TERMS OF USE

Last Updated: October 29, 2026

These Terms of Use ("Terms") govern your access to and use of the websites, applications, platforms, features, tools, products, and services provided by Wise Butterfly Inc. ("WisePal," "we," "us," or "our"), collectively, the "Services". These Terms govern Wise Butterfly Inc.'s platform and bill-negotiation Services. Section 7.1 governs car insurance estimation and referral activities provided through WisePal Insurance Agency, LLC. The Agency is also a party to the New York law and venue provisions in Section 15 for its own activities.

When you create an account, submit a bill or provider account for negotiation, or otherwise indicate acceptance after these Terms have been presented to you, you agree to these Terms. Our Privacy Policy describes our information practices; accepting these Terms or receiving a privacy notice does not supply a separate consent required by law. Additional terms presented and accepted in connection with a particular Service form part of the agreement for that Service. Transaction-specific terms control a conflict only for that Service and subject to applicable law and the privacy protections governing the information involved.

You must be at least 18 years old to create a WisePal account or authorize Services. Our consumer Services are offered in the United States, subject to availability and any applicable eligibility or licensing requirements.

1. Services

WisePal helps consumers identify and pursue opportunities to reduce recurring household expenses.

Our Services may include:

1.1 Bill Negotiation

You may ask WisePal to contact an existing service provider (“Provider”) and attempt to reduce the amount you pay while keeping your existing Provider and existing service or plan, unless you expressly authorize a change.

Depending on the Provider and the negotiation, WisePal may seek promotional pricing, retention offers, loyalty discounts, account credits, fee reductions, or other savings opportunities.

WisePal does not guarantee that a negotiation will succeed, that any particular amount of savings will be achieved, or that a Provider will make any offer available.

1.2 Comparisons and Switching Opportunities

WisePal may also show you alternative products, providers, plans, financial products, or other opportunities that could reduce your expenses.

These comparison and switching services are separate from bill negotiation. You decide whether to pursue any alternative offer. WisePal does not change your Provider or enroll you in a new third-party product without your express authorization.

1.3 Other Savings Services

WisePal may make additional household-expense comparison and savings tools available. Their availability, provider, scope, fees, and any additional terms are identified in the applicable Service. Car insurance estimates and provider links are addressed in Section 7.1. This general description does not authorize an insurance purchase or expand a bill-negotiation mandate.

2. Negotiation Authorization and Account Information

2.1 Your authorization

When you request a bill negotiation, you expressly appoint and authorize WisePal to act as your limited agent solely for the purpose of performing the negotiation and related account servicing you requested. You authorize WisePal to act in your name and on your behalf within that scope, including through the human and automated representatives identified below.

You authorize WisePal and its employees, contractors, human negotiators, automated systems, artificial-intelligence-powered agents, and service providers to:

• contact your Provider on your behalf by telephone, chat, website, application, electronic message, or other available channel;
• identify and access the Provider account you submitted for negotiation;
• request and receive information about your account, including your current price, plan, services, promotions, discounts, account tenure, billing information, and available savings opportunities;
• provide or confirm the account holder's name, contact details, account number, PIN, passcode, and other account or verification information that you supplied to or authorized WisePal to use, including one-time codes for the account-verification purpose for which you provided them;
• negotiate for discounts, credits, promotional pricing, fee reductions, and other savings relating to that account; and
• take other reasonable steps necessary to perform the negotiation you requested, subject to these Terms and applicable law.

If reasonably necessary to perform the requested negotiation, you authorize WisePal's agents, acting solely as your limited agent and for the limited authorized purpose, to represent to the Provider that they are the account holder, to the extent permitted by applicable law and the Provider's applicable requirements.

You affirmatively request that the Provider disclose to WisePal and the representatives acting for WisePal the account, billing, service, and pricing information reasonably necessary to perform your requested negotiation. Where applicable, your electronic acceptance of this authorization is your written direction designating WisePal to receive customer proprietary network information for that purpose. This direction is subject to your authority over the account described in Section 2.2.

This direction requests disclosure within your authority over the account. It does not require a Provider to bypass its authentication procedures, accept an authorization that does not meet its lawful requirements, or disclose information that the law does not permit it to disclose.

Your submission of an account for negotiation authorizes the account-access, verification, and negotiation activities described in this Section; it is not merely a request to receive general information about WisePal. This authority does not extend to an unrelated account or purpose or to an account change outside Section 3.

You authorize WisePal to present this authorization and relevant account-submission, verification, communication, and Service records to the Provider, communications or payment service providers, and other parties reasonably involved in verifying our authority, investigating a fraud or misconduct complaint, or resolving a dispute, subject to the Privacy Policy and applicable restrictions.

This authorization is limited to the Services you request. WisePal is not the Provider's agent and does not represent or act on behalf of the Provider.

2.2 Your authority over the account

By submitting a Provider account for negotiation, you represent and warrant that:

• you are the account holder or otherwise have authority to make decisions concerning the account;
• you have authority to authorize WisePal to act on the account as described in these Terms;
• all information you provide is accurate to the best of your knowledge; and
• your use of WisePal does not violate any legal obligation applicable to you.

You may not submit another person's Provider account unless you are authorized to act on that account and to delegate the limited authority described in these Terms to WisePal.

If a Provider requires direct confirmation from you, a one-time verification code, additional verification information, or another form of authorization before it will communicate or negotiate with WisePal, you agree to reasonably cooperate with that verification process.

WisePal may pause or discontinue a negotiation if we cannot verify your authority, if the Provider refuses to proceed, or if additional information required to continue is not provided.

2.3 Account and verification information

To perform the Services, WisePal may ask you for information such as:

your name, contact information, service address, Provider name, account number, telephone number associated with the account, account holder information, bill or billing statement, plan information, account PIN or passcode, login or authentication information, payment information, and other information reasonably required to identify or verify the account.

You may also be asked to provide a one-time passcode or other verification code sent by a Provider. You authorize WisePal to use such code solely for the purpose for which you provided it, including verifying and accessing the Provider account in connection with the requested Service.

Some Services may allow you to connect an email account, bank account, Provider account, or other third-party account. Unless a particular flow expressly states otherwise, these connections are optional and are governed by the authorization presented to you when you connect the account.

WisePal may use third-party services to verify your identity, telephone number, account ownership, payment method, or other information.

3. Negotiation Preferences and Account Changes

WisePal's bill negotiation service seeks to lower your price while keeping your existing Provider and existing service or plan, unless you expressly authorize a change.

Within that scope and your selected preferences, WisePal may exercise reasonable judgment in seeking and accepting discounts, promotional prices, account credits, fee waivers, and similar savings. Separate approval is not required for a price-only reduction already within your authorization.

Your general request for a negotiation does not authorize WisePal to cancel service, switch Providers, downgrade your service or plan, add a paid product or service, enter into a new contractual commitment, establish a new payment arrangement, or make another material change to your account. Such a change requires your express authorization for that change.

Administrative labels, promotion names, discount codes, or billing descriptions alone do not constitute a change to your service or plan if the underlying services, benefits, and contractual obligations remain unchanged. An offer is assessed by its substantive effect, not merely the Provider's label for it.

WisePal may present an opportunity outside your existing authorization for you to approve or decline. Providing an account PIN, a verification code, payment details, or general consent to use the Services does not by itself authorize an otherwise unapproved change.

4. Technology, Recording, and Communications

4.1 Artificial intelligence and automated agents

WisePal may use artificial intelligence, automated systems, software agents, and human personnel to provide the Services.

These systems may assist with Provider calls and chats, account verification, negotiation, customer communications, quality assurance, fraud prevention, analysis of billing information, and other activities necessary to provide and improve the Services.

You authorize WisePal to use such systems in performing Services you request.

The use of automated technology does not change the limited scope of WisePal's authority described in these Terms.

4.2 Monitoring, recording, and transcription

WisePal may monitor, record, or transcribe communications relating to the Services for service delivery, documentation, quality assurance, security, fraud prevention, training, dispute resolution, and product improvement, where permitted by applicable law.

You request and consent to monitoring, recording, and transcription of communications between you and WisePal for the purposes above, where legally permitted. You also authorize WisePal to document the Provider communications undertaken within your negotiation mandate, including the Provider's statements about your existing services, agreed reductions, effective dates, and duration. This authorization supplies only consent that you are legally entitled to give.

Communications between WisePal and third-party Providers will be handled in accordance with applicable law and Provider requirements. Your consent supplies only the consent you are legally authorized to give; it is not consent on behalf of a Provider representative or another participant.

Recordings and transcripts may be processed using automated or artificial-intelligence systems as described in our Privacy Policy.

4.3 Communications with you

You authorize WisePal to contact you in connection with Services you request using the contact information you provide. Service-related communications may include negotiation updates, requests for verification information or one-time codes, availability requests, reminders, payment notices, results, support communications, and fraud or security alerts.

Depending on the Service and applicable permissions, communications may be sent by email, SMS, telephone, automated call, in-app message, or another available channel. You agree that we may send emails promoting WisePal Services, subject to your marketing choices and applicable law. Car insurance marketing texts are sent only after your separate, affirmative opt-in through the dashboard or another expressly identified consent flow. The consent disclosure identifies the sender, purpose, applicable automated technology, and available choices. Marketing consent is not a condition of purchasing where law prohibits that condition. General acceptance of these Terms does not replace any separately required consent.

You may use the unsubscribe option in a marketing email, reply STOP to a text, or contact support@wisepal.com. You may request that all marketing from the identified sender stop. A marketing opt-out does not itself cancel a requested negotiation or eliminate a valid earned fee. Operational messages concern a Service you have requested; an invitation to buy or enroll in another product is not made operational merely by being included with an update. Further communications remain subject to applicable law and the scope of a valid revocation of consent.

You may revoke consent for automated calls or text messages through any reasonable method recognized by applicable law, including contacting support@wisepal.com. A request to stop billing texts or automated calls is not disregarded merely because an earned fee remains due. We may communicate about a valid payment obligation through another lawful channel, subject to applicable contact restrictions. If we make an automated or AI voice call to you, we identify WisePal and the automated nature of the call at its start, provide any required recording notice, and comply with applicable consent and opt-out requirements.

You remain responsible for carrier messaging, data, or other charges imposed by your communications provider.

5. Fees and Payment

Certain bill negotiation Services are provided on a success-fee basis. You owe no negotiation fee for an unsuccessful negotiation.

Before you submit a paid negotiation, WisePal will disclose the fixed 35% fee and calculation method. The 35% rate applies to eligible savings during the first-year period described below. It does not apply to NDR services, which remain governed by their applicable terms. The result applies those agreed terms to the savings obtained; it does not change the rate or method.

A negotiation is successful when the Provider confirms a discount, credit, waiver, or other eligible savings for your account that WisePal obtains within your authorization. Your selected payment option below determines when the applicable fee is earned and becomes payable. The two options are alternative fee arrangements for the identified negotiation, not cumulative charges. A payment option does not authorize an additional negotiation or extend the covered savings period. The four-payment fallback in Section 5.6 is a collection schedule within Pay Now, not a third fee arrangement.

The one-time Pay Now earning rule applies only if you select that option. An estimate of First-Year Savings or presentation of the available options does not by itself create a Pay Now fee obligation. The option you authorize governs the fee arrangement for that negotiation.

5.1 Savings calculation

"First-Year Savings" means your reasonably expected eligible savings during the first twelve months following the effective date of the negotiated savings. Unless a different baseline is specifically disclosed and agreed before the negotiation, savings are measured against the applicable pre-negotiation charges for the same service. A documented scheduled price increase is included in the baseline only if the agreed calculation method provides for it.

Recurring reductions are counted only for their expected duration within that twelve-month period. One-time credits and waivers are counted once. Pre-existing discounts and unrelated credits are not counted as savings obtained by WisePal. Reducing or removing services does not count as like-for-like negotiation savings unless you expressly authorize that change and the associated fee treatment. Savings are calculated before deducting WisePal's fee.

5.2 Pay Now

If you select Pay Now, your one-time fee is 35% of First-Year Savings. The same 35% rate applies to Pay Now and Pay as Savings Apply; no advance-payment discount applies.

This one-time fee is earned when the negotiation succeeds under your selected Pay Now arrangement and is initially payable as a single charge on the disclosed payment date after that success, subject to the authorized four-payment fallback in Section 5.6. Payment of the entire fee, whether in one payment or under that fallback, satisfies WisePal's fee for that negotiation and covered savings period in full; no fee under Pay as Savings Apply is also charged for the same savings. The fee is based on the agreed projection rather than a monthly accrual of fees and remains subject to the correction provisions below and applicable law.

5.3 Pay as Savings Apply - up to twelve months

If you select Pay as Savings Apply, a separate fee is earned for a covered billing period only to the extent eligible negotiated savings actually apply to your Provider account for that period. The fee equals 35% multiplied by those eligible savings and is payable under the disclosed billing schedule after those savings apply. Confirmation of a successful negotiation does not make a fixed first-year fee owed in advance, and there is no guaranteed minimum annual fee under this option.

The covered period consists of the first twelve monthly Provider billing periods beginning with the period in which the negotiated savings first apply. Only eligible savings attributable to those periods are counted. No fee is earned for a period without eligible savings, and a period without savings does not extend the covered period or create an amount to be recovered later.

We may calculate and schedule recurring charges using the Provider's recorded or otherwise documented confirmation of the amount, effective date, and duration of a negotiated reduction and other information reasonably available. Unless contrary information comes to our attention, we may reasonably rely on that confirmation for the stated period. We do not undertake continuous monitoring of your Provider bills. You agree to review those bills and promptly notify support@wisepal.com if you believe a negotiated reduction was not applied, ended early, or changed, identifying the affected period and providing the relevant bill or other reasonably available supporting information. A report is reviewed with the Provider confirmation and other relevant records. Delayed reporting does not by itself make an unsupported fee valid or limit nonwaivable rights.

A scheduled charge or twelve-month estimate does not establish an annual balance or conclusively establish that savings applied. If a review confirms that eligible savings did not apply for a period, the corresponding fee is not owed and any overpayment is corrected under Section 5.4. Unrelated changes in usage, taxes, or other charges do not eliminate a negotiated reduction that actually applies to the relevant service.

A fee on a one-time credit or waiver is earned only when that credit or waiver actually applies. That fee is charged once, separately or with the charge for the billing period in which it applies, at the 35% rate; it is not divided into twelve monthly payments under this option. A credit or waiver is never counted twice.

Closing your WisePal account, stopping future negotiation attempts, or changing or revoking a payment method does not by itself eliminate the 35% fee on savings from this completed negotiation that continue to apply within the covered period, except as required by law. No fee is earned for savings that cease to apply or fall outside that period. Your payment-method rights remain governed by Section 6.1 and applicable law.

A missed payment, account closure, cancellation instruction, or termination does not accelerate projected future fees, create a fee for savings that have not applied, or convert this option into the Pay Now fee. Fees already earned for eligible savings remain due. We may send payment reminders and request updated payment details. These provisions do not require continuous monitoring or additional negotiations.

5.4 Results and fee review

For example, a $100 monthly reduction expected to apply for twelve months produces First-Year Savings of $1,200. At the 35% rate, Pay Now is $420 without an advance-payment discount. Under Pay as Savings Apply, the fee is $35 for each month in which the full $100 reduction applies, for an expected total of $420 if it applies for all twelve months. If it applies for only six months and there are no other eligible savings, the monthly option produces $210 in fees, not a remaining annual balance. A separate $100 one-time credit produces a single $35 fee under the monthly option when that credit applies, not twelve payments of that fee.

In that example, if the authorized four-payment fallback under Section 5.6 activates, the same Pay Now fee of $420 is collected in four installments of $105. The total remains $420.

The result provided to you will show the savings and applicable fee calculation for your selected option. The payment date and schedule are governed by the payment terms applicable to your negotiation, subject to this Section. Later changes in usage, customer-selected services, taxes, Provider-wide charges, or other matters unrelated to the negotiated savings do not by themselves eliminate an otherwise earned fee.

You may request review of a fee by contacting support and identifying the disputed amount, period, and reason, with relevant bills or other reasonably available supporting information. We assess the request against the Provider's documented confirmation, your authorization, the agreed fee method, and the information you supply. If we verify a material calculation error or that a savings item used to calculate the fee was not obtained, we correct the affected fee and refund any resulting overpayment. A higher total bill caused by unrelated charges does not by itself show that the negotiated reduction was absent. This review does not require continuous auditing of your bills and does not limit nonwaivable rights. Additional goodwill adjustments may be offered case by case; they do not establish a general unconditional refund entitlement.

For a Pay Now fee collected under Section 5.6, a verified correction reduces the unpaid balance. If payments already collected exceed the corrected fee, WisePal refunds the overpayment. WisePal will communicate any resulting adjustment to the remaining payment schedule and provide any notice required before collecting an adjusted payment.

5.5 Payment authorization

If you provide a payment method, you authorize WisePal and its payment processors to use that payment method for amounts you agree to pay under the Services.

WisePal may place a small temporary authorization or verification hold on a card or payment method if disclosed to you during the payment flow. A temporary authorization hold is not a negotiation fee and ordinarily is released in accordance with the applicable financial institution's procedures.

If WisePal successfully obtains savings, you authorize WisePal to charge the applicable success fee according to the payment terms disclosed to you.

By selecting Pay Now and accepting the payment authorization presented with that selection, you authorize the initial single charge and, where expressly included in that authorization, the automatic four-payment fallback in Section 5.6. By selecting Pay as Savings Apply, you authorize charges for fees separately earned under Section 5.3, including the single charge for an applied one-time credit or waiver, using the 35% rate and disclosed billing schedule. A displayed estimate or schedule does not authorize collection of a fixed annual fee under the monthly option or charges for savings that do not apply.

If you choose to pay through a bank account or ACH, additional payment authorization presented during that payment flow will apply.

The general payment permission in these Terms does not replace a separately required payment authorization, a copy of that authorization, or any legally required notice of a variable debit. Applicable payment-network rules and statutory stop-payment and error-resolution rights remain available.

If a payment fails, amounts you validly owe under these Terms remain due. Subject to your valid payment authorization, applicable law, and payment-network requirements, WisePal and its processor may retry a failed payment or request updated payment details. An updated payment method does not expand the fee obligation, revive a revoked authorization without the required permission, or authorize unearned future fees. WisePal may take reasonable lawful steps to collect a valid earned amount; no particular collection method or action is promised. Once the four-payment fallback under Section 5.6 activates, WisePal will stop retries of the original full-amount charge and collect only under the replacement installment schedule, subject to payments and corrections already applied.

5.6 Automatic four-payment fallback for Pay Now

When you select Pay Now and accept a payment authorization expressly covering this fallback, you authorize the agreed single charge and automatic conversion to four installments if it is declined for insufficient funds and nothing is collected. You agree upfront to the fallback and, if selected, automatic collection; no additional acceptance is required when the fallback activates. This does not expand a prior authorization that omitted the fallback.

The fallback divides the same agreed Pay Now amount into four substantially equal installments, with cent rounding to collect the exact total. Any agreed discount remains in effect. WisePal does not increase the fee or add interest, a conversion fee, or an installment fee.

WisePal will send an activation notice showing the total balance, installment amounts, and four payment dates. The first installment is due 10 calendar days after the notice, followed by three installments at 14-day intervals. If law or payment-method rules require a later first date, the notice will identify it and the three dates at 14-day intervals thereafter. Automatic collection will not occur before the disclosed dates.

If you select automatic collection, you authorize WisePal and its processor to charge the four installments to the payment method identified in your accepted authorization. WisePal will provide a retainable copy of that authorization and any required installment agreement. The activation notice confirms your existing agreement; it does not create authority through silence. Payment-method restrictions and valid revocations remain effective.

The fallback replaces the unsuccessful single-payment collection schedule; it does not authorize both schedules or add a fee. It applies to the earned Pay Now fee, subject to Section 5.4 review, correction, and refund rights. It does not enroll you in Pay as Savings Apply, extend the covered savings period, or authorize additional negotiations.

You may choose customer-initiated payments through individual invoice payment links available from support@wisepal.com instead of automatic installments. The same total and due dates apply. Revoking automatic-payment authorization under Section 6.1 does not remove the installment schedule; amounts validly owed remain payable by another available method.

You may pay the balance early without a WisePal prepayment charge. Another decline does not automatically restart or create an installment plan, revive the original full-amount charge, or add fees. Retries remain subject to Section 5.5, valid authorization, and payment-method requirements. Payments and corrections are applied so that collection does not exceed the amount validly owed.

The transaction-specific installment agreement and mandatory legal protections control any conflict with these Terms. No general limitation, waiver, collection permission, or account-servicing authorization limits a protected installment-contract remedy or authorizes WisePal to execute an installment obligation on your behalf.

6. Cancellation, Future Negotiations, and Termination

6.1 Cancellation and payment revocation

You may request cancellation of a pending negotiation before WisePal completes it by contacting WisePal support at support@wisepal.com.

Cancelling future Services does not itself reverse a completed negotiation or eliminate a fee already earned under the applicable fee terms. Any fee correction or refund remains governed by Section 5 and applicable law.

Stopping a pending negotiation, stopping future negotiations, closing your WisePal account, and revoking a payment authorization are different instructions. You may identify the instruction you wish to give when contacting support. Revoking a payment authorization does not extinguish an otherwise valid payment obligation, and an outstanding obligation does not make the payment authorization irrevocable. For Pay as Savings Apply, Section 5.3 governs whether a fee arises from continuing savings and prohibits acceleration or collection of projected future fees before they are earned.

For the four-payment fallback in Section 5.6, revoking automatic-payment authorization stops future automatic charges and retries under that authorization. Revocation does not cancel the installment schedule or make the remaining balance immediately due. You remain responsible for amounts validly owed on the agreed due dates and may make customer-initiated payments through the alternatives described in Section 5.6.

6.2 Future negotiations and reattempts

WisePal may offer ongoing monitoring, retries, or future renegotiation of eligible bills.

Where you separately authorize an ongoing Service in the applicable flow, the identified account, authorized scope, duration, 35% fee, first-year savings period and calculation method, charging schedule, and cancellation method are disclosed before you accept. That authority continues within the agreed scope until you revoke it. Acceptance of a single negotiation or these general Terms alone does not enroll you in an ongoing paid offer. A new account or action outside the agreed scope requires additional authorization. The account-change limits in Section 3 continue to apply to every attempt.

WisePal may determine whether and when to make a further attempt, including after a Provider indicates that no discount is currently available or when an existing promotional rate is expected to expire. Unless expressly agreed otherwise, this authorization does not require continuous monitoring, an attempt at a particular frequency, or a successful result.

For an ongoing Service you accept, each later successful negotiation earns fees only under the fee basis and payment option you authorized for that negotiation. We identify the new eligible savings and covered period in the result. A further attempt does not by itself restart the covered period for an earlier reduction or permit the same savings to be charged twice. Any change in the fee basis or other material terms is subject to required notice and consent and does not retroactively alter an already completed negotiation.

You may contact support@wisepal.com to stop future negotiation attempts for an account. We honor a clear revocation and stop future attempts within its scope. Cancellation methods identified in the applicable ongoing-Service flow and any additional method required by law are also available. We provide any acknowledgment, reminder, or material-change notice required for that offer. Stopping future attempts does not reverse an authorized completed reduction; Sections 5 and 6.1 govern any valid fee and payment revocation.

6.3 Ending access to the Services

These Terms apply while you access or use the Services.

You may stop using the Services at any time and may contact WisePal to request account closure or cancellation of future Services.

WisePal may suspend or terminate your access where reasonably necessary, including for suspected fraud, unauthorized use, violation of these Terms, legal or regulatory reasons, security concerns, or discontinuation of a Service.

Termination does not eliminate payment obligations or other provisions that by their nature should survive termination. Payment obligations remain subject to Section 5, including its fee-earning rules, covered period, and prohibition on acceleration of unearned monthly fees.

7. Comparisons and Third-Party Services

WisePal may provide information about products or services offered by third parties ("Partners" or "Providers"). Unless expressly identified otherwise, Wise Butterfly Inc. is not the insurer, telecommunications provider, utility, bank, or issuer of a third-party product. A transaction you choose with a third party is governed by the applicable product terms and privacy disclosures.

WisePal may receive compensation from Partners or Providers in connection with products selected through the Services. Compensation may differ by Partner, Provider, or product. We do not guarantee that a comparison includes every Provider, product, price, or savings opportunity available to you. Availability, eligibility, and quoted terms may depend on accurate information and may change before a transaction is completed.

The Services may contain links to or information from third-party websites, services, resources, Partners, or Providers.

WisePal does not control those third parties and is not responsible for their availability, security, content, privacy practices, products, or actions. This allocation does not exclude responsibility imposed by law for WisePal's own representations, conduct, or selection and use of a service provider.

7.1 Car insurance estimates and provider links

The car insurance feature uses information you provide or authorize us to receive to estimate insurance costs or potential savings and display links to third-party insurance providers. Insurance-related activities are conducted through WisePal Insurance Agency, LLC (the "Agency"), National Producer Number 20314286, subject to applicable licensing and availability. As part of estimation, the Agency may discuss the benefits, terms, and conditions of insurance coverage to explain an estimate or comparison. Wise Butterfly Inc. operates the WisePal platform. The NPN identifies the Agency; it is not a representation that every service is available in every state or an endorsement by a regulator.

Amounts displayed by WisePal are informational estimates, not insurer quotes, offers of insurance, binders, or guarantees of premiums, eligibility, coverage, or savings. Estimates depend on the information available and the assumptions used. A provider's actual quote may differ after verification, underwriting, and review of the coverage requested. An estimate is a snapshot based on available information and is not a promise to monitor premiums or keep it current. Compare the provider's actual coverage, limits, deductibles, exclusions, and total price before deciding; a lower estimated price does not establish equivalent coverage.

WisePal receives compensation solely for clicks on certain insurance provider links, including through advertising or referral service partners. This compensation does not depend on you obtaining a quote or purchasing a policy. Compensation may vary by provider, link, and commercial arrangement, and may affect which providers appear and their placement. You may request additional information about compensation expected in connection with your insurance request by contacting the Agency at support@wisepal.com. The Agency provides the compensation information required by applicable law, including any applicable sale-based or alternative-quote compensation information; the current click-only feature provides no WisePal quotes and earns no policy-sale compensation. Provider participation, available information, and eligibility may also affect the links shown. The available links do not include every insurer or insurance option. Display or placement is not a guarantee of the lowest premium, equivalent coverage, or suitability for your needs.

To obtain an actual quote, continue to the relevant provider. That provider handles its own quote, application, underwriting, and any policy purchase under its own terms and privacy disclosures. WisePal does not issue quotes, submit insurance applications, or purchase, bind, cancel, or change coverage through this feature. Reviewing an estimate or following a link does not itself purchase insurance or cancel an existing policy. Continue to maintain any legally or contractually required coverage; do not cancel an existing policy in reliance on an estimate or link.

We do not sell your contact details as insurance leads. Our click-referral arrangement does not permit a provider to contact you merely because you used WisePal or clicked a link. In connection with that referral, the provider must independently collect your contact details after you start its process on its own website and obtain any legally required communication permissions. A click alone does not authorize calls, text messages, or emails from the provider.

Information handled for this feature is governed by the WisePal Privacy Policy and the Agency Privacy and Financial Information Notice according to each company's role. General acceptance of a bill-negotiation authorization does not authorize unrelated insurance marketing or disclosures. Supply information about another driver or household member only if you have the authority and permissions required to do so. An estimate request is not authorization for WisePal to obtain a consumer report.

The bill-negotiation authority, percentage fees, and payment options in these Terms do not apply to an insurance estimate, referral, or premium. The Agency is a party to this Section and the New York law and venue provisions in Section 15 solely for its own activities. The $100 aggregate liability cap in Section 11.2 does not apply to the Agency's insurance-related activities. Each company remains responsible for its own conduct and duties; mandatory insurance, privacy, and consumer protections remain applicable. If another provision describes insurance activities more broadly, this Section controls the scope of this feature. The general third-party and professional-advice disclaimers do not remove a duty that applicable law imposes on the Agency or WisePal for its own activities.

For insurance-related questions or requests, contact WisePal Insurance Agency, LLC at support@wisepal.com or 7001 N Locust St, Gladstone, MO 64118-2531. Contact the provider directly for an actual quote, policy service, or a claim.

8. Information and Security

8.1 Information and privacy

Your use of the Services is subject to our Privacy Policy and, where applicable, our Consumer Privacy Notice.

You authorize WisePal to collect, process, store, use, and disclose information reasonably necessary to provide the Services you request, including information you submit directly and information obtained through accounts or services you choose to connect. This permission is limited by the applicable privacy notices, your instructions, and any separate consent or legal basis required for the particular activity.

You grant WisePal a limited, non-exclusive license to use information and materials you provide as necessary to operate, support, protect, improve, and provide the Services and to comply with legal obligations.

WisePal may use aggregated or de-identified information for analytics, research, product development, and artificial-intelligence or machine-learning improvement as described in the Privacy Policy. The authorizations and licenses in this Section are subject to that Policy, applicable law, and applicable data-source restrictions; a general authorization does not override a more specific restriction.

8.2 Security and your accounts

WisePal maintains administrative, technical, and physical safeguards designed to protect personal information.

No system or method of transmission or storage can be guaranteed to be completely secure, and WisePal cannot guarantee absolute security.

You are responsible for protecting access to your own accounts, devices, email accounts, and credentials and for promptly notifying WisePal if you believe your WisePal account or information has been compromised.

9. Rules of Conduct

You agree not to use the Services:

for unlawful, fraudulent, deceptive, abusive, or unauthorized purposes; to submit an account you do not have authority to manage; to provide information you know is materially false or misleading; to obtain unauthorized access to another person's information or account; to interfere with or disrupt the Services; to introduce malicious software; to reverse engineer or improperly scrape the Services; to infringe intellectual-property, privacy, or other rights; or in any manner prohibited by applicable law.

WisePal may suspend or terminate access if we reasonably believe the Services are being used fraudulently, unlawfully, without proper authority, or in violation of these Terms.

10. Intellectual Property and Feedback

10.1 Intellectual property

WisePal and its licensors own all rights, title, and interest in the Services and related software, designs, graphics, text, content, trademarks, data compilations, technology, and other materials, except for materials owned by users or third parties.

These Terms do not transfer ownership of WisePal intellectual property to you.

You may use the Services only for your personal, lawful use and in accordance with these Terms.

10.2 Feedback

If you provide suggestions, comments, ideas, or other feedback concerning the Services, you grant WisePal the right to use that feedback without restriction or compensation to you, provided that doing so does not alter WisePal's obligations concerning your personal information under the Privacy Policy.

11. Disclaimers and Limitation of Liability

11.1 Disclaimers

THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS TO THE FULLEST EXTENT PERMITTED BY LAW.

WISEPAL DOES NOT GUARANTEE THAT:

A NEGOTIATION WILL SUCCEED; A PROVIDER WILL OFFER A DISCOUNT; A PARTICULAR AMOUNT OF SAVINGS WILL BE ACHIEVED; SAVINGS WILL CONTINUE FOR A PARTICULAR PERIOD; THIRD-PARTY INFORMATION WILL ALWAYS BE ACCURATE; OR THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE.

PROVIDERS RETAIN CONTROL OVER THEIR OWN PRICING, PROMOTIONS, ACCOUNT POLICIES, AUTHENTICATION REQUIREMENTS, AND SERVICE TERMS.

WISEPAL IS NOT RESPONSIBLE FOR A PROVIDER'S INDEPENDENT ACTS OR OMISSIONS.

Nothing in the Services constitutes legal, tax, investment, insurance, or other professional advice unless expressly stated otherwise.

11.2 Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WISEPAL AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, REPRESENTATIVES, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES ARISING FROM OR RELATING TO THE SERVICES.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF WISEPAL AND THE OTHER PERSONS IDENTIFIED ABOVE FOR ALL CLAIMS ARISING FROM OR RELATING TO THE SERVICES WILL NOT EXCEED $100, WHETHER THE CLAIM IS BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANOTHER LEGAL THEORY.

These limitations do not authorize conduct outside the scope of Section 3 or reduce a fee correction or refund expressly due under Section 5. Nothing in these Terms excludes or limits liability for fraud, willful misconduct, gross negligence, or a statutory obligation to the extent that liability cannot lawfully be excluded or limited. Mandatory consumer rights and remedies remain applicable. These qualifications do not create liability where none otherwise exists. The $100 aggregate liability cap does not apply to claims concerning the Agency's insurance-related activities. The limitations in this Section do not limit any legal remedy you have under an applicable retail installment obligation governed by Section 5.6.

For New Jersey residents, these disclaimers and limitations apply only to the maximum extent permitted by New Jersey law.

12. Indemnification

To the fullest extent permitted by law, you agree to indemnify and hold harmless WisePal and its affiliates, officers, directors, employees, contractors, representatives, and agents against third-party claims and resulting losses, liabilities, damages, and reasonable costs, but only to the extent caused by:

your material violation of these Terms; your submission of a Provider account you were not authorized to manage; information you knowingly provide that is materially false or unauthorized; your unlawful use of the Services; or your infringement of another person's rights.

This obligation does not apply to the extent a claim results from the negligence, misconduct, or violation of law of a person seeking indemnification. It does not impose a penalty for a good-faith complaint, lawful review, charge dispute, privacy request, or exercise of a nonwaivable right.

13. Electronic Communications and Signatures

You agree to receive ordinary Service communications electronically using the contact information or account you provide. Where law requires a record to be delivered in writing or imposes additional electronic-delivery requirements, this provision does not replace the required disclosures, affirmative consent, ability to access and retain the record, or paper-copy and withdrawal rights. Contact support@wisepal.com about delivery preferences or copies.

Your electronic acceptance, including clicking a button or checkbox indicating agreement, constitutes your electronic signature and has the same effect as a handwritten signature to the extent permitted by law.

WisePal may maintain electronic records of your acceptance, including the version of the applicable terms or authorization, date and time, and related technical records.

WisePal may rely on instructions and authorizations submitted through your account or otherwise reasonably attributable to you, subject to applicable law. Electronic records may be used to establish the scope and timing of an authorization or instruction.

14. Changes to These Terms

WisePal may update these Terms from time to time.

If we make a material change, we will provide notice as required by applicable law, including through the Website, Platform, email, or another reasonable method.

Changes apply prospectively from their stated effective date after any legally required notice and acceptance. A revision does not retroactively change an earned fee, expand a prior negotiation mandate, withdraw a privacy choice, or resolve an existing dispute under new terms.

If you do not accept an update, you may stop using the affected future Services. The terms governing a previously authorized transaction continue to govern that transaction unless you agree to a lawful change. Posting an update alone is not a substitute for affirmative acceptance where the law requires it.

15. New York Law and Venue

These Terms and disputes arising from or relating to the Services are governed by the laws of the State of New York, without regard to conflict-of-law rules that would require the application of another state's law, except to the extent applicable law requires otherwise.

Unless applicable law requires or gives you a nonwaivable right to a different forum, an action arising from or relating to these Terms or the Services must be brought in the state courts located in Nassau County, New York, or, when federal subject-matter jurisdiction exists, the United States District Court for the Eastern District of New York. You, Wise Butterfly Inc., and, for its own activities under Section 7.1, WisePal Insurance Agency, LLC consent to personal jurisdiction in those courts for such actions.

For a claim whose filing period may lawfully be shortened by contract, any action arising from or relating to the Services must be commenced within one year after the cause of action accrues. This contractual period does not shorten a filing period that applicable law does not permit the parties to shorten. Mandatory consumer protections, jurisdictional rights, and venue rules apply notwithstanding the New York provisions above. The one-year contractual filing period in this paragraph does not apply to the Agency's insurance-related activities. The one-year contractual filing period also does not apply to claims arising under a retail installment obligation governed by Section 5.6.

Nothing in this Section prevents you from reporting a concern to a regulator, exercising a nonwaivable complaint right, or using a small-claims forum where applicable law gives you that right.

16. General

If any provision of these Terms is held unenforceable, the remaining provisions will remain in effect.

WisePal's failure to enforce a provision is not a waiver of that provision.

You may not assign your rights or obligations under these Terms without WisePal's consent. WisePal may assign these Terms in connection with a merger, acquisition, corporate reorganization, or sale of assets or as otherwise permitted by law.

These Terms, together with the Privacy Policy, applicable Consumer Privacy Notice, and transaction-specific disclosures, constitute the agreement between you and WisePal concerning the Services.

Except for the persons expressly protected under Section 11.2, these Terms do not grant independent contractual enforcement rights to a third-party beneficiary. This provision does not affect any person's rights under applicable law or a separate agreement.

17. Contact and California Consumer Notice

For questions regarding these Terms or the Services, contact:

Wise Butterfly Inc. / WisePal
251 Post Ave
Westbury, New York 11590
support@wisepal.com

17.1 California consumer notice

For questions or complaints, use the contact details above or telephone +1 (979) 271-6060. Charges for negotiation Services are described in Section 5 and the applicable Service offer.

California consumers may contact the California Department of Consumer Affairs, Consumer Information Center, at 1625 North Market Blvd., Suite N-112, Sacramento, CA 95834, or by telephone at 800-952-5210.

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