Wise Business Plans®
Terms Of Use

1. Acceptance, Eligibility & Permitted Use

These Terms of Use (“Terms”) govern your access to and use of wisebusinessplans.com and the websites, online tools, artificial intelligence features, content, resources, and other digital services made available by Wise Business Plans, LLC (“Wise Business Plans,” “Wise,” “we,” “us,” or “our”).

By accessing or using this website (the “Site”), you agree to these Terms and our Privacy Policy. If you do not agree to these Terms, you should not use the Site.

Purchases of Wise Business Plans professional services may also be governed by separate Terms & Conditions, proposals, engagement terms, order forms, statements of work, or other agreements. If there is a conflict concerning purchased professional services, the applicable service agreement or Terms & Conditions will control to the extent of that conflict.

Eligibility

By using the Site, you represent that you are at least eighteen (18) years of age and legally capable of entering into a binding agreement.

If you use the Site on behalf of a company, organization, or other entity, you represent that you have authority to act on behalf of that entity.

About Wise Business Plans

Wise Business Plans provides business planning, research, financial modeling, feasibility, strategic advisory, branding, website development, and related business services.

Our services may include, among other things:

• Business plans
• SBA and bank business plans
• Investor business plans
• Immigration business plans
• Feasibility studies
• Market and industry research
• Financial forecasting and modeling
• Pitch decks and investor materials
• Strategic planning
• Business valuation and transaction-related services
• M&A and business advisory services
• Fractional financial and strategic advisory services
• Branding and website development
• Business formation and business-building services
• Other business consulting and professional services

Descriptions of services on the Site are provided for general informational purposes. Specific scope, pricing, deliverables, timelines, and terms may vary by engagement.

Permitted Use of the Site

Wise grants you a limited, non-exclusive, non-transferable, revocable right to access and use the Site for lawful personal or business purposes consistent with these Terms.

You may view and use information made publicly available through the Site for the purpose of evaluating Wise Business Plans, learning about our services, communicating with us, or conducting legitimate business activities.

No ownership rights are transferred to you through your use of the Site.

2. Professional Services & Important Disclaimers

Professional Services

Information available on the Site does not itself create a professional services engagement.

A professional relationship with Wise Business Plans generally begins only when Wise accepts an engagement, order, proposal, or other agreement for services.

Professional services purchased from Wise may be subject to separate Terms & Conditions, payment requirements, project scopes, revision policies, cancellation provisions, timelines, client responsibilities, and other engagement-specific terms.

Nothing in these Terms modifies an executed agreement between you and Wise unless expressly stated.

No Legal, Tax, Accounting, Investment, Securities or Immigration Advice

Unless expressly stated otherwise in a written engagement, information provided through the Site is intended for general business and informational purposes.

Wise Business Plans is not a law firm, accounting firm, securities broker-dealer, investment adviser, immigration law firm, or financial institution.

Nothing on the Site should be interpreted as legal, tax, accounting, securities, investment, immigration, lending, or other regulated professional advice.

You should consult an appropriately licensed professional regarding matters requiring specialized professional advice.

Use of the Site does not create an attorney-client, accountant-client, fiduciary, investment advisory, lender-borrower, or similar regulated professional relationship.

No Guarantee of Results

Business decisions inherently involve risk.

Wise Business Plans does not guarantee that use of the Site, information provided through the Site, AI-powered features, or any Wise service will result in any particular outcome.

Without limitation, Wise does not guarantee:

• Approval for an SBA or conventional business loan
• Approval for financing or credit
• Receipt of investor funding
• Successful capital raising
• Immigration or visa approval
• Approval of an E-2, L-1A, EB-5, EB-2 NIW, or other immigration petition or application
• Receipt of a grant
• Approval of a business license or permit
• Successful acquisition or sale of a business
• Achievement of a particular business valuation
• Revenue, profitability, growth, or market performance
• Acceptance of a business plan, feasibility study, valuation, forecast, or other work product by a third party
• Any particular commercial, regulatory, financial, or business result

Decisions concerning financing, investment, immigration, licensing, regulatory matters, and other third-party approvals are made independently by the applicable lenders, investors, government agencies, regulators, or other decision-makers.

3. Wise AI Business Advisor™ & Submitted Materials

Wise AI Business Advisor™ & AI-Powered Features

The Site may include the Wise AI Business Advisor™ and other artificial intelligence, automated, conversational, or machine-assisted features.

These features are intended to provide general information, help users navigate Wise services, assist with business-related questions, and improve the website experience.

AI-generated information does not constitute professional advice and does not replace consultation with an appropriately qualified professional.

Information Submitted to AI & Chat Features

When using AI, chat, contact forms, or other interactive features, you are responsible for the information you submit.

You should not submit confidential, proprietary, legally privileged, financial account, identification, health, or other highly sensitive information unless it is reasonably necessary for the service you are requesting and you are authorized to provide it.

By submitting information, you represent that you have the right to provide that information and that doing so does not violate applicable law or the rights of another person or organization.

Information submitted through these features is handled in accordance with our Privacy Policy and applicable agreements.

User Submissions & Uploaded Materials

The Site may allow you to submit or upload documents, files, text, images, business information, financial information, or other materials.

You retain ownership of materials you lawfully submit.

By submitting materials to Wise, you grant Wise and service providers acting on our behalf the limited rights reasonably necessary to receive, store, process, analyze, reproduce, and use those materials for purposes of:

• Providing requested services
• Responding to your inquiries
• Operating Site features
• Communicating with you
• Providing customer support
• Maintaining security
• Performing our contractual obligations

You represent that you have all rights, permissions, and authority necessary to submit the materials.

You may not submit materials that infringe intellectual property rights, privacy rights, confidentiality obligations, contractual restrictions, or applicable law.

4. Intellectual Property & Automated Access

Intellectual Property

Unless otherwise indicated, the Site and its content are owned by or licensed to Wise Business Plans and are protected by applicable intellectual property laws.

Protected materials may include:

• Wise Business Plans® names and trademarks
• Logos and branding
• Website design and graphics
• Written content
• Articles and educational resources
• Business planning methodologies
• Research and reports
• Templates
• Videos
• Images
• Software and website functionality
• Databases and compilations
• Proprietary tools and processes
• Other original materials

Except as expressly permitted by Wise or applicable law, you may not copy, reproduce, republish, distribute, sell, license, modify, create derivative works from, or commercially exploit protected Site content.

Automated Access, Scraping, Data Mining & AI Training

Unless expressly authorized in writing by Wise Business Plans, you may not use automated systems, bots, crawlers, scrapers, extraction tools, artificial intelligence systems, or similar technologies to systematically access, collect, reproduce, extract, download, index, or reuse Site content.

Without our prior written permission, Site content may not be used to:

• Train or develop artificial intelligence or machine-learning models
• Build or enhance large language models
• Create commercial datasets
• Develop competing products or services
• Populate databases or information repositories
• Systematically reproduce Wise research or content
• Extract proprietary business information
• Circumvent technical restrictions intended to protect the Site

This provision does not prohibit ordinary indexing by legitimate search engines in accordance with generally accepted web standards and our technical permissions.

5. Prohibited Uses, Accounts & Security

Prohibited Uses

You may not use the Site to:

• Violate applicable law or regulation
• Commit fraud or engage in deceptive activity
• Impersonate another person or organization
• Infringe intellectual property, privacy, or other rights
• Introduce malware, viruses, malicious code, or harmful technology
• Attempt unauthorized access to the Site, accounts, servers, databases, or systems
• Interfere with Site security or operation
• Circumvent access controls or security measures
• Harvest personal information without authorization
• Send unlawful spam or unsolicited communications through the Site
• Use Site resources for unlawful or abusive purposes
• Misrepresent your relationship with Wise Business Plans
• Attempt to reverse engineer Site software or proprietary technology except where expressly permitted by law
• Use the Site in a manner that could damage Wise Business Plans or other users

Accounts & Security

Certain portions of the Site may require an account, login credentials, or other authentication.

You are responsible for maintaining the confidentiality of your login credentials and for activity conducted through your account.

You agree to provide accurate information and promptly notify Wise if you become aware of unauthorized access or a security issue involving your account.

Wise may suspend or terminate access where reasonably necessary to protect the Site, users, systems, or our business interests.

6. Website Information, Forecasts & Results

Website Information

Wise makes reasonable efforts to provide useful and accurate information.

However, business, economic, financial, regulatory, immigration, lending, industry, and market information can change rapidly.

We do not warrant that all Site information will always be complete, accurate, current, or applicable to your particular circumstances.

You are responsible for independently evaluating information before making significant decisions based upon it.

Financial Projections, Market Research & Forecasts

The Site may contain or discuss forecasts, estimates, financial projections, market data, economic information, industry research, or forward-looking information.

Such information inherently involves assumptions and uncertainty.

Actual results may differ materially from estimates or projections because of economic conditions, competition, management decisions, financing conditions, regulatory developments, consumer behavior, market changes, and other factors.

Nothing presented through the Site should be interpreted as a guarantee of future financial or business performance.

Testimonials, Reviews, Case Studies & Results

The Site may contain testimonials, reviews, case studies, client experiences, transaction examples, funding-related information, or other descriptions of past results.

These examples are provided for informational purposes and do not guarantee that another customer will achieve the same or similar results.

Individual outcomes vary according to numerous factors outside Wise Business Plans’ control.

7. Third-Party Websites, Services & Data

Third-Party Websites & Services

The Site may contain links to or integrations with third-party websites, platforms, products, services, information providers, or other resources.

These links are provided for convenience and informational purposes.

Wise does not control and is not responsible for the availability, content, privacy practices, security, accuracy, products, services, or conduct of independent third parties.

Your interactions with third-party websites and services are governed by the applicable third party’s own terms and policies.

Third-Party Information & Data

Wise may reference or incorporate information obtained from government agencies, research providers, industry sources, public databases, third-party publications, or other external sources.

While we may consider such sources reliable, Wise does not independently guarantee the accuracy, completeness, or continued availability of third-party information.

Third-party trademarks and content remain the property of their respective owners.

8. Purchases, Payments, Privacy & Copyright

Purchases & Payments

Purchases of Wise Business Plans services may be subject to separate Terms & Conditions, proposals, invoices, statements of work, payment schedules, and engagement-specific agreements.

You agree that information supplied in connection with a purchase will be accurate and complete and that you are authorized to use the selected payment method.

Applicable service Terms & Conditions govern matters such as deposits, installment payments, cancellations, refunds, revisions, project timelines, client responsibilities, and delivery of professional services.

Privacy

Your use of the Site is also subject to the Wise Business Plans Privacy Policy.

Our Privacy Policy describes how we collect, use, disclose, and protect personal information and explains applicable privacy choices and rights.

The Privacy Policy is incorporated into these Terms by reference.

Copyright Infringement

Wise Business Plans respects the intellectual property rights of others.

If you believe material appearing on the Site infringes your copyright or other intellectual property rights, please contact us and provide sufficient information to identify the material and evaluate your request.

Copyright Contact: [email protected]

9. Warranties, Liability, Indemnification & Disputes

Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SITE, SITE CONTENT, ONLINE TOOLS, AI-POWERED FEATURES, AND INFORMATION AVAILABLE THROUGH THE SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

WISE BUSINESS PLANS DISCLAIMS WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, TO THE EXTENT SUCH WARRANTIES MAY LAWFULLY BE DISCLAIMED.

WE DO NOT WARRANT THAT THE SITE WILL ALWAYS BE AVAILABLE, SECURE, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WISE BUSINESS PLANS AND ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, AFFILIATES, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES ARISING FROM OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE SITE.

THIS MAY INCLUDE LOSS OF PROFITS, REVENUE, BUSINESS OPPORTUNITY, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WISE BUSINESS PLANS’ AGGREGATE LIABILITY ARISING SOLELY FROM YOUR USE OF THE SITE WILL NOT EXCEED THE GREATER OF $100 OR THE AMOUNT, IF ANY, YOU PAID SPECIFICALLY FOR ACCESS TO THE SITE DURING THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

Liability relating to purchased professional services may be governed by the applicable Terms & Conditions, proposal, engagement agreement, or other contract.

Some jurisdictions do not permit certain exclusions or limitations of liability. In such jurisdictions, these provisions apply only to the maximum extent permitted by law.

Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Wise Business Plans and its owners, officers, directors, employees, agents, contractors, and affiliates from claims, liabilities, losses, damages, costs, and expenses arising from:

• Your unlawful use of the Site
• Your material violation of these Terms
• Materials you submit in violation of another person’s rights
• Your infringement of intellectual property, privacy, or other legal rights

This provision does not require indemnification for conduct for which indemnification cannot lawfully be required.

Suspension or Termination

Wise may suspend, restrict, or terminate access to all or part of the Site if we reasonably believe that:

• These Terms have been violated
• The Site is being misused
• Fraudulent or unlawful activity may be occurring
• Site security or operations are threatened
• Suspension or termination is reasonably necessary to protect Wise, our customers, or others

Provisions that by their nature should survive termination will remain effective.

Governing Law

These Terms are governed by the laws of the State of Nevada, without regard to conflict-of-law principles, except where applicable law requires otherwise.

Subject to the dispute-resolution provisions below and applicable law, disputes relating to these Terms or use of the Site will be resolved in Clark County, Nevada.

Dispute Resolution & Arbitration

Except where prohibited by applicable law or where another written agreement between you and Wise provides otherwise, disputes arising from or relating to these Terms or use of the Site that cannot be resolved informally may be resolved through binding individual arbitration.

Arbitration will take place in Clark County, Nevada, unless the parties agree otherwise or applicable law requires another location or method.

Arbitration will be conducted on an individual basis and not as a class, collective, consolidated, or representative proceeding, except where such restriction is prohibited by applicable law.

Nothing in this section prevents either party from seeking appropriate relief in small claims court where jurisdictional requirements are satisfied or seeking temporary or injunctive relief concerning intellectual property, unauthorized access, security, or misuse of the Site where permitted by law.

The arbitration process, allocation of fees, and other procedural matters will be governed by the applicable arbitration rules and law.

If any portion of this arbitration provision is found unenforceable, the remaining enforceable provisions will continue to apply to the maximum extent permitted by law.

Changes to These Terms

Wise Business Plans may update these Terms periodically to reflect changes to the Site, our services, technology, business practices, or applicable legal requirements.

When these Terms are updated, the “Last Updated” date will be revised.

Your continued use of the Site following the effective date of updated Terms constitutes acceptance of the revised Terms to the extent permitted by applicable law.

Severability

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will remain in effect.

No Waiver

Failure by Wise Business Plans to enforce a provision of these Terms does not constitute a waiver of that provision or our right to enforce it later.

Entire Agreement Regarding Site Use

These Terms, together with the Privacy Policy and any other policies expressly incorporated by reference, constitute the agreement between you and Wise regarding general use of the Site.

Separate agreements governing purchased professional services remain independently enforceable according to their terms.

10. Contact Information

If you have questions regarding these Terms of Use, please contact Wise Business Plans.