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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.
High, provisions that significantly limit your legal rights, authorize broad data collection, or create material financial exposure. Medium, provisions worth knowing about but with partial protections or limited scope. Low, standard terms with minimal consumer impact.
The 21-day mandatory notice period ensures users have advance warning before adverse Agreement changes take effect, giving them time to respond.
This clause establishes a narrow but explicit cancellation window and a conditional refund obligation, which directly limits and defines the user's recourse after initiating a remittance transfer.
This indemnification clause can expose the user to significant financial liability, including Wise's legal fees, for a broad range of conduct including breaches of applicable law or regulation and ac…
The absence of automatic deposit insurance means users bear the risk of loss on funds held with Wise without the protections that apply to traditional bank deposits.
The immediate repayment obligation without any notice requirement means Wise can treat a negative balance as an immediately due debt the moment it arises, with no grace period or demand required.
This document sets the rules for using Wise's services, including how disputes are handled, what happens when your account has a negative balance, and how your money is protected. Notably, …
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, …
Wise updated its Terms of Use on May 15, 2026 to add provisions governing FedNow instant payment service. The updated terms state that Wise accounts may receive funds via FedNow, …
View change record →ConductAtlas tracks 3 Wise documents including terms of service, privacy policy, and other governance documents. Every document is captured daily with cryptographic verification.
Wise has made 7 policy changes in the past 12 months across the documents ConductAtlas tracks.
ConductAtlas has classified 56 provisions across Wise's tracked documents. 17 are rated high severity, 35 medium, and 4 low.
Yes. Monitor subscribers ($4.99/month) can add Wise to their watchlist and receive same-day email alerts whenever any tracked document changes.