Terms of Service - Address to ISO20022 | Address to ISO 20022 API

Last updated: May 29, 2026

1. Introduction

These Terms of Service (“Terms”) govern access to and use of the services provided through https://address-to-iso20022.com (the “Service”) operated by FinTech Intelligence Ltd (“Address to ISO20022”, “we”, “our”, or “us”).

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Service.

If you process personal data through the Service, you also agree to the Data Processing Agreement (“DPA”), which forms part of these Terms.

2. Description of Service

The Service provides API-based address normalization, validation, geocoding, and formatting capabilities designed to support ISO 20022 and SEPA-compatible address structures.

The Service may include:

Free-form address parsing
Address normalization and validation
Structured address formatting
Geocoding and confidence scoring
API access and developer tools

The Service is intended primarily for business and professional use.

3. Account Registration

To use certain parts of the Service, you may be required to create an account.

You agree to:

Provide accurate and complete information
Maintain the security of your credentials and API keys
Notify us promptly of unauthorized access or security incidents
Use the Service only in accordance with applicable laws and these Terms

You must be at least 18 years old to use the Service.

4. API Usage and Acceptable Use

4.1 API Keys

API keys are confidential and must not be shared with unauthorized parties. You are responsible for all activity associated with your API credentials.

4.2 Usage Limits

The Service may be subject to usage limits, quotas, rate limits, or fair use restrictions depending on your subscription plan.

We reserve the right to temporarily limit or suspend access where usage threatens platform security, availability, or integrity.

4.3 Prohibited Uses

You agree not to:

Use the Service for unlawful purposes
Attempt to reverse engineer, probe, scan, or disrupt the Service
Circumvent rate limits or security mechanisms
Use the Service to support fraud, sanctions evasion, unlawful surveillance, or abusive activity
Upload malicious code or harmful content
Use the Service in violation of applicable privacy or data protection laws
Submit special category personal data as defined under GDPR unless explicitly agreed in writing

5. Data Processing and Privacy

Customers are responsible for ensuring they have an appropriate lawful basis for submitting personal data to the Service.

When customers submit personal data through the Service, the customer acts as the data controller and Address to ISO20022 acts as a data processor processing personal data solely to provide the Service.

Address data submitted through the API may constitute personal data under applicable data protection laws.

The Service is designed according to data minimization and privacy-by-design principles. Address data is processed transiently and is not permanently stored except where reasonably necessary for:

Security monitoring
Fraud prevention
Service reliability and debugging
Billing disputes
Legal compliance

Our processing of personal data is governed by our Privacy Policy and DPA.

6. Subscription, Billing, and Payments

6.1 Subscription Plans

The Service may be offered through free, usage-based, monthly, or annual subscription plans.

6.2 Payments

Payments are processed by third-party payment providers, including Stripe.

You authorize us to charge all applicable fees associated with your subscription or usage.

6.3 Taxes

Fees are exclusive of taxes unless otherwise stated. You are responsible for applicable taxes, duties, and governmental charges.

6.4 Cancellation

You may cancel your subscription at any time. Cancellation becomes effective at the end of the current billing period unless otherwise required by law.

6.5 Refunds

Fees are generally non-refundable except where required by applicable law.

7. Intellectual Property

The Service, including software, APIs, documentation, trademarks, branding, and related intellectual property, remains the exclusive property of Address to ISO20022 or its licensors.

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service.

8. Third-Party Data Sources and Attributions

The Service incorporates data from third-party providers that publish their data under open licences. We acknowledge the data owners and reproduce the attribution statements required by their respective licences below. By using the Service, you acknowledge these sources and, where you reproduce, redistribute, or display data returned by the Service, you agree to carry the same attribution statements through to your own audience as required by each source licence.

8.1 GISCO postal-code dataset (European Union)

Postal-code data, NUTS classifications, and administrative-unit references for European jurisdictions are derived from the GISCO postal-code point dataset published by Eurostat, licensed under the Creative Commons Attribution-ShareAlike 4.0 International (CC BY-SA 4.0) licence.

8.2 ONS Postcode Directory (Great Britain only)

UK postcode data, coordinates, and administrative-area assignments for Great Britain (England, Scotland, Wales) are derived from the ONS Postcode Directory (ONSPD) published by the Office for National Statistics. ONSPD is a composite dataset incorporating the intellectual property of Ordnance Survey, Royal Mail, and the Office for National Statistics, made available under the Open Government Licence v3.0.

Contains OS data © Crown copyright and database right 2025.

Contains Royal Mail data © Royal Mail copyright and database right 2025.

Source: Office for National Statistics licensed under the Open Government Licence v3.0.

Northern Ireland coverage notice. Northern Ireland postcode data (postcodes with the BT prefix) is published by Land & Property Services Northern Ireland (LPSNI) under a separate licence that does not permit commercial re-use through a hosted API. To remain in full licensing compliance, the Service currently does not enrich or geocode BT-prefix postcodes. Addresses submitted with a BT-prefix postcode will return parsed fields based on the input text alone, without postal-database enrichment or postcode-centroid coordinates. We expect to add Northern Ireland coverage once a commercial LPSNI licence is in place.

8.3 OpenStreetMap (worldwide geocoding)

Geocoding, building-existence verification, and coordinate look-ups are powered by OpenStreetMap data. OpenStreetMap data is made available under the Open Database License v1.0 (ODbL) by the OpenStreetMap Foundation. Cartography and map tiles are licensed under CC BY-SA 2.0.

8.4 Customer obligations

Where you cache, redistribute, publish, or otherwise make available data returned by the Service to third parties or end users, you are responsible for reproducing the attribution statements above in a manner appropriate to your medium, and for complying with any further obligations imposed by the underlying licences (including, where applicable, the ShareAlike obligations of CC BY-SA 4.0 and ODbL when distributing substantial portions of the source datasets).

9. Service Availability

We strive to maintain reliable availability but do not guarantee uninterrupted or error-free operation.

The Service may be unavailable due to:

Scheduled maintenance
Security incidents
Infrastructure failures
Third-party service outages
Force majeure events

We may modify, suspend, or discontinue parts of the Service at any time.

10. Disclaimer of Warranties

The Service is provided “as is” and “as available”.

To the maximum extent permitted by law, we disclaim all warranties, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or reliability.

The Service provides automated address normalization and geocoding outputs that may contain inaccuracies, omissions, or confidence-based estimations.

Customers are solely responsible for validating outputs before using them in operational, regulatory, payment-routing, KYC, AML, sanctions-screening, compliance, or other business-critical workflows.

11. Limitation of Liability

To the maximum extent permitted by law:

We shall not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages;
We shall not be liable for loss of profits, revenue, business, goodwill, or data;
Our total aggregate liability arising out of or relating to the Service shall not exceed the fees paid by you to us during the twelve (12) months preceding the claim.

Nothing in these Terms excludes liability that cannot be excluded under applicable law.

12. Indemnification

You agree to indemnify and hold harmless Address to ISO20022, its affiliates, officers, employees, and contractors from claims, damages, liabilities, and expenses arising out of:

Your use of the Service
Your violation of these Terms
Your violation of applicable law
Data submitted through your account

13. Suspension and Termination

We may suspend or terminate access to the Service where:

You breach these Terms
Your use creates security or legal risk
Required by law
Necessary to protect the Service or other users

Upon termination, your right to use the Service ceases immediately.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales.

Any disputes arising in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

15. Changes to These Terms

We may update these Terms from time to time.

Material changes will be published on this page with an updated “Last updated” date.

Continued use of the Service after changes become effective constitutes acceptance of the updated Terms.

16. Contact Information

FinTech Intelligence Ltd

Email: legal@address-to-iso20022.com

Address: Level39, One Canada Square, London E14 5AB, United Kingdom

Company Registration Number: 10434937