| Reversal means the funds received by you are reversed, returned, or clawed back | | Reversal means the funds received by you are reversed, returned, or clawed back |
| for any reason. For example, due to insufficient funds or account closure. | | for any reason. For example, due to insufficient funds or account closure. |
| Services means all products, services, content, features, technologies, or funct | | Services means all products, services, content, features, technologies, or funct |
| ions offered by us and all related websites, applications (including the App), a | | ions offered by us and all related websites, applications (including the App), a |
| nd service models (including the Website and via an API Partner), and including | | nd service models (including the Website and via an API Partner), and including |
| the Wise Account, the currency conversion, and Money Transfer offerings. | | the Wise Account, the currency conversion, and Money Transfer offerings. |
| Website means any Wise webpage, including but not limited to www.wise.com, where | | Website means any Wise webpage, including but not limited to www.wise.com, where |
| we provide the Services to you. | | we provide the Services to you. |
| n | Wise Account means a business multi-currency account held by customers at Wise, | n | Wise Account means a multi-currency account held by customers at Wise, which may |
| which may include a Jar. | | include a Jar. |
| 3. Who We Are and How To Contact Us? | | 3. Who We Are and How To Contact Us? |
| 3.1 Company Information. Wise US Inc. is a company incorporated under the laws o | | 3.1 Company Information. Wise US Inc. is a company incorporated under the laws o |
| f Delaware. Our registered office is located at 30 W 26th Street, Floor 6, New Y | | f Delaware. Our registered office is located at 30 W 26th Street, Floor 6, New Y |
| ork, NY 10010. This office is for Wise employees only and is not publicly open t | | ork, NY 10010. This office is for Wise employees only and is not publicly open t |
| o you or any other customers or members of the public. | | o you or any other customers or members of the public. |
| 3.2 Licensing. In the United States, we are licensed as a money transmitter in t | | 3.2 Licensing. In the United States, we are licensed as a money transmitter in t |
| he states listed here. We only offer our Services in the states in which we are | | he states listed here. We only offer our Services in the states in which we are |
| licensed or in the states that do not currently require us to be licensed to pro | | licensed or in the states that do not currently require us to be licensed to pro |
| vide our Services. In other US states, we only offer services in conjunction wit | | vide our Services. In other US states, we only offer services in conjunction wit |
| h our partner financial institution(s). The terms and conditions governing those | | h our partner financial institution(s). The terms and conditions governing those |
| services are located here. | | services are located here. |
| n | 3.4 How to Contact Us. You can contact us by email, web chat, by calling 1-844-9 | n | 3.3 How to Contact Us. You can contact us by email, web chat, by calling 1-844-9 |
| 26-4389, by logging into your Wise Account, or through our Help Center. | | 26-4389, by logging into your Wise Account, or through our Help Center. |
| USING OUR SERVICES | | USING OUR SERVICES |
| 4. Our Services Under This Agreement | | 4. Our Services Under This Agreement |
| 4.1 Overview. Each of our Services works slightly differently, here we provide a | | 4.1 Overview. Each of our Services works slightly differently, here we provide a |
| n overview of the services covered by this Agreement and the terms that apply to | | n overview of the services covered by this Agreement and the terms that apply to |
| all the Services under this Agreement. You should carefully read the section of | | all the Services under this Agreement. You should carefully read the section of |
| the Service you intend to use: | | the Service you intend to use: |
| 9.6 You Are Responsible For Your Wise Account After Closure. You agree that you | | 9.6 You Are Responsible For Your Wise Account After Closure. You agree that you |
| will continue to be responsible for all obligations related to your Wise Account | | will continue to be responsible for all obligations related to your Wise Account |
| and your use of our Services, even after it is closed, or you have stopped usin | | and your use of our Services, even after it is closed, or you have stopped usin |
| g our Services. For example, if you have a negative balance with Wise, you will | | g our Services. For example, if you have a negative balance with Wise, you will |
| remain responsible for paying us even after your Wise Account is closed and/or y | | remain responsible for paying us even after your Wise Account is closed and/or y |
| ou have deleted your profile. For more information, see Section 24.10 “What Happ | | ou have deleted your profile. For more information, see Section 24.10 “What Happ |
| ens if You Owe Us Money.” | | ens if You Owe Us Money.” |
| 9.7 Notice Termination. We may end this Agreement by giving you notice. We may t | | 9.7 Notice Termination. We may end this Agreement by giving you notice. We may t |
| erminate this Agreement and close your Wise Account or any Services associated w | | erminate this Agreement and close your Wise Account or any Services associated w |
| ith it at any time upon notice to you. | | ith it at any time upon notice to you. |
| 9.8 You Cannot Use the App if This Agreement Ends. On termination for any reason | | 9.8 You Cannot Use the App if This Agreement Ends. On termination for any reason |
| all rights granted to you in connection with the App shall cease, you must imme | | all rights granted to you in connection with the App shall cease, you must imme |
| diately delete or remove the App from your devices. | | diately delete or remove the App from your devices. |
| n | 9.9 Withdrawing Consent to Receive Communications Electronically. You may withdr | n | 9.9 Withdrawing Consent to Receive Communications Electronically. You may withdr |
| aw your consent to receive Communications electronically at any time through our | | aw your consent to receive Communications electronically at any time through our |
| Help Center or by writing to: Wise US Inc., 30 W 26th Street, Floor 6, New York | | Help Center or by writing to: Wise US Inc., 30 W 26th Street, Floor 6, New York |
| , NY 10010, ATTN: Wise Compliance. Should you choose to withdraw consent to rece | | , NY 10010, ATTN: Wise Compliance. Should you choose to withdraw consent to rece |
| ive Communications electronically, Wise will move forward with closing your acco | | ive Communications electronically, Wise will move forward with closing your acco |
| unt, which will be closed once all funds have been dispersed from the account. A | | unt, which will be closed once all funds have been disbursed from the account. A |
| fter consent is withdrawn, you will not be eligible to use our services. If you | | fter consent is withdrawn, you will not be eligible to use our services. If you |
| wish to reactivate your account and consent to electronic Communications, contac | | wish to reactivate your account and consent to electronic Communications, contac |
| t the Help Center. | | t the Help Center. |
| 10. How Much Will You Pay? | | 10. How Much Will You Pay? |
| 10.1 Fees Incurred. Registering for Wise and/or opening a personal Wise Account | | 10.1 Fees Incurred. Registering for Wise and/or opening a personal Wise Account |
| is free. You may incur a fee when you use parts of our Services such as sending | | is free. You may incur a fee when you use parts of our Services such as sending |
| money, converting currencies, getting a card, or receiving wire payments. You ca | | money, converting currencies, getting a card, or receiving wire payments. You ca |
| n find out more information about the fees we charge on the Pricing Page. | | n find out more information about the fees we charge on the Pricing Page. |
| 10.2 You Must Pay Our Fees. We may not process your transaction(s) or provide an | | 10.2 You Must Pay Our Fees. We may not process your transaction(s) or provide an |
| y other Services to you until we have received the fees from you. Our fees do no | | y other Services to you until we have received the fees from you. Our fees do no |
| t include any fees that an API Partner, your bank, the recipient’s bank or other | | t include any fees that an API Partner, your bank, the recipient’s bank or other |
| third party may separately charge. You can find out more information about the | | third party may separately charge. You can find out more information about the |
| fees we charge on the Pricing Page. | | fees we charge on the Pricing Page. |
| 27.3 Severability. Each of the paragraphs of this Agreement operates separately. | | 27.3 Severability. Each of the paragraphs of this Agreement operates separately. |
| If any court or relevant authority decides that any of them are unlawful or une | | If any court or relevant authority decides that any of them are unlawful or une |
| nforceable, the remaining paragraphs will remain in full force and effect. | | nforceable, the remaining paragraphs will remain in full force and effect. |
| 27.4 Enforcement. Even if we delay in enforcing this Agreement, we can still enf | | 27.4 Enforcement. Even if we delay in enforcing this Agreement, we can still enf |
| orce it later. If we delay in asking you to do certain things or taking certain | | orce it later. If we delay in asking you to do certain things or taking certain |
| action, it will not prevent us from taking steps against you at a later date. | | action, it will not prevent us from taking steps against you at a later date. |
| 27.5 Entire Agreement. This Agreement supersedes and extinguishes all previous a | | 27.5 Entire Agreement. This Agreement supersedes and extinguishes all previous a |
| greements between you and Wise, whether written or oral, relating to its subject | | greements between you and Wise, whether written or oral, relating to its subject |
| matter. | | matter. |
| t | 27.6 Copyright Infringement Claims. The Digital Millennium Copyright Act of 1998 | t | 27.6 Copyright Infringement Claims. The Digital Millennium Copyright Act of 1998 |
| (the “DMCA”) provides recourse for copyright owners who believe that material a | | (the “DMCA”) provides recourse for copyright owners who believe that material a |
| ppearing on the Internet infringes their rights under U.S. copyright law. If you | | ppearing on the Internet infringes their rights under U.S. copyright law. If you |
| believe in good faith that materials available on the Site infringe your copyri | | believe in good faith that materials available on the Site infringe your copyri |
| ght, you (or your agent) may send to Wise a written notice by mail, e-mail or fa | | ght, you (or your agent) may send to Wise a written notice by mail, e-mail or fa |
| x, requesting that Wise remove such material or block access to it. If you belie | | x, requesting that Wise remove such material or block access to it. If you belie |
| ve in good faith that someone has wrongly filed a notice of copyright infringeme | | ve in good faith that someone has wrongly filed a notice of copyright infringeme |
| nt against you, the DMCA permits you to send to Wise a counter-notice. Notices a | | nt against you, the DMCA permits you to send to Wise a counter-notice. Notices a |
| nd counter-notices must meet the then-current statutory requirements imposed by | | nd counter-notices must meet the then-current statutory requirements imposed by |
| the DMCA. See http://www.copyright.gov/ for details. Notices and counter-notices | | the DMCA. See http://www.copyright.gov/ for details. Notices and counter-notices |
| must be sent in writing to Wise as follows: By mail to Wise Legal Counsel, 19 W | | must be sent in writing to Wise as follows: By mail to Wise Legal Counsel, 30 W |
| 24th Street, New York, NY 10010; by e-mail to legal@wise.com. | | 26th Street, Floor 6, New York, NY 10010; by e-mail to legal@wise.com. |
| 27.7 Unlawful internet gambling notice. Restricted transactions as defined in Fe | | 27.7 Unlawful internet gambling notice. Restricted transactions as defined in Fe |
| deral Reserve Regulation GG are prohibited from being processed through your Wis | | deral Reserve Regulation GG are prohibited from being processed through your Wis |
| e Account or your relationship with Wise. Restricted transactions generally incl | | e Account or your relationship with Wise. Restricted transactions generally incl |
| ude, but are not limited to, transactions in which credit, electronic fund trans | | ude, but are not limited to, transactions in which credit, electronic fund trans |
| fers, checks, or drafts are knowingly accepted by gambling Businesses in connect | | fers, checks, or drafts are knowingly accepted by gambling Businesses in connect |
| ion with unlawful Internet gambling. | | ion with unlawful Internet gambling. |
| 27.8 Export Controls. You are responsible for complying with United States expor | | 27.8 Export Controls. You are responsible for complying with United States expor |
| t controls and for any violation of such controls, including any United States e | | t controls and for any violation of such controls, including any United States e |
| mbargoes or other federal rules and regulations restricting exports. You represe | | mbargoes or other federal rules and regulations restricting exports. You represe |
| nt, warrant and covenant that you are not (a) located in, or a resident or a nat | | nt, warrant and covenant that you are not (a) located in, or a resident or a nat |
| ional of, any country subject to a U.S. government embargo or other restriction, | | ional of, any country subject to a U.S. government embargo or other restriction, |
| or that has been designated by the U.S. government as a “terrorist supporting” | | or that has been designated by the U.S. government as a “terrorist supporting” |
| country; or (b) on any of the U.S. government lists of restricted end users. | | country; or (b) on any of the U.S. government lists of restricted end users. |
| 28. Dispute Resolution | | 28. Dispute Resolution |