Provision record
Wise · Wise US Customer Agreement · View original document ↗

Wise May Use Debt Collection Agency

Medium severity Common · 269 of 352 platforms
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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

How other platforms handle this

Hims & Hers Medium

Hims & Hers reserves the right to take whatever lawful actions it may deem appropriate in response to actual or suspected violations of the foregoing, including, without limitation, the suspension or termination of a User's access and/or account.

SoFi Medium

If you fail to add funds to your SoFi Checking or Savings account, SoFi reserves the right to terminate your SoFi Plus benefits.

Pinterest Medium

Where appropriate, you may appeal the decisions you think were made in error.

See all platforms with this clause type →
▸ View Original Clause Language DOCUMENT RECORD
"
We may also recover amounts you owe us through other collection avenues, including, without limitation, using a debt collection agency...

Excerpt from Wise's US Customer Agreement

Applicable regulations

EFTA / Reg E
United States Federal
FTC Act Section 5
United States Federal
GLBA
United States Federal

Provision details

Document information
Document
Wise US Customer Agreement
Entity
Wise
Date stated by the document
Sept. 25, 2026
As printed in Wise’s text (version CA-V-007159), not a ConductAtlas date.
Tracking information
First captured by ConductAtlas
March 19, 2026
Text quoted from version
CA-V-007159, captured Sept. 26, 2026
Record ID
CA-P-036372
Document ID
CA-D-000265
Evidence Provenance
Source URL
Wayback Machine
Archived bytes SHA-256 (version CA-V-007159)
bb68eee0fc794bdd7f1aebb7e6d94118a88e359c3e4b16ae2e7a2c5fef564df5
Analysis generated
May 21, 2026 00:40 UTC
Methodology
Evidence
✓ Excerpt found in version CA-V-007159, captured Sept. 26, 2026 (checked Oct. 5, 2026)
Citation Record
Entity: Wise
Document: Wise US Customer Agreement
Record ID: CA-P-036372
Version: CA-V-007159
Captured: 2026-09-26 00:44:02 UTC
SHA-256: bb68eee0fc794bdd…
URL: https://conductatlas.com/platform/wise/wise-us-customer-agreement/provision/CA-P-036372/wise-may-use-debt-collection-agency/
Accessed: Oct. 13, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
Medium
Categories

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Frequently Asked Questions

What does Wise's Wise May Use Debt Collection Agency clause do?

The clause states: “We may also recover amounts you owe us through other collection avenues, including, without limitation, using a debt collection agency...”

How many platforms have this type of clause?

ConductAtlas has identified this type of provision across 269 platforms. See the full comparison.

Is ConductAtlas affiliated with Wise?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Wise.