Terms of Use

1.Acceptance of these terms

By accessing or using wisetackapply.com, you agree to these Terms of Use. If you do not agree, please do not use this website.

These terms govern your use of this website. They are separate from any loan agreement you may enter into. If you accept a financing offer, that loan agreement — not this page — governs your loan.

2.What this website is

This website provides information about pay-over-time financing for services, and a route to apply for it. Financing is subject to approval, and loans are issued by licensed lending partners rather than by this website.

Nothing on this website is an offer of credit. An offer exists only when it is presented to you, with its specific terms, after an application.

3.Not financial advice

Content on this website — including guides, comparisons, calculators, and articles — is general information for educational purposes. It does not take your individual circumstances into account and is not financial, legal, tax, or professional advice.

Comparisons with other providers are based on publicly available information at the time of writing and may become outdated. Always check a provider's current terms directly before making a decision.

4.Eligibility

To apply for financing you must be a resident of the United States, be at least 18 years old (19 where that is the age of majority), and be able to enter into a binding contract. Availability and terms vary by state.

5.Accuracy of information you provide

You agree that information you submit is accurate, current, and complete, and that you are authorised to provide it. Submitting false or misleading information may result in your application being declined and may constitute fraud.

6.Acceptable use

You agree not to:

• Use this website for any unlawful purpose or in violation of any applicable law
• Attempt to gain unauthorised access to any part of the site or its systems
• Interfere with, disrupt, or place undue load on the site
• Use automated means to scrape, harvest, or copy content without permission
• Impersonate another person or misrepresent your affiliation with anyone
• Introduce malicious code or attempt to circumvent security measures

7.Intellectual property

The content, design, and layout of this website are protected by intellectual property laws. You may view and print pages for your own personal, non-commercial use. You may not otherwise reproduce, distribute, or create derivative works without prior written permission.

Third-party names and trademarks referenced on this site are the property of their respective owners and are used for identification and comparison purposes only. Their use does not imply any affiliation or endorsement.

8.Third-party links

This website may link to third-party websites. We do not control those sites and are not responsible for their content, products, or privacy practices. A link is not an endorsement.

9.Calculators and examples

Payment examples and calculators on this website are illustrative and are provided to help you understand how repayment works. They are not offers of credit, quotes, or guarantees. Your actual terms depend on your creditworthiness, the amount financed, and the plan you accept.

10.Disclaimer of warranties

This website is provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.

11.Limitation of liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill arising from your use of, or inability to use, this website.

Nothing in these terms limits any liability that cannot be limited or excluded under applicable law.

12.Changes to these terms

We may revise these terms at any time. Changes take effect when posted, and the "last updated" date at the top of this page will be revised. Your continued use of the website after changes are posted constitutes acceptance of the revised terms.

13.Contact us