A financial technology company that provides international money transfer services and multi-currency accounts, allowing users to send money across borders at lower costs than traditional banks. The platform holds customer funds and processes financial transactions globally, making its terms of service and privacy policies critical for understanding fee structures, currency conversion rates, data handling practices, and consumer protections. Policy changes can affect transaction costs, account features, and how personal financial information is collected, stored, and shared across international jurisdictions.
Higher = more protective of you, the user/customer — a deliberately user-protective lens, not a universal “good vs bad” score. Computed algorithmically from Wise’s cited governance stances; no dimension we haven’t confidently read is ever counted against the score. Free, reproducible, and never purchasable.
The 21-day notice requirement gives customers a defined window to review adverse changes and decide how to respond before those changes take effect.
The indemnification obligation means customers can be held financially responsible for Wise's legal costs and losses whenever a customer's breach of the Agreement or law gives rise to claims against …
This prohibition defines a category of financial activity that, if engaged in through a Wise Account, places the customer in breach of the Agreement.
The finality rule means customers generally cannot cancel or reverse a transaction after requesting it, subject only to exceptions in the Agreement or law.
By contractually limiting chargeback use to two specific conditions, Wise restricts customers from pursuing chargebacks for reasons outside those two circumstances.
This document sets the rules for using Wise's personal money transfer and account services. It makes your transactions final once you request them, limits when you can dispute a charge, …
Get the weekly coverage letter
Companies change their terms without announcing it. We capture governance documents, compare each new version with the last, and publish what changed, with the source text behind it. One email a week on what we found and what we could not reach.
ConductAtlas tracks 2 Wise documents including terms of service, privacy policy, and other governance documents. Every document is captured daily with cryptographic verification.
Wise has made 2 policy changes in the past 12 months across the documents ConductAtlas tracks.
ConductAtlas has classified 5 provisions across Wise's tracked documents.
Yes. Monitor subscribers ($4.99/month) can add Wise to their watchlist and receive an email alert after the daily check that finds a change to a tracked document. We check daily where we can, and show you where we can't.