We are authorised as a payment institution by the National Bank of Belgium ("NBB") under the PIL.</p> <p> <strong>5.4 How to contact us.</strong> You can contact us by email, web chat or telephone. Our contact details are provided on the "Contact" page of our Website.</p> 6. Who can use our Services <p> <strong>6.1 You must be 18 years or over.</strong> If you are an individual, you must be 18 years or older to use our Services and by opening a Wise Account you declare that you are 18 years or older.