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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 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.
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If twenty-five (25) or more Demands for arbitration...are initiated (i) that involve common questions of law or fact and (ii) where the initiating parties are represented by the same law firm...such Demands shall be administered pursuant to this paragraph.
in the event that there are 100 or more individual Requests of a similar nature filed against Chegg by or with the assistance of the same law firm...within a 30 day period...the AAA (1) will administer the arbitration demands in batches of 100 Requests per batch...
If 25 or more claimants submit Informal Notices or Demands ... the AAA's Mass Arbitration Supplementary Rules ... shall apply, and all of the cases must be resolved in arbitration under the process described in this Section 17(h).
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"If 25 or more claimants seek to file arbitrations raising similar claims and are represented by the same counsel or counsel working together (a "Mass Filing"), the JAMS Mass Arbitration Procedures and Guidelines will apply.Excerpt from Wise's 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 clause states: “If 25 or more claimants seek to file arbitrations raising similar claims and are represented by the same counsel or counsel working together (a "Mass Filing"), the JAMS Mass Arbitration Procedures and Guidelines will apply.”
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