Terms Of Services

Welcome to Wise Community! These Terms and Conditions (“Terms”) govern your use of our website, services, and membership platform (collectively, the “Services”). By registering, accessing, or using Wise Community, you agree to these Terms. If you do not agree, you must not use our Services.

1. Definitions

• Member refers to any individual who registers for, accesses, or uses the Services.
• Content refers to any text, images, media, or materials available through the Services, including both Wise Community content and user-generated content.
• Subscription means a paid membership plan granting access to premium features.
• User-Generated Content (UGC means any content uploaded, posted, or shared by Members within the community.

2. Eligibility

• You must be at least 18 years old (or the age of majority in your jurisdiction) to become a member.
• By registering, you represent and warrant that the information you provide is accurate and complete.

3. Membership and Accounts

• You are responsible for maintaining the confidentiality of your account login details.
• You may not share your account with others or use another member’s account.
• Wise Community reserves the right to suspend or terminate accounts that violate these Terms.

4. Community Guidelines

To maintain a respectful and safe environment, Members agree not to:

• Post unlawful, abusive, defamatory, discriminatory, or otherwise harmful content
• Harass, exploit, or intimidate other members.
• Share spam, advertisements, or self-promotion without prior authorization.
• Infringe upon intellectual property rights of Wise Community or others.

Violations may result in suspension or permanent removal from the community.

5. User-Generated Content (UGC)

• Members retain ownership of their UGC.
• By posting content, you grant Wise Community a non-exclusive, worldwide, royalty-free, transferable license to use, display, and distribute the content in connection with the Services.
• You are solely responsible for the content you share and must ensure you have the rights to post it.
• Wise Community reserves the right to remove content that violates these Terms.

6. Payments, Subscriptions, and Refunds

• Certain features of Wise Community require a paid membership.
• By purchasing a subscription, you authorize us (or our third-party providers) to process payments securely.
• Unless stated otherwise, fees are non-refundable.
• Subscriptions may auto-renew unless canceled before the renewal date.
• EU/UK Residents: In compliance with consumer protection laws, you may cancel within 14 days of purchase for a refund, unless you have already accessed the Services.

7. Intellectual Property

• All Wise Community content, including logos, branding, and platform materials, is owned by Wise Community or licensed to us.
• Members may not copy, reproduce, distribute, or create derivative works without prior written permission.

8. Third-Party Services & Links

• The Services may contain links to third-party websites or integrate with external platforms (e.g., payment processors, video services).
• Wise Community is not responsible for the content, practices, or policies of third-party services.

9. International Use & Compliance

• Wise Community operates under the laws of Australia / NSW, but Members are responsible for ensuring their use of the Services complies with local laws.
• Access to the Services may not be legal in certain jurisdictions, and Members use the Services at their own risk.

10. Export Control & Sanctions

Members agree not to use the Services in violation of international export control laws, trade restrictions, or sanctions regulations (including U.S. OFAC restrictions).

11. Disclaimers

• Wise Community provides content for educational and informational purposes only.
• We do not provide legal, financial, medical, or professional advice.
• The Services are provided “as is” and “as available,” without warranties of any kind.

12. Limitation of Liability

• Wise Community shall not be liable for any indirect, incidental, or consequential damages arising from use of the Services.
• We do not guarantee uninterrupted or error-free operation of the platform.

13. Indemnification

You agree to indemnify and hold Wise Community, its affiliates, and staff harmless from any claims, damages, liabilities, or expenses arising from:

• Your misuse of the Services,
• Your violation of these Terms, or
• Your infringement of third-party rights.

14. Dispute Resolution & Governing Law

You agree to indemnify and hold Wise Community, its affiliates, and staff harmless from any claims, damages, liabilities, or expenses arising from:

• These Terms are governed by and construed under the laws of Australia / NSW.
• Members agree to first attempt to resolve disputes informally by contacting us.
• If unresolved, disputes may be submitted to binding arbitration.

15. Force Majeure

Wise Community is not liable for delays or failures due to events beyond our reasonable control, including natural disasters, internet outages, strikes, or government actions.

16. Termination

We may suspend or terminate your account at any time, with or without notice, if you violate these Terms or engage in harmful conduct.

17. Privacy

Your use of Wise Community is also governed by our Privacy Policy .

18. Accessibility & Compliance

Wise Community is committed to making our platform accessible in line with global standards (including ADA, GDPR, and CCPA where applicable).

19. Severability & Waiver

• If any provision of these Terms is found invalid, the remaining provisions remain in effect.
• Failure to enforce any right or provision does not constitute a waiver of that right.

20. Changes to These Terms

We may update these Terms at any time. Continued use of the Services after changes are posted constitutes acceptance of the revised Terms.

21. Contact Us

For questions about these Terms, please contact us at: [email protected]