Terms of Service

Terms of Service

WOW Community Platform and WOW Learning Lab – EULA & Terms and Conditions

Effective Date: 1st February 2025

This Combined End-User License Agreement (EULA) and Terms and Conditions (T&C) (“Agreement”) govern your use of the WOW Platform, WOW App and the Learning Lab (collectively, the “Services”) provided by Wowise-FZCO Ltd. (“Wealth Of Wisdom”, WOW”, “Wowise,” “we,” “our,” or “us”). By accessing or using the WOW Platform, WOW App and Learning Lab, you agree to comply with and be bound by this Agreement.

License Grant

Subject to the terms of this Agreement, WOW grants you a limited, non-exclusive, non-transferable license to access and use the WOW Platform, WOW App and Learning Lab, including the content, discussion groups, courses, and any other services provided.

User Responsibilities

• Account Security: You are responsible for maintaining the confidentiality of your account and login information. You agree to immediately notify WOW if your account is compromised.
• Accurate Information: You agree to provide accurate, current, and complete information when registering and using the Services.
• Personal Use Only: You are granted access to the Services for personal, non-commercial use only. Redistribution or commercial use of any content, research, or data provided is prohibited.
• Community Participation: By using the WOW Platform, you agree to participate in a respectful and constructive manner. Any content posted within the platform (including discussion groups, comments, or posts) must adhere to community guidelines and must not include offensive, illegal, or harmful material.

Subscription and Payment Terms

• Learning Lab and WOW Platform Subscription: Subscription fees for the Learning Lab and WOW Platform are due according to the plan you select at registration. Fees are non-refundable, unless otherwise specified in our Refund Policy.
• Payment Processing: Payments for the Services are processed via secure third-party payment processors. We do not store your payment details. Subscription renewals will occur automatically unless canceled by you.
• Price Changes: WOW reserves the right to modify subscription fees at any time. You will be notified of any changes, and your continued use of the Services constitutes acceptance of the new pricing.

Access to Services and Content

• Learning Lab Courses: The Learning Lab provides access to online courses and educational content related to cryptocurrency, blockchain, and investment strategies. This content is available through subscription and may include video lectures, written materials, and quizzes.
• The WOW Platform and WOW App: The WOW Platform and WOW App includes discussion groups, forums, and content posted by WOW and users. You may interact with other users through these channels, but all interactions must comply with the platform’s community guidelines and the law. Users may not use the platform for spamming, offensive conduct, or illegal activities.
  • User-Generated Content: You may submit or post content (e.g., comments, questions, or posts) to the WOW Platform. By submitting content, you grant Wowise a non-exclusive, royalty-free, worldwide license to use, display, and distribute your content within the platform. You are solely responsible for the content you post and for ensuring it complies with all applicable laws and community standards.
  • Moderation: WOW reserves the right to moderate, remove, or block content that violates these Terms or is deemed inappropriate, without prior notice.

Prohibited Activities

You agree not to:

• Use the Services for any unlawful purpose or in violation of any local, state, or international laws.
• Attempt to reverse-engineer, decompile, or disassemble any software or content provided as part of the Services.
• Misuse the platform, including sharing your account credentials, spamming, or reselling content or research.
• Post or distribute offensive, harmful, or illegal content within the WOW Platform, including in discussion groups, posts, or comments.

Refund and Cancellation Policy

• No Right to Cancel: By subscribing to the Learning Lab and the WOW Platform, you acknowledge and agree that once you access the digital content or services, the 14-day right of withdrawal provided under the EU Consumer Rights Directive is waived. This means you will not be entitled to a refund if you begin using the services before the end of the 14-day period.
• Exceptions: The 14-day right to cancel applies only if the digital content or services have not been accessed. Once you log in to your account using your credentials, you are considered to have accessed the content. As such, the right to cancel is waived, and no refunds will be issued after login.
• Cancellation: You may cancel your subscription at any time, and your access to the Services will continue until the end of your current billing cycle. Cancellations must be made through the user account settings or by contacting customer support.

Limitation of Liability

Wowise is not responsible for any losses, damages, or expenses incurred due to the use or inability to use the Services, including any errors or omissions in content, data, or research.

Your use of the Services is at your own risk, and Wowise does not guarantee that the platform will be error-free, secure, or uninterrupted.

Termination

Wowise reserves the right to suspend or terminate your access to the Services at any time, without prior notice, for reasons including, but not limited to, violation of this Agreement, misuse of the Services, or involvement in unlawful activities.

Dispute Resolution

• Governing Law: This Agreement is governed by the laws of DIFC. Any disputes arising from this Agreement will be resolved in the courts of DIFC.
• Arbitration: Any disputes related to this Agreement will be subject to binding arbitration, except where prohibited by law.

Changes to the Agreement

Wowise reserves the right to modify or update this Agreement at any time. Users will be notified of any changes, and continued use of the Services constitutes acceptance of the updated terms.

Privacy and Data Protection

Your use of the Services is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal data. Please review our Privacy Policy for more information.

Contact Information

If you have any questions or concerns about this Agreement, please contact us at: help@wealthofwisdom.io

Privacy Policy

Privacy Policy

Effective Date: February 1st 2025

WOWISE-FZCO  Ltd. (“Wowise,” “Wealth Of Wisdom,” “WOW,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your personal data. This Privacy Policy outlines how we collect, use, store, and protect your information when you access and use our services, including the Wealth Of Wisdom (WOW) Access Pass, Learning Lab, WOW App and online platform (collectively, the “Services”).

By accessing or using our website and Services, you agree to the collection and use of information in accordance with this Privacy Policy.

Information We Collect

Personal Data

We collect the following types of Personal Data:

• Contact Information: Name, email address, phone number
• Account Information: Username, password, preferences, and other registration details
• Payment Information: Billing address, payment method, and transaction details (collected via secure payment processors)
• Demographic Information: Age, gender, location
• Usage Data: Information about how you interact with our Services, such as IP address, browser type, pages visited, and time spent on our platform

Non-Personal Data

• Device Information: Information about the device and browser you use to access our Services (e.g., device type, operating system, browser version)
• Cookies and Tracking Technologies: We use cookies and similar technologies to collect data about your browsing habits and preferences.

How We Use Your Information

We use the information we collect for the following purposes:

• Provide and Improve Services: To deliver and enhance the Services you access, such as WOW Access Pass, Learning Lab, and other platform features
• Customer Support: To respond to your inquiries and provide customer support
• Payment Processing: To process transactions and manage your subscriptions
• Marketing and Communications: To send you marketing communications (with your consent), promotional materials, or updates about our services and events
• Personalization: To customize your experience on our platform based on your preferences and usage patterns
• Compliance and Legal Obligations: To comply with applicable laws, regulations, and legal processes, including those related to Anti-Money Laundering (AML) and Know Your Customer (KYC)

Legal Bases for Processing Personal Data (GDPR)

Under the GDPR, we process your personal data based on the following legal grounds:

• Consent: We process your data based on your consent for specific purposes, such as marketing and newsletters.
• Contractual Necessity: We process your data to fulfill the terms of our agreement with you, such as providing access to our Services.
• Legal Obligation: We process your data to comply with legal obligations, such as tax, financial regulations, and anti-money laundering laws.
• Legitimate Interests: We process your data for legitimate business interests, such as improving our platform or protecting our rights and assets.

Sharing Your Information

We may share your information in the following circumstances:

• Service Providers: We may share your data with trusted third-party service providers who assist with the operation of our platform (e.g., payment processors, hosting services, marketing partners). These providers are obligated to protect your information and use it only for the purposes specified.
• Legal Requirements: We may disclose your information if required by law or in response to a legal request (e.g., a court order, regulatory investigation, or government request).
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you before your information is transferred and becomes subject to a different privacy policy.

CCPA Rights (For California Residents)

If you are a resident of California, you have the following rights under the California Consumer Privacy Act (CCPA):

• Right to Know: You can request to know the categories and specific pieces of personal information we have collected about you in the last 12 months, including how that data has been used and shared.
• Right to Delete: You can request the deletion of your personal information that we have collected, subject to certain exceptions (e.g., if we need the data for legal reasons or business purposes).
• Right to Opt-Out: You can opt out of the sale of your personal data to third parties. We do not sell personal data, but if this changes in the future, we will offer an opt-out mechanism.
• Right to Non-Discrimination: You have the right not to be discriminated against for exercising any of your CCPA rights, such as receiving a lower level of service or being charged different rates.

To exercise any of your CCPA rights, please contact us at: help@wealthofwisdom.io

GDPR Rights (For EU Residents)

If you are a resident of the EU, you have the following rights under the General Data Protection Regulation (GDPR):

• Right to Access:  You have the right to request access to your personal data that we hold about you.
• Right to Rectification: You can request that we correct any inaccuracies in the personal data we hold about you.
• Right to Erasure (“Right to be Forgotten”): You can request that we delete your personal data, subject to certain legal exceptions.
• Right to Restrict Processing: You can request that we restrict processing of your personal data under certain circumstances, such as if you believe the data we hold is inaccurate or unlawfully processed.
• Right to Data Portability: You can request a copy of your personal data in a structured, commonly used, and machine-readable format and have it transferred to another organization.
• Right to Object: You have the right to object to the processing of your personal data for certain purposes, such as direct marketing.
• Right to Withdraw Consent: If we process your data based on your consent, you can withdraw your consent at any time. This will not affect the lawfulness of processing based on consent before its withdrawal.

To exercise any of your GDPR rights, please contact us at: help@wealthofwisdom.io

Data Security

We take reasonable measures to protect your personal information from unauthorized access, alteration, or destruction. This includes using encryption for sensitive data, implementing access controls, and conducting regular security audits. However, please be aware that no data transmission or storage system is completely secure, and we cannot guarantee the absolute security of your information.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience, analyze usage, and provide personalized content. Cookies are small text files stored on your device when you visit our website. You can control cookie preferences by adjusting your browser settings to accept, block, or delete cookies. However, if you disable cookies, some features of our platform may not function properly. For more information on cookies, please refer to our Cookie Policy.

International Data Transfers

As part of our global operations, your personal data may be transferred to, and stored at, locations outside your country of residence, including outside the European Economic Area (EEA) and California. If we transfer your data internationally, we ensure that it is subject to appropriate safeguards, in compliance with applicable data protection laws.

Children’s Privacy

Our Services are not intended for individuals under the age of 18, and we do not knowingly collect personal data from children. If you believe that we have collected information from a child, please contact us, and we will take steps to delete such information.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, or legal requirements. When we make material changes, we will notify you by posting the updated policy on our website with a new “Effective Date.” We encourage you to review this Privacy Policy periodically for any updates.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us at: help@wealthofwisdom.io