Terms & Conditions

Last Updated: March 13, 2026

Welcome to GetWise Inc. By accessing our website or using our services, you agree to be bound by these Terms & Conditions. Please read them carefully.

1. Acceptance of Terms

By using this website or submitting an application for financing, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions, as well as our Privacy Policy.

If you do not agree to these terms, you may not access or use our website or services.

2. Eligibility

Our services are available only to:

Individuals who are at least 18 years of age
Business entities legally authorized to enter into binding contracts
Applicants who meet our underwriting criteria

By using our services, you represent and warrant that you meet these eligibility requirements.

3. Loan Application Process

Submitting an application does not guarantee approval or the terms presented. All applications are subject to:

Verification of information provided
Credit evaluation and background checks
Underwriting review and approval
Compliance with applicable laws and regulations

We reserve the right to decline any application at our sole discretion. Approved applicants will receive formal loan documents outlining specific terms, rates, and conditions.

4. Fees and Charges

All fees, interest rates, and charges associated with our financing products will be clearly disclosed in your loan agreement. We do not charge application fees for initial inquiries.

You are responsible for:

All principal and interest payments as outlined in your agreement
Late fees if payments are not received by the due date
Any third-party costs (e.g., wire transfer fees, appraisal fees) if applicable

5. Repayment Terms

Repayment schedules, amounts, and methods will be detailed in your loan agreement. You agree to:

Make all payments on time according to the agreed schedule
Notify us immediately if you anticipate difficulty making payments
Maintain accurate contact and banking information

Failure to meet repayment obligations may result in late fees, collection activities, and negative credit reporting.

6. SMS Terms & Conditions

By providing your mobile phone number and consenting to receive text messages, you agree to receive SMS communications from GetWise Inc via an automatic telephone dialing system (ATDS) for informational and service-related purposes.

Message Frequency: Message frequency may vary based on your inquiry, application status, and our communication needs.

Message and Data Rates: Message and data rates may apply according to your mobile carrier's plan. Standard messaging rates from your wireless provider will apply.

Opt-Out: You may opt out of receiving text messages at any time by replying STOP to any message. You will receive a confirmation message, and no further messages will be sent unless you re-subscribe.

Help: For assistance, reply HELP to any message or contact us at tony@get-wise-cap.com.

Consent is NOT a Condition of Purchase: Your consent to receive text messages is not required as a condition of purchasing any goods or services from GetWise Inc. You may contact us through other channels.

Carrier Compatibility: Compatible carriers include AT&T, T-Mobile, Verizon, Sprint, and other major U.S. carriers. Message delivery may vary by carrier.

Privacy: We respect your privacy. Your mobile number will not be sold or shared with third parties for marketing purposes. See our Privacy Policy for more details.

7. Use of Website

You agree to use our website only for lawful purposes. You may not:

Use automated systems (bots, scrapers) to access the site
Attempt to gain unauthorized access to our systems or data
Transmit malicious code or engage in any activity that disrupts the site
Misrepresent your identity or affiliation
Violate any applicable laws or regulations

We reserve the right to terminate or suspend access to our website for any user who violates these terms.

8. Intellectual Property

All content on this website—including text, graphics, logos, images, and software—is the property of GetWise Inc or our licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from our content without our express written permission.

9. Disclaimers

Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not guarantee:

Uninterrupted or error-free operation of the website
That defects will be corrected
That the site is free from viruses or harmful components

Information on this website is for general informational purposes and should not be considered financial or legal advice. Consult with qualified professionals for advice specific to your situation.

10. Limitation of Liability

To the fullest extent permitted by law, GetWise Inc and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

Your use of or inability to use our website or services
Any errors or omissions in content
Unauthorized access to or alteration of your data
Any third-party conduct or content on the website

11. Indemnification

You agree to indemnify, defend, and hold harmless GetWise Inc and its affiliates from any claims, liabilities, damages, losses, and expenses (including legal fees) arising from:

Your violation of these Terms & Conditions
Your violation of any law or the rights of a third party
Your use of our website or services

12. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of these external sites. Accessing third-party links is at your own risk.

13. Modifications to Terms

We reserve the right to modify these Terms & Conditions at any time. Changes will be effective immediately upon posting to this page with an updated "Last Updated" date.

Your continued use of the website after changes are posted constitutes acceptance of the revised terms.

14. Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.

Any disputes arising from these terms or your use of our services shall be resolved in the state or federal courts located in Los Angeles County, California.

15. Severability

If any provision of these Terms & Conditions is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

16. Entire Agreement

These Terms & Conditions, together with our Privacy Policy and any loan agreements you enter into, constitute the entire agreement between you and GetWise Inc regarding the use of our website and services.

17. Contact Information

If you have questions or concerns about these Terms & Conditions, please contact us:

GetWise Inc
5457 Lemona Ave
Sherman Oaks, CA 91411
Email: tony@get-wise-cap.com