{"schema":"https://policywatcher.online/schemas/evidence-packet/v1","schemaVersion":"1.0.0","mappingVersion":"2026-07-29.1","changeId":"83267f34-6e62-47d2-a79e-e19dc4479cc5","screeningDate":"2026-10-01T19:53:32.658Z","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":"2026-10-01T19:53:32.645Z","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":2,"sha256":"f82ed7b015214f0190e8a5364a9faf3e3cd2f086cf65014624d4761cb5f3dbfb","capturedAt":"2026-07-28T22:44:04.071Z"},"current":{"version":3,"sha256":"1dc7bf474cdba28eb54ecb2bd0c3b4b072dc65e288d4715b8348bbb0d00564b4","capturedAt":"2026-10-01T19:53:32.650Z"}},"assessment":{"summary":"The updated Wise Terms of Use clarify prohibited actions, improving transparency without introducing major new restrictions or changes to data practices.","overallRisk":"Medium","overallScore":4,"previousPublicChange":{"id":"0ff77632-4d58-4b0a-8c4d-7c2e190eb5de","overallRisk":"High","overallScore":7,"screeningDate":"2026-07-28T22:44:04.080Z"},"scoreDelta":-3,"direction":"lower","reasons":[{"icon":"info","textEn":"Policy now fully details actions that circumvent terms, enhancing user understanding.","textIt":"La politica ora dettaglia completamente le azioni che aggirano i termini, migliorando la comprensione dell'utente.","deltaScore":1,"evidenceQuote":"Circumventing this Agreement or any Additional Document or Wise policy or determinations about your Wise Account such as temporary or indefinite suspensions or other account holds, limitations or restrictions, including, but not limited to,","evidenceSide":"new","relatedKpi":"kpiRegulatoryCompliance","anchorStatus":"verified"},{"icon":"warning","textEn":"Extensive personal data collection for identity verification and transaction processing.","textIt":"Ampia raccolta di dati personali per la verifica dell'identità e l'elaborazione delle transazioni.","deltaScore":-1,"evidenceQuote":"We are required by law to conduct certain security and customer due diligence checks on you to provide any Services to you and allow you to have and maintain a Wise Account. Sometimes, we might also need to perform checks on other parties i","evidenceSide":"new","relatedKpi":"kpiDataCollection","anchorStatus":"verified"},{"icon":"warning","textEn":"Data sharing with third parties for service operation, verification, and legal compliance.","textIt":"Condivisione dei dati con terze parti per operazioni di servizio, verifica e conformità legale.","deltaScore":-1,"evidenceQuote":"We will disclose information to third parties about your account or the transfers you make: (i) where it is necessary for completing transfers, or (ii) in order to verify the existence and condition of your account for a third party, such a","evidenceSide":"new","relatedKpi":"kpiThirdPartySharing","anchorStatus":"verified"}],"keyPoints":[{"textEn":"The policy now explicitly lists actions considered as 'circumventing the agreement,' enhancing clarity for users.","textIt":"La politica elenca ora esplicitamente le azioni considerate 'aggirare l'accordo', migliorando la chiarezza per gli utenti.","sentiment":"positive"},{"textEn":"Wise continues to collect extensive personal and transactional data for regulatory compliance and service provision.","textIt":"Wise continua a raccogliere ampi dati personali e transazionali per conformità normativa e fornitura di servizi.","sentiment":"neutral"},{"textEn":"User data is shared with third parties for necessary operations, verification, and legal obligations.","textIt":"I dati dell'utente sono condivisi con terze parti per operazioni necessarie, verifica e obblighi legali.","sentiment":"neutral"},{"textEn":"Users retain the right to opt out of arbitration within 21 days of account opening.","textIt":"Gli utenti mantengono il diritto di rinunciare all'arbitrato entro 21 giorni dall'apertura del conto.","sentiment":"positive"}],"regionImpacts":[{"region":"EU","perspective":"Enterprise","riskLevel":"Medium","impactAnalysisEn":"For enterprises using Wise services, ensuring their own data handling aligns with GDPR when interacting with Wise is crucial. The policy's clarity on misuse helps manage operational risks.","complianceNoteEn":"GDPR, DORA (indirect)"},{"region":"EU","perspective":"Individual","riskLevel":"Medium","impactAnalysisEn":"The policy's data collection and sharing practices must comply with GDPR principles, especially regarding transparency and user rights. The clarification of prohibited actions is a neutral update for EU users.","complianceNoteEn":"GDPR Compliance"},{"region":"Global","perspective":"Enterprise","riskLevel":"Medium","impactAnalysisEn":"For global enterprises, the policy's consistent application across different Wise entities is important for operational consistency. The clear rules on misuse help in managing compliance risks globally.","complianceNoteEn":"International Regulations"},{"region":"Global","perspective":"Individual","riskLevel":"Medium","impactAnalysisEn":"Global users benefit from the clarified terms, reducing ambiguity regarding prohibited activities. Data transfer practices across borders are controlled, which is important for international users.","complianceNoteEn":"Global Data Privacy"},{"region":"US","perspective":"Enterprise","riskLevel":"Medium","impactAnalysisEn":"Businesses integrating with Wise must ensure their operations align with US financial regulations and consumer protection laws. The clarified terms on misuse help define acceptable partner behavior.","complianceNoteEn":"FinCEN, State MTLs"},{"region":"US","perspective":"Individual","riskLevel":"Medium","impactAnalysisEn":"The policy explicitly mentions the USA PATRIOT ACT for KYC, highlighting regulatory compliance. Users retain the right to opt out of arbitration, a key consumer protection in the US.","complianceNoteEn":"USA PATRIOT ACT, CCPA/CPRA"}],"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":4,"mappedFieldCount":4,"evidence":[{"field":"kpiAiTrainingOptOut","label":"AI training opt-out","value":"Not Available"},{"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 Terms of Use source still match the recorded public snapshot version 3?","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/83267f34-6e62-47d2-a79e-e19dc4479cc5","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":"97058f49858313d5687d6805f77f4883da919944ea47a2dce6d49658c394ae65"}