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
This clause grants Wise the power to suspend or restrict account access unilaterally when its reasonable-concern threshold is met, which can immediately affect a user's ability to access funds or services.
Interpretive note: The excerpt appears to continue beyond the two listed grounds (a) and (b); only those explicitly quoted are 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's account or profile may be suspended or have its functionality restricted whenever Wise has reasonable concerns about security or suspected unauthorized or fraudulent use.
How other platforms handle this
If we learn that we've collected the personal data of a child under the age of 13 or 16, as applicable, we'll take reasonable steps to delete the personal data. This may require us to delete the Skillshare account...
If our moderators decide to remove content, or suspend or terminate the Member's account, we will notify the Member and explain how to contact us.
If we become aware that a child has provided us with personal data without parental consent, we remove such data and terminate the child's account (except where we are required to retain all or a portion of such data for compliance purposes).
Monitoring
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"We may suspend your Profile or Wise Account, or restrict its functionality if we have reasonable concerns about: (a) the security of your Wise Account or your profile. (b) suspected unauthorized or fraudulent use...— Excerpt from Wise's Wise Terms of Use
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This clause grants Wise the power to suspend or restrict account access unilaterally when its reasonable-concern threshold is met, which can immediately affect a user's ability to access funds or services.
The reader's account or profile may be suspended or have its functionality restricted whenever Wise has reasonable concerns about security or suspected unauthorized or fraudulent use.
ConductAtlas has identified this type of provision across 278 platforms. See the full comparison.
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