Wise can change the terms of your agreement at any time, and if you keep using the service after being notified, you automatically agree to the new terms.
This analysis describes what Wise's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This clause establishes the operational mechanism by which Wise may modify the contractual relationship without requiring mutual agreement or affirmative user consent. It transfers the timing and effective date of modifications from a bilateral agreement framework to Wise's unilateral action, with user acceptance imputed through continued use.
The updated terms extend the deadline for reporting transaction errors from 60 days to 120 days for all transactions except Send Money transfers. The 120-day period begins either from the first day you could see the error in your online account history or the day Wise sent the first written statement showing the error, whichever comes first. This change gives account holders twice as long to identify and report discrepancies before losing the right to dispute them.
View change record →This provision means the financial terms, fee structures, and legal rights governing your Wise account can change without your explicit consent — simply using the app after a notification constitutes agreement to potentially less favorable terms.
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Lyft reserves the right to terminate, discontinue, modify or cancel any promotions or programs at any time and in its sole discretion without notice to you.
Microsoft reserves the right to restrict the export of data that may compromise the security of the services or Microsoft's intellectual property.
Datadog reserves the right, but does not assume the obligation, to investigate any violation of these Terms or misuse of the Site.
"We may amend or modify this Agreement at any time by posting the amended Agreement on our website or by providing you with notice of the amendment. Any amendment to this Agreement will be effective upon the earlier of our posting the amended Agreement on our website or our providing you notice of the amendment. Your continued use of the Services following notice of any amendment constitutes your acceptance of the amendment.Excerpt from Wise's Terms of Use (Superseded URL)
(1) REGULATORY FRAMEWORK: Unilateral modification clauses in consumer financial contracts are assessed under EFTA (Regulation E, 12 CFR §1005.7) which requires 21 days advance notice for changes that adversely affect consumers' rights or increase fees.
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This clause establishes the operational mechanism by which Wise may modify the contractual relationship without requiring mutual agreement or affirmative user consent. It transfers the timing and effective date of modifications from a bilateral agreement framework to Wise's unilateral action, with user acceptance imputed through continued use.
This provision means the financial terms, fee structures, and legal rights governing your Wise account can change without your explicit consent — simply using the app after a notification constitutes agreement to potentially less favorable terms.
ConductAtlas has identified this type of provision across 263 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Wise.