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Legal
These Terms of Use explain the rules governing access to and use of the WYA website.
These Terms of Use govern your access to and use of this website.
In these Terms, “WYA” means WYA LIMITED, and “we”, “us” and “our” refer to WYA.
By accessing or using this website, you agree to be bound by these Terms of Use.
If you do not agree with these Terms of Use, you should not access or use this website.
WYA, short for Wherever You Are, develops technology, AI intelligence and international connectivity for a global network of licensed banking partners.
This website is intended for financial institutions, technology companies, investors, individuals, prospective team members and others seeking information about WYA.
This website does not provide payment, lending, investment, wealth management, legal, tax, regulatory or other regulated financial services or advice.
WYA does not provide regulated financial services through this website.
In WYA’s model, licensed partner banks provide regulated banking services under their own terms, eligibility requirements and applicable protections. WYA provides the technology, AI intelligence and international connectivity.
Features described as planned, proposed or under development are not currently available through this website. Availability depends on partner arrangements, location and launch readiness.
Nothing on this website constitutes an offer, solicitation, recommendation or commitment to provide or arrange any regulated financial product or service.
The content on this website is provided for general information only.
The 1B+ figure is based on IFAD’s September 2026 estimate of people connected through international remittances. It is a contextual indicator, not a count of WYA customers.
Although we seek to keep the information accurate and current, we do not guarantee that the website or its content will always be complete, accurate, current, available, secure or free from errors.
You should not rely on website content as professional, legal, regulatory, tax, investment or financial advice.
We may modify, update, suspend or withdraw any part of this website at any time without prior notice.
Submitting an enquiry or expressing interest in membership does not grant membership or create a client, customer, advisory, fiduciary, employment, investment, partnership or other contractual relationship with WYA.
A submission does not oblige WYA to respond, provide any service or enter into any relationship or transaction.
WYA is a registered trade mark in the United Kingdom.
The WYA name, trade mark and associated branding, together with the website’s content, design, text, graphics, logos, visual assets and other materials, are owned by or licensed to WYA unless otherwise stated.
You may access and use this website for personal information, legitimate business evaluation and other lawful purposes.
You must not copy, reproduce, modify, distribute, scrape, extract, reverse engineer or commercially exploit any part of this website without WYA’s prior written permission, except where permitted by law.
You must not:
This website may contain links to third-party websites or services for convenience or information.
We do not control and are not responsible for the content, security, availability, policies or practices of any third-party website or service.
The inclusion of a link does not constitute an endorsement of the linked website, organisation, product or service.
To the fullest extent permitted by applicable law, WYA excludes liability for loss or damage arising from or connected with your use of, reliance on, or inability to access or use this website or its content.
WYA is not responsible for loss or damage caused by third-party websites, malicious software, distributed denial-of-service attacks or other material that may affect your device, software, data or other property through use of this website.
Nothing in these Terms of Use excludes or limits liability for fraud or fraudulent misrepresentation, death or personal injury caused by negligence, or any other liability that cannot lawfully be excluded or limited.
Your use of this website is also governed by our Privacy Policy and Cookie Policy.
These policies explain how we collect, use and protect personal information and how cookies and similar technologies are used on this website.
These Terms of Use are governed by and construed in accordance with the laws of England and Wales.
Any dispute arising from or relating to these Terms of Use or this website will be subject to the exclusive jurisdiction of the courts of England and Wales, except where applicable law provides otherwise.
Questions about these Terms of Use may be submitted through our Contact page.
WYA is a private limited company registered in England and Wales under company number 17010105.
Registered office: 100 Bishopsgate, London, England, EC2N 4AG.