Terms of Use

1. Acceptance of terms

By accessing or using the website, you agree to these Terms of Use and our Privacy Policy. If you do not agree, you must stop using the website.

2. Responsible use

You are responsible for your use of the website and must comply with applicable laws. If you use the website for an organization, you represent that you are authorized to accept these terms for that organization.

3. Description of service

SwiftCodes.cc provides a directory for searching and browsing SWIFT/BIC codes, banks, countries, cities, and branches. The website does not provide bank accounts, payment execution, money transfer, foreign exchange, financial advice, or official bank verification.

4. No account or transaction service

The website does not require you to open a user account and does not process your payments. We cannot receive, hold, send, cancel, recall, track, or refund funds.

5. Permitted use

• Search SWIFT/BIC information for legitimate purposes
• Browse public country, bank, and code pages
• Use information as a starting point before bank verification
• Share normal links to public pages
• Report an error or submit a correction request in good faith

6. Prohibited activities

• Using the website for fraud, impersonation, money laundering, unlawful, or harmful activity
• Bypassing security, testing vulnerabilities without authorization, or disrupting the service
• Overloading the website through excessive, automated, or distributed requests
• Mass copying, scraping, extracting, reselling, or republishing the database or content
• Using bots, scripts, agents, or automated tools in a way that harms the website
• Removing ownership notices, impersonating us, or presenting the site as an official banking service
• Sending spam, malicious code, or misleading information through our contact channels

7. Automated access and data extraction

Normal search-engine indexing is permitted subject to our robots files and technical rules. Systematic extraction, bulk copying, creation of a derivative database, resale, or intensive automated access requires our prior written permission.

8. SWIFT/BIC information and accuracy

Information is provided for reference and may be compiled from datasets, public sources, bank materials, or other available references. Despite maintenance efforts, information may be incomplete, outdated, duplicated, or incorrect.

9. Bank verification is required

Before any transfer, you must confirm directly with your bank or the receiving institution the SWIFT/BIC code, beneficiary name, branch, account number or IBAN, currency, intermediary banks, fees, and payment instructions. You are responsible for this verification.

10. No financial advice or service

SwiftCodes.cc is not a bank, SWIFT SCRL, payment provider, money transfer service, broker, or financial adviser. Content is not financial, legal, tax, compliance, or investment advice.

11. Corrections

You may report an error through the contact page. We may review, correct, supplement, or remove information, but we do not guarantee a response time or acceptance of every request.

12. Intellectual property

The design, layout, editorial text, content organization, graphics, code, and original website elements may be protected. Unless permitted by law or in writing, you may not reproduce, modify, distribute, or commercially exploit a substantial part of the website.

Bank names, trademarks, logos, and other identifiers belong to their respective owners. Their appearance is for identification or descriptive purposes only and does not imply affiliation or endorsement.

13. Messages and suggestions

When you send a message, correction, or suggestion, you confirm that you have the right to do so. You allow us to use non-confidential information provided to review, correct, and improve the website. Do not send bank details, passwords, PINs, or sensitive documents.

14. Advertising

The website may display ads supplied by Google AdSense or other partners. An advertisement does not constitute our recommendation, warranty, or endorsement of the advertiser, product, or service. Your dealings with advertisers are between you and those third parties.

15. Third-party links and services

The website may link to banks, providers, advertisers, or external sites and may use hosting, security, analytics, or content-delivery services. We do not control their content, practices, availability, or terms and are not responsible for their services.

16. Privacy and cookies

Our Privacy Policy explains how technical information, cookies, analytics, advertising, and messages may be handled. It forms part of these terms.

17. Availability and changes

We may modify, correct, limit, suspend, or discontinue any part of the website at any time. We do not guarantee continuous availability, error-free operation, permanent preservation of any page, or compatibility with every device.

18. Service provided “as is”

To the fullest extent permitted by law, the website and content are provided “as is” and “as available,” without express or implied warranties of accuracy, completeness, timeliness, merchantability, fitness for a particular purpose, or non-infringement.

19. Limitation of liability

To the fullest extent permitted by law, SwiftCodes.cc and its operators will not be liable for direct or indirect losses arising from use of or inability to use the website, including misdirected transfers, funds sent to the wrong recipient, bank fees, delays, rejected payments, lost data, lost profits, or business interruption.

Some jurisdictions do not permit every exclusion or limitation. In those cases, our liability will be limited to the maximum extent permitted by applicable law.

20. Indemnity

To the extent permitted by law, you agree to indemnify us against reasonable claims and costs arising from your unlawful use of the website, violation of these terms, or infringement of a third party’s rights.

21. Suspension or restriction

We may limit or block access when activity threatens security, overloads the service, violates these terms, or creates risk for the website or its users.

22. Governing law

These terms are interpreted under the laws applicable to the website operator, without depriving consumers of mandatory protections available in their jurisdiction. Any dispute should first be subject to a reasonable attempt at informal resolution.

23. Severability and no waiver

If a provision is found invalid or unenforceable, the remaining provisions remain effective. Failure to enforce a right immediately does not waive that right.

24. Entire agreement

These terms, together with the Privacy Policy and applicable notices displayed on the website, form the agreement governing your use of the service.

25. Changes to these terms

We may revise these terms when the service, risks, providers, or legal requirements change. The updated version will be posted on this page with a new date. Continued use after publication constitutes acceptance of the revised terms.