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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California residents have the right to request certain information regarding our disclosure of personal information...to third parties for their direct marketing purposes unless we provide them with an ability to exercise choice regarding such disclosures.
You may also change your preference and "opt out" of receiving certain marketing communications from us by clicking the unsubscribe link included at the bottom of all such communications...
to object to profiling activities based on our own legitimate interests
"If you are a California resident, you have a right to receive communications about your Wise Account and the Services by email.Excerpt from Wise's Terms of Use
Ad personalization controls removed. Contact scanning added. Advertiser data partnerships quietly dropped. A timeline of every change.
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The clause states: “If you are a California resident, you have a right to receive communications about your Wise Account and the Services by email.”
ConductAtlas has identified this type of provision across 290 platforms. See the full comparison.
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