Wizely connects to your bank accounts read-only to find subscriptions. We cancel or negotiate on your behalf only when you ask. The AI Negotiator charges 25% of first month's savings if it succeeds — nothing if it doesn't. We're not a bank and not a financial advisor.
01Acceptance of terms
By creating a Wizely account or using the Wizely service (the "Service"), you agree to these Terms of Use. If you don't agree, please don't use the Service. These terms apply to all users of the Service.
02Using the service
Wizely is for personal, non-commercial use to manage your own subscriptions and recurring expenses. You may use the Service to:
- Connect your bank and credit card accounts to identify recurring charges.
- View, organize, and track your active subscriptions.
- Request cancellation of subscriptions on your behalf.
- Request that Wizely's AI Negotiator contact a provider to negotiate a lower rate on your behalf.
You may not:
- Use the Service to manage accounts belonging to someone else without their explicit authorization.
- Attempt to reverse-engineer, scrape, or extract data from the Service.
- Use automated tools or bots to interact with the Service.
- Use the Service for any unlawful purpose.
03Your account
You are responsible for maintaining the security of your Wizely account. You must be at least 18 years old and a resident of the United States to use the Service. Notify us immediately at hello@wizelyfinance.com if you believe your account has been compromised.
You may delete your account at any time from your account settings. Deletion removes your account data and terminates all active financial connections. See our Privacy Policy for how long specific data types are retained after deletion.
04Financial account connections
By connecting a bank or credit card account, you authorize Wizely to:
- Access your transaction history in read-only mode via a secure bank-linking service.
- Store and analyze transaction data to identify recurring subscription charges.
- Refresh this data periodically to keep your subscription list current.
You can disconnect any linked account at any time from your Wizely dashboard. Wizely is not liable for any issues arising from your bank's or card provider's systems, including connectivity failures or data discrepancies between your institution and our bank-linking partner.
05Cancellations & negotiations
Cancellations
When you request a cancellation, you authorize Wizely to act as your agent and submit that cancellation to the provider on your behalf. Wizely will send you a confirmation receipt when the cancellation is processed.
Cancellations are subject to the provider's own terms — some providers may continue billing through the end of a current billing period. Wizely is not responsible for charges that occur during a provider's standard cancellation window. A 14-day undo period is available from your dashboard after a cancellation is initiated; after that window closes, the cancellation is final.
AI Negotiator
When you request a negotiation, you authorize Wizely's AI Negotiator to contact your provider by phone and negotiate a lower rate on your behalf. The AI Negotiator will act solely within the scope you authorize — it will not agree to new contracts, extended terms, or additional services without your approval.
Results are not guaranteed. Not all providers will negotiate, and outcomes vary based on your account history, market conditions, and provider policies. If a negotiation is unsuccessful, you will be notified and no fee will be charged.
06Fees
The core Wizely service — subscription detection, dashboard, price-change alerts, free-trial countdowns, and cancellations — is free.
The AI Negotiator is performance-based:
- If the negotiation succeeds, Wizely charges 25% of the first month's savings, one time. This fee is charged after the new lower rate is confirmed on your account.
- If the negotiation does not result in savings, there is no charge.
By requesting an AI Negotiator session, you authorize Wizely to charge the performance fee to your payment method on file if a negotiation succeeds. You will receive a receipt detailing the savings achieved and the fee charged.
07Disclaimers
The subscription data Wizely displays is derived from your transaction history and is provided for informational purposes. It may not reflect all charges, pending transactions, or credits. Always verify important financial decisions against your official bank or card statements.
The Service is provided "as is" without any warranty of any kind, either express or implied, including but not limited to fitness for a particular purpose, merchantability, or non-infringement.
08Limitation of liability
To the fullest extent permitted by applicable law, Wizely and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including loss of funds, data, or goodwill — arising out of your access to or use of (or inability to access or use) the Service, even if we have been advised of the possibility of such damages.
Wizely is not liable for actions taken by subscription providers in response to a cancellation or negotiation request submitted on your behalf, including any early termination fees, continued charges during a notice period, or changes to service terms.
Our total liability for any claim arising from your use of the Service shall not exceed the greater of $100 USD or the total fees you paid to Wizely in the 12 months preceding the claim.
09Intellectual property
The Wizely app, website, design, and all associated software are © 2026 WizelyFinance. The "Wizely" name and logo are our trademarks. You may not reproduce, distribute, or create derivative works from our software or brand assets without written permission.
10Changes to these terms
We may update these terms at any time. Material changes will be accompanied by a version bump, an updated "last updated" date, and an email notification to your account address. Continuing to use the Service after changes are posted constitutes your acceptance of the updated terms.
11Governing law
These terms are governed by the laws of the State of New York, without regard to its conflict-of-law provisions. Any dispute arising from these terms or your use of the Service shall be resolved in the state or federal courts located in New York County, New York.
12Contact
Questions about these terms: hello@wizelyfinance.com or use our contact form. We reply to every message.
Questions about these terms?
If something here is unclear or you have a specific situation you'd like to discuss, email us. We're a small team and we respond to every message.