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549 Jefferson Ave, Elizabeth, NJ 07201, USA Mon – Fri, 9:00 am – 6:00 pm EST
+1 908-353-7443 | contact@wisemoneycredit.com

Terms and Conditions

The rules that govern your use of the Wise Money Credit website and the information we publish on it.

Last updated: 23 October 2026

1. Acceptance of these terms

These Terms and Conditions govern your access to and use of the Wise Money Credit website and the information, forms and services made available through it. By using this website you confirm that you accept these terms and that you agree to comply with them. If you do not agree, please do not use the website.

You must be at least 18 years old and legally able to enter into a binding contract to use the services described on this website. If you are using the site on behalf of a business, you confirm that you have authority to bind that business.

2. About us

Wise Money Credit is an independent financial services company located at 549 Jefferson Ave, Elizabeth, NJ 07201, USA. You can contact us by telephone on +1 908-353-7443 or by email at contact@wisemoneycredit.com.

We arrange and advise on lending, financial planning, tax and insurance products. Product terms, rates and approval decisions are determined by the relevant lender, insurer or provider, not by us, and may change without notice.

3. Information on this website is not personalised advice

The content on this website — including our blog articles, guides and service descriptions — is provided for general information only. It does not constitute personalised financial, investment, tax or legal advice, and it should not be relied upon as such.

Financial circumstances vary widely, and rules change. Before acting on anything you read here, you should speak with a qualified adviser who can assess your own position. Nothing on this website is an offer or solicitation to buy any financial product, nor a recommendation of any security.

Any rates, figures, examples or illustrations shown are indicative, are not guaranteed, and do not constitute an offer of credit.

4. Applications, eligibility and approval

Submitting an enquiry or application does not guarantee that credit or any other product will be provided. All applications are subject to eligibility criteria, affordability and creditworthiness assessment, identity verification, and the approval of the relevant provider.

  • You confirm that all information you supply is accurate, complete and not misleading.
  • You must not apply on behalf of another person without their express authority.
  • We may carry out identity, credit and fraud checks, including searches with credit reference agencies.
  • We may decline an application without giving detailed reasons where the law permits us to do so.
  • Any approval is based on the information available at the time and may be withdrawn if that information proves inaccurate.

Where we provide an illustration of cost, it is based on the information you gave us. The final terms that apply are those set out in the executed agreement with the lender or provider.

5. Acceptable use of the website

You may use this website for lawful purposes only. You must not:

  • Use the site in any way that breaches applicable law or regulation.
  • Attempt to gain unauthorised access to the site, its servers, or any connected systems.
  • Introduce viruses, malware or any other harmful material.
  • Collect or harvest personal data of other users, or use automated systems to scrape content without permission.
  • Submit false, misleading or fraudulent information through any form.
  • Reproduce, modify, distribute or commercially exploit any part of the site without our written permission.

We reserve the right to suspend or terminate access where we reasonably believe these rules have been breached.

6. Intellectual property

All content on this website — including text, articles, graphics, logos, illustrations, layout and code — is owned by or licensed to Wise Money Credit and is protected by copyright, trademark and other intellectual property laws.

You may view, download and print pages for your own personal, non-commercial use. You may quote short extracts with clear attribution and a link to the original page. Any other use requires our prior written consent.

This website may contain links to third-party websites. Those links are provided for convenience only. We do not endorse, control or take responsibility for the content, accuracy or availability of external sites, nor for any products or services offered through them.

8. Limitation of liability

To the fullest extent permitted by law, Wise Money Credit excludes all warranties and representations relating to this website and its content. We do not warrant that the site will be uninterrupted, error-free or free of viruses, or that the information it contains is complete, accurate or current at all times.

To the fullest extent permitted by law, we will not be liable for any loss of profit, loss of business, loss of opportunity, loss of data, or any indirect or consequential loss arising from your use of, or inability to use, this website or reliance on its content.

Nothing in these terms limits or excludes liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any liability that cannot lawfully be excluded.

Where we provide a service under a separate written agreement, the liability provisions of that agreement apply to that service.

9. Privacy and data protection

Our use of your personal information is governed by our Privacy Policy, which forms part of these terms. By using this website you acknowledge that you have read it.

10. Newsletter and communications

Subscribing to our newsletter is optional. When you subscribe you consent to receiving periodic emails containing financial information, updates and marketing content from Wise Money Credit. You can unsubscribe at any time using the link in the footer of any email or via our Unsubscribe page.

We may still contact you about an active enquiry or a product you hold even after you unsubscribe from marketing, where those communications are necessary to service your account.

11. Changes to these terms

We may amend these terms at any time by updating this page. The version in force is the one published when you use the website. You should check this page occasionally to review any changes. Continued use of the website after changes are published constitutes acceptance of those changes.

12. Governing law and jurisdiction

These terms and any dispute arising out of or in connection with them are governed by the laws of the State of New Jersey, United States, without regard to conflict of law principles. You and we agree to submit to the exclusive jurisdiction of the state and federal courts located in Union County, New Jersey.

If any provision of these terms is held to be invalid or unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will remain in full force.

13. Contacting us

For any question about these Terms and Conditions, please contact us: