1. Acceptance of Terms

By accessing or using the bins.li website (the “Site”) you agree to be bound by these Terms of Use (the “Terms”). If you do not agree with any part of the Terms, you must discontinue use of the Site immediately.

2. Purpose of the Site

bins.li provides a platform for users to upload, store, and share BIN (Bank Identification Number) data files for analysis, research, and development purposes. The Site does not provide financial services, payment processing, or any form of transaction execution.

3. No Affiliation, Sponsorship, or Endorsement

• Independent Operation – bins.li is an independent service and is not owned, operated, licensed, or affiliated with Mastercard Incorporated, Visa Inc., or any of their subsidiaries, affiliates, or partners.
• No Endorsement – Neither Mastercard nor Visa endorses, sponsors, or validates the content, functionality, or security of bins.li. Any reference to Mastercard, Visa, or their trademarks is purely descriptive and does not imply any relationship.
• Trademark Disclaimer – All trademarks, service marks, and logos belonging to Mastercard, Visa, and their respective entities remain the exclusive property of their owners. Their use on the Site is strictly for identification purposes and does not convey permission or endorsement.

4. User Responsibilities

4.1. Compliance with Card‑Network Agreements

Before uploading any BIN‑related file, you must review any existing agreements, licensing terms, or contractual obligations you have with Mastercard, Visa, or any other card network. You are solely responsible for ensuring that the data you submit does not violate those agreements. If you are uncertain, seek legal counsel or contact the relevant card network for clarification.

4.2. Lawful Use

You may only upload, store, and share data that you have the lawful right to use. Prohibited activities include, but are not limited to:

• Uploading proprietary BIN data that is protected by confidentiality agreements, trade secrets, or intellectual‑property rights without explicit permission.
• Distributing data that contains personally identifiable information (PII) or sensitive financial details in breach of applicable privacy regulations (e.g., GDPR, CCPA).
• Using the Site to facilitate fraud, money‑laundering, or any illicit activity.

4.3. Accuracy and Integrity

You represent and warrant that all information you provide is accurate, complete, and not misleading. You must not manipulate or falsify BIN data to misrepresent its origin or characteristics.

5. Content Ownership and License

Your Content

You retain ownership of any files you upload. By uploading, you grant bins.li a worldwide, royalty‑free, non‑exclusive license to store, process, and display the content solely for the purpose of providing the Service.

License Revocation

You may withdraw your license at any time by deleting the file from the Site. Deletion does not affect copies that may have been cached or archived for legitimate backup purposes.

Prohibited Content

Content that infringes third‑party rights, violates card‑network agreements, or breaches these Terms will be removed promptly upon notice.

6. Security Measures

bins.li employs industry‑standard security practices (encryption in transit, secure storage, access controls). However, no system can guarantee absolute security. You acknowledge that you bear the risk of any unauthorized access to your uploaded data and agree to take reasonable precautions, including strong passwords and two‑factor authentication where available.

7. Disclaimer of Warranties

• The Site is provided “as is” and “as available” without warranties of any kind, either express or implied.
• bins.li does not guarantee the completeness, accuracy, or reliability of any BIN data uploaded by users.
• We do not warrant that the Site will be uninterrupted, error‑free, or free of viruses or other harmful components.

8. Limitation of Liability

To the maximum extent permitted by law, bins.li, its officers, directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site, even if we have been advised of the possibility of such damages. Our total aggregate liability for any claim shall not exceed the amount you have paid to us, if any, in the twelve (12) months preceding the claim.

9. Indemnification

You agree to defend, indemnify, and hold harmless bins.li and its affiliates from any claims, losses, liabilities, damages, costs, or expenses (including reasonable attorneys’ fees) arising out of:

• Your breach of these Terms;
• Your violation of any applicable law or regulation;
• Your infringement of any third‑party rights, including card‑network agreements; or
• Any content you upload that is unlawful, defamatory, or otherwise objectionable.

10. Modification of Terms

bins.li reserves the right to modify these Terms at any time. Changes will be posted on the Site with a revised “Last updated” date. Continued use of the Site after such modifications constitutes acceptance of the new Terms.

11. Termination

We may suspend or terminate your access to the Site, in whole or in part, at our sole discretion, for any reason, including but not limited to violations of these Terms or suspected illegal activity. Upon termination, all of your uploaded content may be removed from the Site.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction where bins.li is incorporated, without regard to conflict‑of‑law principles. Any disputes arising under or in connection with these Terms shall be resolved exclusively in the competent courts of that jurisdiction.

13. Contact Information

If you have any questions about these Terms, or need clarification regarding your obligations under card‑network agreements, please Contact Us.