business customer agreement

PT Wise Payments Indonesia

Last updated: 25 March 2026 - Version: 1.0

Go back If you are not a business, please see our Personal Customer Agreement

Welcome to Wise

This Customer Agreement applies to our products and Services. It describes the rights and obligations of you and us and forms a legally binding contract between you and Wise when you register and use our services such as sending money to third party businesses.

IMPORTANT THINGS TO KNOW

PT. Wise Payments Indonesia is not a bank or a stored value facility provider in Indonesia, and your Wise Profile is not a bank account or a stored value facility.
Under our Fund Transfer Operator licence (No. 21/304/DKI/B/14-001) by Bank Indonesia, we are authorised to provide money transfer services. We do not provide deposit services, physical money changing services, or issue or facilitate the issuance of stored value facilities.
You must agree to these terms to use our services. If you don’t agree you must not use our Services.
You can access and use our Services via our website or App or through social media, API or an authorised third party.
Our pricing page shows all our fees. You’ll always see our fees upfront.
There are certain types of business and transactions we do not support. These are known as ‘restricted activities’ and we tell you about them in our Acceptable Use Policy. You must read this carefully to make sure you do not carry out any of these activities. If you do, we may stop you from using our Services.
When you use our Money Transfer service you might be doing business with another Wise entity depending on the currency. These Wise entities and the currencies that apply are listed here.
Your Wise Profile is for your business use.
You must keep your security details safe and not allow anyone else to use our Services on your behalf, other than Authorised Users. Any use of our Services from your Wise Profile is deemed to be approved by you.
We might suspend your access to our Services if we think your profile might be compromised, you engage in a restricted activity or we believe you may have or will violate any applicable laws.
We hope you enjoy using Wise, but if you want to stop using our Services or close your Wise Profile you can contact Customer Support.
If you have a complaint about our Services, please follow our Customer Complaint Procedure.

1. About this Customer Agreement

1.1 This Business Customer Agreement is a contract between your Business (“you”) and PT. Wise Payments Indonesia (“Wise/us/we”) which defines the terms and conditions on which we provide our Services to you (the “Agreement”). Reference to 'you' includes any business entity we permit to set up a Wise Profile at any given time, which may include a freelancer, limited or public company, corporation, or partnership (as applicable).

1.2 This Agreement refers to and incorporates by reference additional documents (the “Additional Documents”), which also apply to your use of our Services, including:

(a) Our Acceptable Use Policy, which sets out the allowed and restricted uses of our Services.
(b) Our Pricing Page, which sets out our pricing and how it works.

You should read these along with our Privacy Policy

1.3 By using our Services, you confirm that you accept and agree to this Agreement in its most current form as posted on our Website, App or by an API Partner. If you do not agree, you must not use our Services.

1.4 When paying for a Money Transfer in a currency other than Indonesian Rupiah, you may be doing business with a different Wise entity as listed here. In those cases, your Money Transfer will be carried out in accordance with the regulations and licences applicable to such entity.

1.5 Where there are any differences between this Agreement, the Additional Documents or information we provide on our Website, App or via an API Partner, the terms in this Agreement will take priority.

1.6 To receive some of our Services, you may be asked to agree to additional terms and conditions which we will tell you about before you use that service.

1.7 How this Agreement applies to you. In order to use our Services, you must first open a Wise Profile by registering your details. As part of the signup process you will need to accept this Agreement.

1.8 Future changes. We may update this Agreement from time to time as set out in “Our right to make changes” at section 25. Any changes made to this Agreement will take effect as soon as the Agreement is on our Website and App or on the date notified to you.

1.9 You can always see the most current version of this Agreement on our Website. If you would like a copy of this Agreement, you can download it or contact Customer Support.

1.10 Governing Language. This Agreement is made in both English and Bahasa Indonesia languages. If there is any inconsistency or difference between the English and Bahasa Indonesia versions, the Bahasa Indonesia version will prevail.

2. Defined words in this Agreement

2.1 In this Agreement, capitalised words are defined in brackets within the Agreement or Additional Documents or have the meaning set out below:

API means the application programming interface provided by Wise, for example, through an API Partner.
API Partner means a business we have partnered with for Wise to offer our Services through their website, mobile application or similar.
App means our mobile application software, the data supplied with the software and the associated media.
APP Scam means an Authorised Push Payment scam.
Business means any business entity we permit to sign up with us at any given time, which may include a limited company, freelancer, limited or public company, corporation, or partnership as applicable.
Business Day means a day other than a Saturday, Sunday, or a public holiday in Indonesia when financial institutions in Indonesia are open for business.
Chargeback means the person sending you the money has made a claim to their bank or payment provider that money was sent to you illegitimately, or the payment to Wise fails due to insufficient funds, account closed or any other reason.
Indirect Tax means any tax imposed on the supply or consumption of goods and services that is collected by us from you as the customer. For the avoidance of doubt, this includes, but is not limited to, Goods and Services Tax (GST), Value Added Tax (VAT), and any other similar consumption tax.
Intellectual Property means (i) rights in, and in relation to, any trademarks, logos, patents, registered designs, design rights, copyright and related rights, moral rights, databases, domain names, utility models, and including registrations and applications for, and renewals or extensions of, such rights, and similar or equivalent rights or forms of protection in any part of the world; (ii) rights in the nature of unfair competition rights and to sue for passing off and for past infringement; and (iii) trade secrets, confidentiality and other proprietary rights, including rights to know how and other technical information.
Money Transfer means a direct transfer of funds paid by you, to a designated recipient, that is sent using Wise.
Reversal or Reversed means the funds received by you are reversed, returned, or clawed back for any reason. For example, due to insufficient funds or account closure.
Services means all products, services, content, features, technologies, or functions offered by us and all related websites, applications (including the App), and service models (including the Website and via an API Partner), and including the Money Transfer, currency conversion, and Wise business offerings.
Third Party Materials has the meaning given in section 20.
Website means any Wise webpage, including www.wise.com, where we provide the Services to you.
Wise Profile means your profile information when you register with Wise under an email address for your Business to use our Services. It is not a bank account, virtual account, nor a prepaid payment instrument.
Withholding Taxes means any tax, levy, duty, or other amount required by the law of any jurisdiction to be withheld or deducted by a payer from a payment made to a payee, where the payer is then required to remit such amount directly to a governmental or tax authority.

3. Who we are and how to contact us?

3.1 We are PT. Wise Payments Indonesia, a company incorporated under the laws of Indonesia with company number 022107270863 ("Wise", "we", "us", or "our" as applicable)

3.2 We are licensed by Bank Indonesia (No. 21/304/DKI/B/14-001) to conduct our operations as a Fund Transfer Operator, including to provide you money transfer services involving Indonesian Rupiah as the source currency.

3.3 Our registered office is WeWork Sinarmas Land Plaza Sudirman, Jl. Jend. Sudirman Kav.21, Setiabudi, Jakarta Selatan, DKI Jakarta, 12930, Indonesia. The office is not publicly open to you or other members of the public.

3.4 How to contact us. You can contact us by email, web chat or telephone by logging into your Wise Profile or through our Help Centre.

USING OUR SERVICES

4. Who Can Use Our Services?

4.1 Requirement. Your Business must be organised or registered in a country or territory that we support in order to use our Services.

4.2 One Wise Profile. Your Business may only be opened under one Wise Profile unless we explicitly approve otherwise. Where duplicate Wise Profiles are detected, Wise can close or merge these duplicate profiles without notifying you.

4.3 You must have authority to bind your Business. You must confirm that you in fact have authority to bind the Business on whose behalf you use our Services, and the Business accepts the terms of this Agreement. We may ask you at any time to provide proof of such authority. If you do not provide proof of authority that is acceptable to us, we may close or suspend the Wise Profile or Services held by your Business or deny you access. This may be in favour of others who can provide proof of such authority.

4.4 Authorised Users. You can authorise others to access or use our Services on behalf of a Business (but not by or on behalf of an individual) (an “Authorised User”). You acknowledge that if you provide such access to an Authorised User, we’ll deal with such Authorised User as if they were you for the purposes of this Agreement, such as sending money. You will be bound by anything done by any Authorised User, even if they do something that is outside the scope of the authority you gave them. You acknowledge that Wise will not be liable for any verification of the authority of your Authorised Users to act on behalf of your Business. You also acknowledge that we may disclose certain information about your Wise Profile to any Authorised User and that we are not responsible for your Authorised User’s use of that information. Granting permission to any Authorised User does not relieve you of your responsibilities under this Agreement, including notifying us if your Wise Profile has been compromised or if a transaction is suspected to be incorrect or unauthorised.

4.5 Disputes with Authorised Users. Disputes between you and an Authorised User relating to your Wise Profile or our Services are a matter between you and the Authorised User. You recognise that Wise is not a party to any claim or dispute between you and your Authorised Users. Because you are bound by the actions of Authorised Users, it’s very important that you choose Authorised Users carefully. We suggest you regularly reassess who can be an Authorised User and regularly review the activity undertaken by Authorised Users.

5. Getting Started

5.1 Using our Services. To start using our Services, you must create a Wise Profile and provide certain information about your Business as prompted by us.

5.2 Information must be accurate. All information you provide to us must be complete, accurate and truthful always. You must update this information whenever it changes. We cannot be responsible for any loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information and/or provide additional supporting documents.

5.3 Security and customer due diligence checks. We are required by law to conduct certain security and customer due diligence checks on you to provide any Services to you and allow you to have and maintain a Wise Profile. Sometimes, we might also need to perform checks on other parties involved in a particular transaction (for example, on your recipient).

5.4 Information requests. You agree to comply with any request from us for further information and provide such information in a format acceptable to us. In addition, you agree that we may make, directly or through any third party, any inquiries we consider necessary to validate the information you provided to us, including checking commercial databases or credit reports. You authorise us to obtain one or more of your credit reports, from time to time, to establish, update, or renew your Wise Profile with us or in the event of a dispute relating to this Agreement or our Services. You agree we may disclose certain information about your Business and Authorised Users, including relevant individuals’ names, residential addresses, and dates of birth to a credit reporting agency to obtain a credit report for these purposes.

5.5 Wise reserves the right to close, suspend, or limit access to your Wise Profile or the Services in the event we are unable to obtain or verify any information related to you or your transaction.

5.6 Wise may offer additional features from time to time, such as connections to third party accounting software. We may stop offering those at any time without prior notice to you.

6. Staying Safe While Using Our Services

6.1 We recommend you use the Services to send money to trusted and verified businesses and third parties that are known to you or that you have already done business with. You should be cautious when sending money to recipients you don’t know and have never dealt with before.

6.2 When accessing your Wise Profile, you should at the minimum do the following:

(a) Change your password regularly and ensure that it is not reused for other online accounts.
(b) Never share your login details with anyone else. This includes the membership number, password or other security credentials. If you suspect that your account may be accessed by someone else, contact Customer Support. We will never ask you for your password.
(c) Always use strong passwords, for example ones that use a mixture of letters, numbers, and symbols. Here is recommended guidance you can follow.
(d) Set up 2-step authentication, if applicable.
(e) Keep your email account secure. You may reset your password using your email address. Let Customer Support know immediately if your email account becomes compromised.
(f) Regularly update the App on your device to the latest version available.
(g) Regularly update your device’s browser to the latest version available.
(h) Maintain your device’s operating systems with regular security updates provided by the operating system provider.
(i) Install and maintain the latest anti-virus software on your device, where applicable.
(j) It is essential to ensure every time you are entering your Wise username and password that it is only ever on our official App (downloaded from the iOS or Android store) or if via a browser, at wise.com. Emails and SMS messages sent by fraudsters may lead to fake login portals that could phish your login information and 2-step authentication details. Similarly, criminals can place malicious adverts on search engines that lead to fake websites of trusted businesses, including Wise. More information on how to avoid falling for phishing scams can be found on our website here.
(k) If you suspect you have become a victim of a scam, contact our Customer Support.
(l) You must make all reasonable efforts to secure any record of your password including keeping the record in a secure electronic or physical location accessible or known only to you, or in a place where the record is unlikely to be found by a third party.

6.3 You must NOT:

(a) Disclose your login credentials or your 2-step authentication details to anyone. You must keep them safe. For example, you should not voluntarily disclose your Wise Profile password to a third party.
(b) Disclose your Wise Profile password in a recognisable way for any Wise Profile, on any device or App.
(c) Let anyone access your Wise Profile, or watch you accessing it, including letting someone else take remote control of your device(s).
(d) Keep a record of your login details or passwords in a way that allows any third party to misuse or obtain the password to your Wise Profile. For example, you should not use any functionality that allows your login details or passwords to be stored by the computer or browser you are using or to be cached or otherwise recorded.
(e) Do anything which may in any way avoid or compromise the 2-step authentication process.

6.4 Contact us if you suspect your Wise Profile has been compromised. If you suspect your Wise Profile or other login credentials are stolen, lost, used without your authorisation, or otherwise compromised, you must contact Customer Support immediately. We recommend that you both call and email Customer Support right away.

6.5 Any delays in notifying us of a compromised account, may affect the security of your account and result in losses that you would be responsible for. You must provide us with any reasonable assistance we require from you to investigate and take any action required to secure your account.

6.6 Extra Services you use may have additional security requirements and you must familiarise yourself with those.

6.7 You are responsible for ensuring that your information technology, computer programmes and platform is configured to access our Services. We cannot guarantee that our Services will be free from bugs or viruses.

7. Limits on How You Can Use Our Services

7.1 Business purposes. You may only use our Services for business purposes. If you require a product or Service dedicated to your personal activities, please refer to our Customer Agreement for Personal Customers

7.2 You must not misuse our systems. You must not misuse our systems by:

(a) Introducing viruses, trojans, worms, logic bombs or other materials which are malicious or technologically harmful.
(b) Taking any action that imposes an unreasonable or disproportionately large load on our websites, software, systems (including any networks and servers used to provide any of the Services) operated by us or on our behalf, or attacking our Website, App or API with any type of denial-of-service attack.
(c) Using an anonymizing proxy; use any robot, spider, other automatic device, or manual process to monitor or copy our websites without our prior written permission; or use any device, software, or routine to bypass our robot exclusion headers.
(d) Interfering, disrupting, or attempting to interfere or to gain unauthorised access to our Website, software, API, systems (including any networks and servers used to provide any of the Wise Services) operated by us or on our behalf, any of the Wise Services or other users’ use of any of the Wise Services.

7.3 You must not misuse our Services. You must not misuse our Services by:

(a) Breaching this Agreement, Additional Document, or any other agreement between you and any Wise entity.
(b) Violating any law, statute, ordinance, or regulation (for example, those governing financial services, consumer protections, unfair competition, anti-discrimination, or false advertising).
(c) Infringing Wise’s Intellectual Property.
(d) Selling counterfeit goods.
(e) Acting in a manner that is defamatory, libellous, threatening or harassing.
(f) Providing false, inaccurate, or misleading information.
(g) Sending or receiving what we believe to be potentially fraudulently gained funds.
(h) Refusing to cooperate in an investigation or provide confirmation of your identity or any information requested by us.
(i) Attempting to “double dip” during a dispute or claim by receiving or attempting to receive funds from both Wise and a third party (e.g., a merchant), bank or card issuer for the same transaction.
(j) Using Wise’s Services in a manner that results in or may result in:
i. complaints to or about Wise.
ii. requests by third parties to invalidate payments made to you.
iii. fees, fines, penalties or other liability or losses to Wise, other Wise customers, third parties or you.
(k) Accessing the Wise Services from a country that Wise is not permitted to operate.
(l) Taking any action that may cause us to lose any of the services from our internet service providers, payment processors, or other suppliers or service providers.
(m) Circumventing this Agreement or any Additional Document or Wise policy or determinations about your Wise Profile such as temporary or indefinite suspensions or other account holds, limitations or restrictions, including, but not limited to, engaging in the following actions:
i. Attempting to open a new or additional Wise Profile(s) when a Wise Profile has been restricted, suspended, or otherwise limited.
ii. Opening new or additional Wise Profiles using information that is not yours (e.g., name, address, email address, etc.), or using someone else’s Wise Profile.
iii. Continuing to use or access our Services where your Business is no longer eligible or there's been a material change to your Business that affects your verification status with us.
iv. Harassing, being abusive towards and/or threatening our employees, agents, or other customers.
v. Abusing a card network dispute resolution process.

7.4 We may suspend your Wise Profile or your access to our Services. We may suspend your Wise Profile, or restrict its functionality if we have reasonable concerns about:

(a) the security of your Wise Account Profile.
(b) suspected unauthorised or fraudulent use of your Wise Profile or our Services; or
(c) suspected violations of this Agreement or the Additional Documents, including our Acceptable Use Policy

7.5 We will give you notice of any suspension or restriction and the reasons for such suspension or restriction as soon as we can, either before the suspension or restriction is put in place, or soon after, unless notifying you would be unlawful or compromise our reasonable security measures.

7.6 The actions we may take if you misuse our Services or systems. If we believe that any of the activities listed in this section 7 have been taken by you, we may take several actions to protect Wise, its customers and others, at any time and at our sole discretion. The actions we may take include, but are not limited to, the following:

(a) terminating this Agreement immediately.
(b) suspending your Wise Profile, during which time your Wise Profile will remain open but is not able to be operated or may be subject to restrictions, or you may not be able to use our Services, until we remove the suspension;
(c) closing your Wise Profile and terminating your access to our Services, which means your Wise Profile is deactivated and/or will not be available, without notice, and without penalty to us.
(d) reporting suspected breach of law, regulation, or criminal statute to the relevant law enforcement authorities, and we will cooperate with those authorities, including by disclosing your identity to them.
(e) refusing to provide our Services to you or your businesses or affiliates in the future.
(f) limiting your access to our Website, App, software, systems (including any networks and servers used to provide any of the Wise Services) operated by us or on our behalf, your Wise Profile or any of the Services, including restricting your ability to send money.
(g) holding the funds you receive if reasonably needed to protect against the risk of liability or if we reasonably believe you have violated our Acceptable Use Policy.
(h) contacting your bank, other impacted third parties, or law enforcement about your actions.
(i) updating inaccurate information, you provided us.
(j) taking legal action against you, including seeking damages and reimbursement for losses and fees.

7.7 Court Orders. If we are notified of a court order or other legal process (including garnishment or any equivalent process) affecting you, or if we otherwise believe we are required to do so in order to comply with court order, applicable law or regulatory requirements, we may be required to take certain actions, including holding payments, placing a reserve or limitation on your Wise Profile, or releasing your funds. We will decide, in our sole discretion, which action is required of us. Unless the court order, applicable law, regulatory requirement, or other legal process requires otherwise, we will attempt to notify you of these actions using the contact information that you have provided to us. We do not have an obligation to contest or appeal any court order or legal process involving you, your Wise Profile, or your use of our Services. When we implement a hold, reserve, or limitation because of a court order, applicable law, regulatory requirement or other legal process, the hold, reserve, or limitation may remain in place as long as reasonably necessary.

8. Closing your Wise Profile or stopping your use of Wise

8.1 You may stop using Wise and/or close your Wise Profile at any time. This Agreement continues until your Wise Profile is terminated. You may close your Wise Profile and/or end your ability to use our Services at any time by following the steps provided by us on our Website, App or via an API Partner.

8.2 When you may not close your Wise Profile. You must not close your Wise Profile to evade an investigation (either by Wise or an enforcement agency) or if you have a pending transaction or an open dispute or claim. If you attempt to do this, we may hold your money for a period that is reasonably necessary to protect our or a third party’s interest.

8.3 We may prevent your account from being closed or delete your profile if you owe us money or if your Wise Profile is subject to a hold, limitation, or reserve.

8.4 You are responsible for your Wise Profile after closure. You agree that you will continue to be responsible for all obligations related to your Wise Profile and your use of our Services, even after it is closed, or you have stopped using our Services. For example, if you owe money to Wise, you will remain responsible for paying us even after your Wise Profile is closed. For more information, see “What happens if you owe us money” at section 24.11.

8.5 We may end this Agreement at any time without giving any prior notice. We may terminate this Agreement and close your Wise Profile or any Services associated with it at any time for any or no reason. We will inform you when we exercise this right.

8.6 You cannot use the App if this Agreement ends. On termination for any reason all rights granted to you in connection with the App shall cease, you must immediately delete or remove the App from your devices.

9. How much will you pay?

9.1 Registering for Wise and/or opening a Wise Profile may incur a charge. You may incur a fee when you use parts of our Services such as requesting Account Details, sending money, converting currencies, pre-funding, or receiving payments.

9.2 You must pay our fees. We may not process your transaction(s) or provide any other Services to you until we have received the fees from you. Our fees do not include any fees that an API Partner, your bank, the recipient’s bank or other third party may separately charge.

9.3 You can see our fee structure on the Pricing page. The fees set out in our Pricing page will be applicable to you when you use our Services and forms part of this Agreement. We may charge you a variable fee during periods of potential heightened volatility or unpredictability in the foreign exchange market, as determined by Wise. We will let you know if this fee is applicable when you set up your order. It is important that you read and agree to these fees before you use our Services. We may make changes to our fees as set out in “Our right to make changes” at section 25.

9.4 API Partner fees. An API Partner may charge a fee for the convenience of using our Services via the API Partner. This fee is set by the API Partner and is separate to any fees charged by Wise for your transaction(s). Wise may collect this fee on behalf of an API Partner.

9.5 Taxes. You are responsible for any Taxes which may be due by you, because of your use of our Services. Subject to sections 9.6 and 9.7 below, it is your responsibility to collect, report and pay the correct Tax to the appropriate tax authority.

9.6 Indirect Tax applicability.

(a) Except as we may otherwise specify, all Services provided by us and the fees on these are exclusive of any applicable Indirect Taxes. Where any such Service provided by us is subject to Indirect Taxes, you agree to pay such Indirect Taxes to us in addition to our agreed fees, unless we notify you otherwise in writing.
(b) The Indirect Tax will be payable at the same time as the underlying fee, except where you have the legal responsibility to self account for such Indirect Taxes directly to a tax authority, and provided Wise has no obligations to collect any Indirect Tax in Indonesia or any other jurisdiction.

9.7 Withholding Taxes applicability. Except as we may otherwise specify, all Services provided by us and the fees on these are exclusive of any applicable Withholding Taxes. Where fees payable on any Service provided by us is subject to Withholding Taxes, you will pay such Withholding Taxes to the applicable tax authority and pay the full amount of such fees to us. However, in the event that Wise is responsible for remitting any Withholding Taxes to the tax authority directly, these will be charged to you in addition to the full amount of fees for the applicable Service.

YOUR WISE PROFILE

10. Information about your Wise Profile

10.1 About your Wise Profile:

(a) Your Wise Profile allows your Business to send and receive funds.
(b) Your Wise Profile is not a bank account or a stored value facility. The funds that we receive for your Wise Profile pending its transfer to you will not be considered a prepaid payment instrument or electronic money. It will not earn any interest or return.
(c) You may send and receive funds in the currencies that we support from time to time.
(d) You may not place a charge or other form of security over your Wise Profile.
(e) We may place certain limits on your Wise Profile depending on your Business type, registered address, verification status or other legal considerations. You can contact our Customer Support team for more information about these limits. We will determine your registered address on the basis of such evidence as we may determine.
(f) We may at our sole and absolute discretion reject a requested transaction, or refund a payment or other transaction, for any reason whatsoever, including without limitation, where the value of the transaction could directly or indirectly exceed any value permitted under the applicable laws and regulations or any other regulatory or risk limit prescribed for your Wise Profile.

10.2 Transaction history is displayed on your Wise Profile. All your transactions (including funds you have received, sent and/or withdrawn), related fees and exchange rates, if applicable, are recorded in the statement section of your Wise Profile.

10.3 Statements You have the right to request a physical account statement showing your Wise Profile activity by contacting Customer Support. You may view your Wise Profile statement by logging into your Wise Profile. You may be able to view your Wise Profile in a way that some of your transactions are hidden. This is to allow you to isolate transactions from recipients to determine your spending with those recipients. You will need to readjust your viewing preferences if you have used this feature to see all transactions.

10.4 Check your Wise Profile regularly. You must check your Wise Profile regularly and carefully and contact our Customer Support team immediately if you don’t recognise a transaction or think we have made a payment incorrectly. You must tell us about any unauthorised or incorrectly executed transactions immediately.

RECEIVING MONEY

11. Receiving Money

11.1 Receiving Money In certain currencies, you may create a payment link to receive money from a third party ("Request Money") or we may provide you with local account details (“Account Details”). The Account Details that we provide to you are only a means for Wise to receive funds on your behalf from third parties into a bank account held by Wise and its affiliates, before Wise makes a further transfer of such funds in Indonesian Rupiah (IDR) to your designated external bank account as set out in section 12 below. The Account Details are not a bank account number for a bank account held by you.

11.2 We may carry out verification checks when you request Account Details in addition to the checks required to open your Wise Profile, and we may carry out further checks on an ad-hoc basis. From time to time your Account Details may change. When this occurs, we will notify you, and you are responsible for updating third parties and other arrangements where you may be using your Account Details to receive funds. Wise is not responsible for issues that arise when Account Details are changed, and it is your responsibility to notify third parties that your Account Details have changed.

11.3 Using Payment Links to receive money. You can create a payment link when requesting a payment from a third party. This feature allows a third party to send you money via a number of available methods which may include credit/debit cards, their Wise Profile, bank transfer or open banking. When using open banking, your Wise account details and requested amount are pre-populated for the third party. Wise is not responsible for issues that arise when changes are made by the third-party to the pre-populated details including the payment amount.

11.4 When money received is shown in your Wise Profile transaction history. Any money you receive will be recorded in your transaction history. You should check and confirm the receipt of incoming funds regularly and let us know if there are any irregularities or discrepancies. For clarity, when funds are sent to you, we are the recipient of those funds. This means the bank or payment service provider that sends the funds to us is the one responsible for making sure we receive them so that we can transfer the funds in Indonesian Rupiah (IDR) to your designated external bank account.

12. Transfers to your Designated External Bank Account

12.1 When we receive money as set out in section 11, and subject to the provisions of this Agreement (including without limitation, our right to suspend, restrict, or hold funds under section 8 and section 13), we will automatically:

(a) convert any funds received in a currency other than Indonesian Rupiah into Indonesian Rupiah (IDR); and
(b) transfer the Indonesian Rupiah (IDR) funds to your designated external bank account.

Conversions of funds received in other currencies to Indonesian Rupiah (IDR) will be completed using Wise’s exchange rate at the relevant time for the relevant currency pair (for example, GBP to IDR, USD to IDR). This is usually the mid-market exchange rate provided by a reference rate provider, which we may change without notice to you. For certain currencies, we do not use the mid-market exchange rate, including where we are required by law to use a different reference rate for the exchange rate for your currency pair. For these currencies we will notify you of the exchange rate offered by Wise when the currency conversion is initiated.

12.2 You must provide correct information to us. When setting up the designated bank account, you must ensure that the information you provide is correct and complete. We will not be responsible for money sent to the wrong recipient because of incorrect information provided by you.

12.3 What happens if you provide incorrect recipient information. If you have provided incorrect information to us, we may, but are not required to, assist you in recovering your funds. We cannot guarantee that such efforts will be successful as they rely on the policies and practices of other banks and institutions. In addition, Wise may not be able to confirm that your recipient’s name and account number match, as the names and other information associated with third party accounts may not be known to Wise. This means that if you provide an incorrect account number, your funds will most likely go to the wrong account.

12.4 Your Wise Profile may be subject to limits. If the transaction exceeds any applicable limits, we may: (a) decline the transaction; (b) require you to provide additional documents to us so that we can carry out additional checks before processing the transaction; or (c) take any other action as we consider appropriate in our sole discretion.

12.5 Delay. We may delay the transfer of funds to the designated bank account in certain situations, including if we need to complete verification checks, or if other payments to your Wise Profile have been reversed (for example, because of a chargeback or Reversal). We cannot be held responsible for any such delays, provided that we have acted reasonably in delaying the transaction.

12.6 Finality. Pay-outs and currency conversions or other transactions executed by us are final and irrevocable, unless otherwise provided in this Agreement or pursuant to applicable law.

13. Reversals and Chargebacks

13.1 Funds received may be subject to Reversal or chargeback. Funds received through your Account Details could be Reversed or subject to a chargeback, which means that you will not get those funds transferred to your external bank account. A Reversal or chargeback may occur where the funds received are Reversed by Wise or Reversed to or subject to a chargeback by the person paying you the money or the payment provider.

13.2 When a Reversal or chargeback may happen. You may be liable for and/or have funds reversed or be subject to a chargeback when, without limitation, we have reason to believe:

(a) Wise, or any other party, sent the amount received to you in error.
(b) The amount received was unauthorised or fraudulently undertaken or induced.
(c) The amount received was received for activities that appear to have violated a law, this Agreement, the Acceptable Use Policy, or any other agreement between you and Wise.
(d) The amount received is, for any reason, reversed by the sender or a payment provider.
(e) Any other error that may result in your Wise Profile being credited in circumstances where you are not the lawful recipient and/or lawfully entitled to retain the amount received.

You promise to repay Wise if you owe Wise money for any reason, including because of a chargeback, Reversal, deduction of fees, any other error, or any other action. If you owe any money to Wise, you must repay the amount owed immediately without any notice from us. We may send you reminders or take other actions to recover the amount owed from you, for example, we may use a debt collection service or take further legal actions. We may charge you for any costs we may incur as a result of these collection efforts. For more information, see “What happens if you owe us money” at section 24.11.

MONEY TRANSFERS

14. Sending money

14.1 Information you need to provide to set up a Money Transfer. To set up a Money Transfer, you will need to provide certain information to us, including, but not limited to, the full name of your recipient, your recipient’s bank account details or their Wise Profile information and the amount and currency that you are sending. When creating a Money Transfer using Indonesian Rupiah as the source currency you also agree to the IDR Authorisation under section 17 below.

14.2 You will need to sign into your Wise Profile using all relevant passwords and prompts to carry out a Money Transfer transaction. We will view your use of all relevant passwords and prompts as the giving of your consent to us to make a Money Transfer.

14.3 Payment order limits. In accordance with Bank Indonesia Regulation Number 6 of 2024 concerning the Money Market and Foreign Exchange, Wise and/or its partners may impose a limit on purchasing foreign currency using Indonesian Rupiah or sending money using Indonesian Rupiah as the source currency. You can find more information about the limit that Wise applies to your remittance transaction in the Help Centre. If you exceed this limit, you may be required to provide us with additional documents, including documentation relating to relevant transactions and any other supporting documents we may request.

14.4 Remember when you use our Money Transfer services you might be doing business with another Wise entity depending on the currency you are sending. You will be subject to that entity’s customer agreement for that Money Transfer.

15. Paying for Your Money Transfer

15.1 How to pay for your Money Transfer. To pay for your Money Transfer, you need to access your Wise profile, by logging in on our Website or App or via an API Partner, and follow the steps provided.

15.2 Payment methods. You may be presented with one or more methods of paying for a Money Transfer. The number of payment methods made available to you will depend on a few factors including where you live and your verification status with us. We cannot guarantee the availability of a particular payment method and we may change or stop offering a payment method at any time without notice to you.

15.3 Payment instruments must be in your name. Any payment instrument (for example, the bank account from which you make a transfer) you use to pay for a Money Transfer must be in your name.

15.4 You need to provide us with sufficient funds, after you set up your Money Transfer, before we can process it. We are not responsible for the funds you have sent us until we have actually received them. We may only process your Money Transfer if we hold or have received sufficient cleared funds in accordance with this Agreement and the instructions provided. If you send us funds before finalising a Money Transfer order, we will attempt to return them to you in accordance with applicable laws if the Money Transfer order cannot be completed. It is your responsibility to fund your Money Transfer in a timely manner. We cannot be responsible for the time it takes for the money to be sent to us by your or a third party’s bank or payment service provider.

16. Processing your Money Transfer

16.1 When we will complete your Money Transfer. We will complete your Money Transfer once we have received your funds.

16.2 Guaranteed rates. We may provide you with a guaranteed foreign exchange rate for a period. We will notify you of the guaranteed rate and the period during which we are offering that rate (the “Guaranteed Period”) when you create your Money Transfer.

16.3 Guaranteed Periods are subject to the following conditions:

(a) The Guaranteed Period may be extended if your Money Transfer is created over the weekend or on a public holiday.
(b) We must receive sufficient funds from you during the Guaranteed Period to convert your funds at the guaranteed rate. You can use the Wise App or Website to see the status of the Money Transfer, including when we receive your funds. Wise is not responsible for the failure of a third party to send your funds to us in a timely manner.
(c) If we receive your funds after the Guaranteed Period, we will not be able to convert your money using the guaranteed rate and your transfer will become a non-guaranteed rate transfer. Accordingly, we may convert your money at the applicable exchange rate at the time we receive your money, or we may email you and ask you if you want to proceed with your transfer at the new exchange rate.
(d) If the Wise exchange rate changes by 5% or more during the Guaranteed Period, we can, at our discretion, suspend your transfer for a reasonable period or cancel your transfer and refund the money to you.
(e) For certain currencies, the guaranteed rate will only be offered after your identity has been verified by us.
(f) We may change these guaranteed rate conditions or suspend the guaranteed rate feature at any time.

16.4 The Wise exchange rates. We will confirm the available exchange rate (if applicable) for your Money Transfer:

(a) when you place your Money Transfer, if it is a guaranteed rate Money Transfer; or
(b) when we have received your payment, if it is a non-guaranteed rate Money Transfer.

16.5 When we receive your request. Your Money Transfer request may be subject to an applicable cut-off time. If this is the case, and your Money Transfer request is received after the applicable cut-off time on a Business Day or on a day that is not a Business Day (e.g., a weekend or bank holiday), your Money Transfer will be deemed received on the following Business Day.

16.6 What happens after you have submitted your Money Transfer request. Once we have received your Money Transfer request, we will provide you with a unique transaction number. You should quote this number when communicating with us about a particular Money Transfer or other transaction.

16.7 Sending money using an email address. If you send money to a person using an email address which is not registered with us, the money will not be credited until the intended recipient has claimed the money by following the steps set out for them in an email that they will receive. Until that process is successfully completed, there is no relationship between us and the intended recipient and the money continues to belong to you. We will contact you for further instructions if the intended recipient does not claim the money by such time period as determined by us subject to applicable laws and regulations, and we may refund the money to you if the intended recipient does not claim the money or if they have failed our recipient checks within a reasonable period as determined by us, subject to applicable laws and regulations.

16.8 Delay in transfer. We may delay processing a Money Transfer in certain situations, including if we need to confirm that the transaction has been authorised by you, because of verification checks or due diligence reviews, or if you owe us money because other payments you received have been reversed (for example, because of a Chargeback or Reversal). Wise is not responsible for such delays, where we have acted reasonably.

16.9 Completion time of your Money Transfer. The estimated completion time of your Money Transfer will be provided to you when setting up your Money Transfer.

16.10 We will use reasonable efforts to ensure funds arrive at your recipient’s account within the timeframe provided. We will use reasonable efforts to ensure that the funds arrive in the recipient’s bank account or payment account within the notified timeframe provided to you. We do not have any control over the time it may take for the recipient’s bank or payment provider to credit and make available funds to the recipient.

16.11 Refusal of your Money Transfer. If we are unable to complete your Money Transfer, we will let you know and, when possible, the reasons for the refusal and an explanation of how to correct any factual errors. However, we are not required to notify you if such notification would be unlawful.

16.12 You may cancel your Money Transfer before your funds are converted. You may cancel your Money Transfer by following the instructions set out in our Help Centre. You cannot cancel your Money Transfer once your funds have been converted and transfer initiated. We will return the deposit to your bank account from which the transfer originated. In the event that we are unable to return the deposit, then we will contact you using the most current contact information that you have provided to us.

16.13 When will I be notified of my scheduled Money Transfer? If you have scheduled a Money Transfer in advance then we will notify you 24 hours before your upcoming Money Transfer, setting out the total fees and the estimated exchange rate for that Money Transfer. By scheduling a Money Transfer, you agree to Wise sending the funds using the exchange rate at any time on the scheduled date. If you have opted in to receiving confirmation emails, we will send you a Money Transfer receipt after successfully sending your scheduled Money Transfer.

16.14 You must ensure the information you provide to us is correct. You must make sure that the information you provide when setting up a Money Transfer is accurate. If we have processed your order in accordance with the information you have provided to us it will be considered correctly completed even if you have made a mistake.

16.15 What happens if you provide us with incorrect information? If you have provided incorrect information to us, we may, but are not required to, assist you in recovering your funds. We cannot guarantee that such efforts will be successful as they rely on the policies and practices of other banks and institutions. In addition, Wise may not be able to confirm that your recipient’s name and account number match, as the names and other information associated with third party accounts may not be known to Wise. This means that if you provide an incorrect account number, your funds will most likely go to the wrong account.

16.18 Finality. When you make a Money Transfer, the settlement and payout to the recipient are final and irrevocable unless otherwise provided in this Agreement or pursuant to applicable law.

17. IDR Authorisation

This section sets out the terms in relation to any transfer from Indonesian Rupiah. By making any such transfer, you are making the following authorisation and declaration:

By continuing, I authorise this transfer on the terms set out below.

Authorisation

I, declare that I:

(1) authorise PT. WISE PAYMENTS INDONESIA and its remittance partners to carry out foreign exchange services on my behalf;
(2) will not purchase or remit any funds exceeding the limit indicated in section 14.3, but if I do I will comply with point (3), below;
(3) am wholly responsible for the authenticity and accuracy of any underlying transfer documents that I need to provide as stipulated in Bank Indonesia Regulation Number 6 of 2024 concerning the Money Market and Foreign Exchange, and will not purchase foreign currency using Indonesian Rupiah exceeding the nominal amount mentioned in the underlying documents;
(4) by creating and logging into my Wise Profile, I acknowledge and will comply with this IDR Authorisation, Customer Agreement and Bank Indonesia Regulation Number 6 of 2024 concerning the Money Market and Foreign Exchange, and Bank Indonesia Board of Governors Regulation Number 11 of 2024 regarding the Implementation Regulation on Foreign Exchange Transactions, as applicable.

I give my consent to use this authorisation and the documents referenced above to fulfill foreign exchange transfers to Indonesian Rupiah that I initiate.

INTELLECTUAL PROPERTY RIGHTS

18. Intellectual Property Rights

18.1 All rights, title and interest in and to any software (including without limitation the App, the Website, the API, developer tools, sample source code, and code libraries), data, materials, content and printed and electronic documentation (including any specifications and integration guides) developed, provided or made available by us or our affiliates to you, including content of the Website, and any and all technology and any content created or derived from any of the foregoing (“Wise Materials”) and our Services are the exclusive property of Wise and its licensors. The Wise Materials and Services are protected by intellectual property rights laws and treaties around the world. All such rights are reserved.

18.2 How you can use Wise Materials. You may only use the Wise Materials if you have received written permission from us. Any use of the Wise Materials and Services not specifically permitted by us or under this Agreement is strictly prohibited. The licences granted by Wise terminate if you do not comply with this Agreement or any other service terms.

18.3 When you cannot use Wise Materials. Unless you have received written permission from us, you may not, and may not attempt to, directly or indirectly:

(a) use any of the Wise Materials for any commercial purpose or otherwise infringe our intellectual property rights.
(b) transfer, sublicense, loan, sell, assign, lease, rent, distribute or grant rights in the Services or the Wise Materials to any person or entity.
(c) remove, obscure, or alter any notice of any of our trademarks, or other Intellectual Property appearing on or contained within the Services or on any Wise Materials.
(d) modify, copy, tamper with or otherwise create derivative works of any software included in the Wise Materials; or
(e) reverse engineer, disassemble, or decompile the Wise Materials or the Services or apply any other process or procedure to derive the source code of any software included in the Wise Materials or as part of the Services.

18.4 Wise Trademarks. This is a non-exhaustive list of Wise Trademarks : “WISE”, “WISE CARD”, “WISE PLATFORM”, “WISEPLATFORM”, “WISE PAY”, “WISEPAY”, “WISEBUSINESS”, “WISE BUSINESS”, “WISETRANSFER’, “WISE TRANSFER”, “TRANSFERWISE”, “BORDERLESS”, “MONEY WITHOUT BORDERS” and any other business and service names, logos, signs, graphics, page headers, button icons and/or scripts (each as might be amended from time to time) are all registered or unregistered trademarks or trade dress of Wise or Wise’s licensors in the relevant jurisdictions (“Wise Trademarks”).

18.5 You may not copy, imitate, modify, or use Wise Trademarks without our prior written consent. You may use HTML logos provided by us for the purpose of directing web traffic to the Services. You may not alter, modify, or change these HTML logos in any way, use them in a manner that mischaracterizes Wise or the Services or display them in any manner that implies Wise’s sponsorship or endorsement. Further, you may not use Wise Trademarks and trade dress in connection with any product or service that is not Wise’s, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Wise.

18.6 All other trademarks, registered trademarks, product names and company names or logos not owned by Wise that appear in Wise Materials or in the Services are or may be the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Wise, and may not be used without permission of the applicable rights holder.

19. Wise App

19.1 The App is subject to this Agreement and the App Store and Google Play Rules. We licence the use of the App to you on the basis of this Agreement and subject to any rules and policies applied by any app store provider or operator whose sites are located at the App Store and on Google Play. We do not sell the App to you. We always remain the owners of the App.

19.2 App updates. From time to time updates to the App may be issued through App Store or Google Play. Depending on the update, you may not be able to use our Services via the App until you have downloaded the latest version of the App and accepted any new terms.

19.3 Your right to use the App. In consideration of you agreeing to abide by the terms of this Agreement, we grant you a non-transferable, non-exclusive licence to use the App on your device subject to this Agreement. We reserve all other rights.

19.4 App Store terms. The following provisions apply with respect to your use of any version of the App compatible with the iOS operating system of Apple Inc. (“Apple”):

(a) Apple is not a party to this Agreement and does not own and is not responsible for the App.
(b) Apple is not providing any warranty for the App except, if applicable, to refund the purchase price for it.
(c) Apple is not responsible for maintenance or other support services for the App and shall not be responsible for any other claims, losses, liabilities, damages, costs, or expenses with respect to the App, including any third-party product liability claims, claims that the App fails to conform to any applicable legal or regulatory requirement, claims arising under consumer protection or similar legislation, and claims with respect to intellectual property infringement.
(d) Any inquiries or complaints relating to the use of the App, including those pertaining to intellectual property rights, must be directed to Wise in accordance with this Agreement.
(e) The licence you have been granted herein is limited to a non-transferable licence to use the App on an Apple-branded product that runs Apple’s iOS operating system and is owned or controlled by you, or as otherwise permitted by the Usage Rules set forth in Apple’s App Store Terms of Service. In addition, you must comply with the terms of any third-party agreement applicable to you when using the App, such as your wireless data service agreement.
(f) Apple and Apple’s subsidiaries are third-party beneficiaries of this Agreement and, upon your acceptance of the terms and conditions of this Agreement, will have the right (and will be deemed to have accepted the right) to enforce this Agreement against you as a third-party beneficiary. Notwithstanding this, our right to enter, rescind or terminate any variation, waiver or settlement under this Agreement is not subject to the consent of any third party, including Apple.

20. Third Party Materials

20.1 Certain Website, App or API functionality may contain or provide you access to information, products, services, and other materials by third parties (“Third Party Materials”) or allow for the routing or transmission of such Third Party Materials, including via links.

20.2 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, App or API at any time. In addition, the availability of any Third Party Materials through the Website, App or API 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.

20.3 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).

OTHER LEGAL TERMS

21. Your Additional Duties as a Business Customer

21.1 Transactions Notifications. As a Business customer with a Wise Profile, you must provide contact information, opt to receive all outgoing transaction notifications and monitor notifications sent by Wise, if any. This includes:

(a) providing us with contact details as required for us to send you transaction notifications; and
(b) if you have opted to receive transaction notifications by email, to provide your email address to us, which must be complete and accurate.

22. Unauthorised Transactions

22.1 It is your sole responsibility to enable transaction alerts on any device used to receive transaction notifications from us, to opt to receive all transaction notifications for all outgoing transactions of (any amount) made from your Wise Profile and to monitor the transaction notifications sent to your Wise Profile contact provided. Please note that we will not send further reminders or repeat transaction notifications to you.

22.2 You must report any unauthorised transactions to us as soon as practicable after receipt of any transaction notification alert for any unauthorised transaction. Where you are unable to report immediately, you should provide us with the reasons for the delayed report, if requested. This includes time periods or circumstances where it would not be reasonable to expect yourself to monitor transaction notifications. The report should be made in any of the following ways:

(a) by reporting the unauthorised transaction in any reporting channels informed to you by us for such purpose; or
(b) by reporting the unauthorised transaction to us in any other way. All such reports made in this manner will only be deemed to have been received by us upon our dispatch of an acknowledgement or receipt of the report.

22.3 An “unauthorised transaction” means a payment transaction initiated by any person without the actual or imputed knowledge and implied or express consent of you. A “payment transaction” means the placing, transfer or withdrawal of money initiated through electronic means and where the money is received through electronic means. Without limiting the meaning of “unauthorised transaction”, the following are not considered unauthorised transactions and you will remain responsible for the transactions in these situations:

(a) If you give someone access to your Wise Profile (by giving them your login information or Wise Profile password) and they use your Wise Profile with your consent.
(b) If you give someone access to your Wise Profile (by giving them your login information or Wise Profile password) or disclose or keep record of your login information or Wise Profile password in a recognisable way to a third party, and they use your Wise Profile without your knowledge or permission.

22.4 Reporting Channels. You may report any unauthorised transaction to Customer Support.

22.5 Assessment of Claim. We will assess any claims made by you in relation to any unauthorised transaction. You agree to provide us, in a timely manner, any of the following information that may be requested by us for the purposes of investigation any claim made by you:

(a) The Wise Profile affected.
(b) Your identification information.
(c) The type of authentication device, login details (including your Wise Profile password) and device used to perform the payment transaction.
(d) Whether your Wise Profile, authentication device, or login details (including your Wise Profile password) was lost, stolen or misused and if so; the date and time of the loss or misuse, the date and time that the loss or misuse was reported to us, and the date and time that the loss or misuse was reported to the police.
(e) Where any login details (including your Wise Profile password) is applicable to the Wise Profile, how you may have recorded those login details (including your Wise Profile password), and whether it was disclosed to anyone.
(f) Any other information; about the unauthorised transaction that is known to you.

22.6 We may require that you furnish a police report in respect of any unauthorised transaction claim, before we can begin the claims resolution process. Subject to applicable laws, we will also provide you with the relevant information we have of all the unauthorised transactions initiated from your account, including transaction dates, transaction timestamps and parties to the transactions. Should we request that a police report be made to facilitate the claims investigation process, you agree that you will make such police report in a timely manner.

22.7 We will resolve such a claim in a fair and reasonable manner, and communicate the claim resolution process and assessment to you in a timely and transparent manner.

22.8 We will reimburse you for the total loss arising from any unauthorised transaction as soon as we have completed our investigation and assessed that you are not liable for any loss arising from the unauthorised transaction. We will disclose this arrangement to you at the time you report the unauthorised transaction to us, and inform you of the timeline for completing our investigation.

23. Erroneous transactions

23.1 If you should discover any omissions and/or errors in a transaction, you should immediately inform us of the error and provide us the following information in writing in respect of the error:

(a) The Wise Profile affected.
(b) Your identification information, including your name.
(c) The recipient’s identification information, including their name and account number.
(d) The type of authentication device, login details (including your Wise Profile password) and device used to perform the payment transaction.
(e) The date, time, amount and purpose of the erroneous transaction if known.
(f) Any other information about the erroneous payment transaction that is known to you or is requested by us.

23.2 Reporting Channels. You may report any erroneous transaction to Customer Support.

23.3 Our responsibility in relation to any erroneous transaction is to facilitate communication between you and the recipient. Our responsibility in relation to any erroneous transaction is not to resolve any erroneous transaction claim.

24. Our responsibility for loss or damage

24.1 Unforeseeable loss or damage. We are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen, for example, if you discussed it with us during your sign up process.

24.2 We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents, or subcontractors, for fraud or fraudulent misrepresentation.

24.3 We are not liable for business losses. To the extent permissible by law, if you use our Services for any commercial or business purpose we will have no liability to you for any loss of profit, loss of business, business interruption, loss of business opportunity or similar.

24.4 We are not liable for technological attacks. We will not be liable for any loss or damage caused by a virus, or other technological issues or attacks or harmful material that may infect your computer equipment, computer programmes, data or other proprietary material related to your use of our Services.

24.5 We have no control over websites linked to and from our Website. We assume no responsibility for such Third Party Materials or any loss or damage that may arise from your use of them.

24.6 Our liability to you for unauthorised transactions. In case of an unauthorised transaction, we shall at your request refund the transaction amount including all fees deducted by us. We may require proof that such transactions were unauthorised. This shall not apply where we believe:

(a) Your Wise Profile, or other personalised security features, are lost, stolen, or misappropriated.
(b) You have acted fraudulently.
(c) You do not quickly notify us of security issues (e.g., loss of your password). You remain liable for losses incurred up to your notification to us.
(d) The payment transaction was unauthorised, but you have with recklessness, intent or gross negligence compromised the security of your Wise Profile or failed to comply with your obligations to use your Wise Profile in the manner set out in this Agreement. In such a case you shall be solely liable for all losses; or
(e) You do not let us know about the unauthorised or incorrectly completed transaction as soon as practicable after receipt of a transaction notification alert for any unauthorised transaction. This is because the sooner you tell us about any unauthorised transaction or incorrectly executed transaction, the more likely we can properly investigate the transaction and take action to correct it. Whereas, the longer you take to tell us about any unauthorised or incorrectly executed transaction the less likely we can properly investigate the transaction and take action to correct it. Please keep in mind that we will only keep records of your transaction for as long as we are required under applicable law.

24.7 You are responsible for checking your Wise Profile regularly. We rely on you to regularly check the transactions history of your Wise Profile and to contact Customer Support immediately in case you have any questions or concerns.

24.8 We are not liable for certain losses. You are solely responsible for losses arising from your gross negligence or fraud. We also will not be liable in the following instances:

(a) If through no fault of ours, you do not have enough funds available for your Money Transfer to complete the transaction.
(b) If an electronic terminal where you are making a transaction does not operate properly.
(c) If there is a hold or your funds are subject to legal or administrative process or other encumbrance restricting their use.
(d) If the requested transaction is unauthorised as defined in this section of this Agreement.
(e) If circumstances beyond our control (such as fire, flood, or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken.
(f) Any other exception stated in this Agreement.

24.9 We are not liable for things which are outside of our control. We (and our affiliates) cannot be liable for our inability to deliver or delay because of things which are outside our control.

24.10 You are liable if you breach this Agreement or applicable laws. In the event of loss, claims, costs, or expenses (including reasonable legal fees) arising out of your breach of this Agreement, any applicable law or regulation and/or your, or any Authorised User’s use of our Services, you agree to defend, compensate us and our affiliates and hold us harmless. This provision will continue after our relationship ends.

24.11 What happens if you owe us money. In the event you are liable for any amounts owed to us for whatever reason, we may immediately deduct such amounts from the money received (if available). If there are insufficient funds to cover your liability, you agree to repay the outstanding amount to us immediately on demand along with any applicable fees and interest. If you do not repay the outstanding amount, then, without prejudice to any other rights we may have, we reserve the right to collect your debt to us by using any payments received for our Services in the future (such as to fund a Money Transfer), and otherwise you agree to reimburse us through other means. We may also recover amounts you owe us through other collection avenues, including, without limitation, using a debt collection agency. We may recover all reasonable costs or expenses (including reasonable attorneys' fees and expenses) incurred in connection with the enforcement of this Agreement.

24.12 Release. If you have a dispute with any other Wise customer or a third party that you send money to or receive money from using the Services, you irrevocably, fully and unconditionally release Wise from any and all actions, causes of action, claims, demands, obligations and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes, whether such actions, cause of action, claims, demands, obligations and damages are existing or arose before or at the time of agreeing to such release, and/or such dispute and/or whether such actions, cause of action, claims, demands, obligation and damages are known or unknown at the time of agreeing to such release and/or such dispute. This means that you must use caution when dealing with third parties when using our Services or your Wise Profile.

24.13 In entering this release, you expressly waive any protections (whether statutory or otherwise) that would otherwise limit the coverage of this release to include only those claims which you may know or suspect to exist in your favour at the time of agreeing to this release.

24.14 Disclaimer of Warranty. The Services are provided “As-Is”, “Where Is” and “Where Available” and without any representation or warranty, whether express, implied, or statutory. Wise specifically disclaims any implied warranties of title, merchantability, fitness for a particular purpose and non-infringement. We disclaim all warranties with respect to the Services to the fullest extent permissible under applicable law, including the warranties of merchantability, fitness for a particular purpose, non-infringement, and title.

24.15 Availability of Services. We will try to make sure our Services are available to you when you need them. However, we do not guarantee that our Services will always be available or be uninterrupted. We may suspend, withdraw, discontinue, or change all or any part of our Service without notice. We will not be liable to you if for any reason our Services are unavailable at any time or for any period.

25. Our right to make changes

25.1 We may change this Agreement by giving you thirty (30) Business Days’ notice. This notice will be provided either by email or displaying a notice in the App or in our Website. If we do this, you can terminate this Agreement immediately by closing your Wise Profile and ceasing the use of our Services during the notice period (see section 8 on “Closing your Wise Profile or stopping your use of Wise”). If we do not hear from you during the notice period, you will be considered as having accepted the proposed changes and they will apply to you from the effective date specified on the notice.

25.2 In some instances, we may change this Agreement immediately. Notwithstanding section 25.1, changes to this Agreement which are (1) more favourable to you; (2) required by law; (3) related to the addition of a new service, extra functionality to the existing Service; or (4) changes which neither reduce your rights nor increase your responsibilities, will come into effect immediately. Changes to exchange rates shall come into effect immediately without notice and you shall not have the right to object to such a change.

26. Complaints

26.1 If you have any complaints about us or our Services, you may contact us following our customer complaint procedure.

26.2 If your complaint has not been resolved or responded to, you can forward your complaint to Bank Indonesia. Please contact us directly regarding all complaints to look for a resolution first before approaching Bank Indonesia as a point of escalation.

27. General but important terms

27.1 No Third Party rights. This Agreement is between you and us. Except as expressly provided in this Agreement (for example in the App Store terms), no other person shall have any rights to enforce any of its terms. Neither of us will need to get the agreement of any other person to end or make any changes to this Agreement.

27.2 Assignment. You may not transfer, assign, mortgage, charge, subcontract, declare a trust over or deal in any other manner with any or all your rights and obligations under this Agreement (including the Wise Profile) without our prior written consent. We reserve the right to transfer, assign or novate this Agreement (including the Wise Profile) or any right or obligation under this Agreement at any time without your consent. This does not affect your rights to close your Wise Profile under section 8.

27.3 Severability. Each of the paragraphs of this Agreement operates separately. If any court or relevant authority decides that any of them are unlawful or unenforceable, the remaining paragraphs will remain in full force and effect.

27.4 Enforcement. Even if we delay in enforcing this Agreement, we can still enforce it later. If we delay in asking you to do certain things or taking certain action, it will not prevent us from taking steps against you at a later date.

27.5 Entire Agreement. This Agreement supersedes and extinguishes all previous agreements between you and Wise, whether written or oral, relating to its subject matter.

27.6 Governing law. This Agreement is governed by Indonesia law. Any dispute between you and us in connection with the Services and/or this Agreement may be brought in the courts of Indonesia.