Last Updated: July 28, 2020 If we change the Customer Agreement in a way that reduces your rights or increases your responsibilities, we will provide you with 30 days’ prior notice by posting notice here. Your use of the Services following any changes to this Customer Agreement will constitute your acceptance of such changes. We may, at any time and without liability, modify or discontinue all or part of the Services (including access via any third-party links). charge, modify or waive certain fees related to the Services. or offer the Services, or certain of the Services, to some or all users. In order to use some or all of the Services, you must first open a Wise Account We may refuse to provide or may discontinue providing the Services to any person or entity at any time for any reason. You may only open one Wise Account unless we explicitly approve the opening of additional accounts. We may refuse the creation of duplicate accounts for the same user. Where duplicate accounts are detected, Wise may close or merge these duplicate accounts without notification to you. You, not Wise, are responsible for maintaining adequate security and control of any and all IDs, passwords, or any other details that you use to access your Wise Account and the Services. Contact Customer Support immediately if you believe your credentials have been compromised or you are suspicious about the security of your password or any other security features. Let Customer Support know immediately if your email address becomes compromised. If you open a Wise Account and use certain Services, federal law requires that we verify some of your information. You authorize Wise to make any inquiries we consider necessary to validate your identity. These may be made directly or through third parties, including checking commercial databases or credit reports. We may need to ask you for further information, requiring you to provide your date of birth, a taxpayer identification number and other information that will allow us to reasonably identify you. This could include requiring you to take steps to confirm ownership of your email address or financial instruments, ordering a credit report from a credit reporting agency, or verifying your information against third party databases or through other sources. &nbsp;We may also ask to see your driver’s license or other identifying documents at any time. You must not close your Wise Account to avoid an investigation. If you attempt to close your Wise Account during an investigation, we may hold your money until the investigation is fully completed. Wise, in its sole discretion, reserves the right to suspend or terminate this Customer Agreement, access to or use of its Service websites, software, systems (including any networks and servers used to provide any of the Services) operated by us or on our behalf or some or all of the Services for any reason and at any time upon notice to you If you do not log in to your Wise Account for two or more years, Wise may close your Wise Account and send your prepaid Borderless Account balance, if any, to your primary address or, if required, escheat (send) your prepaid Borderless Account balance to your state of residency. We neither control nor endorse, nor are we responsible for, any Third Party Materials, including the accuracy, validity, timeliness, completeness, reliability, integrity, quality, legality, usefulness or safety of Third Party Materials, or any intellectual property rights therein. Certain Third Party Materials may, among other things, be inaccurate, misleading or deceptive. Nothing in this Agreement shall be deemed to be a representation or warranty by us with respect to any Third Party Materials. We have no obligation to monitor Third Party Materials, and we may block or disable access to any Third Party Materials (in whole or part) through the Website or App at any time. In addition, the availability of any Third Party Materials through the Website or App does not imply our endorsement of, or our affiliation with, any provider of such Third Party Materials, nor does such availability create any legal relationship between you and any such provider. Your use of Third Party Materials is at your own risk and is subject to any additional terms, conditions and policies applicable to such Third Party Materials (such as terms of service or privacy policies of the providers of such Third Party Materials). In no event shall Wise be liable for lost profits or for any indirect, incidental, consequential, special, exemplary or punitive damages of any kind, under any contract, tort (including negligence), strict liability or other theory, including damages for loss of profits, use or data, loss of other intangibles, loss of business, loss of security of any information or other materials (including unauthorized interception by third parties of any information or other materials), even if advised in advance of the possibility of such damages or losses, however arising, including negligence, unless and to the extent prohibited by law. Except to the extent prohibited under applicable law, you agree to defend, indemnify and hold harmless Wise and its affiliates, and their respective successors and assigns, 

Summary:
There is a date of the last update of the agreements. [US] When the service wants to make a material change to its terms, you are notified at least 30 days in advance. [US] Instead of asking directly, this Service will assume your consent merely from your usage.. They may stop providing the service at any time. You must create an account to use this service. [US] They may stop providing the service at any time. Alternative accounts are not allowed. You are responsible for maintaining the security of your account and for the activities on your account. [US] You must report to the service any unauthorized use of your account or any breach of security. You must report to the service any unauthorized use of your account or any breach of security. [US] Your provided identifiable information is actively checked by the service. [US] You can’t close your account if an investigation is ongoing. [US] Your account can be deleted upon notice and without a reason. Your account can be suspended for several reasons. The service is not responsible for linked or (clearly) quoted content from third-party content providers. [US] This service assumes no liability for any losses or damages resulting from any matter relating to the service. [US] You agree to defend, indemnify, and hold the service harmless in case of a claim related to your use of the service.