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
Copy, modify, or create derivative works of the services or any Content (excluding Your Content) without our express written permission.
Any intellectual property rights vested by Twilio under this Agreement will include the rights set forth in Article 27 (Right of Adaptation) and 28 (Original Author's Right in Derivative Works) of the Copyright Act of Japan...
You may not use any Stability name, logos, or trademarks, or imply any affiliation, endorsement, or sponsorship, without Stability's prior written permission.
"Modify, copy, tamper with or otherwise create derivative works of any software included in the Wise Materials.Excerpt from Wise's Terms of Use
Get the research letter
Companies change their terms quietly. We read every version and catch what actually changed. One email a week on the changes that matter and what they mean.
The clause states: “Modify, copy, tamper with or otherwise create derivative works of any software included in the Wise Materials.”
ConductAtlas has identified this type of provision across 257 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Wise.