The terms on which IFS S.R.L. makes its website, platform and API available to you.
Last updated: 8 July 2026
These Terms and Conditions of Use ("Terms") constitute a binding agreement between you, or the legal entity you represent ("you", "Customer"), and IFS S.R.L., a company incorporated in Italy with its registered office at Via Monte Napoleone 8, 20121 Milan, Italy ("Italian Financial", "we", "us"). They govern your access to and use of our website at italianfinancial.com, our developer console, our application programming interfaces (the "API") and any related products, documentation and services (together, the "Services").
By accessing or using the Services, creating an account, or clicking to accept these Terms, you confirm that you have read, understood and agree to be bound by them. If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have authority to bind that entity. If you do not agree with any part of these Terms, you must not access or use the Services.
Certain Services may be subject to additional or separate terms set out in a written commercial agreement, order form or product-specific schedule ("Commercial Agreement"). Where a Commercial Agreement conflicts with these Terms, the Commercial Agreement prevails to the extent of the conflict.
In these Terms, unless the context requires otherwise:
The Services are intended for use by businesses, financial institutions and their authorised personnel, and not by consumers. To use the Services you must be at least 18 years of age, have the legal capacity to enter into a binding contract, and not be barred from receiving the Services under any applicable law, including trade sanctions or export-control laws.
You may access and use the Services only for lawful business purposes and in accordance with these Terms, the Documentation and all applicable laws and regulations. You are responsible for ensuring that your use of the Services, and the products you build on them, comply with the legal and regulatory requirements applicable to you in each jurisdiction in which you operate.
Italian Financial provides a modular financial-technology platform comprising core banking infrastructure, biometric KYC/KYB identity verification, payment wallets, card issuing and a payment gateway, accessible through a unified API and developer console. Features, availability and specifications of the Services may evolve over time, and we may add, modify or discontinue functionality on reasonable notice.
We make the Sandbox available so that you can evaluate and integrate the Services. The Sandbox is provided for testing only, must not be used to process live transactions or real personal data beyond what is strictly necessary, and may be subject to functional limitations that differ from the production environment.
To access most of the Services you must register for an account and provide accurate, current and complete information. You are responsible for keeping your account details up to date and for all activity that occurs under your account.
We will issue you API Credentials. You must keep API Credentials confidential, store them securely, and not share, embed in insecure locations, or disclose them to any third party except your authorised personnel who need them to operate the Services on your behalf. You are responsible for all use of the Services made using your API Credentials, whether or not authorised by you, until you notify us that they have been compromised. You must notify us without undue delay at support@italianfinancial.com if you suspect any unauthorised access to your account or credentials, and we may suspend or rotate credentials to protect the Services.
You agree to use the Services responsibly and in good faith. You must not, and must not permit any third party to:
We may investigate suspected violations and may suspend or restrict access to the Services where we reasonably believe your use poses a security, legal, regulatory or reputational risk.
Fees for the Services, where applicable, are set out in your Commercial Agreement or an applicable order form or pricing schedule. Unless otherwise agreed in writing, fees are stated exclusive of value-added tax and other applicable taxes, which you are responsible for paying. Where fees are payable, they are due in accordance with the payment terms of your Commercial Agreement. We may suspend the Services for undisputed fees that remain overdue following reasonable notice.
The Services, the API, the Documentation, our software, trademarks, logos and all related intellectual property rights are and remain the exclusive property of Italian Financial and its licensors. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Services and Documentation solely for your internal business purposes during the term.
You retain all rights in your Content. You grant us a limited licence to host, process and transmit your Content solely as necessary to provide, secure, maintain and improve the Services and to comply with our legal obligations. We may collect and use aggregated and anonymised data derived from the operation of the Services, provided it does not identify you or any individual.
The Services may interoperate with, or rely on, third-party products and services, including identity-verification providers, sanctions and screening data sources, card networks and cloud infrastructure providers. Your use of such third-party services may be subject to separate terms imposed by the relevant provider. We are not responsible for the acts, omissions, availability or content of third-party services, and their inclusion does not imply endorsement.
Each party may receive information of the other that is marked confidential or that should reasonably be understood to be confidential ("Confidential Information"). The receiving party must protect the other party's Confidential Information using at least reasonable care, use it only to perform its obligations or exercise its rights under these Terms, and not disclose it except to personnel and advisers who need to know it and are bound by comparable confidentiality obligations. This obligation does not apply to information that is or becomes public through no fault of the receiving party, was lawfully known before disclosure, or is required to be disclosed by law or a competent authority, in which case the receiving party will, where lawful, give reasonable notice.
We will provide the Services with reasonable skill and care and in accordance with the Documentation. Except as expressly stated in these Terms or a Commercial Agreement, and to the maximum extent permitted by law, the Services are provided "as is" and "as available", and we disclaim all other warranties, whether express, implied or statutory, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranty that the Services will be uninterrupted, error-free or completely secure.
You are responsible for determining whether the Services are suitable for your intended use and for maintaining appropriate backups, controls and contingency arrangements.
Nothing in these Terms excludes or limits either party's liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any liability that cannot be excluded or limited under applicable law.
Subject to the foregoing, and to the maximum extent permitted by law: (a) neither party will be liable for any indirect, incidental, special or consequential loss, or for loss of profits, revenue, business, goodwill or anticipated savings, or for loss or corruption of data, arising out of or in connection with these Terms, whether in contract, tort (including negligence) or otherwise; and (b) each party's total aggregate liability arising out of or in connection with these Terms will not exceed the total fees paid or payable by you for the Services in the twelve (12) months preceding the event giving rise to the liability, or, where no fees are payable, one thousand euros (€1,000).
You will defend, indemnify and hold harmless Italian Financial, its affiliates and their respective officers, directors and personnel from and against any third-party claims, and any resulting losses, damages, liabilities, costs and reasonable legal fees, arising out of or in connection with: (a) your breach of these Terms or applicable law; (b) your Content or the products and services you provide to End Users; or (c) your use of the Services in a manner not authorised by these Terms. We will notify you promptly of any such claim, allow you to control its defence (provided any settlement releasing us is subject to our consent), and provide reasonable cooperation at your expense.
These Terms apply from the moment you first access the Services and continue until terminated. You may stop using the Services and close your account at any time. We may suspend or terminate your access to the Services, in whole or in part, with immediate effect where you materially breach these Terms and fail to cure the breach within a reasonable period after notice, where required to do so by law or a regulator, or where continued provision would expose us to material legal, security or reputational risk. Either party may terminate a Commercial Agreement in accordance with its terms.
On termination, your right to access the Services ceases, and we may delete or return your Content in accordance with our Privacy Policy and applicable law. Provisions which by their nature should survive termination — including those on intellectual property, confidentiality, disclaimers, limitation of liability, indemnification and governing law — will continue in effect.
We may update these Terms from time to time to reflect changes in our Services, in law or in our business practices. We will post the updated Terms on this page and update the "Last updated" date, and, where changes are material, we will take reasonable steps to notify you, for example by email or through the console. Your continued use of the Services after the changes take effect constitutes acceptance of the revised Terms. If you do not agree to the changes, you must stop using the Services.
These Terms, and any non-contractual obligations arising out of or in connection with them, are governed by and construed in accordance with the laws of Italy. Subject to any mandatory provision of applicable law, the courts of Milan, Italy, have exclusive jurisdiction to settle any dispute arising out of or in connection with these Terms or the Services.
Questions about these Terms may be sent to IFS S.R.L., Via Monte Napoleone 8, 20121 Milan, Italy, or by email to support@italianfinancial.com. For compliance or regulatory enquiries, contact compliance@italianfinancial.com.