Terms of Service

These Terms of Service govern your access to and use of the WiseMonie website and mobile application, which are operated by OLX Digital Services.

By accessing or using WiseMonie, you agree to these Terms.

Nature of the Service

WiseMonie is a personal finance management and budgeting tool designed to help users organize, track, and manage personal finances.

WiseMonie does not provide banking, lending, investment, or insurance services.

Website Use

The WiseMonie website is provided for informational purposes only. No financial transactions, account creation, or budgeting activities are performed on the website.

Payments and Transfers

Payments and transfers initiated through the WiseMonie mobile application are processed by licensed third-party payment service providers and partner financial institutions.

OLX Digital Services does not process, hold, or control customer funds and is not responsible for delays, failures, or errors caused by third-party payment providers.

User Responsibilities

Users agree to:

• Provide accurate and lawful information when using the app
• Use WiseMonie only for lawful purposes
• Refrain from fraudulent, abusive, or unauthorized activities

Limitation of Liability

OLX Digital Services shall not be liable for financial losses, damages, or decisions made by users based on budgeting insights or third-party payment services accessed through WiseMonie.

Termination

We reserve the right to suspend or terminate access to WiseMonie if these Terms are violated.