Terms of Use

These Terms of Use (“Terms”) govern access to and use of the website, platform, APIs, SDKs, dashboard, playground tools, documentation, software, data services, and related services provided by FINAP LTD, a company registered in England and Wales under company number 17235755, with its registered office at Suite 7039, 128 Aldersgate Street, Barbican, London, EC1A 4AE, United Kingdom (“FINAP”, “Company”, “we”, “us”, or “our”).

By creating an account, accessing the platform, using our APIs, purchasing API usage, adding funds to your account balance, integrating our SDKs, or otherwise using any FINAP service, you (“Customer”, “User”, “you”, or “your”) agree to be bound by these Terms.

If you do not agree to these Terms, you must not access or use the Services.

1. DEFINITIONS

For the purposes of these Terms:

“Account” means the user account created on the FINAP platform.

“API” means any application programming interface made available by FINAP, including but not limited to BIN API, WEB Intelligence API, IBAN Validation API, FX Rates API, and any other APIs released by FINAP.

“API Request” means a request sent to any FINAP API endpoint.

“API Usage Data” means technical and operational information relating to API usage, including request count, endpoint used, timestamp, account identifier, API key identifier, usage volume, response status, error status, and other metadata required for billing, security, debugging, service monitoring, compliance, and platform operation.

“Balance” means the prepaid service balance maintained by the Customer for the purchase and consumption of FINAP Services.

“Customer Data” means data submitted, transmitted, uploaded, or otherwise provided by the Customer to FINAP through the Services.

“Documentation” means technical documentation, API references, SDK instructions, integration guides, examples, and other materials provided by FINAP.

“FINAP Data” means data, intelligence, validation results, risk signals, technical indicators, scores, analytics, responses, outputs, or information generated, processed, enriched, or returned by the FINAP platform.

“Platform” means the FINAP website, dashboard, playground, APIs, SDKs, systems, infrastructure, software tools, and related services.

“Services” means all products and services provided by FINAP, including APIs, software, SDKs, data intelligence services, validation services, playground tools, dashboard tools, technical support, and related technology services.

“WEB Intelligence” means FINAP’s web intelligence product providing device, browser, IP, network, behavioural, geolocation, VPN/proxy, bot, velocity, tampering, risk, and related technical signals.

2. COMPANY INFORMATION

The Services are provided by:

FINAP LTD

Company number: 17235755

Registered in: England and Wales

Registered office: Suite 7039, 128 Aldersgate Street, Barbican, London, EC1A 4AE, United Kingdom

Website: www.finap.uk

Email: support@finap.uk

Phone: +44 7893 93 08 00

FINAP LTD provides software, API infrastructure, data intelligence, validation, and technology services only.

FINAP LTD is not a bank, payment institution, electronic money institution, investment firm, cryptocurrency exchange, custodian, money transmitter, financial adviser, or regulated financial services provider.

3. DESCRIPTION OF SERVICES

FINAP provides API-based software and data services to business customers, developers, and organisations requiring access to data intelligence, validation, enrichment, and technology tools.

The Services may include, but are not limited to:

1. BIN API — card BIN lookup, issuer identification, card metadata, and related data enrichment services.

2. WEB Intelligence API — device intelligence, browser analysis, IP intelligence, geolocation, VPN/proxy detection, bot signals, velocity metrics, behavioural indicators, AI-assisted risk analysis, and related technical signals.

3. IBAN Validation API — validation of International Bank Account Numbers and related banking data checks.

4. FX Rates API — access to foreign exchange rate information and currency data.

5. SDKs — software development kits and tools for integrating FINAP Services.

6. API Playground — a web-based interface allowing users to test API requests and review responses in graphical and JSON formats.

7. Technical Consulting and Software Development Services — where separately agreed in writing.

FINAP may update, modify, improve, replace, limit, suspend, or discontinue any Service, API, endpoint, feature, data field, response format, dashboard, SDK, or documentation at any time.

4. ACCOUNT REGISTRATION

To access certain Services, you may be required to create an Account.

You agree to:

1. provide accurate, complete, and current information;

2. keep your Account information updated;

3. maintain the confidentiality of your login credentials;

4. prevent unauthorised access to your Account;

5. notify FINAP immediately of any suspected unauthorised use or security breach.

You are responsible for all activities occurring under your Account, including API usage, charges, requests, integrations, and actions performed using your credentials or API keys.

FINAP may refuse registration, suspend access, request additional verification, or terminate an Account if we believe that the information provided is inaccurate, misleading, incomplete, fraudulent, or presents legal, security, compliance, sanctions, reputational, or operational risk.

5. BUSINESS USE ONLY

The Services are intended primarily for business, professional, technical, and commercial use.

By using the Services, you confirm that:

1. you are acting for business or professional purposes;

2. you have authority to bind the business or organisation you represent;

3. you will use the Services only for lawful business purposes;

4. your use of the Services will comply with all applicable laws and regulations.

FINAP may refuse to provide Services to individuals or organisations that we consider unsuitable, high-risk, unlawful, misleading, or inconsistent with our business standards.

6. API ACCESS AND API KEYS

FINAP may issue API keys, tokens, credentials, or other access mechanisms for use of the Services.

You must:

1. keep API keys confidential and secure;

2. not share API keys with unauthorised persons;

3. not publish API keys in public repositories, websites, client-side code, unsecured files, or public environments;

4. immediately rotate or revoke API keys if compromised;

5. implement appropriate security controls in your own systems.

You are fully responsible for all API Requests made using your API keys, whether authorised by you or not, unless caused directly by FINAP’s proven gross negligence or wilful misconduct.

FINAP may revoke, suspend, rotate, or restrict API keys at any time where required for security, compliance, abuse prevention, operational, billing, or legal reasons.

7. API USAGE, REQUEST COUNTING AND LOGGING

FINAP maintains records necessary to operate the platform, calculate usage, manage billing, protect the Services, prevent abuse, and comply with legal and compliance obligations.

FINAP may log and store information relating to:

1. account registration and account activity;

2. balance top-ups and payment confirmations;

3. invoices, receipts, billing records, and payment status;

4. account balance credits and deductions;

5. number of API Requests made by the Customer;

6. API endpoint usage;

7. API key identifier or account identifier;

8. request timestamp;

9. response status, error status, and technical status codes;

10. usage volume and consumption statistics;

11. IP address and technical access metadata where necessary for security, abuse prevention, fraud prevention, and compliance;

12. system logs, security logs, and operational logs required to maintain the Services.

FINAP uses such records for:

1. calculating API usage;

2. deducting usage from the Customer’s Balance;

3. issuing invoices or usage reports;

4. providing customer support;

5. detecting errors and technical problems;

6. preventing fraud, abuse, unauthorised access, and misuse;

7. protecting platform security;

8. enforcing these Terms;

9. complying with legal, tax, accounting, sanctions, AML, and regulatory obligations.

FINAP does not store the full content of Customer API Requests as a permanent request history unless such storage is technically necessary for the provision of the Service, requested by the Customer, required for debugging, required for security or abuse investigation, required for billing dispute resolution, required to comply with law, or otherwise expressly stated in the applicable service documentation.

Where possible and commercially reasonable, FINAP limits retained API records to operational metadata, usage counters, billing records, technical logs, and security records rather than retaining the full Customer-submitted request content.

Customers remain responsible for ensuring that they do not submit unnecessary, excessive, unlawful, sensitive, or prohibited personal data through API Requests.

8. CUSTOMER DATA PROTECTION AND NON-DISCLOSURE OF REQUEST CONTENT

FINAP treats Customer Data as confidential and does not sell Customer Data.

FINAP does not use Customer-submitted API request content for resale to third parties.

FINAP does not disclose Customer API request content to third parties except where necessary to:

1. provide the Services;

2. process the request through infrastructure or authorised service providers;

3. use third-party data providers or technical processors required to generate the API response;

4. comply with applicable law, court order, competent authority request, or legal obligation;

5. investigate fraud, abuse, security incidents, sanctions concerns, or misuse of the Services;

6. enforce these Terms;

7. protect FINAP, its customers, infrastructure, providers, or legal rights.

FINAP applies reasonable technical and organisational measures designed to protect Customer Data against unauthorised access, disclosure, alteration, loss, or misuse.

No internet-based service can be guaranteed to be completely secure. Customers are responsible for securing their own systems, API keys, devices, applications, integrations, users, and data flows.

9. PRICING, FREE REQUESTS AND BALANCE MODEL

FINAP operates a prepaid usage-based pricing model.

Each eligible user may receive 100 free API requests per month. After the free monthly allocation has been used, API usage is charged at USD 0.01 per API Request, unless otherwise stated in the Customer’s account, invoice, commercial agreement, pricing page, or applicable service page.

Customers may add funds to their Account Balance. Paid API usage is deducted from the Balance according to actual consumption.

Access to paid Services may be automatically suspended when the available Balance is exhausted or insufficient.

FINAP may change pricing, free request limits, chargeable events, request counting rules, or package structure at any time by updating the platform, website, or applicable pricing documentation.

10. PAYMENTS, ACCOUNT BALANCE AND REFUNDS

This section governs all payments, account balance top-ups, payment methods, refunds, chargebacks, payment disputes, and related billing matters.

10.1 Payment Methods

FINAP may accept payments through the following payment methods:

1. bank cards, including Visa and Mastercard;

2. SEPA bank transfer;

3. cryptocurrency payments, where such payment method is made available by FINAP or its payment providers;

4. any other payment method that FINAP may introduce in the future.

Available payment methods may vary depending on the Customer’s country, account status, payment amount, payment provider availability, compliance checks, sanctions screening, and risk assessment.

FINAP reserves the right to add, remove, suspend, restrict, or refuse any payment method at any time.

10.2 Licensed Payment Providers

Payments made to FINAP are processed by licensed, authorised, or otherwise legally permitted third-party payment providers, acquiring banks, card processors, crypto payment processors, banking partners, or other payment service providers, where applicable.

FINAP does not directly process card payments, does not acquire card transactions, does not provide payment processing services to customers, and does not act as a payment institution, electronic money institution, bank, money transmitter, cryptocurrency exchange, or custodian.

All payments are made solely for the purpose of purchasing FINAP software, API, data intelligence, validation, and technology services.

Payment processing may be subject to the terms, conditions, compliance checks, fraud screening, risk rules, sanctions screening, transaction monitoring, and technical requirements of the relevant payment provider.

10.3 Secure Payment Pages and 3D Secure

Card payments are processed through secure payment pages or payment forms provided by FINAP’s payment providers or acquiring partners.

Where applicable, card payments may be subject to additional authentication measures, including 3D Secure, Strong Customer Authentication, fraud screening, cardholder verification, issuer approval, or other security procedures required by the card issuer, payment processor, card scheme, acquiring bank, or applicable law.

FINAP does not collect or store full card numbers, card security codes, PINs, or sensitive card authentication data. Such information is processed directly by the relevant payment provider through secure and protected payment infrastructure.

A payment may be declined, delayed, blocked, or subject to additional verification by the Customer’s bank, card issuer, payment provider, acquiring bank, crypto payment processor, or compliance provider. FINAP is not responsible for payment declines, delays, restrictions, or failures caused by third-party payment processors, banks, card issuers, payment networks, blockchain networks, compliance checks, sanctions screening, fraud prevention systems, or insufficient Customer funds.

10.4 Account Balance

Payments made by Customers are credited to the Customer’s FINAP account Balance after successful receipt and confirmation of funds.

The Balance is a prepaid service balance and may be used only for consuming FINAP Services.

The Balance:

1. is not a bank account;

2. is not an electronic money account;

3. is not a payment account;

4. does not represent stored value issued by FINAP;

5. does not earn interest;

6. is not transferable to another person or entity unless expressly approved by FINAP;

7. cannot be withdrawn as fiat currency;

8. cannot be withdrawn as cryptocurrency;

9. cannot be exchanged for cash or any financial instrument;

10. may only be used for services available within the FINAP platform.

FINAP does not hold customer funds for payment services or financial services purposes. Funds added to a Balance represent prepayment for software, API, data intelligence, validation, and technology services only.

10.5 Free Monthly Requests

FINAP provides each eligible user with 100 free API requests per month for the purpose of testing, evaluating, and verifying the functionality of the platform before purchasing paid usage.

The free monthly allocation allows Customers to assess the quality, suitability, technical performance, response format, and integration requirements of FINAP Services before adding funds to their Balance.

Once the free monthly allocation has been used, further API usage is charged according to the applicable pricing shown on the FINAP platform, website, pricing page, invoice, or commercial agreement.

10.6 Use of Balance and Service Suspension

Paid API usage is deducted automatically from the Customer’s Balance based on actual service consumption.

If the Customer’s Balance is exhausted, insufficient, blocked, disputed, reversed, or otherwise unavailable, FINAP may automatically suspend access to paid Services until the Customer adds sufficient funds.

FINAP is not responsible for any loss, interruption, failed request, failed integration, business delay, operational impact, or customer-side loss caused by insufficient Balance or suspended service access.

10.7 No Refund Policy

All payments, top-ups, prepaid balances, API request packages, and service purchases are final and non-refundable, except where a refund is required by applicable law or expressly approved by FINAP in writing.

Refunds are not provided because:

1. Customers receive 100 free API requests per month to test and evaluate the Services before making any payment;

2. payments are made to purchase prepaid access to software and API services;

3. API services are digital services that may be consumed immediately after Balance activation;

4. FINAP incurs infrastructure, provider, processing, data access, and operational costs when making Services available;

5. account balances are intended exclusively for consumption within the FINAP platform.

Customers are responsible for reviewing the Services, Documentation, pricing, response formats, technical limitations, data limitations, and suitability before adding funds to their Account.

Adding funds to the Balance confirms the Customer’s intention to purchase FINAP Services and acceptance that such funds are non-refundable.

10.8 Chargebacks, Payment Reversals and Disputes

Customers must not initiate chargebacks, payment reversals, unjustified disputes, or payment cancellation requests after purchasing FINAP Services, except in cases of proven unauthorised payment, fraud, or clear billing error.

FINAP reserves the right to dispute and challenge any chargeback, reversal, payment dispute, or refund claim where the payment was made for legitimate prepaid access to FINAP Services.

Chargebacks are not accepted as a valid method of cancelling purchased Services because:

1. Customers are provided with free monthly API requests to test the system before payment;

2. all paid balances are credited for software and API service usage;

3. the Customer receives access to digital services immediately after successful payment;

4. FINAP does not sell physical goods that can be returned;

5. balances are used only inside the platform and cannot be withdrawn;

6. all pricing and usage conditions are disclosed before purchase;

7. the Customer is responsible for deciding whether to top up the Balance.

If a Customer initiates an unjustified chargeback or payment reversal, FINAP may:

1. suspend or terminate the Customer’s Account;

2. revoke API keys;

3. block access to the Platform;

4. deduct the disputed amount from the Balance;

5. charge the Customer for chargeback fees, payment processor fees, bank fees, administrative costs, and legal costs where permitted by law;

6. provide evidence to the payment provider, acquiring bank, card issuer, or relevant authority showing account activity, payment records, API usage counters, acceptance of Terms, Balance crediting, service access, IP logs, technical usage data, and related billing records.

FINAP reserves the right to refuse future service to Customers who submit abusive, fraudulent, or unjustified chargebacks.

10.9 Cryptocurrency Payments

Where cryptocurrency payments are accepted, such payments may be processed by third-party crypto payment processors or blockchain payment providers.

Cryptocurrency payments may be subject to network confirmations, blockchain fees, exchange rate fluctuations, provider fees, sanctions screening, wallet screening, AML checks, and compliance review.

A cryptocurrency payment is considered completed only after FINAP or its payment provider confirms successful receipt and allocation of funds.

Customers are responsible for ensuring that they send the correct cryptocurrency, amount, network, wallet address, memo, tag, or payment reference where applicable.

FINAP is not responsible for losses caused by incorrect wallet addresses, wrong blockchain networks, missing tags or memos, insufficient confirmations, blockchain congestion, network fees, third-party wallet issues, exchange rate volatility, or transactions sent outside the required payment instructions.

Cryptocurrency payments are final and non-refundable except where required by law or expressly agreed by FINAP in writing.

10.10 SEPA Bank Transfers

Where SEPA bank transfer is available, Customers must include the correct payment reference, invoice number, account identifier, or other required details provided by FINAP.

FINAP may be unable to credit payments that are received without sufficient identifying information.

SEPA transfers may take time to arrive depending on the sending bank, receiving bank, payment scheme, banking hours, compliance review, intermediary processing, and other factors outside FINAP’s control.

FINAP may reject, return, or refuse a bank transfer where required for compliance, sanctions, AML, fraud prevention, operational, banking, or legal reasons.

10.11 Failed, Delayed or Rejected Payments

FINAP is not responsible for failed, delayed, rejected, reversed, blocked, or held payments caused by:

1. banks;

2. card issuers;

3. payment processors;

4. acquiring banks;

5. crypto payment providers;

6. blockchain networks;

7. compliance checks;

8. sanctions screening;

9. fraud prevention systems;

10. incorrect payment details;

11. insufficient funds;

12. technical errors outside FINAP’s direct control.

If a payment fails or is rejected, the Customer should contact the relevant bank, card issuer, wallet provider, payment provider, or FINAP support where appropriate.

10.12 Billing Records and Invoices

FINAP may issue invoices, receipts, payment confirmations, Balance top-up confirmations, usage reports, or account statements through the Platform or by email.

Customers are responsible for maintaining accurate billing information and downloading or requesting any required invoices for their own accounting, tax, and business records.

FINAP may correct billing errors, adjust balances, reverse duplicate credits, or amend invoices where necessary to reflect accurate payment and service usage records.

10.13 Fraud Prevention and Payment Monitoring

FINAP and its payment providers may monitor payments, account activity, IP addresses, payment methods, device information, Customer details, and transaction patterns for fraud prevention, sanctions compliance, AML compliance, cybersecurity, and abuse prevention purposes.

FINAP may refuse, delay, review, suspend, or cancel a payment or Balance top-up where the payment appears suspicious, fraudulent, unauthorised, sanctioned, high-risk, or inconsistent with the Customer’s Account profile.

FINAP may request additional information or documentation before crediting a payment or continuing service access.

11. ACCEPTABLE USE POLICY

You agree to use the Services only for lawful, legitimate, and authorised purposes.

You must not use the Services:

1. for fraud, scams, deception, phishing, impersonation, social engineering, or identity abuse;

2. to support illegal financial activity, money laundering, terrorist financing, sanctions evasion, or criminal activity;

3. to violate privacy, data protection, cybersecurity, consumer protection, financial services, sanctions, export control, or other applicable laws;

4. to create, operate, support, or facilitate illegal marketplaces, malware, botnets, credential theft, spam, or unauthorised surveillance;

5. to target, profile, discriminate against, harass, or harm individuals unlawfully;

6. to collect or process personal data without a lawful basis;

7. to bypass access controls, security systems, rate limits, authentication systems, or technical restrictions;

8. to reverse engineer, scrape, copy, resell, or replicate the Services;

9. to overload, disrupt, attack, probe, scan, or interfere with FINAP systems;

10. to use the Services in a way that may damage FINAP’s infrastructure, reputation, legal position, business relationships, or third-party providers;

11. to infringe intellectual property rights or confidential information;

12. to create competing products or services using FINAP’s technology, data, documentation, API responses, SDKs, or platform design;

13. to train competing AI models, machine learning systems, data products, or similar technologies without FINAP’s prior written consent;

14. to use FINAP Data as the sole or primary basis for unlawful automated decisions affecting individuals.

FINAP reserves the right to suspend or terminate access immediately where we suspect misuse, abuse, unlawful activity, excessive risk, or breach of these Terms.

12. PROHIBITED INDUSTRIES AND HIGH-RISK USE

FINAP may refuse or restrict use of the Services by Customers operating in high-risk, illegal, or prohibited sectors.

Prohibited or restricted activities may include:

1. illegal gambling or unlicensed betting;

2. illegal financial services;

3. unlicensed money transmission;

4. unlawful cryptocurrency activities;

5. adult exploitation or illegal adult content;

6. narcotics or controlled substances;

7. weapons, terrorism, extremist content, or violent organisations;

8. fake documents, identity fraud, or synthetic identity services;

9. malware, hacking services, credential theft, or cybercrime;

10. fraudulent investment schemes;

11. sanctioned countries, entities, or individuals;

12. any business that FINAP considers illegal, deceptive, abusive, or reputationally unacceptable.

FINAP may request additional information about your business, use case, customers, jurisdictions, data processing activities, and compliance controls before granting or continuing access.

13. SANCTIONS AND AML COMPLIANCE

FINAP LTD is committed to conducting its business activities in a lawful, ethical, and responsible manner. Although FINAP operates exclusively as a software development and API services provider and does not provide regulated financial services, FINAP recognises the importance of maintaining effective controls designed to prevent misuse of its Platform for unlawful, fraudulent, sanctioned, or otherwise prohibited activities.

FINAP maintains internal compliance procedures intended to identify, assess, and mitigate risks associated with sanctions violations, financial crime, fraud, cybercrime, terrorist financing, money laundering, and other unlawful conduct.

FINAP prohibits the use of its Services by individuals, entities, organisations, businesses, governments, or jurisdictions that are subject to applicable sanctions, asset freezes, trade restrictions, export controls, embargoes, or similar restrictive measures.

FINAP does not knowingly provide services to:

1. persons or entities designated on applicable sanctions lists;

2. organisations owned or controlled by sanctioned persons;

3. businesses located in, incorporated in, or operating from restricted or comprehensively sanctioned jurisdictions;

4. individuals or entities engaged in sanctions evasion;

5. organisations involved in terrorist financing, money laundering, fraud, cybercrime, or other criminal conduct;

6. businesses or users attempting to conceal their location, ownership structure, control, beneficial ownership, or true business activity.

Where appropriate, FINAP may perform sanctions screening, IP/geolocation review, business verification, beneficial ownership checks, transaction review, and other risk-based due diligence procedures before establishing or continuing a business relationship.

If FINAP becomes aware or reasonably suspects that a Customer, user, beneficial owner, director, affiliate, counterparty, business activity, payment method, IP address, or transaction may be connected to sanctions restrictions or prohibited activities, FINAP reserves the right to refuse, restrict, suspend, or terminate access to its Services immediately and without refund, except where prohibited by applicable law.

14. SANCTIONED AND RESTRICTED JURISDICTIONS

FINAP does not provide Services to Customers, users, entities, organisations, or beneficial owners located in, incorporated in, operating from, or otherwise materially connected with jurisdictions that are subject to comprehensive sanctions, extensive trade restrictions, or other high-risk sanctions measures under applicable United Kingdom, European Union, United Nations, and United States sanctions regimes.

For the purposes of these Terms, FINAP may restrict, suspend, or refuse access to the Services in relation to the following countries, regions, and territories, as amended from time to time:

1. Afghanistan;

2. Belarus;

3. Cuba;

4. Iran;

5. Iraq;

6. Lebanon;

7. Libya;

8. Myanmar / Burma;

9. North Korea;

10. Russia;

11. Somalia;

12. South Sudan;

13. Sudan;

14. Syria;

15. Venezuela;

16. Yemen;

17. Zimbabwe;

18. Crimea (Territory of Ukraine);

19. Donetsk (Territory of Ukraine);

20. Luhansk (Territory of Ukraine);

21. Kherson (Territory of Ukraine);

22. Zaporizhzhia (Territory of Ukraine);

23. any other country, territory, region, person, entity, organisation, government body, sector, or activity subject to applicable sanctions, embargoes, asset freezes, trade restrictions, export controls, or similar restrictive measures.

The above list is not exhaustive. FINAP reserves the right to update, expand, or apply this list at any time based on changes to sanctions laws, regulatory guidance, banking requirements, payment provider requirements, infrastructure provider requirements, risk assessment results, or internal compliance standards.

FINAP may apply a stricter internal risk policy than the minimum legal requirement where necessary to protect the Company, its customers, banking relationships, infrastructure providers, suppliers, and business partners.

Customers must not use the Services, directly or indirectly, for the benefit of any person or entity that is subject to sanctions, owned or controlled by a sanctioned person, or located in a restricted jurisdiction.

Customers must not attempt to bypass, conceal, mask, or misrepresent their location, ownership, control structure, business activity, sanctions status, or intended use of the Services.

15. ANTI-MONEY LAUNDERING AND FINANCIAL CRIME PREVENTION

Although FINAP is not a regulated financial institution and does not process customer funds, FINAP maintains a risk-based approach to preventing misuse of its Services for unlawful purposes.

FINAP does not knowingly support, facilitate, or provide services connected with:

1. money laundering;

2. terrorist financing;

3. sanctions evasion;

4. identity fraud;

5. payment fraud;

6. cybercrime;

7. illegal marketplaces;

8. unauthorised financial services;

9. unlawful cryptocurrency activities;

10. fraudulent investment schemes;

11. phishing, scams, or social engineering;

12. malware, botnets, credential theft, or hacking services;

13. any activity prohibited under applicable laws.

FINAP reserves the right to conduct reasonable business verification procedures and request additional information from Customers where risk factors are identified.

16. CUSTOMER ACCEPTANCE STANDARDS

FINAP may refuse, suspend, or terminate Services where a Customer or user:

1. provides false, misleading, incomplete, or inconsistent information;

2. attempts to conceal ownership, control structure, location, business activity, or intended use of Services;

3. operates an illegal, deceptive, fraudulent, or high-risk business;

4. is linked to sanctioned persons, restricted jurisdictions, or prohibited activities;

5. presents an unacceptable legal, compliance, sanctions, fraud, cybersecurity, operational, or reputational risk;

6. uses or attempts to use the Services in breach of applicable laws, regulations, sanctions regimes, or FINAP’s internal policies.

FINAP retains sole discretion regarding the acceptance, continuation, suspension, restriction, or termination of business relationships where compliance concerns arise.

17. MONITORING AND ENFORCEMENT

FINAP may monitor Account activity, API usage counters, technical access metadata, IP addresses, payment activity, account information, security events, and other relevant data for security, sanctions, AML, fraud prevention, abuse prevention, billing, and compliance purposes.

Where necessary, FINAP may:

1. restrict access to Services;

2. suspend or terminate Accounts;

3. revoke API keys;

4. block certain jurisdictions, IP addresses, users, or business activities;

5. request additional information or documentation;

6. refuse to provide Services;

7. cooperate with competent authorities where required by applicable law.

FINAP is not obligated to provide prior notice where immediate action is required for security, sanctions, AML, fraud prevention, legal, regulatory, banking, provider, or reputational reasons.

18. COMPLIANCE REFERENCES

FINAP may rely on sanctions information, compliance guidance, and risk indicators from official or recognised sources, including but not limited to:

1. UK Office of Financial Sanctions Implementation (OFSI);

2. UK Sanctions List;

3. European Union sanctions regimes and EU Sanctions Map;

4. United Nations Security Council sanctions lists;

5. U.S. Office of Foreign Assets Control (OFAC);

6. banking, payment provider, infrastructure provider, and compliance partner requirements.

19. CUSTOMER RESPONSIBILITIES

You are responsible for:

1. ensuring your use of the Services is lawful;

2. obtaining all required consents, notices, licences, registrations, and permissions;

3. ensuring your own website, app, product, or system complies with applicable laws;

4. maintaining your own privacy policy, cookie policy, terms of service, and user disclosures;

5. configuring API integrations correctly;

6. protecting your API keys and systems;

7. validating API responses before relying on them;

8. reviewing Documentation and technical limitations;

9. ensuring your customers, users, employees, contractors, and agents comply with these Terms.

FINAP is not responsible for how you use, interpret, display, store, combine, or act upon FINAP Data.

20. DATA PROTECTION AND PRIVACY

Each party shall comply with applicable data protection laws, including where applicable the UK GDPR, EU GDPR, Data Protection Act 2018, Privacy and Electronic Communications Regulations, and other relevant privacy laws.

Where FINAP processes personal data, such processing is governed by our Privacy Policy and any applicable Data Processing Agreement.

You are responsible for ensuring that you have a lawful basis to collect, transmit, analyse, enrich, or process any personal data through the Services.

You must provide appropriate privacy notices to your users where required, including disclosures relating to device intelligence, IP intelligence, geolocation, fraud prevention, security, analytics, or similar processing.

You must not submit sensitive personal data, special category data, criminal offence data, payment card numbers, passwords, government identity documents, or unnecessary personal information to FINAP unless expressly permitted in writing.

FINAP may process account data, billing data, payment records, API usage counters, technical metadata, security logs, device signals, IP information, and other data as necessary to provide, secure, monitor, improve, and protect the Services.

21. WEB INTELLIGENCE AND DEVICE SIGNALS

WEB Intelligence may analyse technical and behavioural signals, including browser details, device attributes, IP information, geolocation data, VPN/proxy indicators, bot signals, velocity metrics, tampering indicators, environment information, visitor identifiers, confidence scores, and other risk-related indicators.

WEB Intelligence outputs are probabilistic and informational. They are intended to assist Customers with risk assessment, fraud prevention, security, analytics, and operational decision-making.

FINAP does not guarantee that WEB Intelligence will detect every fraudulent, suspicious, automated, anonymised, manipulated, or high-risk event.

You must not use WEB Intelligence as the sole basis for decisions that have legal or similarly significant effects on individuals unless you have implemented appropriate safeguards and comply with applicable law.

22. API RESPONSES AND DATA ACCURACY

FINAP uses reasonable efforts to provide accurate, reliable, and timely data. However, API responses may depend on third-party data sources, external providers, network conditions, Customer input, technical limitations, and other factors outside FINAP’s control.

FINAP does not warrant that any API response, validation result, score, risk signal, exchange rate, geolocation result, BIN result, IBAN validation output, or other data will be complete, accurate, current, error-free, uninterrupted, or suitable for your specific purpose.

You are responsible for independently assessing, validating, and verifying any FINAP Data before relying on it for business decisions.

23. FX RATES DISCLAIMER

FX Rates API provides currency and exchange rate data for informational, accounting, analytics, reporting, and software integration purposes only.

FINAP does not provide financial advice, investment advice, trading advice, regulated benchmark services, or currency exchange services.

Exchange rate data must not be treated as guaranteed, final, executable, or suitable for regulated financial trading unless separately agreed in writing.

24. IBAN VALIDATION DISCLAIMER

IBAN Validation API may verify format, checksum, structural validity, and related technical attributes of an IBAN.

A positive validation result does not guarantee that:

1. the bank account exists;

2. the account is open;

3. the account holder name matches;

4. funds can be transferred;

5. a payment will be successful;

6. the account is not blocked, restricted, or fraudulent.

IBAN validation is a technical data validation service only.

25. BIN API DISCLAIMER

BIN API provides card metadata and issuer-related information based on available BIN data.

FINAP does not guarantee that BIN information is always complete, current, or accurate. Card schemes, issuers, ranges, products, and metadata may change over time.

BIN API must not be used as the sole basis for approving, declining, blocking, routing, or making payment-related decisions without appropriate additional checks.

26. INTELLECTUAL PROPERTY RIGHTS

All rights, title, and interest in and to the Services belong to FINAP or its licensors.

This includes, without limitation:

1. software;

2. source code;

3. object code;

4. APIs;

5. SDKs;

6. databases;

7. designs;

8. dashboards;

9. interfaces;

10. algorithms;

11. artificial intelligence models;

12. machine learning models;

13. risk logic;

14. scoring methods;

15. documentation;

16. trademarks;

17. trade names;

18. logos;

19. product names;

20. data structures;

21. response schemas;

22. platform architecture;

23. technical processes;

24. know-how;

25. confidential information.

No rights are transferred to you except the limited right to access and use the Services in accordance with these Terms.

You must not copy, reproduce, distribute, sell, lease, sublicense, modify, adapt, translate, reverse engineer, decompile, disassemble, create derivative works from, or otherwise exploit any part of the Services except as expressly permitted by FINAP.

27. LICENCE TO USE THE SERVICES

Subject to these Terms and payment of applicable fees, FINAP grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable licence to access and use the Services for your internal business purposes.

This licence does not allow you to:

1. resell the Services as a standalone product;

2. white-label FINAP Services without written permission;

3. provide FINAP Data to third parties as your own data product;

4. build a competing service;

5. copy API functionality, data structures, schemas, models, or outputs;

6. use FINAP documentation or SDKs outside the authorised integration;

7. exceed applicable usage limits;

8. use the Services after suspension or termination.

28. RESTRICTIONS ON RESALE AND WHITE-LABEL USE

You may not resell, redistribute, sublicense, lease, rent, white-label, commercialise, or provide access to the Services or FINAP Data to third parties unless FINAP has expressly authorised this in writing.

If you wish to use FINAP as part of your own commercial product, platform, marketplace, payment flow, anti-fraud tool, or customer-facing service, you must obtain written approval from FINAP and may be required to enter into a separate commercial agreement.

FINAP reserves the right to charge additional fees for reseller, embedded, OEM, high-volume, white-label, enterprise, or commercial redistribution use cases.

29. CONFIDENTIALITY AND NON-DISCLOSURE

You acknowledge that the Services may expose you to confidential and proprietary information belonging to FINAP.

Confidential information includes, without limitation:

1. API architecture;

2. technical documentation not publicly available;

3. SDK logic;

4. dashboard functionality;

5. pricing terms not publicly disclosed;

6. commercial terms;

7. algorithms;

8. risk scoring methods;

9. artificial intelligence models;

10. machine learning models;

11. security processes;

12. system design;

13. data provider arrangements;

14. technical know-how;

15. roadmap information;

16. non-public product features;

17. business strategies;

18. support communications;

19. any information marked or reasonably understood as confidential.

You must not disclose, copy, publish, distribute, sell, transfer, reverse engineer, use, or exploit FINAP confidential information except as strictly necessary to use the Services in accordance with these Terms.

You must protect FINAP confidential information using at least the same degree of care you use to protect your own confidential information, and in any event no less than reasonable care.

These confidentiality obligations survive termination of your Account and continue for as long as the information remains confidential.

30. CUSTOMER FEEDBACK

If you provide suggestions, ideas, improvements, bug reports, feature requests, or other feedback, you grant FINAP a worldwide, perpetual, irrevocable, royalty-free, transferable licence to use, modify, incorporate, commercialise, and exploit such feedback without compensation or obligation to you.

31. BRANDING AND TRADEMARKS

“FINAP”, the FINAP logo, product names, service names, graphics, icons, and brand elements are trademarks, service marks, trade names, or brand assets of FINAP LTD.

You may not use FINAP’s name, logo, trademarks, service marks, branding, or trade dress without prior written consent.

You must not imply partnership, endorsement, certification, approval, or affiliation with FINAP unless expressly authorised in writing.

32. THIRD-PARTY PROVIDERS

FINAP may use third-party infrastructure, data sources, cloud providers, API providers, analytics providers, security providers, payment providers, compliance providers, and technology suppliers to deliver the Services.

FINAP is not responsible for failures, inaccuracies, delays, interruptions, restrictions, policy changes, pricing changes, or service limitations caused by third-party providers.

Where third-party terms apply, you agree to comply with such terms where notified or made available.

33. SERVICE AVAILABILITY

FINAP aims to provide reliable and continuous access to the Services but does not guarantee uninterrupted availability.

The Services may be unavailable due to:

1. maintenance;

2. updates;

3. system failures;

4. cyber incidents;

5. infrastructure issues;

6. third-party outages;

7. network problems;

8. force majeure events;

9. legal or compliance restrictions;

10. abuse prevention measures.

FINAP is not liable for downtime, delays, service interruptions, data loss, lost profits, failed integrations, or business disruption arising from unavailable Services.

34. SUPPORT

FINAP may provide support through email, ticket systems, documentation, dashboards, or other channels.

Support availability, response times, and support scope may vary depending on account status, service type, Customer plan, and operational capacity.

FINAP is not obligated to provide custom development, integration debugging, code review, legal advice, compliance advice, or business consulting unless separately agreed in writing.

35. SECURITY

FINAP implements reasonable technical and organisational measures designed to protect the Services.

However, no system is completely secure. You acknowledge that use of internet-based services involves inherent security risks.

You are responsible for implementing appropriate security measures in your own systems, including secure storage of API keys, encryption, access controls, monitoring, logging, rate limiting, and incident response procedures.

You must notify FINAP promptly of any security vulnerability, breach, compromised API key, unauthorised access, or suspected misuse relating to the Services.

36. RATE LIMITS AND FAIR USE

FINAP may apply rate limits, request limits, fair use thresholds, concurrency limits, usage caps, or technical restrictions to protect platform stability and prevent abuse.

FINAP may throttle, delay, reject, suspend, or block API Requests that exceed limits or appear abusive, automated, suspicious, harmful, or inconsistent with normal use.

Rate limits may be changed at any time.

37. SUSPENSION AND TERMINATION

FINAP may suspend, restrict, or terminate access to any Account, API key, Balance, feature, or Service immediately, with or without notice, if:

1. you breach these Terms;

2. you fail to pay applicable fees;

3. your Balance is exhausted;

4. your use creates legal, security, compliance, sanctions, fraud, operational, or reputational risk;

5. you provide false, misleading, or incomplete information;

6. you misuse the Services;

7. you attempt to reverse engineer or copy the Services;

8. you violate data protection laws;

9. you use the Services for prohibited purposes;

10. FINAP is required to do so by law, court order, regulator, bank, provider, or competent authority.

Termination does not entitle you to a refund of unused Balance unless required by law.

Upon termination, your right to use the Services ends immediately, and you must stop all access, integrations, API calls, and use of FINAP Data except where legally required to retain business records.

38. CUSTOMER DATA

You retain ownership of Customer Data submitted to FINAP.

You grant FINAP a worldwide, non-exclusive, royalty-free licence to process Customer Data as necessary to:

1. provide the Services;

2. generate API responses;

3. maintain, monitor, and secure the Platform;

4. prevent fraud and abuse;

5. comply with law;

6. improve and develop the Services;

7. perform technical analytics and debugging;

8. enforce these Terms.

FINAP does not sell Customer Data.

FINAP does not use Customer-submitted API request content to provide third parties with independent datasets or to resell Customer Data.

FINAP may use aggregated, anonymised, or de-identified data for analytics, service improvement, benchmarking, security, machine learning, artificial intelligence development, and product improvement, provided it does not identify you, your end users, or specific Customer-submitted request content.

39. DATA RETENTION

FINAP may retain Account data, billing records, payment records, Balance records, API usage counters, technical metadata, security logs, support communications, and other operational records for as long as necessary to provide the Services, calculate usage, issue invoices, comply with law, resolve disputes, prevent abuse, maintain security, and enforce these Terms.

FINAP does not retain full Customer API request content as permanent request history unless such retention is required for service delivery, debugging, security investigation, abuse prevention, billing dispute resolution, compliance, legal obligations, or expressly agreed with the Customer.

Retention periods may vary depending on the type of data and legal requirements.

40. WARRANTIES DISCLAIMER

The Services are provided on an “as is” and “as available” basis.

To the maximum extent permitted by law, FINAP disclaims all warranties, representations, and conditions, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, accuracy, availability, non-infringement, security, uninterrupted operation, and error-free performance.

FINAP does not warrant that:

1. the Services will meet your requirements;

2. API responses will be accurate or complete;

3. the Services will be uninterrupted or error-free;

4. all fraud, risk, VPN, proxy, bot, or suspicious activity will be detected;

5. data will always be current;

6. defects will be corrected immediately;

7. the Services will be compatible with your systems.

41. LIMITATION OF LIABILITY

To the maximum extent permitted by law, FINAP shall not be liable for:

1. indirect, incidental, special, consequential, punitive, or exemplary damages;

2. loss of profits;

3. loss of revenue;

4. loss of business;

5. loss of goodwill;

6. loss of data;

7. business interruption;

8. failed transactions;

9. failed integrations;

10. third-party claims;

11. decisions made based on API responses;

12. fraud not detected by the Services;

13. inaccurate, incomplete, delayed, or unavailable data.

FINAP’s total aggregate liability arising out of or relating to the Services shall not exceed the amount paid by you to FINAP for the Services during the three months preceding the event giving rise to the claim.

Nothing in these Terms limits liability where such limitation is prohibited by law, including liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation.

42. INDEMNITY

You agree to indemnify, defend, and hold harmless FINAP LTD, its directors, officers, employees, contractors, agents, suppliers, licensors, and affiliates from and against any claims, losses, damages, liabilities, fines, penalties, costs, and expenses, including legal fees, arising from or related to:

1. your use or misuse of the Services;

2. your breach of these Terms;

3. your violation of law;

4. your infringement of third-party rights;

5. Customer Data submitted by you;

6. your products, websites, apps, systems, or customers;

7. your failure to obtain required consents or provide required notices;

8. your unlawful processing of personal data;

9. your use of FINAP Data in business decisions;

10. any claim by your customer, user, regulator, partner, or third party.

43. EXPORT CONTROL AND SANCTIONS

You must comply with all applicable export control, trade restriction, and sanctions laws.

You must not access or use the Services in any jurisdiction where such access or use is prohibited by law or where FINAP is restricted from providing Services.

You must not use the Services to support sanctioned persons, restricted entities, prohibited end users, or unlawful end uses.

44. CHANGES TO TERMS

FINAP may update these Terms at any time by publishing the revised version on the website or Platform.

Changes become effective when posted unless otherwise stated.

Continued use of the Services after changes take effect constitutes acceptance of the updated Terms.

If you do not agree to the updated Terms, you must stop using the Services.

45. CHANGES TO SERVICES

FINAP may modify, suspend, discontinue, replace, limit, or remove any part of the Services at any time.

This includes APIs, endpoints, features, response fields, SDKs, dashboards, documentation, pricing, free usage limits, data sources, technical requirements, rate limits, and service availability.

FINAP is not liable for any loss, cost, disruption, or damage resulting from Service changes.

46. FORCE MAJEURE

FINAP shall not be liable for delay or failure to perform caused by events beyond its reasonable control, including acts of God, war, terrorism, civil unrest, labour disputes, government action, sanctions, pandemics, cyberattacks, internet failures, cloud provider outages, power failures, natural disasters, regulatory changes, or third-party provider failures.

47. NO PARTNERSHIP OR AGENCY

Nothing in these Terms creates a partnership, joint venture, employment, agency, fiduciary, franchise, or representative relationship between you and FINAP.

You may not bind FINAP or make statements on FINAP’s behalf without written authorisation.

48. ASSIGNMENT

You may not assign, transfer, delegate, or sublicense your rights or obligations under these Terms without FINAP’s prior written consent.

FINAP may assign or transfer its rights and obligations to an affiliate, successor, purchaser, or acquirer of its business or assets.

49. SEVERABILITY

If any provision of these Terms is found invalid, unlawful, or unenforceable, the remaining provisions shall remain in full force and effect.

The invalid provision shall be replaced or interpreted to reflect the original commercial intent as closely as legally possible.

50. ENTIRE AGREEMENT

These Terms, together with the Privacy Policy, Cookie Policy, Data Processing Agreement, Refund Policy, pricing pages, service documentation, and any written agreement signed by FINAP, constitute the entire agreement between you and FINAP concerning the Services.

They supersede all prior discussions, proposals, representations, communications, and understandings relating to the Services.

51. GOVERNING LAW

These Terms and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of England and Wales.

52. JURISDICTION

The courts of England and Wales shall have exclusive jurisdiction over any dispute, claim, or proceeding arising out of or in connection with these Terms, the Services, or any relationship between you and FINAP.

53. CONTACT

For questions regarding these Terms, please contact: