Terms and Conditions

1. General Information and Ownership

These terms and conditions regulate the use of the website and the services offered by:

• Company: Clovr Labs S.L.
• CIF: B67306894
• Address: Camino Can Minguet, 72, 08173 Sant Cugat del Vallès, Barcelona, Spain
• Email: [email protected]

2. Purpose and Acceptance

Access to and use of this website implies the full and unconditional acceptance of these conditions of use. If you do not agree with any of the terms set out herein, you should not access or use this website.

3. Service Description

This website offers bank account verification services through the use of Open Banking technology and secure APIs.

The verification process follows these steps:

• Collection of personal and banking information with user consent
• Secure connection to the user's financial institution
• Verification of account holder identity and IBAN validity
• Return of verification results to the requester

The service includes:

• IBAN verification for payment validation
• Account holder identity confirmation

All data processing complies with GDPR and applicable data protection regulations.

4. Conditions of Access and Use

Users commit to:

• Using the service in accordance with applicable law and these conditions
• Not using the service for fraudulent, illegal, or unauthorized purposes
• Respecting the intellectual property and privacy rights of other users

5. Data Protection and User Rights

User personal data is processed in accordance with GDPR regulations. Users have the following rights:

• Right to access personal data held by the controller
• Right to correct inaccurate or incomplete data
• Right to erasure (right to be forgotten)
• Right to restriction of processing and data portability

To exercise these rights, users may contact us at: [email protected] or send a written request by mail to our address.

For more information about how we process your data, please read our Privacy Policy.

6. Intellectual and Industrial Property

The content, design, graphics, images, and any other material on this website are the intellectual property of Clovr Labs S.L. or its licensors. Any unauthorized use, reproduction, or distribution is strictly prohibited.

7. Liability Regime and Warranties

Important disclaimers:

• The service is provided 'as is' without warranties of any kind regarding accuracy or completeness
• We are not responsible for errors or omissions in verification results based on data provided by third-party APIs
• Users are solely responsible for the consequences of using verification results in their transactions

Clovr Labs S.L. shall not be liable for any indirect, incidental, or consequential damages arising from the use of this service.

8. Modification of Conditions

These terms and conditions may be modified at any time.

Significant changes will be notified to users through the website or by email. Continued use of the service after modifications constitutes acceptance of the new terms.

9. Applicable Law and Jurisdiction

These terms and conditions are governed by Spanish law.

Any disputes arising from the use of this website or its services shall be subject to the exclusive jurisdiction of the courts of Barcelona, Spain.