{"schema":"https://policywatcher.online/schemas/evidence-packet/v1","schemaVersion":"1.0.0","mappingVersion":"2026-07-29.1","changeId":"4c70bff8-3855-4820-99c0-60218f3c7375","screeningDate":"2026-07-19T03:56:44.045Z","publicationGate":"published","company":{"id":"fc0a9a77-eb4b-432a-8229-00185c53d30e","name":"Klarna","slug":"klarna","industry":"FinTech"},"policy":{"id":"f0281764-cc55-4db9-b9ed-d6f6ab9811fb","name":"Terms of Service","type":"terms","jurisdiction":"EU","sourceUrl":"https://www.klarna.com/ie/terms-and-conditions/"},"sourceConfidence":{"state":"verified-retrieval","lastCheckedAt":"2026-08-21T19:01:56.111Z","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":"f948572b1ab96b7a7d51f1a16a245e223c951e3e7b20d96bb3585b9f4a987a6f","capturedAt":"2026-07-06T09:44:55.734Z"},"current":{"version":2,"sha256":"6b0d2099165847b49640a6f29bd6626a55a7b16eaaed7fa0fd4754083b60a3cf","capturedAt":"2026-07-19T03:56:44.042Z"}},"assessment":{"summary":"Klarna's updated terms now explicitly include \"Your right of withdrawal,\" improving consumer clarity on cancellation rights without other major policy changes.","overallRisk":"Medium","overallScore":5,"previousPublicChange":null,"scoreDelta":null,"direction":"baseline","reasons":[{"icon":"info","textEn":"Explicit mention of \"Right of withdrawal\" enhances consumer rights clarity.","textIt":"La menzione esplicita del \"Diritto di recesso\" migliora la chiarezza dei diritti del consumatore.","deltaScore":-1,"evidenceQuote":null,"evidenceSide":null,"relatedKpi":null,"anchorStatus":"not-recorded"},{"icon":"info","textEn":"No new data collection or sharing clauses were introduced in this update.","textIt":"Nessuna nuova clausola di raccolta o condivisione dati è stata introdotta in questo aggiornamento.","deltaScore":0,"evidenceQuote":null,"evidenceSide":null,"relatedKpi":null,"anchorStatus":"not-recorded"},{"icon":"info","textEn":"Cookie consent and tracking practices are unchanged from the prior policy.","textIt":"Le pratiche di consenso e tracciamento dei cookie sono invariate rispetto alla politica precedente.","deltaScore":0,"evidenceQuote":null,"evidenceSide":null,"relatedKpi":null,"anchorStatus":"not-recorded"}],"keyPoints":[{"textEn":"New section clarifies \"Your right of withdrawal\" for users, enhancing consumer protection and transparency.","textIt":"Nuova sezione chiarisce \"Il tuo diritto di recesso\" per gli utenti, migliorando la protezione e la trasparenza del consumatore.","sentiment":"positive"},{"textEn":"No changes were made to data collection, sharing, or retention policies in this update.","textIt":"Nessuna modifica è stata apportata alle politiche di raccolta, condivisione o conservazione dei dati in questo aggiornamento.","sentiment":"neutral"},{"textEn":"The cookie policy and consent mechanisms remain unchanged from the previous version.","textIt":"La politica sui cookie e i meccanismi di consenso rimangono invariati rispetto alla versione precedente.","sentiment":"neutral"}],"regionImpacts":[{"region":"EU","perspective":"Enterprise","riskLevel":"Low","impactAnalysisEn":"For businesses, clarifying the right of withdrawal reduces potential disputes and improves compliance with EU consumer protection regulations. It signals a commitment to consumer-friendly practices.","complianceNoteEn":"EU Consumer Law"},{"region":"EU","perspective":"Individual","riskLevel":"Low","impactAnalysisEn":"The explicit mention of \"right of withdrawal\" aligns with EU consumer protection laws, like the Consumer Rights Directive. This enhances transparency for individuals regarding their ability to cancel contracts.","complianceNoteEn":"EU Consumer Rights"},{"region":"Global","perspective":"Enterprise","riskLevel":"Low","impactAnalysisEn":"Enterprises operating globally benefit from clear, consistent consumer rights policies. This update can enhance brand reputation and streamline international customer support.","complianceNoteEn":"Brand Reputation"},{"region":"Global","perspective":"Individual","riskLevel":"Low","impactAnalysisEn":"Globally, providing a clear right of withdrawal is a positive step for consumer trust and transparency. It empowers individuals with more control over their transactions.","complianceNoteEn":"Consumer Trust"},{"region":"US","perspective":"Enterprise","riskLevel":"Low","impactAnalysisEn":"For US businesses, this update can help manage customer expectations and potentially reduce customer service inquiries related to cancellations. It aligns with good business practices.","complianceNoteEn":"Customer Relations"},{"region":"US","perspective":"Individual","riskLevel":"Low","impactAnalysisEn":"While the US has varying state-level consumer protection laws, explicitly stating a right of withdrawal generally benefits users. It provides clearer expectations for cancellations.","complianceNoteEn":"Consumer Protection"}],"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":"Partial"}]},{"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":"Opt-Out"},{"field":"kpiIndependentAudit","label":"Independent audit","value":"Absent"}]}]},"humanReviewQuestions":["Does the original Terms of Service 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/4c70bff8-3855-4820-99c0-60218f3c7375","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":"3aa2323390467f4ce63cd24ee78aea20e627c17a5a728cad63fd3b5b548670b0"}