# PolicyWatcher Evidence Collection

- Collection ID: `pwc_f2d6dba28961419d`
- Content digest: `f2d6dba28961419dee954197a8c95f593347478cc94d718bdbffedf8fa1d0db8`
- Evidence as of: 2026-11-07T19:44:21.067Z
- 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 - US Business Customer Agreement

- Change ID: `1ee56dc2-c83e-487d-b4fd-87941d259695`
- Screening date: 2026-11-07T19:44:21.067Z
- Jurisdiction: US
- Screening result: Medium · 6/10
- Evidence Packet digest: `08bdce52c0042ef91a20b5819c9fd082b901d5af2082990381f95283bdec6625`
- [Open Evidence Packet](https://policywatcher.online/evidence/1ee56dc2-c83e-487d-b4fd-87941d259695)
- [Open provider source](https://wise.com/us/legal/terms-of-use-business)

Wise updated its business agreement to clarify the "Basic Interest feature" and its legal terms, but key clauses like mandatory arbitration remain.

**Review questions**

- 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- Has a later public change superseded this packet before it is reused in a decision or publication?

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.