Terms and Conditions

Last updated: November 1, 2026

1. Acceptance of These Terms

These Terms and Conditions ("Terms") govern your access to and use of wisechoicefinacial.org, operated under the WiseChoice Financials brand by Wise Choice Financial LLC ("WiseChoice," "we," "us" or "our").

By accessing this website or submitting an enquiry, you acknowledge that you have read and understood these Terms. If you do not agree, please discontinue use of the website.

2. About Our Services

WiseChoice Financials provides information about potential personal and business financing options and receives initial financing enquiries.

In the United States, financing enquiries may be considered by Wise Choice Financial LLC, subject to applicable authorisations, eligibility requirements and lending conditions.

For international enquiries, we may review whether an appropriate local financial partner is available. Such partners may independently conduct verification, assessment, underwriting, funding and repayment administration.

International financing is not guaranteed to be available in every country. Where financing is provided through a local partner, the relevant agreement is between the applicant and that partner, subject to applicable local law.

3. Website Information Is Not a Loan Offer

Information on this website is provided for general informational purposes. It does not constitute:

• A guarantee of loan approval or funding.
• A binding offer to lend money.
• A commitment to provide financing in any country.
• Personalised financial, legal or tax advice.
• A substitute for reviewing a formal financing agreement.

Any financing proposal is subject to a separate assessment, applicable documentation and the execution of the relevant agreement by the authorised lending party.

4. Eligibility and Application Assessment

Applicants must provide accurate and complete information when submitting an enquiry. Eligibility may depend on factors including:

• Applicant identity and legal capacity.
• Country of residence or business registration.
• Financing purpose and requested amount.
• Relevant financial and business circumstances.
• Verification and documentation requirements.
• Applicable legal and regulatory requirements.

We may request additional information if an enquiry progresses. We may also decline to progress an enquiry where requirements cannot be satisfied.

5. Accuracy of Information

You agree that information submitted through our website is accurate, current and complete to the best of your knowledge. You must not impersonate another person, submit misleading information or use the website for fraudulent or unlawful purposes.

You are responsible for notifying us if information you have submitted changes or is discovered to be inaccurate.

6. Financing Amounts, Rates and Costs

Advertised financing amounts and starting rates are indicative and subject to product availability, assessment, eligibility, jurisdiction and applicable lending conditions.

A displayed starting interest rate of 5.2% is not a representation that every applicant or financing product will qualify for that rate. Actual rates and terms may differ.

A due diligence and underwriting fee may apply. The amount and timing depend on the relevant financing terms and jurisdiction. Where applicable, the fee may be payable following conditional approval or before disbursement, and may be deducted from the financing principal.

If a fee has been paid and an application is subsequently declined, any applicable refund will be handled according to the disclosed terms. International bank transfer charges may be deducted, subject to a maximum deduction of USD $10 where that arrangement applies.

Late payment fees may apply under the relevant financing agreement. Early repayment penalties are not charged under the financing arrangements described by WiseChoice, subject to the terms of the applicable agreement.

All applicable interest, fees, charges, repayment obligations and other material conditions should be disclosed in the relevant financing documentation before you accept an offer.

7. International Financing

International enquiries may be referred to or reviewed with local financial partners where appropriate. The availability of financing, applicable currency, interest rates, fees, repayment schedule and eligibility requirements may differ by country.

Any local partner involved is responsible for its own financing agreement, lending decisions, funding arrangements and applicable regulatory obligations. You should review the partner's terms and privacy information before entering into an agreement.

8. Privacy and Personal Information

Information submitted through this website is handled in accordance with our Privacy Policy. By submitting an enquiry, you acknowledge that we need to process the information you provide to review and respond to that enquiry.

Where an international enquiry requires local partner assessment, relevant information may be shared as explained in the Privacy Policy.

9. Prohibited Website Use

You must not:

• Use the website for unlawful, fraudulent or deceptive purposes.
• Submit false, misleading or unauthorised information.
• Attempt to gain unauthorised access to website systems.
• Introduce malicious software, harmful code or automated abuse.
• Interfere with the website's operation or security.
• Copy or misuse website content in violation of applicable rights.

10. Intellectual Property

Unless otherwise stated, the website's text, design, graphics, branding, logos and other content are owned by or used under licence by WiseChoice Financials. You may access and use the content for personal, non-commercial informational purposes.

You must not reproduce, distribute, modify or commercially exploit website content without prior written permission, except where permitted by law.

11. Third-Party Services and Links

This website may contain links to third-party websites or services. These are provided for convenience only. We do not control and are not responsible for the content, availability, security or practices of external services.

12. Website Availability

We aim to keep the website available and functioning properly, but uninterrupted access cannot be guaranteed. We may modify, suspend or discontinue website features for maintenance, security, operational or other reasons.

13. Limitation of Liability

To the extent permitted by applicable law, WiseChoice Financials is not responsible for losses arising from reliance on general website information, temporary website interruptions, third-party services or unauthorised access beyond reasonable control.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by law, including any rights that cannot legally be waived.

14. Indemnity

To the extent permitted by law, you agree to be responsible for losses or claims arising directly from your unlawful use of the website, deliberate misrepresentation or violation of these Terms.

15. Changes to These Terms

We may revise these Terms to reflect changes in our services, website operations or applicable requirements. Updated Terms will be published on this page with a revised date. Continued use of the website after publication constitutes acceptance of the updated Terms to the extent permitted by law.

16. Governing Law

These Terms are intended to operate subject to applicable laws and consumer protections. The law governing a particular financing agreement may differ according to the lending party, applicant location and relevant jurisdiction. Nothing in this section removes mandatory rights or protections available under applicable law.

17. Contact Information