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.
This provision grants Wise operational authority to restrict account access and withhold funds based on its internal determination of compliance risk or policy violation, without requiring prior noti…
This provision requires that all disputes, including those regarding fees, account suspensions, or unauthorized transactions, proceed through individual arbitration administered by the AAA. It forecl…
This provision establishes a ceiling on Wise's monetary exposure to individual users that, for users who paid minimal fees, could be as low as $100, regardless of the amount of any disputed transacti…
This provision requires that any claim against Wise be brought on an individual basis, which means users cannot join or initiate class or representative actions arising from common grievances related…
This provision requires disputes to proceed through JAMS individual arbitration, which forecloses court litigation as the default dispute resolution mechanism for claims arising from account use, tra…
This is the Wise US Customer Agreement, covering all personal and business account holders who use Wise's money transfer, multi-currency account, debit card, and currency conversion services in the United …
This is Wise's US Customer Agreement, which governs personal accounts used for international money transfers, currency conversion, multi-currency balances, debit card transactions, and interest-earning features for US residents. The agreement …
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, …
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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 55 provisions across Wise's tracked documents. 17 are rated high severity, 36 medium, and 2 low.
Yes. Monitor subscribers ($19/month) can add Wise to their watchlist and receive same-day email alerts whenever any tracked document changes.