{"schema":"https://policywatcher.online/schemas/evidence-collection/v1","schemaVersion":"1.0.0","asOf":"2026-11-05T18:41:42.673Z","selection":{"count":1,"limit":12,"companyCount":1,"jurisdictionCount":1,"changeIds":["23ea4dfb-622d-44fc-a2bc-d2f5f9fd4921"]},"records":[{"changeId":"23ea4dfb-622d-44fc-a2bc-d2f5f9fd4921","screeningDate":"2026-11-05T18:41:42.673Z","company":{"id":"c0caa75b-cc98-45c5-9b6b-198af2014025","name":"PayPal","slug":"paypal","industry":"FinTech"},"policy":{"id":"dc8f08a1-4c7e-4b31-a1cd-c3f8597c965a","name":"User Agreement","type":"terms","jurisdiction":"EU","sourceUrl":"https://www.paypal.com/lu/legalhub/paypal/useragreement-full"},"sourceConfidence":{"state":"verified-retrieval","lastCheckedAt":"2026-11-05T18:41:42.652Z","retrievalChannel":"direct","limitation":"Source confidence describes recorded retrieval and publication state. It does not rate the provider policy or certify source authenticity."},"currentSnapshot":{"version":10,"sha256":"4a657d52b892cf5ee07854c9c370530139178527c45a908ede0b265cb9c46276","capturedAt":"2026-11-05T18:41:42.652Z"},"assessment":{"summary":"The PayPal User Agreement received a minor date update; no significant changes were made to the policy content.","overallRisk":"Medium","overallScore":5,"scoreDelta":-2,"direction":"lower","reasons":[{"icon":"info","textEn":"No new data collection clauses were added, maintaining existing privacy terms.","textIt":"Nessuna nuova clausola di raccolta dati è stata aggiunta, mantenendo i termini di privacy esistenti.","deltaScore":0,"evidenceQuote":null,"evidenceSide":null,"relatedKpi":"kpiDataCollection","anchorStatus":"not-recorded"},{"icon":"info","textEn":"No changes to third-party sharing practices, keeping data sharing consistent.","textIt":"Nessuna modifica alle pratiche di condivisione con terze parti, mantenendo la condivisione dei dati coerente.","deltaScore":0,"evidenceQuote":null,"evidenceSide":null,"relatedKpi":"kpiThirdPartySharing","anchorStatus":"not-recorded"},{"icon":"info","textEn":"No new restrictions on user rights or liabilities were introduced.","textIt":"Nessuna nuova restrizione sui diritti o responsabilità degli utenti è stata introdotta.","deltaScore":0,"evidenceQuote":null,"evidenceSide":null,"relatedKpi":"kpiRightToDeletion","anchorStatus":"not-recorded"}],"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 User Agreement source still match the recorded public snapshot version 10?","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/23ea4dfb-622d-44fc-a2bc-d2f5f9fd4921","evidence":"https://policywatcher.online/evidence/23ea4dfb-622d-44fc-a2bc-d2f5f9fd4921","json":"https://policywatcher.online/api/evidence-packet/23ea4dfb-622d-44fc-a2bc-d2f5f9fd4921?format=json","pdf":"https://policywatcher.online/api/evidence-packet/23ea4dfb-622d-44fc-a2bc-d2f5f9fd4921?format=pdf"},"evidencePacketDigest":"81d5e73d08d57aec121f40ac09af94cfde12a7d2ef289729975850f1af5b715d","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_0c7714c909bb71b3","contentDigest":"0c7714c909bb71b33f0c19d7cdb1a3694816e0f0ed54e3670dc11a7c0c6366c7"}