Terms and Conditions

1. Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by these Terms and our Privacy Policy. These Terms apply to all visitors, users, and others who access or use the Service.

2. Description of Service

FindMeBank provides:

• IFSC code lookup and search functionality
• MICR code information for bank branches across India
• Bank branch addresses, contact information, and location details
• Banking information database covering Indian banks
• Public API for programmatic access to banking data

Our Service is provided for informational and educational purposes only. We do not provide financial advice, banking services, or conduct financial transactions.

3. User Responsibilities

By using our Service, you agree to:

• Provide accurate information when submitting forms or contacting us
• Use the Service only for lawful purposes and in accordance with these Terms
• Verify all banking information with official bank sources before conducting transactions
• Not use the Service for any fraudulent, illegal, or unauthorized purpose
• Respect the intellectual property rights of FindMeBank and third parties

4. Prohibited Activities

You may NOT:

• Scrape, harvest, or collect data from our Site using automated means (bots, scrapers, etc.) beyond normal API usage
• Attempt to gain unauthorized access to our systems, servers, or databases
• Interfere with or disrupt the Service or servers/networks connected to the Service
• Use the Service to transmit viruses, malware, or other harmful code
• Impersonate any person or entity or misrepresent your affiliation
• Violate any applicable laws or regulations
• Reproduce, duplicate, copy, sell, or exploit any portion of the Service without our express written permission
• Exceed API rate limits or abuse our free API service

5. API Terms of Use

Rate Limiting

Our API is rate-limited to 60 requests per minute per IP address. Exceeding this limit may result in temporary or permanent blocking of your access.

Acceptable Use

The API is provided free of charge for legitimate use. You may use the API to build applications, websites, or services, provided you:

• Respect rate limits
• Do not abuse or overload our servers
• Provide attribution to FindMeBank when reasonable
• Do not resell or redistribute our data as a standalone product

No Guarantee of Availability

We do not guarantee uninterrupted availability of the API. We reserve the right to modify, suspend, or discontinue the API at any time without notice.

6. Intellectual Property Rights

Our Content

The Service and its original content (excluding user-generated content and bank data), features, and functionality are owned by FindMeBank and are protected by international copyright, trademark, and other intellectual property laws.

Bank Data

Banking information (IFSC codes, MICR codes, branch details) is publicly available data collected from official sources. Individual banks retain ownership of their trademarks, logos, and brand identities.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Service for personal or commercial purposes, subject to these Terms.

7. Disclaimer of Warranties

8. Limitation of Liability

9. Indemnification

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

• Your use or misuse of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Any financial losses resulting from reliance on information from our Service

10. Third-Party Links and Services

Our Service may contain links to third-party websites or services that are not owned or controlled by FindMeBank. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

11. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including but not limited to breach of these Terms.

Upon termination, your right to use the Service will cease immediately. All provisions of these Terms that by their nature should survive termination shall survive, including disclaimers, limitations of liability, and indemnification.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.

Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts located in India.

13. Changes to These Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. Material changes will be notified by posting the new Terms on this page with an updated "Last Updated" date.

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

14. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and FindMeBank regarding the use of the Service, superseding any prior agreements.

16. Contact Us