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 establishes the mechanism by which contractual terms governing the service relationship may be changed without requiring mutual agreement or advance notice beyond website posting or email notification. It defines the effective date of modifications and the process by which users are informed of changes.
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 →Users operate under terms that may be amended by Wise at any time through website posting or email notice. The mechanism for accepting modified terms is continued use of the service after the effective date, rather than affirmative consent.
How other platforms handle this
We reserve the right to modify these Terms at any time. If we make changes to these Terms, we will provide notice of such changes, such as by sending an email notification, providing notice through the Service or updating the 'Last Updated' date at the beginning of these Terms. Your continued use of...
We reserve the right, at our sole discretion, to change or modify these Terms at any time. If we do this, depending on the nature of the change, we will post the changes on this page and indicate at the top of this page the date these Terms were last revised or notify you, either through the Website...
We may modify the Terms from time to time. The most current version of the Terms will be located here. You understand and agree that your access to or use of the Service is governed by the Terms effective at the time of your access to or use of the Service. If we make material changes to these Terms...
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"We may amend or modify this Agreement at any time by posting a revised version of it on our website or by notifying you. The modified Agreement will become effective upon posting or, if we notify you by email, as stated in the email. Your continued use of the services after the effective date of any modification will constitute your acceptance of the modified Agreement. If you do not agree to any modification, your only recourse is to terminate your account and stop using the services.— Excerpt from Wise's Wise Terms of Use
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This clause establishes the mechanism by which contractual terms governing the service relationship may be changed without requiring mutual agreement or advance notice beyond website posting or email notification. It defines the effective date of modifications and the process by which users are informed of changes.
Users operate under terms that may be amended by Wise at any time through website posting or email notice. The mechanism for accepting modified terms is continued use of the service after the effective date, rather than affirmative consent.
ConductAtlas has identified this type of provision across 57 platforms. See the full comparison.
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