1.1 The terms used in this Policy must have the same meanings as in the Terms of Use, except where otherwise specified.

1.2. Please read this Policy carefully before using the Site and Apps (“Services”).

1.3. You should read and understand this Policy before accessing the Services, because this Policy is one of the documents that allow the User to use the Services correctly and safely. If you have any doubts about the contents of this document, you should seek independent professional advice.

1.4. This Policy sets out requirements for the identification, screening and continuous monitoring of our Users and their transactions in order to prevent crimes, money laundering, terrorist financing, sanctions or tax evasion, as well as to ensure the detection of such cases and reporting on them.

1.5. The requirements of this Policy apply to all actions provided for by the Terms of Use published on the Site.

2.1. Money Laundering (hereinafter ML) – a set of activities with the property derived from criminal activity or property obtained instead of such property with the purpose to conceal or disguise the true nature, source, location, disposition, movement, right of ownership, or other rights related to such property; convert, transfer, acquire, possess or use such property for the purpose of concealing or disguising the illicit origin of the property or of assisting a person who is involved in criminal activity to evade the legal consequences of his or her action.

2.2. Terrorist Financing (hereinafter TF) – means the financing and supporting for an act of terrorism and commissioning thereof as well as the financing and supporting of travel for the purpose of terrorism in the meaning of applicable legislation.

2.3. International Sanctions – list of non-military measures decided by the United Nations, another international organization, aimed at maintaining or restoring peace, preventing conflicts and restoring international security, supporting and strengthening democracy, observing the rule of law, human rights, and international laws.

2.4. Money Laundering Reporting Officer (MLRO) – a representative appointed by the Management Board, responsible for the effectiveness of the Policy.

2.5. Business Relationship – a relationship established by WISY in its economic and professional activities with the User.

2.6. User – a natural person who uses Services.

2.7. Transaction - the exchange of Fiat Currency for Virtual Currency, Virtual Currency for Virtual Currency, carried out by the User through WISY.

2.8. Beneficial Owner – a natural person who:

• Taking advantage of his influence, exercises control over a transaction, operation, or another person and in whose interests or favor or on whose account a transaction or operation is performed;

• Ultimately owns or controls a legal person through direct or indirect ownership of a sufficient percentage of the shares or voting rights, or ownership interest in that person, including through bearer shareholdings, or through control via other means;

• Holds the position of a senior managing official if, after all possible means of identification have been exhausted;

• In the case of a trust, civil partnership, community or legal agreement, the Beneficial owner is an individual who ultimately controls the association through direct or indirect ownership or otherwise and is such an association.

2.9. Politically Exposed Person or PEP - a natural person who is or has been entrusted with prominent public functions, or his or her close relative or associate, including heads of international organizations.

2.10. Virtual currency - a value represented in digital form, which is digitally transferable, preservable, or tradable and which persons accept as a payment instrument, but that is not the legal tender of any country.

3.1. WISY appoints a Money laundering reporting officer whose main tasks are:

• Monitoring the compliance of the Policy with relevant laws and regulations;

• Collection and continuous updating of data on countries with low tax risk, high ML and FT risk, as well as economic activities subject to ML and FT;

• Staff briefing and training;

• Reporting to WISY on compliance with the Policy;

• Collection, processing and analysis of data received from employees or Users regarding suspicious and unusual actions;

• Obtaining internal information, compiling reports; making proposals to eliminate any shortcomings identified during inspections.

4.1. The Service shall determine and take due diligence (hereinafter DD) measures using results of the conducted risk assessment.

4.2. DD measures shall include the following procedures:

• Identifying the User and verifying its identity using reliable, independent sources, documents, or data, including e-identifying;

• Identifying and verifying of the representative of the User and the right of representation;

• Identifying the User`s Beneficial Owner;

• Assessing and obtaining information on the purpose of the Business Relationship;

• Obtaining information whether the User is a PEP or PEP’s family member or PEP’s close associate;

• Obtaining information about whether International Sanctions are imposed against the User, Beneficial Owner, representative, director, and other persons that may be relevant.

4.3. To comply with the DD obligation, WISY has the right and obligation to:

• Request documents and information regarding the activities of the User and legal origin of funds;

• Request appropriate identity documents to identify the User and its representatives;

• Request information about Beneficial Owners of a User;

• Screen the risk profile of the User, select the appropriate DD measures, assess the risk whether the User is or may become involved in ML or TF;

• Re-identify the User or the representative of the User, if there are any doubts regarding the correctness of the information received in the course of initial identification;

• Refuse to participate in or carry out the Transaction if there is any suspicion that the Transaction is linked with ML or TF, or that the User or another person linked with the Transaction is or could be involved in ML or TF.

4.4. The objective of the continuously applied DD measures is to ensure on-going monitoring of Users and their Transactions.

4.5. WISY updates the data of a User, i.e. takes appropriate DD measures, every time when:

• Upon identification and verification of the information;

• Based on data renewal terms which may vary depending on the risk group to which particular User is assigned to;

• WISY has learned through third persons or the media that the activities or data of the User have changed significantly;

• The data pertaining to the Transactions of the User reveal significant changes in the User’s area of activity or business volumes, which warrants amending the User’s risk profile.

5.1. Upon implementing DD measures the following person shall be identified:

• User – a natural person;

• Representative of the User – an individual who is authorized to act on behalf of the User.

• Beneficial Owner of the User;

• PEP – if the PEP is the User or a person connected with the User.

5.2. Upon establishing the relationship with the User WISY shall identify and verify the User by using information technology means and follow technical requirements for the customer identification process for remote identification authentication via electronic devices for direct video transmission.

5.3. Consequences of insufficient identification of a User:

• Promptly apply the enhanced DD measures pursuant to the Policy;

• Assess the risk profile of the User and notify MLRO and/or MB;

• Suspicious Transactions can be monitored andevaluated ex post facto.

6.1. In order to screen out suspicious or unusual Transactions and the purpose and actual substance of a Transaction, WISY shall take the following actions:

• Request additional information from the User about the professional or economic activities when making a Transaction above certain limits;

• Ask the User explanations about the reasons for the Transaction and, if necessary, documents evidencing of the origin of the assets and/or source of wealth;

• Being particularly attentive to Transactions, which are linked with natural or legal persons, whose country of origin is a state, wherefrom it is particularly difficult to receive information about the User and/or transactions with persons, who originate from such states, which do not contribute sufficiently into prevention of ML.

7.1. WISY conducts risk-assessment of its activities and Users, and establishes a risk profile of a User based on information gathered under the Guidelines and applies relevant level of due diligence measures accordingly.

8.1. The User shall use the Service solely in compliance with its Terms of Use, including this Policy, solely for his or her own account. The User shall not sell, lease, or otherwise provide access to the Services to any third party.

8.2. The following conduct and Transactions are prohibited:

• The User does not have sufficient authorizations to carry out the Transaction, or the authorizations are unclear;

• The User`s need to carry out the Transaction has not been reasonably justified;

• The User is a fictitious person;

• The User has not presented sufficient data or documents to prove the legal origin of the assets and funds after having been asked to do so;

• Based on the information received from recognized and reliable sources (e.g. state authorities, international organizations, media) the User, the Beneficial Owner of a User, or another person associated with the User (e.g. director, representative) is or has been linked with organized crime, ML or TF, tax evasion, bribery or corruption;

• The User or the representative of the User refuses to provide information for the purposes of establishing the substance of the Transactions and assessment of the risks;

• The User, the Beneficial Owner of a User, or another person associated with the User is or has been linked with sources of income of organized crime, i.e. illicit traffic of excise goods or narcotic substances, illegal trafficking of arms or human trafficking, mediation of prostitution, unlicensed international transfers of digital assets;

• International Sanctions are being applied against the User, the Representative or the Beneficial Owner;

• The User advocates, promotes, or assists any violence or any unlawful act.

9.1. Please refer to our Privacy Policy at Privacy Policy page for information about how we collect, use and share User`s information.

10.1. Any circumstances identified in the Business Relationship are unusual or suspicious or there are characteristics which point to ML, TF, or an attempt of it, shall be promptly escalated to the MLRO.

10.2. The MLRO shall analyze and forward the respective information to the MB.

11.1. WISY conducts inspections and pays special attention to all its Users (existing and new) on their activities, as well as to facts and indicators that indicate the possibility that the User is the subject of existing international sanctions.

12.1. Albania, Afghanistan, The Bahamas, Barbados, Botswana, Burkina Faso, Cambodia, Cayman Islands, Cuba, Democratic Republic of Korea (DPRK), Haiti, Ghana, Jamaica, Iran, Iraq, Gibraltar, Mauritius, Morocco, Myanmar, Nicaragua, Pakistan, Panama, Philippines, Senegal, South Sudan, Syria, Trinidad and Tobago, Uganda, Vanuatu, Yemen, Angola, Burundi, Central African Republic, Congo, Congo (Democratic Republic of the Congo), Guinea-Bissau, Liberia, Libya, Mali, Sierra Leone, Somalia, Cote d’Ivoire, the United States of America (USA), Zimbabwe, Puerto Rico, the United States Virgin Islands, any other possessions of the United States of America or countries in the territory where transactions with digital assets are prohibited or in any way restricted.

12.2. Restriction for Users from the USA. The user confirms that he is not a US citizen, does not have a permanent residence permit (residence permit) in the USA, is not a US tax resident in accordance with US law, and has not been in the territory of this state for at least the period established by the legislation of a foreign state for recognition as a US tax resident, the country of registration/the establishment of the legal entity – User is not the territory of the United States.

12.3. Otherwise, the User undertakes to immediately stop using the Site and Services.

12.4. Prohibition on the sale of Services. The company does not serve Users who are prohibited by their local law from interacting with cryptocurrency.

12.5. Countries where individuals are prohibited from owning, using and disposing of cryptocurrency under the threat of personal criminal liability: Iraq, China, Algeria, Bangladesh, Egypt, Afghanistan.

12.6. WISY reserves the right to choose markets and jurisdictions in which it operates, and may also restrict or refuse provision of its Services in other countries, territories, or regions if deemed necessary by its own risk appetite or required by laws, competent authorities or sanctions programs. You should inform us immediately if you become a resident of any of the Restricted jurisdiction. You understand and acknowledge that if it is determined that you have given false representations of your location or place of residence, WISY reserves the right to take any appropriate actions with compliance to the local jurisdiction, including termination of your access to the Services.

If you have any questions regarding this Policy, please do not hesitate to get in touch with us.

info@wisymoney.com

+66637709244

Suite 3, 1st Floor, La Ciotat Building, Mont Fleuri, Mahe, Seychelles

1.1. Within WISY, corporate ethics form an intricate framework of standards, principles, and values that govern the conduct and positioning of Site Users, influencers, and other participants as they engage with the Site and Apps ("Services").

1.2. These corporate ethics encompass pillars such as social responsibility, unwavering honesty, impartial justice, genuine respect for fellow individuals, and a steadfast commitment to upholding human rights.

1.3. The significance of these corporate ethics cannot be overstated, as they play a pivotal role in shaping a positive perception of WISY. Furthermore, they are instrumental in nurturing robust relationships with clientele, partners, and the workforce, all while fostering the sustainable growth of the business.

2.1. Company values and principles:

• Upholding respect for Users, partners, the project team, and the community;

• Establishing a secure and welcoming environment for Users;

• Demonstrating transparency and honesty in all facets of our operations;

• Prioritizing innovation and quality in the advancement of our Services;

• Taking responsibility for the actions and outcomes linked to brand promotion.

2.2. Permitted means of promotion:

• Collaborating with influencers who align with WISY`s corporate values and have expertise in online gaming or the cryptocurrency sector.

• Engaging in blockchain events, conferences, summits, and exhibitions.

• Releasing articles and video reviews that showcase the benefits and innovations of WISY`s Services.

• Generating high-quality and informative content for social networks and platforms associated with the blockchain industry.

2.3. Unacceptable methods for promoting WISY include:

• Employing spam or intrusive advertising.

• Exploiting the vulnerabilities of Users, Partners, the Project Team, and the Community for personal gain.

• Utilizing insider information to enrich oneself.

• Presenting WISY in a negative light when compared to its competitors.

• Focusing on accumulating investments with the intention of achieving quick and effortless profits.

• Dissemination of information that may tarnish the reputation of WISY.

• Revealing confidential information about Users.

• Encouraging the use of WISY for credit or loan funds.

• Distorting information about WISY, its Services, or the project team, and engaging in falsehoods and defamation.

• Avoiding the use of terms such as "earnings," "income," "passive income," "deposit," and "investment".

3.1. WISY monitors the compliance of influencers with Corporate Ethics, Terms of Use and platforms on which content is published.

3.1. WISY monitors the compliance of influencers with Corporate Ethics, Terms of Use and platforms on which content is published.

4.1. WISY reserves the right to periodically review and update Corporate Ethics, considering changes in legislation, industry standards, as well as experience and feedback from influencers and the community.

4.2. Following the principles of Corporate Ethics, influencers and WISY are committed to jointly promoting the brand, building the trust of the community, and creating a positive image of WISY.

If you have any questions regarding this Ethics, please do not hesitate to get in touch with us.

info@wisymoney.com

+66637709244

Suite 3, 1st Floor, La Ciotat Building, Mont Fleuri, Mahe, Seychelles

1.1. Please read this warning carefully.

1.2. You agree to this Warning and express your consent that this document is legally binding on you if you operate your activity on the Site and Apps ("Services").

1.3. We may amend this Warning by posting the amended Warning on the Site.

1.4. The Warning may be changed by us without any special notice, the new version of the Warning shall enter into force from the moment of its posting on the Site, unless otherwise provided by the new edition of the Warning.

1.5. You must regularly review the terms and conditions of this document to check for amendments and/or supplements.

1.6. Continuation of your use of the Services after making changes and/or additions to this document means agreement and acceptance by the User of such changes and/or additions.

1.7. In case of disagreement with any of the conditions of this Warning, as well as contradiction of the Warning to the provisions of the legislation of the country of your location, you undertake not to use the Services, otherwise you may bear all losses and expenses, caused by non-compliance with these requirements both to us and to third parties.

2.1. We do not offer personalized guidance regarding our products or services. On occasion, we may furnish factual details, clarify transaction procedures, or outline potential risks. Nevertheless, the decision to utilize our products or services is entirely yours to make. Any communication or information provided by WISY should not be viewed as, or interpreted as, investment advice, financial advice, trading advice, or any other form of guidance. It is your sole responsibility to assess whether any investment, investment strategy, or associated transaction aligns with your individual investment goals, financial situation, and risk tolerance.

2.2. WISY does not operate as your broker, intermediary, agent, or advisor, and there exists no fiduciary connection or obligation between you and WISY regarding any trades, decisions, or activities you carry out using our Services. We do not oversee whether your utilization of the Services aligns with your financial aims and objectives. It is your responsibility to evaluate whether your financial means are suitable for the financial activities conducted with us and to gauge your risk tolerance in relation to the products and services you use.

3.1. Engaging in activities related to cruptocurrency transactions within WISY Services carries a substantial risk of total loss of funds and other assets (investments) exchanged for cruptocurrency. This risk stems from factors like cruptocurrency value volatility, technical glitches, and the potential for unlawful activities, such as theft.

3.2. The legal framework governing cruptocurrency transactions is not consistent, and the consequences of such transactions can vary from one jurisdiction to another.

3.3. Trading cryptocurrencys and participating in blockchain-based projects come with significant risks. When you use our Services, you assume all associated risks.

3.4. Cryptocurrency prices can experience substantial fluctuations in a short span due to factors such as supply and demand, cryptocurrency market news, and regulatory changes. Users must be prepared for potential financial losses due to cryptocurrency volatility.

3.5. Participation in cryptocurrency staking entails specific risks, including the potential loss of your deposit due to cryptocurrency price fluctuations. It is crucial to fully grasp the staking mechanism and its associated risks before deciding to invest.

3.6. Engaging in cryptocurrency speculation may lead to financial losses due to unpredictable fluctuations in cryptocurrency value. We do not offer investment advice, and participating in speculation is solely your decision and responsibility.

3.7. We do not guarantee a stable and consistent income. The market value of cryptocurrencys can impact your profitability.

3.8. By accepting our Services, you assume full responsibility for your actions. We strongly advise against investing more than you can afford to lose and encourage you to make well-informed decisions about your cryptocurrency usage and involvement.

3.9. The taxation of cryptocurrency and cryptocurrency transactions is uncertain, and it is your responsibility to determine the applicable taxes and how they are applied when using our platform. You are obligated to report and pay any taxes arising from the use of the platform, and you acknowledge that we do not provide legal or tax advice concerning these transactions. If you have any concerns about your tax status or obligations while using our Services, we recommend seeking independent advice.

3.10. You recognize that, as required by current legislation, WISY may report transaction, transfer, distribution, or payment information to tax or other public authorities, as well as withhold taxes related to your transactions. The applicable law may also necessitate the platform to request additional tax information or documentation from you. Failure to respond to these requests promptly may lead to tax withholding by WISY, which will be remitted to the tax authorities in accordance with relevant legislation. It is advisable to seek professional and personal advice on tax matters related to digital asset transactions before proceeding.

3.11. When communicating with us electronically, be aware that electronic communication may fail, experience delays, lack security, or fail to reach the intended recipient.

If you have any questions regarding this Ethics, please do not hesitate to get in touch with us.

info@wisymoney.com

+66637709244

Suite 3, 1st Floor, La Ciotat Building, Mont Fleuri, Mahe, Seychelles

1.1. When you access the Site, we utilize cookies and similar technologies to either retrieve or store information on the User`s device.

1.2. You can find out more about cookies and other similar technologies and how to manage them in the information below.

1.3. If you do not agree with the use of these technologies, please disable them by following the instructions in this Site policy, for example by clicking on the Cookie Settings link (from our cookie banner) or by changing your browser settings.

• Cookies are simple text files that are deposited onto a user`s device when they visit the Site, enabling it to identify and remember their device. These cookies retain information pertaining to the user`s visit, encompassing details such as viewed content, language preferences, the timing and duration of each visit, and accessed advertisements.

• Cookies are useful because they allow the Site to recognize the User`s device, improve the Site`s performance, and track the User`s activity on the Site.

• For Users, cookies are convenient because they allow you not to enter your login, password, and other data every time it is necessary to use the Site.

• Session storage files are automatically removed when you close your browser, while local storage is persistent and remains stored even after the browser is closed.

• Cookies can also be deleted from local storage either at the user`s request or as a consequence of actions taken by the User

4.1. Some cookies ensure that certain parts of the Site work as expected and your User preferences are known. By placing functional cookies, we make it easier for you to visit our Site. This way you do not have to enter the same information over and over when visiting our Site.

4.2. We may place these cookies without your consent.

4.3. Technical cookies allow the Site to remember your choices (such as your Username, language, or region you are in) and provide enhanced, more personalized features. These cookies can also be used to remember changes you make to text size, fonts, and other parts of web pages that you can customize, and to remember the decisions you make to improve your experience. Session cookies have no expiration date. Instead, they are only kept for as long as the browser or tab is open. As soon as the browser is closed, they are irretrievably lost. This type of cookie is used, for example, to store the User`s bank credentials while navigating their bank`s site, as their information will be forgotten as soon as the tab is closed.

4.4. The technical cookies that we process include:

• The User`s IP address;

• Browser and operating system version;

• Device type;

• Browser language.

5.1. We use statistics cookies to optimize the Site experience for our Users.

5.2. With the help of these statistical cookies, we get an idea of the use of our Site.

5.3. We ask for your permission to place statistics cookies.

5.4. Statistical cookies are only used to improve the performance of the Site. These cookies determine which pages are used and help us analyze data about web page traffic and improve our Site in order to tailor it to customer needs.

5.5. The statistical cookies that we process include:

• Page scrolling data;

• Data of transitions on hyperlinks;

• Button click data;

• Text selection and copying data;

• User consent to the provision of cookies.

5.6. Before using the Site, User gives his consent to the processing of cookies.

5.7. User shall confirm that he or she has read this Policy before giving his consent to the processing of certain cookies.

6.1. You have the following rights regarding the processing of your cookies:

• You have the right to understand why cookies are necessary, what their purpose is, and their duration.

• Right to access: You are entitled to access the cookies that we are aware of.

• Right to rectification: You have the right to modify, rectify, delete, or block your cookies at any time.

• Right to data portability: You have the right to request all your cookies from one operator and transfer them entirely to another operator.

• Right to object: You can express your objection to the processing of your cookies.

• We will take appropriate action if there is no reasonable basis for processing cookies.

7.1. You can use your internet browser to delete cookies automatically or manually.

7.2. You have the option to delete cookies from your internet browser either automatically or manually.

7.3. You can specify that certain cookies should not be placed, or you can adjust your internet browser settings to receive a notification each time a cookie is set. For detailed instructions, please refer to the help section of your browser. Additionally, you can delete cookies by clearing your browser history.

7.4. Data stored in local storage is deleted within three months after you cease using the Site.

7.5. Users can also disable or entirely remove cookies by adjusting their browser settings.

7.6. To configure your browser settings, read the instructions for configuring your browser settings.

7.7. It is important to note that the Site may not function correctly if all cookies or essential technical cookies are disabled. If you delete cookies from your browser, they will be reinstated after your consent when you revisit the Site.

If you have any questions regarding this Policy, please do not hesitate to get in touch with us.

info@wisymoney.com

+66637709244

Suite 3, 1st Floor, La Ciotat Building, Mont Fleuri, Mahe, Seychelles

1.1. Please carefully read this Terms of Use.

1.2. In carrying out your activities on the Site and Apps ("Services"), you agree to this Terms of Use and express your consent to the terms and conditions of use of the Services, as well as accept all policies and other documentation posted on the Site, which are essential and integral parts of this Terms of Use and which will be legally binding for you.

1.3. We may update and amend this Terms of Use by publishing the relevant Terms of Use on the Site.

1.4. The Terms of Use may be amended by us without any special notice, the new version of the Terms of Use comes into force from the moment it is posted on the Site, unless otherwise provided by new version of the Terms of Use.

1.5. You are obliged to regularly check the terms of this document for changes and/or additions.

1.6. Your use of the Services after making changes and/or additions to this document means acceptance and consent of the User with such changes and/or additions.

1.7. If you do not agree with any of the provisions outlined in these Terms of Use, or if these terms contradict the laws and regulations of your country, you commit to refraining from using the Services. In such a case, you accept full responsibility for any losses and expenses resulting from non-compliance with the aforementioned documents, both towards us and any third parties involved.

1.8. WISY reserves the right to choose the markets and jurisdictions in which it operates and may also restrict or refuse to provide Services in certain countries, if it deems it necessary.

1.9. WISY`s services, due to the uncertainty of the legal regime of Crypto Currency in many jurisdictions, can be risky.

1.10. Please do not use our Services if you do not understand these risks.

2.1. These Terms of Use make reference to several supplementary documents that are also applicable to your utilization of WISY Services. These additional documents include:

• Privacy Policy which is designed to protect privacy of our Users available at Privacy Policy Page

• General Risk Warning which provides you with general information about the risks associated with the WISY Services available at General Risk Warning page;

• Anti-Money Laundering Policy which is designed to provide additional regulations applicable your access to and use of the Site and all Apps available at AML Policy;

• Service Terms, which provide specific terms and conditions applicable to particular Services.

3.1. We may not offer the Services in all markets and jurisdictions, and may limit or prohibit the use of the Services in specific States or jurisdictions known as "Restricted Locations". If you are registering to use the Services on behalf of a legal entity, you confirm and guarantee that:

• this legal entity is appropriately established and legally valid according to the relevant laws of its jurisdiction;

• you possess the necessary authorization from this legal entity to act on its behalf.

3.2. If you are registering to use the Services as an individual, you confirm and guarantee that:

• You are of at least 18 years of age and meet the legal age requirement in your relevant jurisdiction.

• You are an individual with complete legal capacity and authority, allowing you to consent to these Terms of Use.

• The funds used to acquire Services, as per these Terms of Use, rightfully belong to you and originate from legitimate sources.

• You do not provide us with false, unreliable, or fraudulent information.

• You have not previously been prohibited or restricted from using our Site.

• You have not previously been prohibited or restricted from using our Site.

• You are not in violation of any provisions within these Terms of Use or any applicable laws and regulations;

• You are not located within, under the control of, or a national or resident of restricted jurisdiction, provided in the AML Policy;

• You will use your Account only for yourself, and not on behalf of any third party, unless you have obtained our prior written consent.

• We reserve the right to modify our eligibility criteria at our discretion. These alterations may stem from legal and/or regulatory adjustments, as well as changes made for your advantage.

4.1. You must create and maintain a WISY Account in order to access the Services. This may be an Account for an individual user, or a Corporate Account where the user is a corporation, entity or other organization.

4.2. Once you have successfully registered a WISY Account, you will gain access to our Services in accordance with these Terms and the Product Terms that govern the use of each specific Service.

4.3. WISY reserves the right, at its sole discretion, to impose limitations on the number of Accounts that you can possess, maintain, or acquire. We also reserve the right to refuse any application for an Account without reason.

4.4. Regarding WISY Account information and security, to engage in activities through the Services, you must establish an Account and furnish any requested details. By creating an Account, you agree to:

• Generate a robust password that is not utilized for any other website or online service.

• Supply precise and truthful information.

• Keep your Account details up to date and inform us promptly of any changes.

• Safeguard the security of your Account by safeguarding your password and controlling access to your Account.

• Immediately report to us if you identify or suspect any security breaches concerning your Account.

• Assume responsibility for all activities transpiring under your Account and acknowledge all associated risks, whether authorized or unauthorized, to the fullest extent allowed by law.

5.1. Before you can create a WISY Account and access the Services, you are required to adhere to our identity verification procedures. This entails furnishing us with specific information about yourself and, where applicable, your authorized users. All information provided must be comprehensive, accurate, and truthful. It is your responsibility to keep this information up-to-date whenever changes occur.

5.2. By using our Services, you grant us the authority to conduct inquiries, either directly or through third parties, as we see fit to verify your identity, as well as that of any authorized users. This is done to safeguard against fraud, money laundering, terrorist financing, or other financial crimes, and to undertake any necessary actions based on the outcomes of these inquiries.

5.3. During these inquiries, you acknowledge and comprehend that your personal data, along with that of any authorized users, may be shared with identity verification, compliance data recording, credit reference, fraud prevention, or financial crime agencies. These agencies may provide us with comprehensive responses to our inquiries.

5.4. We may also necessitate your adherence to our enhanced due diligence procedures, which may involve submitting supplementary information about yourself, your business, or your authorized users. This could entail supplying additional records or documentation, or engaging in face-to-face meetings with WISY representatives.

6.1. We may request information from you at any point in time to meet the requirements of applicable laws, identity verification mandates, or to aid in the identification of money laundering, terrorist financing, fraud, or any other financial crime, or for any other legitimate reason.

To execute an exchange or transaction of Crypto Currency via the Services ("Transactions"), you must initially transfer Crypto Currency or Fiat Currency to your WISY Account using one of the approved partner services or External Accounts, i.e. any account other than your WISY Account ("External Account"). By initiating a Transaction you or your authorized user give us the right to initiate the Transaction on your Account (or provide settlement information to third parties for the purposes of the Transaction).

You might be required to confirm your control over the External Account used for transferring assets to your WISY Account. You may incur fees from the External Account used for sending assets to or from your Account.

You hold sole responsibility for your utilization of any External Account and commit to adhering to all terms and conditions applicable to such External Accounts. The duration of a transfer transaction is contingent in part upon the performance of third parties responsible for maintaining the specified External Account.

You are responsible for the management and usage of your WISY Account. Consequently, we will presume that you or your authorized user have sanctioned any Transactions issued from your Account, unless we are informed otherwise. It is crucial that you regularly review the history of your Transactions to promptly identify and report any unauthorized or suspicious activities on your Account. We are not responsible for any claims or losses stemming from any unauthorized Transaction, unless you have duly informed us following the procedures outlined in this clause.

In order to comply with prevailing global industry standards for data retention, you consent to allow us (without imposing an obligation on us) to maintain a record of all Transaction details for the duration of your Account`s existence, or for any other period mandated by applicable laws to fulfill their intended purposes.

If the balance on your WISY Account exceeds any minimum balance requirements required to complete any of your Transactions, you have the right to make Transactions with Us, other Users, or users who utilize External Accounts. However, we in some cases, the external accounts may reject your assets or may otherwise be unavailable to receive your assets.

8.1. Please refer to our Privacy Policy at Privacy Policy Page for information about how we collect, use and share your information.

9.1. You hereby warrant WISY the following:

• You do not reside in any region where the use of the Services is expressly prohibited under applicable law;

• You have sufficient knowledge and experience in business and financial matters, including sufficient understanding of blockchain technologies, crypto tokens and other digital assets, smart contracts, storage mechanisms (crypto wallets) to assess the risks and benefits of acquiring Crypto Currency, including the matters set out in this Terms of Use, and may bear risks, including the loss of all funds contributed, loss of Crypto Currency and liability to WISY and other persons for their actions and omissions, including actions that are in breach of this Terms of Use, negligence, fraud;

• You are aware of the fact that Crypto Currency could be subject to significant price fluctuations due to unforeseen changes in the market or changes in legislation. In addition, Crypto Currencies are exposed to the risk of hacker attacks, which can lead to loss your of investment capital;

• You have received sufficient information to make any reasoned decision to participate in the acquisition of Crypto Currency;

• Assets, including funds and Crypto Currency, are not associated with any illegal activity, including money laundering or the financing of terrorism;

• The User shall not use Crypto Currency to finance, participate in or otherwise support any illegal activity;

• All transactions of a user in accordance with this Terms of Use will be performed only on behalf of the user, from a digital wallet or bank account, not located in the country or in the territory, which were entered in the list of restricted jurisdictions provided in the AML Policy;

• To the extent required by the applicable legislation, the User shall comply with all requirements to combat money laundering and the financing of terrorism;

• Neither a person having a direct or indirect beneficial interest in relation to exchange of Crypto Currency, nor any person for whom this person acts as agent or representative for the exchange of Crypto Currency, is not subject to sanctions that are applied or enforced by any country or government, or is an organization or national of a country or territory recognized as being the object of sanctions throughout the country or territory.

10.1. WISY hereby grants the User a limited license to use the Services for personal use in accordance with this Terms of Use, any instructions and recommendations placed on the Site, as well as all applicable laws, rules and regulations.

10.2. Except for the limited license expressly granted here, the User recognizes and agrees that WISY shall have all rights, property rights and interests with respect to the Services and the Site, including, inter alia, all intellectual property rights.

10.3. The Services is intended for personal use of the User and is not intended for resale or other transfer or disposal to any other natural or legal person.

10.4. In addition, the User agrees not to:

• Redesign, decompile, disassemble, translate, modify or otherwise modify the underlying software and technologies used to provide services on the Services;

10.5. WISY reserves the right to terminate any aspect of the Services at any time. WISY also reserves the right to terminate the User`s license to use the Services at any time and for any reason or in the future to charge a fee for commercial use.

10.6. The User recognizes and agrees that, unless otherwise stated, WISY has all legal rights, titles and interests with respect to all elements of the Services, as well as all intellectual property rights.

10.7. Visual interfaces, graphics (including, inter alia, all images and drawings associated with them), design, systems, methods, information, computer code, software, services, "appearance`", organization, compilation of content, the code, data and all other elements of the Site belong to WISY and are protected by the laws on copyright, corporate style, patents and trademarks, international conventions, other relevant intellectual property and property rights.

10.8. Except as expressly provided herein, the use of the Services shall not give the User ownership or any other rights in respect of any content, code, data or other material to which the User may access the Services.

11.1. The User agrees to use the Services only for lawful, appropriate purposes and in accordance with this Terms of Use.

11.2. The user does not and cannot allow any third party to:

• Send, upload, distribute any unlawful, defamatory, offensive, fraudulent, indecent or otherwise undesirable material;

• Spread viruses, worms, defects, trojan horses, damaged files, hoaxes or any other objects of destructive or misleading character;

• Impersonate another person (using an email address or otherwise);

• Upload, publish, transmit or otherwise make available through the Site any content that violates any party’s intellectual property rights;

• Use the Services to violate legal rights (such as privacy and publicity rights) of others;

• Engage in, promote or encourage illegal activities (including, inter alia, money laundering);

• Prevent other users from using the Site;

• Use the Site for any unauthorized commercial purposes;

• Modify, adapt, translate or reconstruct any part of the Services;

• Remove any notices of copyright, trademarks or other proprietary rights contained on the Services or any part thereof;

• Reformat or frame any part of the Services;

• Display on the Services any content related to hatred or violence, or contains any other material, products or services that violate or encourage conduct that violates any criminal laws, any other applicable laws or any rights of third persons;

• Create user accounts automatically or under false or fraudulent pretexts;

• Access or use the Services to create a product or service that is competitive with any of the Services.

12.1. Services may include hyperlinks to other sites or resources ("External Sites").

12.2. WISY does not control any External Sites.

12.3. The User acknowledges and agrees that WISY is not responsible for the availability of any External Sites, nor does it support any advertisement, products or other materials placed on any External Sites.

12.4. The User acknowledges and agrees that WISY shall not be liable for any loss or damage that may be incurred as a result of the availability or unavailability of the External Sites or as a result of the User’s confidence in the completeness, The accuracy or existence of any advertisement, product or other material placed on any External Sites.

13.1. Please refer to our Anti-Money Laundering Policy at Aml Policy . This Policy is essential and provides additional regulations applicable to your access to and use of the Site and Apps.

14.1. Despite the fact that we intend to provide accurate and timely information on Services, it may not always be completely accurate, complete or up-to-date, and may also contain technical inaccuracies or typographical errors. The Services and the components of the Services are offered solely for informational purposes; the Services are not responsible for the accuracy, usefulness or availability of any information transmitted or provided through the Site and is not responsible for any errors or omissions in this information.

14.2. By using the Services, you agree that WISY is in no way responsible for any consequences arising from the use of the information provided by the Services.

14.3. We do not accept any responsibility for any damage or outages caused by any computer viruses, spyware, scaremongers, Trojan horses, worms or other malicious programs that may affect your computer or other equipment, as well as any phishing, spoofing or other attacks. We recommend that you regularly use reputable and easily accessible software to check and prevent viruses.

14.4. Despite the fact that WISY takes all necessary and reasonable measures to maintain the functionality of the Site, using it Users do so at their own risk. The Service is provided without any warranties, representations and warranties, express or implied, provided by law with respect to the software or sites, including, but not limited to, warranties or Terms of Uses of quality, performance, non-infringement, merchantability and fitness for a particular purpose. WISY does not represent or warrant that the Site or any other software associated with it will always be available, uninterrupted, timely, secure, accurate, complete and error-free, or will work without loss of packages.

14.5. WISY is not responsible for:

• Loss of any actual or expected profit, income or any indirect, special, incidental or consequential damages and missed opportunities;

• Any indirect, special, incidental or consequential damages;

• Any damage or corruption of data (direct or indirect);

• Loss of business reputation (direct or indirect).

15.1. We are not responsible for delays, malfunctions or Service interruptions that are directly or indirectly caused by any cause or condition beyond our reasonable control, including, but not limited to, any delay or failure due to any natural disaster, actions of civil or military authorities, actions of terrorists, civil unrest, war, strikes, labor disputes, fires, interruptions in telecommunications or Internet services or network provider services, failure of equipment and/or software, other disasters or any other incidents beyond our reasonable control and not affecting the validity and applicability of any other provisions.

16.1. WISY may suspend, restrict or terminate your access to any or all of the Services and/or deactivate or cancel your access to the Site if required by a valid subpoena, court order or binding order of a government authority; or we reasonably suspect that you are using our Site in connection with prohibited use or business; or the use of your account is the subject of any pending litigation, investigation or government proceeding, and/or we believe that there is an increased risk of non-compliance with laws or regulations related to your activities; or our service partners are unable to support your use; or you take any actions that WISY considers how to bypass control.

17.1. If you have any complaints regarding the this Terms of Use, please inform us at wisyhelp@gmail.com

17.2. We kindly ask that you first contact us to give us an opportunity to address any concerns.

18.1. We do not offer personalized guidance regarding our products or services. On occasion, we may furnish factual details, clarify transaction procedures, or outline potential risks. Nevertheless, the decision to utilize our products or services is entirely yours to make. Any communication or information provided by WISY should not be viewed as, or interpreted as, investment advice, financial advice, trading advice, or any other form of guidance. It is your sole responsibility to assess whether any investment, investment strategy, or associated transaction aligns with your individual investment goals, financial situation, and risk tolerance.

18.2. WISY does not operate as your broker, intermediary, agent, or advisor, and there exists no fiduciary connection or obligation between you and WISY regarding any trades, decisions, or activities you carry out using our Services. We do not oversee whether your utilization of the Services aligns with your financial aims and objectives. It is your responsibility to evaluate whether your financial means are suitable for the financial activities conducted with us and to gauge your risk tolerance in relation to the products and services you use.

18.3. You have no right to assign or transfer any of your rights or obligations under this Terms of Use without the prior written consent of WISY, including any rights or obligations related to the enforcement of laws or change of control. We may assign or transfer any or all of our rights or obligations under this Terms of Use, in whole or in part, without your consent or approval.

19.1. Please refer to our Cookie Policy at Cookie Policy Page . This Cookie Policy is essential for enabling you to navigate our Site and utilize features such as signing into your Account, moving between pages without losing previous actions, and remembering your preferences (such as language and region) to enhance overall performance.

20.1. The validity, interpretation and execution of this Terms of Use are subject to subordination and interpretation in accordance with the legislation of 238205.

20.2. If any provision of this Terms of Use or its application to any person or circumstance is declared invalid or unenforceable, the remainder of the Terms of Use or the application of this provision to other persons or circumstances should not be affected and remain in full force.

20.3. All disputes and disagreements that arise on any issues and threaten their rights and interests related to the drafting or application of this Terms of Use, or any costs, obligations under this Terms of Use or in relation to any action related to this Terms of Use, are subject to settlement through negotiations.

If you have any questions regarding this Policy, please do not hesitate to get in touch with us.

info@wisymoney.com

+66637709244

Suite 3, 1st Floor, La Ciotat Building, Mont Fleuri, Mahe, Seychelles

1.1. In accordance with the Policy, personal data of Users collected by WISY is processed in accordance with applicable regulations.

1.2. WISY in accordance with the applicable legal requirements, shall ensure the confidentiality of personal data and the implementation of appropriate technical and organizational measures to protect personal data from unauthorized access, disclosure, accidental loss, alteration, destruction, or other unlawful processing.

1.3. We strive to collect and process only data strictly required in the context of our relationships with (potential) customers, (future) partners, users/visitors of our Site and online resources to provide services within the Apps and the Site ("Services") and/or information for specific and legitimate purposes.

1.4. We post the Policy on the Site page in its most recent version. Please read it carefully and see below for information about how WISY collects, uses, and shares personal information, and your rights regarding this information. By accessing and/or using the Site you acknowledge that you have read, understand and agree to this Policy. If you do not agree with any provision of this Policy, you should not use our Site, Apps and Services.

1.5. This Policy is an integral part of the Terms of Use.

1.6. WISY reserves the right, at its sole discretion, to change this Policy at any time by publishing an updated version of the Policy on the Site.

1.7. The amended or updated version of this Policy comes into force from the moment it is published on the Site.1.8. Continuation of your use of the Site after the introduction of changes and/or additions to this Policy means acceptance and consent of the User with such changes and/or additions.

1.8. Continuation of your use of the Site after the introduction of changes and/or additions to this Policy means acceptance and consent of the User with such changes and/or additions.

2.1. The main purpose of WISY is to provide you with access to the Services. While providing services to you, in order to comply with applicable laws and improve the Service, we need to collect and store personal information about you.

2.2. Unless otherwise stipulated by law, you agree that we have the right to retain all the collected personal information for the duration you use our Services and for 5 (five) after you withdraw from it, and delete it if the data is no longer subject to a legal obligation to which WISY is subject to. The retention period may be extended for a period not exceeding 1 (one) year, provided there is a reasoned request from a competent authority.

2.3. We do not collect information from children or other people who are under 18 years old. If you are under 18 years old, you may not submit any personal data to us or subscribe for WISY.

2.4. WISY will collect and process the following data about you:

3.1. You may provide us with information about yourself when you register to use our Services, for example when you provide us with personal information.

3.2. This includes the information that you provide by continuing to use our Services, by participating in promotions or surveys, to improve the quality of our Site, to provide other services related to our activities, and to report problems with our Services.

3.3. The information you provide to us may include:

• Biographical information and contact information: your name, date of birth, place of birth, citizenship, personal description and photograph;

• Identification and verification information: passport, federal/state ID card, driver`s license, other identity documents;

• Financial information: credit card, debit card information, crypto payment information and other information that you provide voluntarily;

• Contact information: address, e-mail address, telephone number, geographical location.

4.1. With regard to your use of our Services, WISY may automatically collect the following information:

• Details of the transactions you carry out when using our Services, including wallet addresses, name of the recipient, transaction IDs, timestamps of transactions or events, transaction amounts, and digital signatures;

• Technical information, including the Internet protocol (IP) address used to connect your computer to the internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, and operating system;

• Information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through, and from our Site (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our customer support number.

5.1. WISY may receive information about you if you use any of the other Sites that we manage or other Services that we provide.

5.2. WISY may also receive information that you transmit to third parties when using the Site (for example, from an online payment service or from an organization that provides user verification).

6.1. When storing your personal information within network of computers, servers, other infrastructure and information technology, WISY keeps your personal information secure using industry-standard encrypted secure storage, has implemented a number of security measures to ensure that your information has not been lost, misused or altered, including, but not limited to:

• Physical Measures
  Materials containing your personal data will be stored in a locked place.

• Electronic Measures
  Computer data containing your personal data will be stored on computer systems and storage media that are subject to strict log-in restrictions.

• Management Measures
  Only authorized employees are permitted to come into contact with your personal data and such employees must comply with our internal confidentiality rules for personal data.

• Technical Measures
  Encryption technology may be used to transmit and store your personal data. We use various currently available security technologies and management systems to minimize the risks that your information may be disclosed, damaged, misused, accessed without authorization, disclosed without authorization, or altered. Our technical security team proactively monitors for abnormal and malicious activity on our servers and Site.

• Other Measures
  We endeavor to protect your information from unauthorized access, alteration, disclosure, or destruction of personal data we collect and store. We take various measures to ensure information security, including encryption of our communications with you; required two-factor authentication for all sessions; periodic review of our personal data collection, storage, and processing practices; and restricted access to your personal data on a need-to-know basis for our employees and vendors who are subject to strict contractual confidentiality obligations. Please note that it is impossible to guarantee 100% security of information. As such, WISY requests that you understand the responsibility to independently take safety precautions to protect your own personal information. You agree that WISY shall not be liable for any information leakage and other losses not caused by our intention or gross negligence, including but not limited to hacker attack, power interruption, or unavoidable technical failure, to the maximum extent permitted by applicable law. If you suspect that your personal information has been compromised, especially account and/or password information, please immediately contact us at wisyhelp@gmail.com.

7.1. We use the information we collect about you for the following purposes or in the following ways:

• To provide our Services
  WISY uses the information collected to carry out our obligations relating to you to provide you with information and Services. It includes using information to

• Deliver, maintain, and provide better Services;

• Verify your identity, create your account and update it;

• Provide transactions;
  We use the IP address and unique identifiers stored in your device’s cookies to help us authenticate your identity and activities and provide Services.

• To protect our Users
  WISY uses the information collected to carry out safety and security of the personal information and Services, to protect our Services, users accounts, and archives. It includes using information to:

• Safeguard, examine, react to, and discourage any deceitful, unauthorized, or unlawful actions;

• Supervise and confirm identity or service entry;

• Defend against unsolicited messages, malicious software, or security threats;

• Execute essential internal tasks to ensure the provision of our services, such as resolving software glitches and operational problems.

• Uphold our commitments with external parties and tackle infractions of our terms of use or other service agreements;

• Adhere to relevant laws and regulations;

• To protect against automated abuse such as spam, phishing, and DDoS attacks.

• To comply with legal and regulatory requirements
  With respect to the privacy and security of personal data, WISY will use the information in compliance with our legal obligations, government requests, and reasonable user-generated inquiries.

• For research and development purposes
  WISY actively measures and analyzes data for the administration of our Service and for internal operations, including troubleshooting, data analysis, testing, research, statistics and surveys, as well as to understand how you use our Services and interact with them. This review is carried out by our operational teams in order to continuously improve the Site and eliminate problems with the user interface. In addition, WISY uses such information to configure, measure and improve the operation of the Site, as well as to develop new Services. We constantly monitor information about activity in our systems and our communications with users in order to identify and quickly fix problems.

• To communicate with you
  We use personal information collected, like your phone number or email address. It includes using information to:

• Interact with you directly when providing customer support on a ticket;

• Keep you informed on logins, transactions, account security, and other aspects;

• Notify you about changes to our Services.
  Without collecting and processing your personal information for confirming each communication, WISY will not be able to respond to your submitted requests, questions, and inquiries. All direct communications are properly kept at WISY or WISY provider designated by WISY, to be reviewed for accuracy, kept as evidence, or used to perform other statutory or contractual obligations.

• To secure compliance with our terms and conditions
  The collected information is also used to:

• Continually and actively enforce our terms and conditions;

• To review, investigate, and prevent potentially prohibited or illegal activities.
  WISY reserves the right to suspend or terminate provision of any WISY to any user found to be engaged in activities that violate our terms and conditions.

• For marketing and advertising WISY may share your personal information with our marketing partners for the purposes of targeting, modeling, and/or analytics, as Well as marketing and advertising.

• For other purpose
  WISY may disclose your personal information for any other purpose you consent to.

8.1. When we process your personal data, we will rely on one of the following legal grounds for processing. We may process your personal data legally depending on the specific purpose for which we use your data.

• Performance of a contract
  This is when the processing of personal data is needed in order to perform our obligations under a contract (to provide Services) concluded with you.

• Legal obligation or for public interest
  WISY is obliged to process your personal data in accordance with applicable law and regulations. The purposes of processing include identity verification, prevention of money laundering and fraud, risk control measures, as well as providing information to a competent authority, government agency or law enforcement agency.

• Legitimate interests
  Where necessary, WISY may process personal data where there is a legitimate interest for us or a third party in pursuing commercial and business interests, except where such interests are overridden by your interests, fundamental rights, and freedoms.

• Your consent
  WISY may ask you for specific permission to process personal information for specific purposes. your data will be processed in this way if you agree to this. Where the legal basis is the consent you provided, you may withdraw your consent any time. The revocation of your consent will not affect the legality of the data processed prior to the revocation.

9.1. WISY receives your personal data in order to carry out requests, and provide Services, and perform our contractual and legal obligations.

9.2. We will not share personal data with third parties unless this is necessary for our legitimate business needs, to carry out requests, provide Services and/or as required or permitted by law. Third parties under these circumstances include:

• Service providers
  WISY will disclose personal data to third party partners and Service providers (processors) so they can process it on our behalf where required. These Service providers are required to provide sufficient assurances in accordance with data protection law. (e.g. being bound contractually to confidentiality and data protection obligations). We will only share personal data necessary for them to provide their Services

• Auditors, advisors, consultants
  We may disclose personal data for purposes and in the context of audits (e.g. external audits, security audits) to legal and other advisors in order to investigate security issues, risks, complaints, etc.

9.3. As such, personal data may be transferred and disclosed to:

• Money laundering and fraud prevention agencies, compliance and risk prevention. This is required in order to verify your identity, ensure protection against fraud, confirm eligibility for our Services /products;

• Banks (other credit and financial WISY institutions), and similar institutions. These enable us to provide our services;

• Payment systems, payment service providers, card processing companies. This allows us to provide our services;

• Data management, storage, archiving, cloud storage WISY providers;

• Companies assisting us with the provision of our services (e.g. Technological services, solutions, support such as support/maintenance/development of it applications, technology, site management, telephony/SMS services);

• Customer support WISY providers and marketing WISY providers;

• Administrative WISY providers;

• Auditing and accounting services and consultants;

• External legal advisors.

• Regulatory authorities, law enforcement, courts
  WISY may disclose personal data to comply with applicable legislation, regulatory obligations, to respond to requests of regulatory authorities, government and law enforcement agencies, courts, and court orders.

• Other persons
  Other recipients may be any natural persons, legal entities for which you ask your data to be transferred to (e.g. reference etc.) or give your consent to transfer personal data.

9.4. WISY may also disclose your data in circumstances such as the following:

• If we are under a duty to disclose or share your personal data in order to comply with any legal or regulatory obligation or request;

• In order to apply or enforce the terms and conditions or any other agreement in place in the context of our relationship and to investigate potential breaches;

• In order to protect our rights, safety, or property, or that of our customers or third parties/the public. This includes exchanging information with other companies and organizations for the purposes of money laundering, fraud prevention, and equivalent risks.

We retain the authority to employ various tracking tools, including cookies, pixels, web beacons, SDKs, and other tracking technologies, for the purpose of gathering data about your online activities, interactions with our website, applications, and other websites or applications, as well as for delivering personalized advertisements.

10.1. Cookies allow us to:

• Identify you as a customer.

• Gather information about your utilization of our products and services.

• Enhance the customization of our services and content to suit your preferences.

• Collect data about your computer or other access devices.

More detailed information about cookies is regulated by a separate document posted on the Site Cookie Policy page. Please observe the provisions of the Cookie Policy when considering issues related to cookies.

11.1. your personal data may be transferred to third countries or to international organizations if the transfer is necessary and has a legal basis as described in this document. Such transfers take place, for example:

• When it is necessary to carry out in the context of the Services;

• Under applicable law;

• On the basis of your instructions or consent.

In the context of data processing undertaken by third parties on our behalf. Such staff may be performing technical duties and support, duties related to processing of your orders, provision of support Services etc.

12.1. From time to time, we use systems to make suggestions or assist in decisions, including profiling, based on personal information we have, or that we are allowed to collect from other authorized sources about you.

This helps us ensure our decisions are quick, fair, efficient, and correct based on what we know. These automated processes can affect the products, WISYs or features we may offer you now or in the future.

The types of automated decisions we make may include:

• Customized Services: WISY has the capability to organize you into groups that share similar customer characteristics. This grouping is employed for the purpose of analyzing and gaining insights into our customer`s requirements, enabling us to make informed decisions. By doing so, we can develop products and services tailored to specific customer segments and effectively nurture our relationships with them;

• Fraud Detection: We use your personal information to assess the likelihood of your personal accounts being involved in fraudulent activities, money laundering, terrorist financing, or being subject to international sanctions. We have the ability to identify instances where an account is being utilized in a manner consistent with typical fraudulent behavior or in a manner that deviates from your usual patterns or those of your business. Should we identify a potential risk of fraud, we may opt to suspend activity on the accounts or deny access to them.

In accordance with the relevant data protection legislation, and subject to applicable laws, you have the potential right to access the information we possess about you. If you wish to exercise your right to access, or if you have any inquiries concerning how we utilize your personal information, please do`t hesitate to reach out to us.

Under certain conditions, you have the following rights:

• We can provide you with more detailed information about how we use your data.

• You can request a copy of the information you`ve provided to us.

• If any of your personal information is inaccurate, incorrect, or outdated, we can update it.

• You can ask us to delete personal information that is no longer necessary or no longer required by legal obligations.

• If processing relies on your consent, you have the right to withdraw that consent, resulting in the cessation of that particular processing.

• You can stop receiving direct marketing communications by contacting us or adjusting your notification preferences in your account settings.

• If we use entirely automated decision-making that has legal implications or significant effects, you can request information about the decision-making process and ask us to ensure the automated decision was made accurately. We may refuse this request in compliance with applicable law, including instances where revealing such information would compromise trade secrets or interfere with fraud prevention. However, in most cases, we will verify that the algorithm and source data are functioning correctly and without bias, or adjust the processing as required by law.

• You have the right to object to processing based on legitimate interests unless our reasons for processing outweigh any impact on your data protection rights.

• You can restrict how we use your information while a complaint is under investigation.

• Your ability to exercise these rights may be subject to specific exemptions that are in place to protect the public interest, such as the prevention or detection of criminal activities, and our own interests, including the preservation of legal privilege.

If you have any complaints regarding the use of your data, the exercise of your rights, please inform us at wisyhelp@gmail.com.

We kindly ask that you first contact us to give us an opportunity to address any concerns.

However, if you consider that we did not answer your questions or that your data protection or privacy rights have been violated, you may lodge a complaint with appropriate national data protection or other public authority, privacy officer.

WISY may occasionally include links to websites of our partner networks, advertisers, and affiliates. When you follow a link to any of these websites, please be aware that each of these sites has its own privacy policies, and we do not assume any responsibility for them. It`s advisable to review these policies before you provide any personal information to these websites.

If you have any questions regarding this Policy, please do not hesitate to get in touch with us.

info@wisymoney.com

+66637709244

Suite 3, 1st Floor, La Ciotat Building, Mont Fleuri, Mahe, Seychelles