Terms of Use

**INTRODUCTION:**
These Terms of Use govern the use of this site, provided by Wise Things ("Wise Things," "we" or "us"). By accessing this site, you acknowledge and accept these Terms of Use. They do not create any third-party beneficiary rights and are subject to change at any time at our discretion. Your use of this site after such changes constitutes your acceptance of them. Please review these Terms of Use regularly. Use of Wise Things services and this site is limited to users who are at least 13 years old. If you are under 13, you are not permitted to use this website, register as a customer, or provide personal information to Wise Things.

**ORDER OF PRECEDENCE:**
In case of any inconsistency between these Terms of Use and any written agreement (e.g., Master Client Agreement, Service Agreement, Master Services Agreement, etc.) between you and Wise Things pursuant to which Wise Things provides products and/or services to you (a "Subscription Agreement"), the Subscription Agreement shall control.

**PROPRIETARY INFORMATION:**
The material and content accessible from this site (collectively, the "Content") is our proprietary information or the proprietary information of the party that provided the Content to us. Wise Things or such party retains all right, title, and interest in the Content. The Content may not be copied, distributed, republished, uploaded, posted, or transmitted without our prior written consent. Modification or use of the Content except as expressly provided in these Terms of Use violates our intellectual property rights. All graphics, logos, page headers, button icons, scripts, and service names included in or made available through any Wise Things service are trademarks or trade dress of Wise Things.

**RESTRICTIONS ON USE:**
You may use this site only for the purposes expressly permitted, namely finding general information regarding our company, products, and services, and accessing subscription-based Content if you have a valid Subscription Agreement. You may not use this site for any other purpose without our prior written consent. You may not copy, modify, distribute, sell, or lease any part of this site, Content, or software unless laws prohibit those restrictions or you have our written permission. Co-branding, framing, or linking to this site without our prior written consent is prohibited.

**SUBMISSIONS:**
You grant us a royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, distribute, and display all content communicated to us through this site. We may use any Submission in our business without incurring liability for royalties. You represent that you have the necessary rights to grant us this license for any Submission. Personal information submitted through this site will be treated in accordance with our Privacy Policy.

**MOBILE APPS:**
For supplemental Privacy information related to our Mobile Apps, please refer to our Mobile App Privacy Policies.

**INDEMNIFICATION:**
You will indemnify, defend, and hold Wise Things harmless from any breach of these Terms of Use by you, including any unauthorized use of Content. You agree that Wise Things will have no liability in connection with any such breach or unauthorized use.

**INFORMATION YOU PROVIDE:**
You may not post, submit, publish, or transmit material that violates these Terms of Use, including material that infringes on third-party rights, advocates illegal activity, or contains viruses. Wise Things reserves the right to monitor use of this site and may track and analyze your use for research and marketing purposes.

**PERMISSIONS:**
You grant us the right to review, mine, and record content available on public, non-password-protected portions of your websites and social media resources for inclusion in our proprietary databases and subscription-based Content.

**SECURITY:**
You are prohibited from compromising security or tampering with system resources and accounts. Wise Things reserves the right to investigate suspected violations and may cooperate with law enforcement authorities.

**LINKS:**
This site may contain links to third-party sites. We are not responsible for the content of those sites and make no representations or warranties about them.

**DISCLAIMER:**
The Content on this site speaks only as of the date it is posted, and Wise Things does not undertake any obligation to update it. Wise Things provides this site on an "as is" and "as available" basis, without warranty of any kind.

**LIMITATION OF LIABILITY:**
Under no circumstances shall Wise Things be liable for consequential, indirect, special, or incidental damages. In no event will our liability relating to this site exceed $10.

**MISCELLANEOUS:**
These Terms of Use are governed by the laws of Illinois, United States of America. The exclusive venue for any dispute will be in the state and federal courts in New York, New York. If any part of these Terms of Use is unlawful, void, or unenforceable, that part will be deemed severable.

**TECHNICAL REQUIREMENTS:**
You are responsible for complying with the hardware and software requirements of this site, which may change over time without notice.


**LAST UPDATED:**
April 10, 2024.



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Privacy Policy

This is the Privacy Policy for Wise Things and its affiliates and subsidiaries. In this policy, we refer to ourselves as “Wise Things,” “we,” “us,” or “our,” and we refer to you, the individual using our app/website or interacting with our services, as “you.”Wise Things offers services that empower individuals to make informed financial decisions, optimize savings opportunities, and earn rewards from their everyday transactions.

**What this Privacy Policy Covers:**This Privacy Policy outlines how Wise Things collects, processes, uses, and shares Personal Information in connection with the Wise Things website (the “Site”), the Wise Things mobile application (the “App”), and any other platforms or functionalities provided by Wise Things (collectively referred to as the “Service”). This Privacy Policy applies to all content, products, services, and features offered through our online platforms.

**Information Collection:**We may collect various types of Personal Information from you, including but not limited to:- Information you provide voluntarily, such as when you create an account or interact with our services.
- Information collected through automated technologies, such as cookies or similar tracking mechanisms.
- Information obtained from third-party sources, where permitted by law.

**Use of Personal Information:**We use Personal Information for the following purposes:- To provide and improve our services.
- To personalize your experience and deliver relevant content.
- To analyze usage trends and optimize our platform.
- To comply with legal obligations and enforce our policies.

Sharing of Personal Information:

**We may share Personal Information with third parties for the following purposes:- With service providers and partners who assist us in delivering our services.
- With your consent or as otherwise permitted by law.
- In connection with corporate transactions or legal proceedings.

**SERVICES PLATFORM**

On our service platform (e.g., Plural), Wise Things collects information under the direction of its clients, and has no direct relationship with the individuals whose personal data it processes. If you are a customer or employee of one of our clients and would no longer like to be contacted by one of our clients that uses our service, please contact the client that you interact with directly. Wise Things acknowledges that you have the right to access your personal information. Wise Things has no direct relationship with the individuals whose personal data it processes on our service platform. An individual who seeks access, or who seeks to correct, amend, or delete inaccurate data should direct their query to the Wise Things’ client (the data controller). If requested to remove data, we will respond within a reasonable timeframe.

**Opting Out:**

If you choose to opt out of certain data sharing practices, you may do so through the settings provided within our platform. However, please note that opting out may limit your access to certain features or functionalities.

**Changes to this Privacy Policy:**

We reserve the right to update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website or through other appropriate means.

**Contact Us:

**If you have any questions, concerns, or requests regarding this Privacy Policy or our handling of Personal Information, please contact us at [insert contact information].Thank you for reviewing our Privacy Policy. Your privacy and trust are important to us.