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.
View change record →How other platforms handle this
use TikTok Content...another user's content or generative AI-enabled features for commercial purposes unless permitted by TikTok USDS Joint Venture or the user, respectively...
access or use the Services in a manner that suggests an association with our products, services or brands
Use the services for commercial activities and/or promotions such as contests, sweepstakes, barter, pyramid schemes, advertising, affiliate links, and other forms of solicitation.
"Accessing the Wise Services from a country that Wise is not permitted to operate.Excerpt from Wise's Terms of Use
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The clause states: “Accessing the Wise Services from a country that Wise is not permitted to operate.”
ConductAtlas has identified this type of provision across 282 platforms. See the full comparison.
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