{"schema":"https://policywatcher.online/schemas/evidence-packet/v1","schemaVersion":"1.1.0","mappingVersion":"2026-07-29.1","changeId":"3c438be0-52c0-4ae8-b3b8-cefc38b92df4","screeningDate":"2026-11-07T19:44:49.439Z","publicationGate":"published","company":{"id":"eaf6c865-63a3-4c4f-bd2b-00eb6d0071d5","name":"Wise","slug":"wise","industry":"FinTech"},"policy":{"id":"b12c369f-415a-42cf-b4b8-11d70e823cbf","name":"Terms of Use","type":"terms","jurisdiction":"Global","sourceUrl":"https://wise.com/us/legal/terms-of-use"},"sourceConfidence":{"state":"verified-retrieval","lastCheckedAt":"2026-11-07T19:44:49.423Z","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":4,"sha256":"93c870db1908cfe39d9f9649c6b0e611ec182fca40e880e6ba479d99240da834","capturedAt":"2026-10-30T15:43:26.478Z"},"current":{"version":5,"sha256":"dfd95090f467486b2fb1f0a9606355ae1b843d8fe67b960516d27bd5bcd6d1dd","capturedAt":"2026-11-07T19:44:49.423Z"}},"analysisLineage":{"status":"verified","requestSha256":"fb59e0a7916028d1cce54b66801638100615c410a5dfeb9c3cef453ecbeb8481","responseSha256":"083ac3869a44e67e246b80ffa6b14f4e926629ca3f900aea54ea83fd9e45206c","model":"gemini-2.5-flash","promptVersion":"policy-analysis.v3-full-document","schemaVersion":"policy-analysis.schema.v2","inputCoverage":"complete","semanticCoverage":"not_measured","documents":{"old":{"sha256":"93c870db1908cfe39d9f9649c6b0e611ec182fca40e880e6ba479d99240da834","charLength":127379,"byteLength":127728,"rangeUnit":"utf16-code-unit","includedRanges":[[0,127379]],"excludedRanges":[]},"new":{"sha256":"dfd95090f467486b2fb1f0a9606355ae1b843d8fe67b960516d27bd5bcd6d1dd","charLength":127443,"byteLength":127792,"rangeUnit":"utf16-code-unit","includedRanges":[[0,127443]],"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":"captured","sourceUrl":"https://wise.com/us/legal/terms-of-use","requestedUrl":"https://wise.com/us/legal/terms-of-use","finalUrl":"https://wise.com/us/legal/terms-of-use-personal","capturedAt":"2026-10-30T15:43:26.478Z","urlDisclosure":"credentials-query-fragment-redacted"},"current":{"provenance":"captured","sourceUrl":"https://wise.com/us/legal/terms-of-use","requestedUrl":"https://wise.com/us/legal/terms-of-use","finalUrl":"https://wise.com/us/legal/terms-of-use-personal","capturedAt":"2026-11-07T19:44:49.423Z","urlDisclosure":"credentials-query-fragment-redacted"}},"assessment":{"summary":"Wise updated its terms to clarify the \"Basic Interest feature\" name and provide a new URL for program details, with no major changes to user obligations.","overallRisk":"Low","overallScore":2,"previousPublicChange":{"id":"442bb5a6-3cea-423d-8b3d-8e3e888d996e","overallRisk":"Medium","overallScore":6,"screeningDate":"2026-10-30T15:43:26.494Z"},"scoreDelta":-4,"direction":"lower","reasons":[{"icon":"info","textEn":"Feature name clarified to \"Basic Interest feature\" for better understanding.","textIt":"Nome della funzionalità chiarito a \"funzionalità Interessi Base\" per una migliore comprensione.","deltaScore":0,"evidenceQuote":"The funds held on your Wise Account that are not opted-in to our Basic Interest feature may not earn any interest or return.","evidenceSide":"new","relatedKpi":"kpiRegulatoryCompliance","anchorStatus":"verified"},{"icon":"info","textEn":"Updated URL for Basic Interest program details provides direct access to information.","textIt":"L'URL aggiornato per i dettagli del programma Interessi Base fornisce accesso diretto alle informazioni.","deltaScore":0,"evidenceQuote":"Visit https://wise.com/us/legal/us-basic-interest-program-agreement for additional details.","evidenceSide":"new","relatedKpi":"kpiRegulatoryCompliance","anchorStatus":"verified"},{"icon":"info","textEn":"No material changes impacting user rights or data handling were introduced.","textIt":"Non sono state introdotte modifiche sostanziali che influiscano sui diritti dell'utente o sulla gestione dei dati.","deltaScore":0,"evidenceQuote":null,"evidenceSide":null,"relatedKpi":"kpiRegulatoryCompliance","anchorStatus":"not-recorded"}],"keyPoints":[{"textEn":"The \"interest feature\" is now officially called \"Basic Interest feature\" for clarity across the policy.","textIt":"La \"funzionalità interessi\" è ora ufficialmente \"funzionalità Interessi Base\" per maggiore chiarezza nella politica.","sentiment":"neutral"},{"textEn":"A new, specific URL is provided for detailed information on the Basic Interest program, enhancing transparency.","textIt":"Un nuovo URL specifico fornisce informazioni dettagliate sul programma Interessi Base, migliorando la trasparenza.","sentiment":"neutral"},{"textEn":"No substantial changes were made to user rights, responsibilities, or dispute resolution processes.","textIt":"Nessuna modifica sostanziale è stata apportata ai diritti, responsabilità o processi di risoluzione delle controversie dell'utente.","sentiment":"positive"}],"regionImpacts":[{"region":"EU","perspective":"Enterprise","riskLevel":"Low","impactAnalysisEn":"This policy is for personal use, so there is no direct impact on EU enterprises. General compliance with GDPR and the AI Act remains crucial for Wise's EU operations.","complianceNoteEn":null},{"region":"EU","perspective":"Individual","riskLevel":"Low","impactAnalysisEn":"The policy update is minor, focusing on a US-specific interest feature. There is no direct impact on EU individuals under GDPR or the AI Act.","complianceNoteEn":null},{"region":"Global","perspective":"Enterprise","riskLevel":"Low","impactAnalysisEn":"This policy is for personal use, thus no direct impact on global enterprises. Wise's global business terms would govern enterprise interactions and compliance.","complianceNoteEn":null},{"region":"Global","perspective":"Individual","riskLevel":"Low","impactAnalysisEn":"The changes are specific to a US interest feature, so the direct global impact on individuals is minimal. However, it reflects Wise's ongoing commitment to policy clarity.","complianceNoteEn":null},{"region":"US","perspective":"Enterprise","riskLevel":"Low","impactAnalysisEn":"This policy is for personal accounts, so there is no direct impact on US enterprises. Businesses should refer to Wise's separate business terms for their specific obligations.","complianceNoteEn":null},{"region":"US","perspective":"Individual","riskLevel":"Low","impactAnalysisEn":"The update clarifies the \"Basic Interest feature\" and provides a direct link to its terms, enhancing transparency for US users regarding FDIC insurance eligibility. This improves user understanding of a financial product.","complianceNoteEn":"CFPB, FDIC"}],"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":"not-assessed","assessedCount":0,"mappedFieldCount":4,"evidence":[]},{"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":2,"mappedFieldCount":4,"evidence":[{"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":"not-assessed","assessedCount":0,"mappedFieldCount":4,"evidence":[]},{"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":2,"mappedFieldCount":4,"evidence":[{"field":"kpiConsentMechanism","label":"Consent mechanism","value":"Explicit Opt-In"},{"field":"kpiIndependentAudit","label":"Independent audit","value":"Absent"}]}]},"humanReviewQuestions":["Does the original Terms of Use source still match the recorded public snapshot version 5?","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/3c438be0-52c0-4ae8-b3b8-cefc38b92df4","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":"ee469541d5cd5d2a771dc755df7fc97acea2abaaef5743ab5826adefd5c00271"}