Terms & Conditions
Terms & Conditions
Acceptance
What these Terms and Conditions cover. This document (“Terms and Conditions”) sets out the terms and conditions that govern the use of the information is provided by Wise Payments Limited (“Wise”, “we”, “our”, “us”) on the website www.exiap.ca (“Website”) to users of that service (“User”, “you”m “your”).
Other additional documents which apply to you. These Terms and Conditions along with our Privacy Policy, Cookie Policy, and any additional documentation provided to you by Wise form part of the agreement between you and us and apply to your use of the Website. In the event of any inconsistency between this document and other contracts or documents, exchanged and/or executed between you and us, these Terms and Conditions shall prevail.
You accept these Terms and Conditions. By visiting the Website you confirm that you accept and agree to these Terms and Conditions (including the additional documents referred to above). If you do not agree with these terms and conditions then you should leave the Website and immediately cease to use the Website.
Who we are
Our company information. Wise Payments Limited is a company incorporated under the laws of England and Wales with company number 07209813 ("Wise", "we", "us", or "our" as applicable).
Our UK Registered office. Our registered office is 6th Floor, TEA Building, 56 Shoreditch High Street, London, E1 6JJ, United Kingdom.
We are authorised by the FCA. We are an Electronic Money Institution authorised by the UK Financial Conduct Authority ("FCA") under the Electronic Money Regulations 2011 for the issuing of electronic money and providing payment services. Our FCA reference number is 900507.
How to contact us. You can contact us by email at [email protected]
Our services
Wise provides information about foreign exchange products and services through the Website (“Service”). We obtain quotes and compare certain foreign exchange products and services on the basis of criteria selected by you from options provided by us. The Website is a news site only and not a currency trading platform
The content on the Website is provided for general information only and is not intended as an exhaustive treatment of its subject. The foreign exchange products and services compared do not represent every product and service that is available in the market.
All information provided on the Website is factual information and does not consider your specific objectives, financial situation or needs. By continuing to use the Website, you acknowledge that any advice provided on the Website is general in nature and does not consider your personal objectives, circumstances or needs. You must consider your own objectives, circumstances or needs before making a decision to use the Website. You should consult with qualified professionals or specialists before taking, or refraining from, any action on the basis of the content on the Website. You understand that foreign exchange markets are extremely volatile and prices may change significantly within very short periods of time.
No offer. The listing of a foreign exchange product or service on the Website is only an invitation to treat and does not constitute an offer to enter into a legally binding contract with Wise or the provider of the foreign exchange product or service.
Relationships with providers
Except for Wise Payments Limited, Wise does not own or control any provider of foreign exchange products or services and is not owned or controlled by any such provider.
Commercial arrangements. We have commercial arrangements with a range of providers of foreign exchange products and services. The results of the Service are not affected by these commercial arrangements. In order to provide the Service to users for free we may charge a commission or service fee from providers listed on the Service.
Links to other websites. The Website provides links to websites:
(a) of providers of foreign exchange products and services;
(b) of third party advertisers; or
(c) that may otherwise be of interest to Users.
Wise may receive a commission or service fee from the operators of such websites.
We are not responsible for the content or accuracy of any website other than the Website.
We do not guarantee or warrant the performance of any foreign exchange provider.
Your Risks
Wise sources its data from foreign exchange providers and has taken reasonable steps to ensure that such data is accurate. There is a risk that the foreign exchange prices quoted on the Website may be inaccurate, not available to you, or available but with additional fees and charges.
We make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date, and DISCLAIM ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.
You agree that Wise will not be held responsible for any difference in the exchange rates, fees and contracts quoted on the Website, and the exchange rates, fees and contracts made available to you by the foreign exchange provider.
Some of the content posted on Exiap.ca Website has been commissioned by Us, but is the work of independent contractors. These contractors are not employees, workers, agents or partners of Wise and they do not hold themselves out as one. The information and content posted by these independent contractors have not been verified or approved by Us. The views expressed by these independent contractors on Exiap.ca do not represent our views.
Accessing the Website. We will try to make sure the Website is available to you when you need it. However, we do not guarantee or warrant that the Website will operate in an uninterrupted or error-free manner or is free of viruses or other harmful components. We may suspend, withdraw, discontinue or change all or any part of the Website without notice. We will not be liable to you if for any reason the Website is unavailable at any time or for any period. You are responsible for making all arrangements necessary for you to have access to the Website.
If you do not fully understand the risks associated with the Services, then you should not use the Website.
Your representations and warranties
You acknowledge that the Website is provided only for you to assess information about foreign exchange products and services that you may wish to use for your own personal or business purposes and for no other purposes. Information contained on the Website may not be sold or used for any unlawful or prohibited purpose.
You warrant that all information that you provided to us is true, correct, complete and not misleading.
You further represent and warrant to us that you:
have read and understood these Terms and Conditions;
understand that all information provided on the Website is factual information and does not consider your specific objectives, financial situation or needs;
have considered your objectives, financial situation and needs, and has formed the opinion that dealing in foreign exchange products is suitable for the your objectives, financial situation and needs, and have sought appropriate professional advice as is necessary;
acknowledge that neither Wise or any associated entity guarantees the rate of any foreign exchange contract or the performance of any foreign exchange provider;
will not use the services provided by Wise for any manner inconsistent with the purposes of the Website;
will not use the services provided by Wise to assist in a breach of any laws.
Money Laundering
You agree to comply with all applicable money laundering and counter terrorism financing laws, including, but not limited to, the requirement to obtain or provide satisfactory evidence of the identity of any person whom you may represent in any transaction entered into with Wise.
In certain cases all communications and information concerning the User held by Wise may be disclosed to and reviewed by law enforcement agencies and regulatory authorities.
Intellectual Property
Wise is the exclusive owner or exclusive licensee of all intellectual property rights in the Website (including design, layout, software, platform, comparison & ranking algorithms) and the content of the Website is subject to copyright, except where Website incorporates under licence certain intellectual property of foreign exchange service providers and other third parties.
The User may view, print, email or download pages of the Website for their personal use only.
Except to the extent provided by law, all copying, republication and modification of the Website is prohibited.
Information security
You are responsible for configuring your information technology, computer programmes and platform in order to access the Website. You should use your own virus protection software. We cannot guarantee that the Website will be free from bugs or viruses.
You must not misuse the Website. You must not misuse the Website by introducing viruses, trojans, worms, logic bombs or other materials which are malicious or technologically harmful. You must not attempt to gain unauthorised access to the Website, our servers, computers or databases. You must not attack the Website with any type of denial of service attack. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Website will cease immediately.
Indemnity
You indemnify and hold Wise and its affiliates, employees, contractors harmless from any and all liabilities, claims, costs, expenses and damages of any nature, including, but not limited to, reasonable legal fees and any fees and expenses incurred in connection with litigation, arising out of or relating to your negligence, mistake or wilful misconduct, the violation of any law or any provision of these Terms and Conditions by you.
You agree to promptly pay Wise for all damages, costs and expenses, including reasonable legal fees and expenses, incurred by Wise in the enforcement of any of the provisions of these Terms and Conditions.
The User’s obligations under this Clause shall survive the termination of these Terms and Conditions.
Limitation of Liability
Wise shall not be liable under any circumstances for any direct, indirect or consequential loss (including any loss of profits) incurred as a result of reliance on the Website information, advice or comparisons by you.
We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors; for fraud or fraudulent misrepresentation.
We are not liable for business losses. If you use our Services for any commercial or business purpose we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
We are not liable for technological attacks. We will not be liable for any loss or damage caused by a virus, or other technological attacks or harmful material that may infect your computer equipment, computer programmes, data or other proprietary material related to your use of the Website.
We are not liable for things which are outside of our control. We (and our affiliates) cannot be liable for our inability to deliver or delay as a result of things which are outside our control.
You are liable for breaking this Agreement or applicable laws. In the unlikely event of loss or claims or costs and expenses arising out of your breach of this Agreement, any applicable law or regulation and/or your use of our Services, you agree to compensate us and our affiliates and hold us harmless. This provision will continue after our relationship ends.
The limitation of liability under this Clause shall survive the termination of these Terms and Conditions.
Other important terms
Nobody else has any rights under these Terms and Conditions These Terms and Conditions are between you and us. No other person shall have any rights to enforce any of its terms. Neither of us will need to get the agreement of any other person in order to end or make any changes to these Terms and Conditions.
We may transfer these Terms and Conditions to someone else. We reserve the right to transfer, assign or novate these Terms and Conditions or any right or obligation under these Terms and Conditions at any time without your consent.
These Terms and Conditions may be amended by Wise at any time. The amended Terms and Conditions will be posted on the Website and will govern the User’s use of the Website from the time they are posted. The date of the last amendment will be displayed at the top of the Terms and Conditions. By using the Website the User agrees to be bound by the then current Terms and Conditions.
If a court finds part of these Terms and Conditions illegal, the rest will continue in force. Each of the paragraphs of these Terms and Conditions operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.
Even if we delay in enforcing these Terms and Conditions, we can still enforce it later. If we delay in asking you to do certain things or in taking action, it will not prevent us from taking steps against you at a later date.
These Terms and Conditions supersede any other previous agreements. These Terms and Conditions supersede and extinguishes all previous agreements between you and Wise, whether written or oral, relating to its subject matter.
These Terms and Conditions are made in the English language. Documents or communications in any other languages are for your convenience and only the English language version of them are official.
Which laws apply to these Terms and Conditions and where you may bring legal proceedings. These Terms and Conditions are governed by English law. Any dispute between you and us in connection to these Terms and Conditions should be brought in the courts of England and Wales.