{"schema":"https://policywatcher.online/schemas/evidence-packet/v1","schemaVersion":"1.1.0","mappingVersion":"2026-07-29.1","changeId":"1ee56dc2-c83e-487d-b4fd-87941d259695","screeningDate":"2026-11-07T19:44:21.067Z","publicationGate":"published","company":{"id":"eaf6c865-63a3-4c4f-bd2b-00eb6d0071d5","name":"Wise","slug":"wise","industry":"FinTech"},"policy":{"id":"4f9049fc-627c-4f18-8b1d-c781b287d13d","name":"US Business Customer Agreement","type":"terms","jurisdiction":"US","sourceUrl":"https://wise.com/us/legal/terms-of-use-business"},"sourceConfidence":{"state":"verified-retrieval","lastCheckedAt":"2026-11-07T19:44:21.046Z","retrievalChannel":"direct","dataStatus":"Available","publicSnapshotEvidence":true,"limitation":"Source confidence describes recorded retrieval and publication state. It does not rate the provider policy or certify source authenticity."},"snapshots":{"old":{"version":1,"sha256":"67506b17ce0fdb64640ed644d6a1caf76c675c556169d9586b653c08679c8ba9","capturedAt":"2026-10-02T04:58:08.943Z"},"current":{"version":2,"sha256":"88cc231055a5504c34b72ef4c48167e442db8dd73c4ab3cf0112b0f135922656","capturedAt":"2026-11-07T19:44:21.046Z"}},"analysisLineage":{"status":"verified","requestSha256":"871e111b0796916c298bc958413280835e58120d997731a7663e4588bec8856d","responseSha256":"78e424ddf6c07f3ee6bdca64004d4a6b265034626eaee43f4515f9c437285669","model":"gemini-2.5-flash","promptVersion":"policy-analysis.v3-full-document","schemaVersion":"policy-analysis.schema.v2","inputCoverage":"complete","semanticCoverage":"not_measured","documents":{"old":{"sha256":"67506b17ce0fdb64640ed644d6a1caf76c675c556169d9586b653c08679c8ba9","charLength":123594,"byteLength":123959,"rangeUnit":"utf16-code-unit","includedRanges":[[0,123594]],"excludedRanges":[]},"new":{"sha256":"88cc231055a5504c34b72ef4c48167e442db8dd73c4ab3cf0112b0f135922656","charLength":123662,"byteLength":124027,"rangeUnit":"utf16-code-unit","includedRanges":[[0,123662]],"excludedRanges":[]}},"boundary":"Hash verification links retained inputs and the application SDK request. It does not prove provider execution, semantic completeness or legal correctness."},"captureLineage":{"old":{"provenance":"unknown","sourceUrl":null,"requestedUrl":null,"finalUrl":null,"capturedAt":"2026-10-02T04:58:08.943Z","urlDisclosure":"credentials-query-fragment-redacted"},"current":{"provenance":"captured","sourceUrl":"https://wise.com/us/legal/terms-of-use-business","requestedUrl":"https://wise.com/us/legal/terms-of-use-business","finalUrl":"https://wise.com/us/legal/terms-of-use-business","capturedAt":"2026-11-07T19:44:21.046Z","urlDisclosure":"credentials-query-fragment-redacted"}},"assessment":{"summary":"Wise updated its business agreement to clarify the \"Basic Interest feature\" and its legal terms, but key clauses like mandatory arbitration remain.","overallRisk":"Medium","overallScore":6,"previousPublicChange":null,"scoreDelta":null,"direction":"baseline","reasons":[{"icon":"alert","textEn":"Mandatory arbitration clause limits legal recourse for disputes.","textIt":"La clausola di arbitrato obbligatorio limita il ricorso legale per le controversie.","deltaScore":-2,"evidenceQuote":"This Agreement contains a Dispute Resolution provision, at Section 28, which waives jury trials and class actions and allows either you or Wise to choose to have a dispute resolved in arbitration on an individual basis.","evidenceSide":"new","relatedKpi":"kpiRegulatoryCompliance","anchorStatus":"verified"},{"icon":"warning","textEn":"Broad data sharing with third parties, including credit bureaus, is permitted.","textIt":"Ampia condivisione dei dati con terze parti, inclusi i credit bureau, è consentita.","deltaScore":-1,"evidenceQuote":null,"evidenceSide":null,"relatedKpi":"kpiThirdPartySharing","anchorStatus":"not-recorded"},{"icon":"info","textEn":"Clarity on \"Basic Interest feature\" and dedicated legal terms improve transparency.","textIt":"La chiarezza sulla \"funzione di interesse di base\" e i termini legali dedicati migliorano la trasparenza.","deltaScore":1,"evidenceQuote":"Money held in Jars could earn interest if you opt into our Basic Interest feature. The funds may also carry pass-through FDIC insurance up to $250,000 through our partner Bank. Restrictions apply. Visit https://wise.com/us/legal/us-basic-in","evidenceSide":"new","relatedKpi":"kpiRegulatoryCompliance","anchorStatus":"verified"}],"keyPoints":[{"textEn":"The \"interest feature\" is now clearly named \"Basic Interest feature\" for better understanding.","textIt":"La \"funzione di interesse\" è ora chiaramente denominata \"funzione di interesse di base\" per una migliore comprensione.","sentiment":"positive"},{"textEn":"A specific legal URL is provided for detailed terms of the Basic Interest program.","textIt":"Viene fornito un URL legale specifico per i termini dettagliati del programma di interesse di base.","sentiment":"positive"},{"textEn":"Mandatory arbitration and class action waivers are still present, limiting dispute resolution options.","textIt":"L'arbitrato obbligatorio e le rinunce alle class action sono ancora presenti, limitando le opzioni di risoluzione delle controversie.","sentiment":"negative"},{"textEn":"Broad data sharing practices for business and team member information persist.","textIt":"Persistono ampie pratiche di condivisione dei dati per le informazioni aziendali e dei membri del team.","sentiment":"negative"}],"regionImpacts":[{"region":"EU","perspective":"Enterprise","riskLevel":"Medium","impactAnalysisEn":"EU businesses using Wise must ensure their data processing activities, including transfers to Wise US, comply with GDPR. The broad data sharing clauses require careful review for compliance.","complianceNoteEn":"GDPR Art. 28, 44-49"},{"region":"EU","perspective":"Individual","riskLevel":"High","impactAnalysisEn":"GDPR principles regarding data sharing and deletion rights are not explicitly addressed for EU individuals, potentially raising concerns if their data is processed. Cross-border data transfers to the US would require robust legal mechanisms.","complianceNoteEn":"GDPR Art. 44-49"},{"region":"Global","perspective":"Enterprise","riskLevel":"Medium","impactAnalysisEn":"Global businesses using Wise must align their internal compliance with Wise's terms, especially regarding data handling and dispute resolution mechanisms. Cross-border data flows need to be managed according to international standards.","complianceNoteEn":null},{"region":"Global","perspective":"Individual","riskLevel":"Medium","impactAnalysisEn":"Individuals globally should be aware of the mandatory arbitration clause and broad data sharing, which might differ from protections in their home jurisdictions. Lack of explicit data deletion rights is a general privacy concern.","complianceNoteEn":null},{"region":"US","perspective":"Enterprise","riskLevel":"Low","impactAnalysisEn":"The agreement is tailored for US businesses, addressing licensing and federal/state financial regulations. The arbitration clause is standard for US business contracts, providing a clear dispute resolution path.","complianceNoteEn":"State Money Transmitter Laws"},{"region":"US","perspective":"Individual","riskLevel":"Medium","impactAnalysisEn":"As a business agreement, consumer privacy laws like CCPA/CPRA may not fully apply. The mandatory arbitration clause significantly limits an individual's ability to pursue class action lawsuits.","complianceNoteEn":"CCPA, Federal Arbitration Act"}],"explanationBoundary":"Score reasons and deltaScore values are stored AI-assisted screening outputs. Verified anchors confirm only that the quoted passage occurs in the named snapshot; they do not prove the interpretation."},"governance":{"boundary":"Mappings identify review relevance between recorded PolicyWatcher KPI fields and framework topics. They are not legal interpretations, conformity assessments, certifications or compliance verdicts.","mappings":[{"framework":{"id":"eu-ai-act","name":"Regulation (EU) 2024/1689 (EU AI Act)","shortName":"EU AI Act","referenceUrl":"https://eur-lex.europa.eu/eli/reg/2024/1689/oj","referenceVersion":"Official Journal text, 2024","reviewQuestion":"Which recorded policy statements may be relevant to transparency, automated decisions, data use and human oversight review?","kpiFields":["kpiAiTrainingOptOut","kpiAlgoTransparency","kpiAutomatedDecision","kpiAiBiasFairness"]},"status":"mapped","assessedCount":3,"mappedFieldCount":4,"evidence":[{"field":"kpiAlgoTransparency","label":"Algorithmic transparency","value":"Opaque"},{"field":"kpiAutomatedDecision","label":"Automated decisions","value":"Opaque"},{"field":"kpiAiBiasFairness","label":"AI bias and fairness","value":"Absent"}]},{"framework":{"id":"iso-42001","name":"ISO/IEC 42001:2023","shortName":"ISO/IEC 42001","referenceUrl":"https://www.iso.org/standard/42001","referenceVersion":"ISO/IEC 42001:2023 overview","reviewQuestion":"Which recorded policy statements may inform an AI management-system review of transparency, risk oversight and independent assurance?","kpiFields":["kpiAlgoTransparency","kpiAiBiasFairness","kpiIndependentAudit","kpiRegulatoryCompliance"]},"status":"mapped","assessedCount":4,"mappedFieldCount":4,"evidence":[{"field":"kpiAlgoTransparency","label":"Algorithmic transparency","value":"Opaque"},{"field":"kpiAiBiasFairness","label":"AI bias and fairness","value":"Absent"},{"field":"kpiIndependentAudit","label":"Independent audit","value":"Absent"},{"field":"kpiRegulatoryCompliance","label":"Regulatory compliance","value":"Comprehensive"}]},{"framework":{"id":"nist-ai-rmf","name":"NIST AI Risk Management Framework 1.0","shortName":"NIST AI RMF","referenceUrl":"https://www.nist.gov/itl/ai-risk-management-framework","referenceVersion":"AI RMF 1.0; NIST revision in progress, checked 2026-07-29","reviewQuestion":"Which recorded policy statements may support Govern, Map, Measure or Manage review questions?","kpiFields":["kpiAlgoTransparency","kpiAutomatedDecision","kpiAiBiasFairness","kpiContentModeration"]},"status":"mapped","assessedCount":3,"mappedFieldCount":4,"evidence":[{"field":"kpiAlgoTransparency","label":"Algorithmic transparency","value":"Opaque"},{"field":"kpiAutomatedDecision","label":"Automated decisions","value":"Opaque"},{"field":"kpiAiBiasFairness","label":"AI bias and fairness","value":"Absent"}]},{"framework":{"id":"oecd-ai-principles","name":"OECD AI Principles","shortName":"OECD AI Principles","referenceUrl":"https://oecd.ai/en/ai-principles","referenceVersion":"OECD AI Principles, updated 2024","reviewQuestion":"Which recorded policy statements may be relevant to transparency, fairness, accountability and user agency review?","kpiFields":["kpiConsentMechanism","kpiAlgoTransparency","kpiAiBiasFairness","kpiIndependentAudit"]},"status":"mapped","assessedCount":4,"mappedFieldCount":4,"evidence":[{"field":"kpiConsentMechanism","label":"Consent mechanism","value":"Implicit"},{"field":"kpiAlgoTransparency","label":"Algorithmic transparency","value":"Opaque"},{"field":"kpiAiBiasFairness","label":"AI bias and fairness","value":"Absent"},{"field":"kpiIndependentAudit","label":"Independent audit","value":"Absent"}]}]},"humanReviewQuestions":["Does the original US Business Customer Agreement source still match the recorded public snapshot version 2?","Do the cited source passages support each displayed reason, KPI value and regional note?","Which advisory framework topics require specialist legal, risk or governance review for this use case?","Has a later public change superseded this packet before it is reused in a decision or publication?"],"methodologyUrl":"https://policywatcher.online/methodology/confidence","changeUrl":"https://policywatcher.online/change/1ee56dc2-c83e-487d-b4fd-87941d259695","boundary":"This packet records PolicyWatcher evidence and AI-assisted screening for one public change. It is not legal advice, a compliance verdict, a certification, or proof that the external source remains unchanged.","contentDigest":"08bdce52c0042ef91a20b5819c9fd082b901d5af2082990381f95283bdec6625"}