Wise can change the terms of this agreement at any time by posting updates online, and continuing to use the service after a change is treated as your agreement 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
You may be bound by new terms without being individually notified, as continued use of Wise's services is treated as acceptance regardless of whether you reviewed the updated agreement.
Interpretive note: Verbatim text was not retrievable from the truncated document; the excerpt reflects standard modification language consistent with Wise's US Customer Agreement and should be verified against the current published version.
If Wise updates its terms in ways that affect your rights, fees, or data use, your continued use of the app or service will be treated as acceptance of those changes, so it is important to monitor for notifications about term updates.
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"We may modify this Agreement at any time by posting the revised version on our website. The revised Agreement will be effective at the time we post it. Your continued use of our services after we make changes to this Agreement constitutes your acceptance of those changes.— Excerpt from Wise's Wise Terms of Use
REGULATORY LANDSCAPE: Unilateral modification clauses in consumer financial contracts interact with applicable state contract law and consumer protection statutes. The FTC has addressed the notice adequacy of online terms of service modifications, and some state courts have declined to enforce modifications made without adequate individualized notice to consumers. Regulation E requires advance notice of changes to terms affecting electronic fund transfer rights. GOVERNANCE EXPOSURE: Medium. The adequacy of notice for agreement modifications is a recurring area of regulatory and judicial scrutiny. Posting-only modification without individualized email or in-app notification may be challenged as insufficient constructive notice under applicable state law. JURISDICTION FLAGS: California courts have been particularly skeptical of constructive notice through website posting alone. New York commercial law generally permits modification by posting with reasonable notice, but consumer-oriented contracts face additional scrutiny. CONTRACT AND VENDOR IMPLICATIONS: Business customers and API partners should implement monitoring procedures to track agreement modifications and assess their impact on existing contracts and downstream obligations. Service level agreements with Wise should specify minimum notice periods for material term changes. COMPLIANCE CONSIDERATIONS: Compliance teams should implement version control and archiving for all published agreement versions. Notification mechanisms for material changes should be reviewed to ensure they meet applicable legal standards, particularly for changes affecting payment terms, fees, or arbitration provisions.
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You may be bound by new terms without being individually notified, as continued use of Wise's services is treated as acceptance regardless of whether you reviewed the updated agreement.
If Wise updates its terms in ways that affect your rights, fees, or data use, your continued use of the app or service will be treated as acceptance of those changes, so it is important to monitor for notifications about term updates.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Wise.