Terms & Conditions

Legal agreement

These Terms and Conditions form a legally binding agreement between you and Sumwise. They govern your use of this website and any services provided by Sumwise. Please read them carefully.

By accessing this website or engaging our services, you confirm that you have read, understood, and agree to be bound by these terms. If you do not agree, please do not use our services or this website.

1. User obligations

• 1.1 You must be at least 18 years of age to use our services.
• 1.2 You agree to provide accurate and truthful information in all communications with Sumwise.
• 1.3 You are responsible for ensuring that any information you provide — including details of your financial situation — is accurate to the best of your knowledge.
• 1.4 You must not use our services in connection with any unlawful activity, including tax evasion or financial fraud.
• 1.5 You accept responsibility for any decisions made on the basis of guidance provided by Sumwise.

2. Prohibited activities

The following activities are expressly prohibited:

• 2.1 Misrepresenting your identity or financial circumstances when seeking guidance.
• 2.2 Using our services or content to facilitate or advise others on tax evasion or illegal financial activities.
• 2.3 Reproducing, reselling, or sublicensing any materials provided by Sumwise without written consent.
• 2.4 Interfering with the operation of this website or attempting to circumvent its security measures.

3. Disclaimers and limitations of liability

• 3.1 No regulated advice: Sumwise provides information, guidance, and planning support for educational purposes. Nothing on this site or communicated through our services constitutes regulated financial, legal, or tax advice. You should consult a qualified professional for formal advice specific to your circumstances.
• 3.2 Accuracy: While we take care to provide accurate information, tax laws and allowances change frequently. Sumwise cannot guarantee that all information is current or complete at all times.
• 3.3 Limitation of liability: To the fullest extent permitted by law, Sumwise accepts no liability for any loss or damage — direct, indirect, or consequential — arising from reliance on information or guidance provided through our services or website.
• 3.4 Exclusion of consequential damages: Sumwise shall not be liable for loss of income, loss of profits, loss of data, or any indirect or consequential loss arising in connection with our services, whether in contract, tort, or otherwise.
• 3.5 Force majeure: We shall not be liable for any failure to perform our obligations caused by circumstances beyond our reasonable control.

4. Indemnification

You agree to indemnify and hold harmless Sumwise, its advisers, and representatives from any claims, losses, or expenses (including legal fees) arising from your use of our services, breach of these terms, or infringement of any third-party rights.

5. Governing law and disputes

• 5.1 These terms are governed by applicable law in the jurisdiction in which Sumwise operates.
• 5.2 In the event of any dispute, we encourage you to contact us directly in the first instance to reach a resolution informally.
• 5.3 Where informal resolution is not possible, disputes shall be subject to the jurisdiction of the relevant courts.

6. Severability and amendments

• 6.1 If any part of these terms is found to be unenforceable, the remaining provisions shall continue in full force.
• 6.2 We may update these terms from time to time. Continued use of our services after any update constitutes acceptance of the revised terms.
• 6.3 The most current version of these terms is always available on this page.