Membership Agreement

The quick reference is provided as a readers' aid — the full policy governs if there is any inconsistency.

The full policy

The quick reference

1. Effective Date

This policy takes effect on December 30, 2019.

Memberships after December 30, 2019 are governed by these terms.

2. Overview

Wise Publishing Inc. offers enhanced Services for those who register as a Member, which registration includes paying Membership fees. This Membership Agreement are the terms and conditions of Membership. Members are also governed by the Terms of Use of Wise Publishing, Inc.’s website ( and other policies on the Wise Publishing, Inc. site. Wise Publishing, Inc. reserves the right in its sole discretion to reject a Member at any time.

Memberships are governed by these terms as well as the Site's other terms.

3. Definitions

The following words and expressions have the following meanings unless inconsistent with the context:


means any media that can be rendered on a web page intended for consumption by an end-user, including, but not limited to articles, quizzes, polls, surveys, videos, pictures, audio and embeds;

"Personal Information"

means information about an identifiable individual. Personal Information includes facts which, when combined with other information, can identify an individual;


Means enrolling and paying for enhanced offerings through the Site;


means a product offering on a Wise Publishing, Inc. website;

"we", "us" or "our"

Wise Publishing, Inc., a company duly incorporated under the laws of the province of Ontario;

"you", "your"

an individual, company or firm accessing our Site.

The definitions are here. If a term doesn't make sense, look here.

4. Personal Information

Personal Information provided by you to register as a member is governed by the Wise Publishing, Inc. Privacy Policy located at

Personal information is governed by the Privacy Policy.

5. Membership Benefits

Members have a host of benefits and services available, which may change from time-to-time. Benefits include Ad-free content* and a personalized weekly newsletter. The current Membership Benefits are always available on the MoneyWise Membership landing page.

*Members must be logged in for display advertising to be disabled. Ad-free refers only to display advertising. Content will continue to contain affiliate offers.

Members benefits are on the membership landing page. You must be logged in as a member to get them.

6. Fees

By registering as a Member, you agree to pay the Membership fees specified at the time of purchase, using the method of payment chosen, and billed/charged at the frequency provided.

By registering as a Member, you agree to pay the Membership fees specified at the time of purchase, using the method of payment chosen, and billed/charged at the frequency provided.

You must be of the age of majority in your jurisdiction of residence to register as a member.

You must be the age of majority.

The fees for Membership (plus any applicable taxes or other additional charges, such as administration, transaction or access fees), accepted methods of payment and accepted frequencies of billing (such as one-time, monthly or annually) will be specified at the time of registration. All fees, unless otherwise specified, are in your local currency.

There are membership fees. They are set out when you register as a member.

For periodic payments, you will be automatically billed (i.e. charged or debited) or invoiced on or around the periodic anniversary date of your Membership registration, and periodically thereafter in accordance with the billing cycle selected at the time of purchase.

Periodic payment plans are billed automatically.

You will be automatically billed (i.e. charged or debited) at the time of registration for one-time registrations. By registering as member, you agree that we may start your Membership benefits immediately upon our accepting your registration. This means that you are not entitled to a refund if you change your mind after we have provided you with access to your subscription, unless prohibited by law.

Membership benefits start immediately. Once started, one-time registrants cannot cancel.

You are responsible for providing and maintaining current, complete and accurate billing and delivery information. To avoid any disruption to your Service, contact Wise Publishing, Inc. immediately with any changes to your billing or delivery information.

Please keep your billing information up to date or service may be disrupted.

Wise Publishing, Inc. reserves the right to levy an administration charge if your method of payment is invalid (i.e. an expired or otherwise invalid credit card). You will remain responsible for all fees and for all costs incurred by Wise Publishing, Inc. in connection with unpaid fees, including but not limited to collection agency fees. You authorize us to obtain updated expiration dates if applicable and we reserve the right to charge the fee to the renewal cards.

Administrative and extra fees may be passed along to you if there are problems with your billing information.

If Wise Publishing, Inc. has made, in its sole determination, an error in fees for Membership, your sole remedy is to cancel the Service. Wise Publishing, Inc. is under no obligation to provide you with the Service at the erroneous fee.

Wise is not compelled to provide membership fees at an erroneous price in the event of a fee error.

7. Term

If you pay for your Membership periodically, your Membership will continue until it is cancelled. One-time orders are for the term purchased for.

Periodic membership continues until cancelled.

8. Modifications by You

You may make certain changes to your Membership, including but not limited to the frequency of billing, products, and other particulars of the Services. Refunds, reconciliations and charges will be applied in accordance with the terms specified herein at the sole discretion of Wise Publishing, Inc.

You can modify your membership and reconciliation of your charges will be made according to this policy.

9. Modifications by Wise Publishing, Inc.

You will be given advance notice of any new fees, changes to current fees or other material changes to the Services by notification methods including but not limited to postal mail, email, or the posting of a notice on a website of Wise Publishing, Inc.

If you do not wish to accept the new fees, you may cancel your Membership in accordance with these terms.

If we modify membership terms, we will provide reasonable notice of the changes so you can change your membership.

10. Cancellations and Refunds

One-time Memberships cannot be cancelled or refunded, except in those circumstances where this provision is prohibited by law. Further, no refunds will be provided for amounts less than $5 USD. We reserve the right (but are under no obligation) to issue refunds or credits at our sole discretion.

One-time memberships cannot be cancelled.

To cancel a Membership, you must provide at least 28 days’ notice by contacting Wise Publishing, Inc. by email at or by phone at +1 (647) 352-5595 between 9:30 am and 5:00 pm Eastern, Monday through Friday. Applicable charges continue to apply until the end of the notice period. Your receipt and access to the Membership Services will end as of the processed date of cancellation.

The process for cancelling periodic memberships is here.

11. Promotions

Wise Publishing, Inc. may from time to time at its sole discretion offer promotions such as discounts and trials to certain Services, or certain contests, sweepstakes or other promotions. The specific rules, regulations, terms and details of each promotion will be provided at the time of the offer. Your eligibility for a promotion and the applicability of any discounts is at our sole discretion. We may revoke, terminate, cancel, modify or deem a promotion inapplicable to you at any time.

Promotions will be governed by their own terms and rules.