{"schema":"https://policywatcher.online/schemas/evidence-packet/v1","schemaVersion":"1.1.0","mappingVersion":"2026-07-29.1","changeId":"b8a7a6fe-aaeb-4380-bbe1-7ea3b8bf3697","screeningDate":"2026-10-30T15:42:57.185Z","publicationGate":"published","company":{"id":"eaf6c865-63a3-4c4f-bd2b-00eb6d0071d5","name":"Wise","slug":"wise","industry":"FinTech"},"policy":{"id":"9801aa3b-73a6-4aa2-9d97-f24c7f2df4ef","name":"UK Personal Customer Agreement","type":"terms","jurisdiction":"UK","sourceUrl":"https://wise.com/gb/legal/terms-of-use-personal"},"sourceConfidence":{"state":"verified-retrieval","lastCheckedAt":"2026-10-30T15:42:57.172Z","retrievalChannel":"direct","dataStatus":"Available","publicSnapshotEvidence":true,"limitation":"Source confidence describes recorded retrieval and publication state. 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It does not prove provider execution, semantic completeness or legal correctness."},"captureLineage":{"old":{"provenance":"unknown","sourceUrl":null,"requestedUrl":null,"finalUrl":null,"capturedAt":"2026-10-02T04:58:07.499Z","urlDisclosure":"credentials-query-fragment-redacted"},"current":{"provenance":"captured","sourceUrl":"https://wise.com/gb/legal/terms-of-use-personal","requestedUrl":"https://wise.com/gb/legal/terms-of-use-personal","finalUrl":"https://wise.com/gb/legal/terms-of-use-personal","capturedAt":"2026-10-30T15:42:57.172Z","urlDisclosure":"credentials-query-fragment-redacted"}},"assessment":{"summary":"The new Auto Top-Up feature offers convenience but reduces granular control over recurring card payments and shifts liability for failed top-ups to the user.","overallRisk":"High","overallScore":8,"previousPublicChange":null,"scoreDelta":null,"direction":"baseline","reasons":[{"icon":"warning","textEn":"New Auto Top-Up feature adds complexity to account management.","textIt":"La nuova funzione di Ricarica Automatica aggiunge complessità alla gestione dell'account.","deltaScore":1,"evidenceQuote":"For certain currencies, you may be able to set up your Wise Account to add money automatically from a Pay-In Method when the conditions you choose are met, for example when the balance in your Main Account falls below an amount you select (","evidenceSide":"new","relatedKpi":"kpiAutomatedDecision","anchorStatus":"verified"},{"icon":"alert","textEn":"Recurring card payments need only initial authentication, reducing ongoing control.","textIt":"I pagamenti ricorrenti con carta richiedono solo l'autenticazione iniziale, riducendo il controllo continuo.","deltaScore":1,"evidenceQuote":"Where you fund an Auto Top-Up from a credit card or debit card, you will be asked to confirm and authenticate your instruction when you set it up. That initial authentication authorises the Auto Top-Up arrangement, and we will not ask you t","evidenceSide":"new","relatedKpi":"kpiConsentMechanism","anchorStatus":"verified"},{"icon":"warning","textEn":"Wise is not responsible for consequences of failed Auto Top-Ups.","textIt":"Wise non è responsabile per le conseguenze delle Ricariche Automatiche fallite.","deltaScore":1,"evidenceQuote":"Subject to section 29, we will not be responsible for any resulting consequences where an Auto Top-Up is not completed, but we will try to let you know so that you can add money another way.","evidenceSide":"new","relatedKpi":"kpiRegulatoryCompliance","anchorStatus":"verified"}],"keyPoints":[{"textEn":"An Auto Top-Up feature is added, allowing automatic funding of your Wise Account based on set conditions.","textIt":"È stata aggiunta la funzione Ricarica Automatica, che consente il finanziamento automatico del tuo conto Wise in base a condizioni predefinite.","sentiment":"neutral"},{"textEn":"Card-funded Auto Top-Ups require only initial authentication, reducing ongoing approval for recurring payments.","textIt":"Le Ricariche Automatiche finanziate con carta richiedono solo l'autenticazione iniziale, riducendo l'approvazione continua per i pagamenti ricorrenti.","sentiment":"negative"},{"textEn":"Wise explicitly states it is not responsible for consequences if an Auto Top-Up fails to complete.","textIt":"Wise dichiara esplicitamente di non essere responsabile per le conseguenze se una Ricarica Automatica non viene completata.","sentiment":"negative"},{"textEn":"Users must actively manage and monitor their Auto Top-Up settings and account balances.","textIt":"Gli utenti devono gestire e monitorare attivamente le impostazioni di Ricarica Automatica e i saldi del proprio conto.","sentiment":"neutral"}],"regionImpacts":[{"region":"EU","perspective":"Enterprise","riskLevel":"Low","impactAnalysisEn":"This policy update primarily affects individual customers and does not introduce direct new compliance burdens or operational changes for enterprises in the EU.","complianceNoteEn":null},{"region":"EU","perspective":"Individual","riskLevel":"High","impactAnalysisEn":"The new Auto Top-Up feature, particularly with reduced granular consent for recurring payments, raises concerns under GDPR's principles of explicit consent and data minimization. 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This change emphasizes user responsibility for monitoring and managing automated financial actions.","complianceNoteEn":null},{"region":"US","perspective":"Enterprise","riskLevel":"Low","impactAnalysisEn":"This policy update primarily affects individual customers and does not introduce direct new compliance burdens or operational changes for enterprises in the US.","complianceNoteEn":null},{"region":"US","perspective":"Individual","riskLevel":"Medium","impactAnalysisEn":"Recurring payment authorizations without individual approval for each transaction could be scrutinized under US consumer protection laws. Users should monitor their accounts closely and understand their rights regarding automatic debits.","complianceNoteEn":"EFTA, State Consumer Protection Laws"}],"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":"Partial"},{"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":"Partial"},{"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":"Opt-Out"},{"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 UK Personal 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/b8a7a6fe-aaeb-4380-bbe1-7ea3b8bf3697","boundary":"This packet records PolicyWatcher evidence and AI-assisted screening for one public change. 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