Last updated 28 October 2026
1.1 These Terms of Service ("Terms") govern access to and use of the Wise platform, websites, mobile apps and related services (the "Service"). They form a binding agreement between Wise Leap Technologies, Inc., a Delaware corporation ("Wise", "we", "us"), and the business, organization or individual who creates or uses a Wise account ("Customer", "you").
1.2 The Service is designed for businesses, organizations and professionals who use it to teach, train or run their operations. Nothing in these Terms limits any rights you have under consumer protection laws that cannot be excluded.
1.3 The Agreement consists of: (a) any Country Addendum that applies to you; (b) the Data Processing Addendum ("DPA"); (c) any order form or custom agreement signed with Wise ("Order"); (d) these Terms, including the Feature Terms schedule; and (e) the policies linked from these Terms, including the Privacy Policy and Acceptable Use rules. If they conflict, they take priority in that order, except that the DPA always prevails on the processing of personal data.
3.1 You must be at least 18 years old, or the age of majority where you live if higher, and able to form a binding contract. If you accept these Terms for an organization, you confirm you have authority to bind it, and "you" means that organization.
3.2 You must give accurate, current and complete account information and keep it updated. Each login is for one person only. You may add Authorized Users up to the limits of your plan.
3.3 You are responsible for all activity under your account, for keeping credentials secure, and for your Authorized Users' compliance with the Agreement. Tell us promptly at info@wiseapp.live if you suspect unauthorized access.
3.4 Wise offers a free plan. It never converts to a paid plan automatically; you are charged only if you choose a paid plan. Free accounts are limited to one per person or organization. We may change or end the free plan on notice.
4.1 You control which End Users you invite and what information you collect about them. You are responsible for your relationship with your End Users, including your own terms, fees, refunds, safeguarding and communications with them.
4.2 People under 18 (or under the age of digital consent where they live) may use the Service only through an account set up or supervised by you or by a parent or guardian. Children under 13 must not register on their own.
4.3 You, not Wise, are responsible for obtaining every permission, notice and consent needed for your use of the Service. That includes permissions from your Authorized Users and End Users, and from parents or guardians where children are involved. Wise is not responsible for obtaining any of them.
4.4 If your use of the Service involves children or vulnerable people, you are responsible for appropriate safeguarding, including vetting the people you allow to interact with them. Wise does not employ, vet or supervise your Authorized Users.
4.5 Anyone who uses the Service through your account, including your End Users, must follow Section 11 (Acceptable use), and you will make them aware of it. Wise may suspend any End User who breaks it. To the extent the law allows, Wise has no liability to your End Users, and claims they bring against Wise that relate to your services are covered by your indemnity in Section 18. Nothing in the Agreement limits rights under consumer protection laws that cannot be excluded.
5.1 Paid plans are billed in advance, monthly or annually, as you choose, in the currency shown at checkout. They renew automatically for the same period until you cancel. You authorize us to charge your payment method on each renewal.
5.2 Fees are non-refundable, including for partial periods, unused features or downgrades, unless the law requires otherwise. A cancellation takes effect at the end of the current billing period.
5.3 If you upgrade, we immediately charge a pro-rated amount for the rest of the current billing period, and the new fee applies from then on. If you downgrade, the new fee applies from the next period, and you may lose features, capacity or content that the lower plan does not include.
5.4 We may change Fees or plan features with advance notice. The change applies from your next renewal after the effective date stated in that notice. If you do not agree, you may cancel before it takes effect.
5.5 Fees exclude taxes. You are responsible for all sales, use, VAT, GST and similar taxes on the Fees, other than taxes on Wise's income. Where we must collect tax, we will add it to your invoice.
5.6 If a payment fails, we may retry it and, after 14 days' notice, suspend paid features until the amount is paid.
6.1 The Service lets you invoice and collect payments from your End Users through third-party payment providers integrated with the Service (each a "Payment Processor"). The Payment Processors available to you depend on your country and are shown in the Service. Payments are processed by the Payment Processor, not by Wise. Wise is not a bank, money transmitter or payment institution, and funds are held and settled by the Payment Processor, not by Wise.
6.2 Own account. You may connect your own Payment Processor account (your "Payment Account"). You authorize Wise to access it through the Payment Processor's API to create invoices and payment links, start charges and refunds you request, and show payment status in the Service. Your agreement with the Payment Processor governs identity verification, payouts to you, account limits and closures.
6.3 Split payments. If you use split payments, a payment from an End User is divided between you and the recipients you choose, such as tutors, trainers or partners ("Payees"), in the shares you set in the Service. Each Payee receives its share through the Payment Processor. You are responsible for setting the correct shares and Payees, and for any agreement between you and your Payees.
6.4 Fees. Payment processing fees, where applicable, will be deducted from each payment before payout. Payout timing is set by the Payment Processor. Wise also charges a platform fee on split payments, at the rate shown in your plan or Order, which is added to your monthly invoice.
6.5 You are the merchant of record for payments from your End Users. You are responsible for your prices, refunds, chargebacks, disputes and taxes on those payments, and for any Payment Processor fees, fines, chargebacks or reversals caused by your account or your Payees.
Exception for split payments: Section 6.5 does not apply to split payments under Section 6.3 where the law requires a different allocation, including in the United Kingdom. In those cases, responsibility for refunds, chargebacks and disputes is allocated as that law and the Payment Processor's terms require.
6.6 Wise is not liable for any act, omission, delay or failure of a Payment Processor, except where a separate written agreement with Wise says otherwise.
7.1 You own your Customer Data. Wise acquires no ownership rights in it.
7.2 You grant Wise a worldwide, non-exclusive, royalty-free licence to host, copy, process, transmit and display Customer Data. The licence lasts for the term of the Agreement and is only for providing, securing, supporting and improving the Service, as set out in the DPA.
7.3 For personal data in Customer Data, you are the controller and Wise is your processor, as set out in the DPA. Wise processes personal data about you, your Authorized Users and visitors to our websites as a controller, under the Privacy Policy.
7.4 You are responsible for having a lawful basis, and for giving the required notices and obtaining the required consents, for all personal data you put into the Service.
7.5 Wise may use usage data, such as errors, crashes, performance and feature use, and aggregated, de-identified data derived from it, to operate, analyse and improve the Service. That data must not identify you or any individual. Wise does not use content that you or your users create or upload, such as messages, files, course content, recordings and AI Output, to improve the Service, build or test new features, or train AI models. It uses that content only to provide the Service to you. Wise does not sell Customer Data or use it for advertising.
7.6 You can export Customer Data at any time through the Service's self-service export tools, in a structured, machine-readable format. After termination, Customer Data remains available for export for 30 days. After that it is deleted under the DPA unless the law requires us to keep it.
8.1 Wise maintains appropriate technical and organizational measures to protect Customer Data. These include encryption in transit and at rest, role-based access controls with multi-factor authentication for administrative access, and logging, as further described in the DPA.
8.2 Wise will notify you without undue delay after becoming aware of a security incident affecting your Customer Data, as set out in the DPA.
8.3 You are responsible for securing your own devices, credentials and account settings, and for configuring the Service's access and privacy settings to suit your needs.
9.1 Live sessions may be delivered through third-party video and conferencing services integrated with the Service. Recordings may be stored on Wise's own infrastructure after each session.
9.2 Session recording is off by default and can be turned on in your settings. Before recording, you must tell all participants and obtain any consent the law requires, including from a parent or guardian for children. You must also comply with recording laws that require all-party consent.
9.3 Recordings are retained while your paid plan is active, until you delete them. If your paid plan expires and is not renewed, recordings are deleted 15 days after expiry. Lower plans may limit recording storage, and recordings beyond the limit may be deleted after notice.
9.4 If you connect a third-party account, such as YouTube or Google, you authorize Wise to access and send data to it as needed for the integration. Your use of that service is governed by its own terms, including the YouTube Terms of Service and Google Privacy Policy. You can revoke access at any time in the third party's settings.
10.1 AI Features use third-party AI model providers, currently OpenAI and Anthropic (Claude). Wise may add or change providers, and the current list is in the DPA's subprocessor list. These providers process session transcripts and other Customer Data that you choose to use with AI Features, to generate output such as session summaries and progress reports ("AI Output").
10.2 Neither Wise nor its AI providers use Customer Data to train or fine-tune AI models. AI providers may keep inputs for a limited period for abuse monitoring, as described in the DPA.
10.3 AI Output may be inaccurate, incomplete or biased. You are solely responsible for reviewing AI Output and for deciding whether, how and with whom to share it, including with End Users. AI Output must not be used as the sole basis for decisions with legal or similarly significant effects on a learner.
10.4 As between you and Wise, AI Output generated from your Customer Data is Customer Data. AI Features are optional. You decide whether to turn them on, and you can turn them off at any time.
You must not, and must not allow anyone using your account to:
We may remove content or restrict access where we reasonably believe these rules have been broken.
12.1 Wise and its licensors own the Service, including its software, design, content and trademarks. Subject to the Agreement and payment of Fees, we grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service for your internal business purposes during the term.
12.2 You keep all rights in course materials and other content you upload. You confirm you have the rights needed to upload and share it.
12.3 You allow Wise to show your business name and logo in customer lists and marketing. You may withdraw this permission by emailing marketing@wiseapp.live.
12.4 If you send feedback or suggestions, Wise may use them without restriction or payment.
13.1 Each party will keep the other's non-public business, technical and financial information confidential. It will use that information only to perform the Agreement and will protect it with at least reasonable care.
13.2 This does not apply to information that is or becomes public through no fault of the recipient, was already lawfully known to it, or was independently developed. A party may disclose confidential information where the law requires it, giving the other party prior notice where lawful.
13.3 Customer Data is protected by the DPA as well as this section.
The Service integrates with third-party products, including payment, video, calendar, storage and AI providers. Wise is not responsible for third-party products that you choose to enable, other than its own subprocessors under the DPA. Your use of them is governed by their terms.
15.1 The Agreement starts when you first accept these Terms or use the Service. It continues until your account is closed.
15.2 You may cancel at any time from your account settings. Paid plans end at the end of the current billing period. Wise may terminate for convenience on 30 days' written notice.
15.3 Either party may terminate if the other materially breaches the Agreement and does not cure the breach within 15 days of written notice.
15.4 Wise may suspend or terminate access immediately if this is reasonably necessary to comply with law, to protect children or other users, to prevent harm to the Service, or because of a serious or repeated breach of Section 11. Where reasonable, we will tell you why and give you a chance to resolve the issue.
15.5 On termination, your right to use the Service ends, and you must pay any Fees owed. Customer Data is handled as set out in Section 7.6 and the DPA. If Wise terminates for convenience, it will refund prepaid Fees for the unused period.
15.6 Sections 6.5, 7, 12, 13 and 15 to 21 survive termination.
16.1 Each party confirms it has the authority to enter into the Agreement. Wise will provide the Service with reasonable skill and care and in line with the published description of your plan.
16.2 EXCEPT AS EXPRESSLY STATED IN THE AGREEMENT, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE". WISE DISCLAIMS ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WISE DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.
16.3 Wise is not responsible for the quality, content or conduct of any tutoring, or for any relationship between you and your End Users.
17.1 TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, GOODWILL OR DATA, HOWEVER CAUSED.
17.2 EACH PARTY'S TOTAL LIABILITY ARISING OUT OF OR RELATING TO THE AGREEMENT, INCLUDING THE DPA, WILL NOT EXCEED THE FEES PAID OR PAYABLE BY YOU TO WISE IN THE 6 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.
17.3 The limits in Sections 17.1 and 17.2 do not apply to: your payment obligations; your indemnity obligations; breach of Section 11 or 13; or liability that cannot be limited by law, such as for fraud, gross negligence or wilful misconduct, or death or personal injury caused by negligence.
18.1 You will defend and indemnify Wise and its affiliates, officers, employees and agents against third-party claims, and related losses and reasonable legal fees, arising from: your Customer Data or content; your relationship with your End Users, including tutoring, payments and safeguarding; your breach of the Agreement or the law; or your failure to obtain the notices and consents required under Sections 4, 7.4 or 9.2.
18.2 The indemnified party must give prompt notice of the claim, allow the indemnifying party to control the defence, and give reasonable cooperation. It must not settle the claim without consent, which may not be unreasonably withheld.
19.1 The Agreement is governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules. The state and federal courts in New Castle County, Delaware have exclusive jurisdiction.
19.2 Before starting proceedings, the parties will try in good faith to resolve any dispute for 30 days after written notice. Either party may seek urgent injunctive relief at any time.
19.3 The UN Convention on Contracts for the International Sale of Goods does not apply.
20.1 We may update these Terms from time to time. For material changes, we will give advance notice by email or in the Service before they take effect. Changes needed for legal or security reasons may take effect sooner.
20.2 If you do not agree to a change, you may cancel before it takes effect. In that case we will refund any prepaid Fees for the unused period. Continued use after the effective date means you accept the change.
21.1 Entire agreement. The Agreement is the entire agreement between the parties about its subject matter. It replaces any earlier terms on that subject.
21.2 Assignment. You may not assign the Agreement without Wise's written consent. Wise may assign it to an affiliate, or in a merger, acquisition or sale of all or substantially all of its assets, on notice to you.
21.3 Force majeure. Neither party is liable for delay or failure caused by events beyond its reasonable control, other than payment obligations.
21.4 Severability and waiver. If any provision is unenforceable, the rest remains in effect. A failure to enforce a provision is not a waiver.
21.5 Notices. Wise may send notices to your account email or show them in the Service. Send notices to Wise at info@wiseapp.live.
21.6 Independent parties. The parties are independent contractors. Nothing in the Agreement creates a partnership, agency or employment relationship.
21.7 Export and sanctions. You confirm you are not on any government sanctions list and will not use the Service in breach of export or sanctions laws.
21.8 Language. These Terms are written in English. If they are translated, the English version prevails.
Wise Leap Technologies, Inc., 355 Bryant Street, Suite 403, San Francisco, CA 94107, USA. Email: info@wiseapp.live.
These Feature Terms apply when you use the features below. They form part of these Terms.
F1.1 The Service may include chat, messaging, comments and other features that let your Authorized Users and End Users communicate ("Messaging"). You are responsible for how Messaging is used under your account. That includes deciding who can message whom, supervising communications involving children, moderating content and responding to complaints from your users.
F1.2 Messages and shared content are Customer Data. Wise does not routinely monitor them. Wise may review, remove or restrict access to content, or restrict a user, where it receives a report or reasonably believes that the content breaks Section 11 or the law, or where the law requires it.
F1.3 Anyone can report illegal or harmful content to Wise at info@wiseapp.live. You will cooperate with Wise on reports involving your account.
F2.1 If your plan includes branded mobile apps, Wise builds, publishes and maintains apps carrying your name and branding ("Branded Apps"). It publishes them through your own developer accounts with Apple, Google or other app stores ("App Stores").
F2.2 You are the publisher of record. You must maintain your App Store developer accounts, pay their fees, and comply with their terms and review guidelines. You give Wise the access to those accounts that it needs to publish and update your Branded Apps.
F2.3 You grant Wise a licence to use your names, logos and other branding in your Branded Apps and their App Store listings. You confirm you have the rights to that branding.
F2.4 Wise will provide the information you need for App Store privacy disclosures about how the Service handles data. You are responsible for the accuracy of your listings and for any content or features you ask Wise to add.
F2.5 Wise is not responsible for App Store review decisions, rejections, delays or removals. When the Agreement ends, Wise will stop updating your Branded Apps and may remove the Service from them. You are responsible for removing them from the App Stores.
F3.1 The Service lets you create public pages to sell courses, classes and content to your End Users ("Storefronts"). You are the seller. Wise only provides the technology.
F3.2 You are responsible for your Storefront content, prices and taxes, and for your own terms of sale, refund and cancellation policy and privacy notice. You are also responsible for complying with consumer protection law, such as cooling-off and withdrawal rights for online sales.
F4.1 The Service lets you send emails, SMS, WhatsApp and other messages to your End Users, including automated reminders and notifications. You decide who receives them and what they say.
F4.2 You are responsible for complying with all anti-spam, telemarketing and electronic marketing laws. That includes obtaining consent where required, identifying yourself as sender, and honouring opt-outs. You must also comply with the terms of the messaging channel, such as WhatsApp's business policies. Third-party messaging charges may apply.
Delaware law and Wise Leap Technologies, Inc. apply everywhere. Each addendum only adds what local law makes mandatory. Countries without an addendum use the US site and the base Terms.
| Addendum | Status | Sections affected | Key additions |
|---|---|---|---|
| UK | Drafted | 6.5, 17 | UK GDPR and UK Addendum; Children's Code; split-payment exception; UCTA liability; Online Safety Act; PECR; VAT |
| EU | Drafted | 7.6, 17, 20 | GDPR and SCCs; Digital Services Act; AI Act roles; Data Act switching; VAT |
| Australia | Drafted | 5.2, 15.4, 16, 17, 20 | Australian Consumer Law guarantees; unfair contract terms; Privacy Act 1988; Spam Act; GST |
| US | Drafted | 18, 19 (public institutions only) | COPPA and FERPA school-official language, state privacy laws, auto-renewal disclosure rules |
| India | Handled separately |