Last updated: July 2nd, 2024

Acceptable Use

1. This agreement and you

2. Restricted activities

  • in any way that breaches any applicable local, national, or international law or regulation, or causes Wise to breach any applicable law or regulation;
  • in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
  • for the purpose of harming or attempting to harm minors in any way;
  • for anything that is abusive, harmful, or does not comply with our content standards;
  • for any unsolicited or unauthorised advertising, promotional material, or any other form of spam;
  • to deal in harmful programs such as viruses, spyware, or similar computer code designed to adversely affect the operation of any computer software or hardware;
  • in any way that would locally or internationally evade any applicable taxes or facilitate tax evasion.
  • Adult content.
  • Pornography and other visual content depicting explicitly sexual acts.
  • Services of sexual nature (webcam shows, live chats, prostitution, escorts, etc).
  • Sexually oriented establishments (massage parlors, strip clubs, gentleman’s clubs).
  • Alcohol businesses.
  • Payments for the sale of alcohol to retail customers are not supported.
  • Tobacco products.
  • Cannabis.
  • Products containing CBD.
  • Any other products or services related to legal marijuana trade.
  • Certain controlled substances or other products that present a risk to consumer safety.
  • Smart drugs, nootropic supplements.
  • Substances that provide similar effects as illegal drugs (kratom, khat, etc.)
  • Anabolic steroids and peptides.
  • Drug paraphernalia.
  • Any equipment, product, or material which is intended for making, using, or concealing drugs
  • Pharmaceuticals.
  • Nutraceuticals, pseudo-pharmaceuticals, and other products which make unreasonable health claims not approved or verified by the applicable regulatory body.
  • Online pharmacies.
  • Prescription-only pharmaceutical drugs.
  • Payments for the sale of pharmaceutical products to retail customers are not supported.
  • Chemicals.
  • Commodity chemicals.
  • Counterfeit or unauthorised goods.
  • Unauthorised sale of designer and/or brand products.
  • Sale of illegally imported or exported goods.
  • Gambling.
  • Lotteries.
  • Fantasy sports with cash prizes.
  • Games of chance with cash prizes.
  • Sales of in-game currencies by unauthorised vendors.
  • Any type of gambling payments or businesses related to Turkey, the United States, Canada, the United Arab Emirates or Singapore.
  • Any other type of businesses related to gambling, up to Wise’s own discretion.
  • Intellectual property or proprietary rights infringement.
  • Any product or service that directly infringes or facilitates infringement upon the copyright, patent, trademark, trade secrets, proprietary, or privacy rights of any third party.
  • Products and services which are not legal in the jurisdiction they are being offered in.
  • Binary options.
  • Escrow services.
  • Using a Unit-e account as an escrow account.
  • Including payments for the purpose of purchasing cryptocurrencies.
  • Marketplaces from countries outside of European Economic Area and/or European Union or the United States.
  • Money service businesses, or any businesses that carry on the activity of:
  • Operating a bureau de change or currency exchange service.
  • Transmitting money, or any representation of monetary value, on behalf of third parties.
  • Cashing cheques.
  • Payment processing.
  • Platforms allowing the trading and/or exchanging of FX/CFD/options.
  • Shell banks.
  • Superannuation funds.
  • Syndicates.
  • Opening accounts on behalf of other businesses.
  • Offshore company formation.
  • Using nominee directors and/or shareholders to obscure company ownership.
  • Any other financial services operating without a licence where one is required.
  • IPTV and VOIP services.
  • Individuals, entities, or countries subject to international sanctions.
  • Weaponry, military and semi-military goods and services.
  • Weapons (including weapons of historic significance), military software, or any other goods or services intended for military use.
  • Nonprofit organisations and charities from countries outside of Canada, European Economic Area and/or European Union, Switzerland, USA, Australia, or New Zealand.
  • Unregistered charities are not supported from any regions.
  • Trusts and foundations from countries outside of Canada, European Economic Area and/or European Union, Switzerland, USA, Australia, or New Zealand.
  • Trade of restricted and/or endangered animal species and products derived from them.
  • Multi-level marketing, pyramid schemes, get rich quick schemes, referral marketing.
  • Including any other services promising unreasonably high rewards.
  • The United Arab Emirates-based oil, gas and shipping companies, as well as related activities.
  • Businesses with relations or activity directly or indirectly linked to Cuba
  • Surrogacy businesses.
  • Currency-based restrictions as outlined in various FAQ pages.
  • not to copy or use any part of our Services in contravention of the provisions of our User Agreement.
  • not to access without authority, interfere with, damage, or disrupt:
  • any part of our Services;
  • any equipment or network on which our Website is stored;
  • any software used in the provision of our Services;
  • any equipment, network, or software owned or used by any third party.
  • not to use your Unit-e Account in a manner that is likely to result in complaints, disputes, reversals, chargebacks, or other liabilities to Wise, other Customers, third parties, or you.
  • receiving funds from an account specifically owned by you for the purpose of onward remittance or other use of our services
  • receiving your own salary and/or wages;
  • receiving payouts from e-commerce and freelancer platforms;
  • receiving payments from family, friends or other people you know for personal purposes;
  • receiving payments from your clients and other third parties for the purpose of business payments.

3. Content standards

  • be accurate;
  • be genuinely held (where they state opinions);
  • comply with applicable law in the Lithuania and in any country from which they are posted, or to which they relate.
  • contain any material which is defamatory;
  • contain any material which is obscene, offensive, hateful, or inflammatory;
  • promote sexually explicit material;
  • promote violence;
  • promote discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age;
  • infringe any copyright, database right, or trademark of any other person;
  • be likely to deceive any person;
  • be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence;
  • promote any illegal activity;
  • be abusive, threatening in any way, invade another’s privacy, or cause annoyance, inconvenience, or needless anxiety;
  • be likely to harass, upset, embarrass, alarm, or annoy any other person;
  • be used to impersonate any person, or to misrepresent your identity or affiliation with any person;
  • give the impression that they relate to Wise, if this is not the case;
  • advocate, promote, or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse.

4. Suspension and termination

  • immediate, temporary, or permanent withdrawal of your right to use our Services;
  • suspend or cancel your payment orders and take such other actions as we consider necessary;
  • immediate, temporary, or permanent removal of any posting or material uploaded by you;
  • issue of a warning;
  • legal action against you including proceedings for reimbursement of all costs on an “all expenses” basis;
  • reporting and disclosure of information to law enforcement authorities.

5. Changes to the Policy

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