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
The clause authorizes Wise to exercise broad reproduction, modification, and distribution rights over user-submitted content without time limitation or geographic restriction, enabling the company to incorporate such content into service operations and product development. The provision requires users to warrant ownership or rights authorization as a condition of submission.
The updated terms now authorize Wise to accept incoming funds via FedNow, a new instant payment service. The agreement states that FedNow transactions are processed in real time and generally cannot be canceled or reversed once completed, distinguishing them from traditional transfers that may have reversal windows. The terms also establish that Wise may decline any incoming FedNow transaction at its discretion where required for security, compliance, or operational reasons, without specifying advance notice or appeal procedures. Users receiving FedNow payments should understand that such transfers become final immediately upon completion.
View change record →Users transfer specified intellectual property rights to user-submitted content upon submission to the platform, permitting Wise to modify and distribute that content without additional compensation or notification. Users are required to warrant that they possess legal authority to grant these rights.
How other platforms handle this
By submitting, posting, or displaying content through the Services, you grant Gusto a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, and distribute such content solely for the purposes of providing and improving the Services.
By posting or submitting content to Eventbrite, you grant Eventbrite a non-exclusive, worldwide, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform your content in connection with the services and Eventbrite's busine...
By submitting, posting or displaying content on or through the Services, you grant us a worldwide, non-exclusive, royalty-free license (with the right to sublicense) to use, copy, reproduce, process, adapt, modify, publish, transmit, display and distribute such content in any and all media or distri...
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"By submitting, uploading, or otherwise providing any content, information, or materials to Wise in connection with your use of the services ('User Content'), you grant Wise a non-exclusive, worldwide, royalty-free, perpetual, irrevocable license to use, reproduce, modify, adapt, publish, translate, and distribute such User Content in connection with providing and improving our services. You represent and warrant that you own or have the necessary rights to grant this license.— Excerpt from Wise's Wise Terms of Use
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The clause authorizes Wise to exercise broad reproduction, modification, and distribution rights over user-submitted content without time limitation or geographic restriction, enabling the company to incorporate such content into service operations and product development. The provision requires users to warrant ownership or rights authorization as a condition of submission.
Users transfer specified intellectual property rights to user-submitted content upon submission to the platform, permitting Wise to modify and distribute that content without additional compensation or notification. Users are required to warrant that they possess legal authority to grant these rights.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Wise.