{"schema":"https://policywatcher.online/schemas/evidence-collection/v1","schemaVersion":"1.0.0","asOf":"2026-11-07T19:44:21.067Z","selection":{"count":1,"limit":12,"companyCount":1,"jurisdictionCount":1,"changeIds":["1ee56dc2-c83e-487d-b4fd-87941d259695"]},"records":[{"changeId":"1ee56dc2-c83e-487d-b4fd-87941d259695","screeningDate":"2026-11-07T19:44:21.067Z","company":{"id":"eaf6c865-63a3-4c4f-bd2b-00eb6d0071d5","name":"Wise","slug":"wise","industry":"FinTech"},"policy":{"id":"4f9049fc-627c-4f18-8b1d-c781b287d13d","name":"US Business Customer Agreement","type":"terms","jurisdiction":"US","sourceUrl":"https://wise.com/us/legal/terms-of-use-business"},"sourceConfidence":{"state":"verified-retrieval","lastCheckedAt":"2026-11-07T19:44:21.046Z","retrievalChannel":"direct","limitation":"Source confidence describes recorded retrieval and publication state. It does not rate the provider policy or certify source authenticity."},"currentSnapshot":{"version":2,"sha256":"88cc231055a5504c34b72ef4c48167e442db8dd73c4ab3cf0112b0f135922656","capturedAt":"2026-11-07T19:44:21.046Z"},"assessment":{"summary":"Wise updated its business agreement to clarify the \"Basic Interest feature\" and its legal terms, but key clauses like mandatory arbitration remain.","overallRisk":"Medium","overallScore":6,"scoreDelta":null,"direction":"baseline","reasons":[{"icon":"alert","textEn":"Mandatory arbitration clause limits legal recourse for disputes.","textIt":"La clausola di arbitrato obbligatorio limita il ricorso legale per le controversie.","deltaScore":-2,"evidenceQuote":"This Agreement contains a Dispute Resolution provision, at Section 28, which waives jury trials and class actions and allows either you or Wise to choose to have a dispute resolved in arbitration on an individual basis.","evidenceSide":"new","relatedKpi":"kpiRegulatoryCompliance","anchorStatus":"verified"},{"icon":"warning","textEn":"Broad data sharing with third parties, including credit bureaus, is permitted.","textIt":"Ampia condivisione dei dati con terze parti, inclusi i credit bureau, è consentita.","deltaScore":-1,"evidenceQuote":null,"evidenceSide":null,"relatedKpi":"kpiThirdPartySharing","anchorStatus":"not-recorded"},{"icon":"info","textEn":"Clarity on \"Basic Interest feature\" and dedicated legal terms improve transparency.","textIt":"La chiarezza sulla \"funzione di interesse di base\" e i termini legali dedicati migliorano la trasparenza.","deltaScore":1,"evidenceQuote":"Money held in Jars could earn interest if you opt into our Basic Interest feature. The funds may also carry pass-through FDIC insurance up to $250,000 through our partner Bank. Restrictions apply. Visit https://wise.com/us/legal/us-basic-in","evidenceSide":"new","relatedKpi":"kpiRegulatoryCompliance","anchorStatus":"verified"}],"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":{"mappedFrameworks":[{"id":"eu-ai-act","name":"EU AI Act","referenceVersion":"Official Journal text, 2024","referenceUrl":"https://eur-lex.europa.eu/eli/reg/2024/1689/oj","reviewQuestion":"Which recorded policy statements may be relevant to transparency, automated decisions, data use and human oversight review?"},{"id":"iso-42001","name":"ISO/IEC 42001","referenceVersion":"ISO/IEC 42001:2023 overview","referenceUrl":"https://www.iso.org/standard/42001","reviewQuestion":"Which recorded policy statements may inform an AI management-system review of transparency, risk oversight and independent assurance?"},{"id":"nist-ai-rmf","name":"NIST AI RMF","referenceVersion":"AI RMF 1.0; NIST revision in progress, checked 2026-07-29","referenceUrl":"https://www.nist.gov/itl/ai-risk-management-framework","reviewQuestion":"Which recorded policy statements may support Govern, Map, Measure or Manage review questions?"},{"id":"oecd-ai-principles","name":"OECD AI Principles","referenceVersion":"OECD AI Principles, updated 2024","referenceUrl":"https://oecd.ai/en/ai-principles","reviewQuestion":"Which recorded policy statements may be relevant to transparency, fairness, accountability and user agency review?"}],"boundary":"Mappings identify review relevance between recorded PolicyWatcher KPI fields and framework topics. They are not legal interpretations, conformity assessments, certifications or compliance verdicts."},"reviewQuestions":["Does the original US Business 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?"],"links":{"change":"https://policywatcher.online/change/1ee56dc2-c83e-487d-b4fd-87941d259695","evidence":"https://policywatcher.online/evidence/1ee56dc2-c83e-487d-b4fd-87941d259695","json":"https://policywatcher.online/api/evidence-packet/1ee56dc2-c83e-487d-b4fd-87941d259695?format=json","pdf":"https://policywatcher.online/api/evidence-packet/1ee56dc2-c83e-487d-b4fd-87941d259695?format=pdf"},"evidencePacketDigest":"08bdce52c0042ef91a20b5819c9fd082b901d5af2082990381f95283bdec6625","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."}],"reviewChecklist":["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."],"boundary":"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.","collectionId":"pwc_f2d6dba28961419d","contentDigest":"f2d6dba28961419dee954197a8c95f593347478cc94d718bdbffedf8fa1d0db8"}