# PolicyWatcher Evidence Collection

- Collection ID: `pwc_8f7877c4b36c0447`
- Content digest: `8f7877c4b36c0447a5133e3d398462b63f24dffbd7463e67250752d21364464b`
- Evidence as of: 2026-07-28T22:44:04.080Z
- Selected records: 1

> This collection groups selected public PolicyWatcher evidence records. It is not exhaustive market coverage, persistent team collaboration, legal advice, a compliance assessment or proof that an external source remains unchanged.

## Selected evidence

### 1. Wise - Terms of Use

- Change ID: `0ff77632-4d58-4b0a-8c4d-7c2e190eb5de`
- Screening date: 2026-07-28T22:44:04.080Z
- Jurisdiction: Global
- Screening result: Medium · 7/10
- Evidence Packet digest: `ddd0bfaea39c11de0b3f130e2df136ab0b6a4f9d0ae84e5995a1ade8f71f1541`
- [Open Evidence Packet](https://policywatcher.online/evidence/0ff77632-4d58-4b0a-8c4d-7c2e190eb5de)
- [Open provider source](https://wise.com/us/legal/terms-of-use)

The Wise Customer Agreement was updated to version 1.4, but the policy content remains unchanged from the previous version 1.3.

**Review questions**

- Does the original Terms of Use 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- Has a later public change superseded this packet before it is reused in a decision or publication?

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.

## Collection review checklist

- Confirm that each selected record is relevant to the intended review scope.
- Open the provider source and exact Evidence Packet before relying on a summary.
- Keep record-level limitations and advisory framework boundaries attached when reusing the bundle.
- Check whether a later public change supersedes any selected record.