Your rights and obligations as a Wise customer can change without your active consent — just a notification — and using the app after the change counts as acceptance.
Wise's US Customer Agreement limits your ability to sue Wise in court and requires arbitration for most disputes, eliminating your right to join a class action lawsuit. Wise can suspend or close your account with limited notice, potentially freezing access to your funds, and its liability to you is capped at fees you paid in the prior 12 months. You can opt out of the arbitration clause by notifying Wise in writing within 30 days of first accepting the agreement.