Wise Business Account Assistance Agreement

Parties

This Agreement is entered into between HAVENCREST VENTURES LLC ("Company", "we", "our") and the customer ("Client", "you").

By purchasing this service, you acknowledge that you have read, understood, and agreed to all terms set forth in this Agreement.

Description of the Service

The Company provides guidance and support to help the Client open a Wise Business account for the Client's own United States Limited Liability Company.

The service may include:

• Review of the Client's LLC status, EIN, and business address to confirm readiness before applying
• A written checklist of the documents and information required by Wise
• Guidance on selecting the correct business category and business description
• Live guidance during the application, provided while the Client operates their own device
• Review of the information entered by the Client before submission
• Assistance in preparing responses to verification requests received from Wise
• Telegram support throughout the process

The Company assists the Client throughout the process but does not guarantee that Wise will approve the account. Approval decisions are made by Wise alone, according to its own internal criteria.

What the Service Does Not Include

For the protection of both parties, and to keep the Client's account in good standing, the parties expressly agree that the Company will not:

• submit the application to Wise on the Client's behalf
• complete identity verification on the Client's behalf
• request, receive, or store the Client's login credentials, passwords, or verification codes
• access or operate the Client's Wise account at any time
• connect to the Client's device through remote-control software such as AnyDesk, TeamViewer, or RDP during registration, login, or identity verification

Fees and Third-Party Costs

The price of this service is displayed during the checkout process before payment.

In addition to the service fee, the Client is responsible for any fees charged directly by Wise. These may include the one-time fee to activate United States account and routing details, and any transaction or currency conversion fees.

Wise fees are paid by the Client directly to Wise. The Company does not collect, hold, or receive these amounts, and Wise may change its fees at any time.

Identity Verification

Wise is required by law to verify the identity of the person who owns and controls the business. This verification must be completed by the Client personally.

The Client agrees to:

• create the Wise account personally, from the Client's own device
• enter their own password and receive their own confirmation codes
• complete identity verification personally, using their own genuine identification documents
• communicate with Wise support directly under their own name

The Company provides guidance at every step but does not perform any of these actions for the Client.

Eligibility and Compliance

By purchasing this service, the Client represents and warrants that:

• the Client is the genuine beneficial owner of the company for which the account is being opened
• the Client is acting on their own behalf and not on the instruction of any third party
• the Client is not subject to any sanctions or restrictive measures
• all funds involved are of lawful origin
• all information and documents supplied are true, accurate, and belong to the Client

Wise determines which countries and applicants it serves, and these rules may change without notice. The Company cannot influence eligibility decisions.

Client Responsibilities

The Client agrees to:

• provide accurate personal and company information
• provide valid identification documents when requested
• provide genuine proof of address if Wise requires it
• cooperate during the application process
• forward requests received from Wise promptly, so that guidance can be given in time
• respond promptly to reasonable requests for information

The Client understands that inaccurate, incomplete, or misleading information may delay or prevent approval, and may result in the account being closed after opening.

Third-Party Services

Wise is an independent third-party provider. The Company is not responsible for:

• refusal to open an account
• verification delays or processing times
• suspension, restriction, freezing, or closure of an account
• funds held in or transferred through the Client's account
• changes to Wise's terms, fees, eligibility rules, or country coverage
• any decision made by Wise at any time

Intellectual Property

All guides, templates, checklists, instructions, documents, videos, and other materials provided by the Company remain the exclusive intellectual property of HAVENCREST VENTURES LLC.

The Client receives access solely for personal use.

The Client may not copy, reproduce, distribute, publish, resell, or otherwise use any materials without the Company's prior written consent.

No Legal, Tax, or Financial Advice

The Company does not provide:

• legal advice
• tax advice
• accounting services
• financial or investment advice
• immigration advice

The Client is solely responsible for complying with the laws, tax regulations, and currency control rules applicable in their country of residence.

Refund Policy

Due to the nature of this service, work may begin immediately after payment is received.

Once work has started, all payments are non-refundable.

Because the service consists of guidance and support rather than a guaranteed outcome, a refusal by Wise to open an account does not entitle the Client to a refund.

If the Company has not yet begun providing the service, a refund may be issued solely at the Company's discretion.

Limitation of Liability

The Company's total liability shall be limited to the amount actually paid by the Client for this service.

The Company shall not be liable for any indirect, incidental, consequential, or special damages arising from the use of this service, including loss of funds, loss of business, or loss of access to any account.

Governing Law

This Agreement shall be governed by the laws of the State of Wyoming, United States, without regard to its conflict of law principles.

Acceptance

By purchasing this service and checking the acceptance box during checkout, the Client confirms that:

• they have read this Agreement
• they understand this Agreement
• they voluntarily agree to all terms
• this electronic acceptance has the same legal effect as a handwritten signature
• the electronic acceptance constitutes a legally binding agreement between the Client and HAVENCREST VENTURES LLC