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
Wise's data collection scope is extensive for a money transfer service, and sharing with third-party service providers for product improvement purposes goes beyond what is strictly necessary for processing your transactions.
The agreement governs how Wise handles your money, personal and financial data, and any disputes that arise, including how and when your account can be suspended or closed. The mandatory arbitration clause and class action waiver mean that if something goes wrong, you would resolve disputes individually through arbitration rather than in court or as part of a group lawsuit, which limits certain legal options. You can typically opt out of the arbitration clause by submitting a written opt-out notice to Wise within the timeframe specified in the agreement, usually 30 days of account creation.
How other platforms handle this
Your use of the Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Services, you consent to the collection, use, and disclosure of your information as described in our Privacy Policy.
When you visit the Careers portion of our websites, we collect the information that you provide to us in connection with your job application. This includes but is not limited to business and personal contact information, professional credentials and skills, educational and work history and other in...
American does not knowingly collect personal information directly from children – persons under the age of 13, or another age if required by applicable law – other than when required to comply with the law or for safety and security reasons. Due to the nature of our Services, we may collect travel i...
Monitoring
Wise has changed this document before.
Receive same-day alerts, structured change summaries, and monitoring for up to 10 platforms.
"By using our services, you agree that we may collect, process, store and share your personal information, including identity documents, transaction data, device information, and location data, in accordance with our Privacy Policy. We may share your information with third-party service providers, financial institutions, regulatory authorities, and law enforcement agencies as required by law or as necessary to provide the services. We may also use your information to detect and prevent fraud, comply with our legal obligations, and improve our products and services.— Excerpt from Wise's Wise Terms of Use
Netflix updated its Privacy Statement on April 18, 2026, disclosing voice recording collection and expanded household ad profiling for the first time.
Google's Privacy Policy covers Search, Gmail, YouTube, Maps, and every site running Google Analytics. Here is what it actually authorizes.
Professional Governance Intelligence
Need to monitor specific governance provisions?
Professional includes provision-level monitoring, governance timelines, regulatory mapping, and audit-ready analysis.
Built from archived source documents, structured governance mappings, and historical version tracking.
Wise's data collection scope is extensive for a money transfer service, and sharing with third-party service providers for product improvement purposes goes beyond what is strictly necessary for processing your transactions.
ConductAtlas has identified this type of provision across 1 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Wise.