Terms of Service

Last Updated: 2026

Welcome to IBANgen.com ("we," "our," or "us"). These Terms of Service ("Terms") govern your access to and use of our website, services, and API (collectively, the "Service"). By accessing or using our Service, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using IBANgen.com, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, you may not use our Service.

2. Description of Service

IBANgen.com provides:

• Random IBAN generation for testing and development purposes
• IBAN validation services
• REST API for programmatic access
• AI-powered test persona generation (premium feature)

3. Acceptable Use

You agree to use our Service only for lawful purposes and in accordance with these Terms. You agree NOT to:

• Use generated IBANs for any fraudulent, illegal, or unauthorized purpose
• Attempt to use generated IBANs for actual financial transactions
• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Transmit any viruses, malware, or harmful code
• Attempt to gain unauthorized access to our systems
• Use automated systems to abuse or overload our Service
• Reverse engineer, decompile, or disassemble any part of our Service
• Resell or redistribute our Service without authorization

4. Account Registration

To access certain features, you may need to create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your account information
• Maintain the security of your account credentials
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access

5. Subscription and Payment

If you subscribe to our premium services:

• You agree to pay all fees associated with your subscription
• Subscriptions automatically renew unless cancelled
• You can cancel your subscription at any time from your account page
• Refunds are subject to our refund policy
• We reserve the right to change pricing with 30 days' notice

6. API Usage

If you use our API:

• You must use a valid API key
• You agree to comply with rate limits and usage restrictions
• You are responsible for securing your API key
• We reserve the right to revoke API access for violations
• API usage is subject to fair use policies

7. Intellectual Property

All content, features, and functionality of our Service are owned by us and are protected by international copyright, trademark, and other intellectual property laws. You may not:

• Copy, modify, or create derivative works of our Service
• Remove any copyright or proprietary notices
• Use our trademarks or logos without permission

8. Disclaimer of Warranties

OUR SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• Merchantability and fitness for a particular purpose
• Accuracy, reliability, or completeness of information
• Uninterrupted or error-free operation
• Security or freedom from viruses or harmful components

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, or data
• Business interruption
• Cost of substitute services

Our total liability shall not exceed the amount you paid us in the 12 months preceding the claim.

10. Indemnification

You agree to indemnify, defend, and hold harmless IBANgen.com and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of another party

11. Termination

We reserve the right to terminate or suspend your account and access to the Service immediately, without prior notice, for any reason, including:

• Violation of these Terms
• Fraudulent or illegal activity
• Non-payment of fees
• At our sole discretion

Upon termination, your right to use the Service will cease immediately.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting the updated Terms on this page
• Updating the "Last Updated" date
• Sending an email notification (for significant changes)

Your continued use of the Service after changes constitutes acceptance of the new Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts in [Your Jurisdiction].

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

15. Entire Agreement

These Terms constitute the entire agreement between you and IBANgen.com regarding the use of our Service and supersede all prior agreements and understandings.

16. Contact Information