Terms of Use -- Welcome

Effective date: November 9, 2026

Welcome to Wise Savings (the Site), the website of WiseSavings, LLC (Wise Savings, we, or us). Wise Savings provides access to financial savings opportunities, health and other insurance providers, and other offers that may appeal to those considering or entering retirement.

By using the Wise Savings Services, you accept the terms and restrictions described in these Terms. If you do not agree to any of these terms, please do not use the Services, because you will be held to them. We sometimes change our Terms to accurately reflect our Services and practices and will post revised versions of our Terms on the Site.

Health and Medicare Supplement Insurance: By clicking Get My Quotes, I agree to the these Terms of Service and Privacy Policy and authorize insurance companies, their agents and marketing partners to contact me about health insurance and other non-insurance offers by telephone calls, email and text messages to the number and email address I provided above. I agree to receive telemarketing calls, and pre-recorded messages via an autodialed phone system, even if my telephone number is a mobile number that is currently listed on any state, federal or corporate “Do Not Call” list. I understand that my consent is not a condition of purchase of any goods or services and that standard message and data rates may apply.

Your Contact Information and Eligibility

We cannot contact you through Site or complete your request for information without your contact details and certain background information necessary to identify opportunities that may be well-suited for you. By submitting your information through our Site, you understand that we will contact you directly (by phone, SMS text, email, or other method, depending on the information you provide and the options you choose on the Site) to complete the next steps of the qualification process to determine your eligibility for certain offers. By submitting your information, you understand and agree that if the phone number you provide is for a mobile phone, we may contact you using an auto-dialer, prerecorded or artificial voice message, or SMS text message. You also understand that your mobile carrier may charge message or data fees. Any information submitted through the Site or our Services will be managed in accordance with our Privacy Policy.

SMS Messaging

1. When you opt-in to the service, we will send you a message to confirm your signup. Message and data rates may apply. Message frequency varies. Text “HELP” for help. Text “STOP” to cancel.
2. You can cancel this service at any time. Just text “STOP” to 42418 or +14693421276. After you send the message “STOP” to us, we will send you a reply message to confirm that you have been unsubscribed. After this, you will no longer receive messages from us. If you want to join again, just sign up as you did the first time and we will start sending messages to you again. (Message frequency varies)
3. If at any time you forget what keywords are supported, just text “HELP” to 42418 or +14693421276. After you send the message “HELP” to us, we will respond with instructions on how to use our service as well as how to unsubscribe.
4. Participating carriers: AT&T, Verizon Wireless, Sprint, T-Mobile, U.S. Cellular, Boost Mobile, MetroPCS, Virgin Mobile, Alaska Communications Systems (ACS), Appalachian Wireless (EKN), Bluegrass Cellular, Cellular One of East Central, IL (ECIT), Cellular One of Northeast Pennsylvania, Cricket, Coral Wireless (Mobi PCS), COX, Cross, Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri), Illinois Valley Cellular, Inland Cellular, iWireless (Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man), Mosaic (Consolidated or CTC Telecom), Nex-Tech Wireless, NTelos, Panhandle Communications, Pioneer, Plateau (Texas RSA 3 Ltd), Revol, RINA, Simmetry (TMP Corporation), Thumb Cellular, Union Wireless, United Wireless, Viaero Wireless, and West Central (WCC or 5 Star Wireless).
5. T-Mobile is not liable for delayed or undelivered messages.
6. As always, message and data rates may apply for any messages sent to you from us and to us from you. If you have any questions about your text plan or data plan, it is best to contact your wireless provider. For all questions about the services provided by this short code, you can send an email info@wisesavings.com.
7. If you have any questions regarding privacy, please read our privacy policy.

Use of Our Services

Our Services are for your personal use only. You agree to tell us the truth in the information you provide, to obey the law, and that you will not sign up for our Services for business purposes. If you comply with this agreement and these Terms, you can use the Services and you may qualify for participation in one or more clinical trials. Using the Services in any other way than described in this paragraph may violate copyright and other laws or regulations and you may be subject to liability for such unauthorized use.

To this end, you may not access the Services in an unauthorized fashion or use automated programs to scrape information off of our Site or for any other purpose. You can’t reverse engineer the Services or access the source or metadata for any reason. You may not interact with other Site users or attempt to discover the identities or preferences of any other Site users. You agree not to damage or slow the workings of the Site or Services in any way.

Information on the Site

The content of the Site is provided solely for general informational purposes. We do not provide financial or similar professional advice through the Site, and the information set forth herein or therein is not intended to, and should not, replace financial advice provided by your CPA or other financial professionals. We have no control over sites we link to, and their information may change without our knowledge. Any information you provide is no guarantee that you will qualify for any offers or guarantee of specific financial results or outcomes.

Intellectual Property

We give you a limited license and access rights to the Site, based on your honest participation. We own the Site, including code and all aspects of “look and feel” of the Site, and have an interest in any information you give us.

We and our licensors and service providers reserve and shall retain their entire right, title, and interest in and to the Services, including, without limitation, all copyrights, trademarks, and other intellectual property rights, except as expressly granted to you in these Terms. You shall not (i) alter any trademarks or any notices of copyright, trademark, patent or other intellectual property or proprietary rights from the Site, or (ii) make commercial use of the Site or the Services.

Access and Termination

You may access the Site over the internet, but Wise Savings is not responsible for any costs you may incur to do so. You consent to receiving information from us by electronic means, and if you provide your telephone number you consent to us calling you at that number. We may terminate your access to this Site and its benefits at any time for any reason or no reason.

Warranties, Disclaimers and Limitations of Liability

Your use of the Services is at your sole risk. The Site and Services are provided “as is.”

OTHER THAN AS EXPRESSLY SET OUT IN THESE TERMS OR ADDITIONAL TERMS, WE DO NOT MAKE ANY SPECIFIC PROMISES ABOUT THE SERVICES. FOR EXAMPLE, WE DON’T MAKE ANY COMMITMENTS ABOUT THE CONTENT WITHIN THE SERVICES, THE SPECIFIC FUNCTIONS OF THE SERVICES, THEIR FREEDOM FROM VIRUSES OR MALICIOUS CODE, OR THEIR RELIABILITY, TIMELINESS, ACURACY, AVAILABILITY, OR ABILITY TO MEET YOUR NEEDS. WE DON’T PROMISE TO CORRECT ANY ERRORS.

SOME JURISDICTIONS PROVIDE FOR CERTAIN WARRANTIES, LIKE THE IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. TO THE EXTENT PERMITTED BY LAW, WE EXCLUDE ALL WARRANTIES.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL WE HAVE ANY LIABILITY ARISING FROM OR RELATED TO THESE TERMS OR YOUR USE OF OR INABILITY TO USE THE SERVICES FOR: (a) ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, SPECIAL, OR PUNITIVE DAMAGES; OR (b) DIRECT DAMAGES IN AMOUNTS THAT IN THE AGGREGATE EXCEED FIFTY DOLLARS (USD $50.00). ANY CLAIM RELATED TO THE SERVICES AND/OR THESE TERMS MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM AROSE.

Indemnification

You agree to indemnify, defend and hold us harmless from and against any and all losses, damages, claims, expenses and liabilities of any kind, including attorneys’ fees, arising from or relating to your access (or lack of access) and use of the Site and Services, your violation of these Terms or violation of law or third-party right, and any other negligent or wrongful conduct by you.

Disputes
You and we each agree that any and all disputes or claims that have arisen or may arise between you and us relating in any way to or arising out of this or previous versions of this Agreement (including these Terms and our Privacy Policy), your use of or access to our Services or the Website, or any products or services sold, offered, or purchased through our Services, including any claims involving our clients, vendors, and Marketing Partners (each a third-party beneficiary of this Agreement to Arbitrate), shall be resolved exclusively through final and binding arbitration, rather than in court. This Agreement to Arbitrate applies only if you have affirmatively accepted these Terms of Service (for example, by clicking an "I Accept" or "Submit" checkbox when completing an intake form or registering an account on the Website). The Federal Arbitration Act governs the interpretation and enforcement of this Dispute Resolution section (this "Agreement to Arbitrate"), and this Agreement to Arbitrate is governed by the laws of the State of Delaware without regard to conflict-of-laws principles. As used in this Dispute Resolution section, "we," "us," and "our" means Wise Savings.

Notice of Dispute; Informal Resolution

Before either party initiates arbitration, the party asserting a claim must provide the other a written Notice of Dispute to privacy@wisesavings.com. The Notice must be signed personally by the claiming party (a scanned or electronic signature is acceptable) and must include: (a) the claiming party's full legal name, email address, physical address, and telephone number associated with the intake form or account; (b) a detailed description of the nature and facts underlying the dispute; and (c) the specific relief sought, calculated on an individualized basis. Following receipt of a compliant Notice of Dispute, the parties shall attempt in good faith to resolve the dispute informally for sixty (60) days, and no party may initiate formal arbitration before that period expires. Any applicable statute of limitations shall be tolled from receipt of a compliant Notice of Dispute until the earlier of (i) initiation of a formal arbitration demand or (ii) written termination of the informal resolution period by either party.

Prohibition of Class and Representative Actions and Non-Individualized Relief

YOU AND WE AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND WE AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON'S OR PARTY'S CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING, WHETHER IN COURT OR IN ARBITRATION. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY'S INDIVIDUAL CLAIM(S). ANY RELIEF AWARDED CANNOT AFFECT OUR OTHER USERS. THIS PROVISION IS A MATERIAL, INDEPENDENT TERM OF THIS AGREEMENT TO ARBITRATE.

Arbitration Provisions

Arbitration is more informal than a lawsuit in court. There is no judge or jury in arbitration, and court review of an arbitration award is very limited. However, an arbitrator can award the same damages and relief on an individual basis that a court can award to an individual. An arbitrator should apply the terms of this Agreement as a court would.

The arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve any dispute arising out of or relating to the interpretation, applicability, enforceability, or formation of this Agreement to Arbitrate, any part of it, or of this Agreement, except that any dispute concerning the scope or validity of this delegation of authority shall be decided by a court of competent jurisdiction. Nothing in this Agreement to Arbitrate waives or limits either party's right to challenge its enforceability in a court of competent jurisdiction as permitted by applicable law.

The arbitration will be conducted by the American Arbitration Association ("AAA") in accordance with the AAA Consumer Arbitration Rules and, where applicable, the AAA Streamlined Arbitration Rules and Procedures and the AAA Mass Arbitration Supplementary Procedures, in each case as in effect at the time the arbitration demand is filed. If the AAA is unwilling or unable to administer the arbitration, it shall be administered by JAMS in accordance with the JAMS Arbitration Rules and Minimum Standards of Procedural Fairness; if JAMS is likewise unwilling or unable, by an administrator mutually agreed by the parties or, absent agreement within fifteen (15) days, appointed by a court of competent jurisdiction. The AAA's rules and a form for initiating arbitration proceedings are available at www.adr.org.

The arbitration shall be held in Austin, Texas and the proceedings shall be English. Hearings, including the final hearing, may be conducted by telephone or videoconference, and the arbitrator may conduct all other proceedings remotely. If the value of the relief sought is $10,000 or less, you or we may elect to have the arbitration conducted by telephone or based solely on written submissions, which election shall be binding on you and us subject to the arbitrator's discretion to require an in-person hearing if the circumstances warrant.

The arbitrator will decide the substance of all claims in accordance with the laws of the State of Delaware, including recognized principles of equity, and will honor all claims of privilege recognized by law. The arbitrator shall not be bound by rulings in prior arbitrations involving our other users, but is bound by rulings in prior arbitrations involving the same user to the extent required by applicable law. The arbitrator may award any remedy that a court of competent jurisdiction could award, including individualized declaratory, equitable, or injunctive relief. The arbitrator's award shall be final and binding, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. Either party may apply to a court of competent jurisdiction for a temporary restraining order, preliminary injunction, or other interim relief to preserve the status quo pending completion of the arbitration, without breach of this Agreement to Arbitrate and without prejudice to the arbitrator's authority over the merits.

Costs of Arbitration

Each party shall bear its own attorneys' fees and expenses, except as required by applicable law, the arbitrator's award, or the administrator's rules. Filing, administration, and arbitrator fees shall be allocated in accordance with the applicable consumer rules of the selected administrator, and we shall have no obligation to pay any fee not allocated to us under those rules. A party who demonstrates financial inability to pay any required fee may seek a waiver from the administrator or a fee-shifting determination from the arbitrator. Our payment of fees allocated to us is conditioned on (a) the claimant's prior delivery of a compliant Notice of Dispute and completion of the informal resolution period, and (b) the arbitration proceeding in accordance with this Agreement to Arbitrate, including Mass Filing Coordination. If the value of the relief sought is more than $10,000 and the claimant demonstrates that arbitration would be cost-prohibitive compared to litigation, we will pay the portion of filing, administration, and arbitrator fees the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. If the arbitrator determines any claim asserted is frivolous, the claimant shall reimburse us for all fees we paid on the claimant's behalf that the claimant otherwise would owe under the administrator's rules.

Mass Filing Coordination

If twenty-five (25) or more similar Notices of Dispute are asserted against us within any ninety (90) day period by or with the assistance of the same law firm, group of law firms, or coordinated organization (a "Mass Filing"), the parties' respective counsel shall confer in good faith to coordinate resolution in sequential batches of up to fifty (50) claims per batch (with a final batch containing any remainder), and: (a) claimants' counsel shall certify, for each claim, that the Notice of Dispute was personally and individually signed by the claimant, was individually investigated and customized, and does not duplicate another pending claim; (b) only one batch shall be filed and advanced toward merits proceedings at a time, with subsequent batches filed after the prior batch reaches final resolution, settlement, or withdrawal, unless the parties agree otherwise; (c) no party or counsel shall be obligated to pay filing, administrative, or arbitrator fees for any batch that has not yet been filed, to the extent consistent with the administrator's applicable mass arbitration procedures and fee schedule; and (d) statutes of limitations for all claims in a Mass Filing shall be tolled from service of a compliant Notice of Dispute until the claimant's batch is cleared to be filed in arbitration.

Opt-Out Right

You may opt out of this Agreement to Arbitrate, including the Prohibition of Class and Representative Actions and Non-Individualized Relief, by delivering written notice to privacy@wisesavings.com within thirty (30) days after the date you affirmatively accept these Terms (for example, by clicking "I Accept" or "Submit"). The notice must state your full legal name, the email address or account associated with your intake form or registration, and that you opt out of this Agreement to Arbitrate. If you timely opt out, your disputes shall be resolved exclusively in the state or federal courts described under "Judicial Forum for Legal Disputes" below.

Severability

If an arbitrator or court decides that any part of this Agreement to Arbitrate (other than the Prohibition of Class and Representative Actions and Non-Individualized Relief) is invalid or unenforceable, that part shall be severed and the other parts of this Agreement to Arbitrate shall still apply. The Prohibition of Class and Representative Actions and Non-Individualized Relief is a material, independent term that shall survive and remain enforceable to the maximum extent permitted by law; if it is held unenforceable as to a particular dispute, that dispute shall proceed in a court of competent jurisdiction, and the remainder of this Agreement to Arbitrate shall continue to apply.

Future Changes to the Agreement to Arbitrate

Notwithstanding any provision in the Agreement to the contrary, you and we agree that if we make any change to this Agreement to Arbitrate (other than a change to any notice address or site link provided herein) in the future, that change shall not apply to any claim that was filed in a legal proceeding against us prior to the effective date of the change. The change shall apply to all other disputes or claims governed by the Agreement to Arbitrate that have arisen or may arise between you and us. We will notify you of changes to this Agreement to Arbitrate by posting the amended terms on our Services at least 30 days before the effective date of the changes and/or by email.

Judicial Forum for Legal Disputes

Unless you and we agree otherwise, in the event that the Agreement to Arbitrate above is found not to apply to you or to a particular claim or dispute as a result of a decision by the arbitrator or a court order, including as a result of your timely opt-out, you agree that any claim or dispute that has arisen or may arise between you and us must be resolved exclusively by a state or federal court located in Austin, Texas (Travis County). You and we agree to submit to the personal jurisdiction of the courts located within Austin, Texas for the purpose of litigating all such claims or disputes. You also agree that: (i) our Services shall be deemed solely based in the State of Texas; and (ii) our Services shall be deemed passive Services that do not give rise to personal jurisdiction over us and our assigns, either specific or general, in jurisdictions other than the State of Texas.

The dispute resolution provisions of our Terms of Service and our Privacy Policy are identical and constitute one and the same provision. In the event of any discrepancy between them, the version in the Terms of Service controls.

General Legal

These Terms, together with our Privacy Policy constitute the entire agreement between you and us regarding the Services. If any provision of these Terms is found to be illegal, invalid or unenforceable by a court of competent jurisdiction, such provision will be deleted from these Terms and the remaining provisions will continue with full force and effect. No failure to exercise, and no delay in exercising, on the part of either party, any right or any power under these Terms will act as a waiver thereof. These Terms and the relationship between you and us will be governed and construed in accordance with the laws of Delaware, without regard to conflict-of-laws principles and you agree to submit to the personal jurisdiction and venue of the courts of Delaware. The Services are operated out of the United States. We make no representation that the Services, or content or information available via the Services, is appropriate or available for use outside of the United States, and access to it from jurisdictions where the content is illegal is prohibited. Those who choose to access the Services from outside the United States do so at their own initiative and are responsible for compliance with all applicable local laws.

Contact Us

If you have any questions about these Terms or our Services, including if you feel your copyright has been violated, please feel free to contact us:

Email: help@wisesavings.com

Phone: (469) 442-0641

Mail: 7701 Lemmon Ave, Ste 260-2003, Dallas, TX 75209