Terms of Use

Effective 11 November 2026

These terms are an agreement between you and Greek Pay LLC ("we", "us") for using the Abroadwise iPhone app and this website. By using Abroadwise you agree to them. If you do not agree, please do not use it.

1. What Abroadwise is

Abroadwise is a budgeting and trip-planning tool for a semester abroad. It works out what is safe to spend from the numbers you give it, and it shows general information about places you might visit.

Abroadwise is made for university students and is not directed at children under 13.

2. Estimates, not advice

Abroadwise is not a financial adviser, a travel agent or a bank. Nothing in it is financial, legal, immigration, medical or travel advice.

• Your budget is arithmetic on what you enter and, if you use bank sync, on what your bank reports. If an expense is missing, late or wrongly converted, the numbers will be off. Exchange rates are daily reference rates, not the rate your bank or card will give you.
• Prices and costs for places, weekends, transport and stays are rounded estimates for planning. Real prices change constantly and can be very different.
• Visa, entry, safety and health information, including travel advisory levels, can be incomplete, wrong or out of date, and may not apply to your nationality or situation.
• Events, festivals, holidays and weather are typical or announced dates and averages. Events are moved and cancelled.

Before you book, travel or make a decision that matters, check with official sources: your programme, the transport operator, the venue, and the relevant government or consulate. You are responsible for your own money and travel decisions.

3. The Semester Pass

Abroadwise is free to use. Bank sync is the one paid feature and needs a Semester Pass.

• The pass is a single, non-renewing in-app purchase. It lasts 180 days from the date of purchase and then ends on its own. There is nothing to cancel.
• You buy it through Apple, at the price shown in the app before you pay. Apple processes the payment.
• Refunds are handled by Apple under its policies. You can ask for one at reportaproblem.apple.com. If a purchase is refunded, the pass ends.
• One pass can link up to three banks. Bank sync works with US banks and cards that Plaid supports; we cannot promise that a particular bank will connect or stay connected.
• About 14 days after a pass ends, banks linked under it are disconnected. Spending already imported stays on your phone.
• On a new or restored iPhone, use Restore Purchases to get your pass back.

4. Other companies' services and links

Bank sync is provided through Plaid. When you link a bank you also agree to Plaid's terms and its End User Privacy Policy, and you authorise Plaid to retrieve your account information from your bank for use in Abroadwise.

Abroadwise links to other websites, including Skyscanner, Omio, Hostelworld and Booking.com for live prices. We do not run those sites and are not responsible for their content, prices or availability. Anything you book there is between you and that company. Some links may be affiliate links, which means we may earn a commission if you book; the app says so where that applies.

5. Using Abroadwise fairly

You agree not to:

• use Abroadwise to break the law, or link a bank account you are not entitled to use;
• interfere with the service, overload it, or try to get around its security or its paid features;
• copy, resell or extract the place guides and other content in bulk, or pass them off as your own.

We may suspend access to the server-backed parts of Abroadwise for anyone who does.

6. Our content

The app, its design and its content belong to us or to those who license it to us. We give you a personal, non-transferable licence to use the app on Apple devices you own or control, as Apple's App Store rules allow. What you enter into the app is yours.

7. Privacy

The Privacy Policy explains what is stored on your phone, what our server holds, and how to delete it.

8. No warranty

Abroadwise is provided "as is" and "as available". To the fullest extent the law allows, we make no warranties, express or implied, including that it will be accurate, uninterrupted, error-free or fit for a particular purpose. Your data is stored on your phone; keeping a backup is up to you.

9. Limit of liability

To the fullest extent the law allows, we are not liable for indirect, incidental, special or consequential losses, or for lost money, lost bookings, missed travel or lost data, arising from your use of Abroadwise or from relying on its figures or information. Our total liability for any claim is limited to the amount you paid us for Abroadwise in the 12 months before the claim, or US$10 if that is greater.

Some places do not allow some of these limits, so parts of sections 8 and 9 may not apply to you. Nothing in these terms removes rights you have by law that cannot be waived.

10. Apple

These terms are between you and us, not Apple. Apple is not responsible for the app or its content and has no obligation to provide maintenance or support for it. If the app fails to meet any warranty that applies, you may tell Apple and Apple will refund what you paid for it; beyond that, and as far as the law allows, Apple has no other warranty obligation. Claims about the app, including product liability, legal compliance, consumer protection and intellectual property claims, are ours to deal with, not Apple's. You confirm that you are not in a country under a US government embargo and are not on a US government list of prohibited or restricted parties. Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you.

11. Governing law

These terms are governed by the laws of the State of Utah, USA, without regard to its conflict-of-law rules. Disputes will be heard in the courts of the state and federal courts located in Utah, unless the law where you live gives you the right to bring a claim elsewhere.

12. Changes

We may change the app and these terms. If the terms change, we will post the new version here and change the effective date. If you keep using Abroadwise after a change, the new terms apply. We may stop offering Abroadwise or any part of it; if that affects a pass you have paid for, refund requests go through Apple.

13. Contact

Greek Pay LLC
hello@abroadwise.app