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 broad scope of the arbitration clause—covering all disputes regardless of legal theory and including past and future events—substantially limits the user's ability to pursue claims in court.
Interpretive note: The excerpt appears to continue beyond what is quoted; only the quoted language is reflected in the claim.
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 →The reader is required to arbitrate any dispute or claim arising out of or relating to the Agreement with Wise, regardless of the legal theory or timing of the underlying events.
How other platforms handle this
Chegg will not seek, and hereby waives all rights it may have under applicable law to recover, attorneys' fees and expenses if it prevails in arbitration, unless the arbitrator finds that...the substance of your claim...was frivolous or was brought for an improper purpose...
if Company makes any future material change to this Arbitration Agreement, you may reject that change within thirty (30) days of such change becoming effective by writing Company...
You or Walmart may appeal an arbitration award that manifestly disregards the law by filing a notice of appeal with the AAA within 30 days after an award is rendered and delivered to the parties.
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"You and we agree to arbitration for all disputes or claims between you and us, regardless of legal theory, whether based on past, present, or future events, that arise out of or relate to this Agreement...— Excerpt from Wise's Wise Terms of Use
Coinbase's User Agreement includes a mandatory arbitration clause that most users may not have reviewed. Here is what the clause states and how the opt-out process works.
561 arbitration provisions across 197 platforms. ConductAtlas tracks how dispute resolution is being restructured across the internet.
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The broad scope of the arbitration clause—covering all disputes regardless of legal theory and including past and future events—substantially limits the user's ability to pursue claims in court.
The reader is required to arbitrate any dispute or claim arising out of or relating to the Agreement with Wise, regardless of the legal theory or timing of the underlying events.
ConductAtlas has identified this type of provision across 207 platforms. See the full comparison.
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