{"schema":"https://policywatcher.online/schemas/evidence-collection/v1","schemaVersion":"1.0.0","asOf":"2026-10-22T11:39:08.858Z","selection":{"count":1,"limit":12,"companyCount":1,"jurisdictionCount":1,"changeIds":["2aed4997-f8d9-4549-998b-a8da6e628f98"]},"records":[{"changeId":"2aed4997-f8d9-4549-998b-a8da6e628f98","screeningDate":"2026-10-22T11:39:08.858Z","company":{"id":"fc0a9a77-eb4b-432a-8229-00185c53d30e","name":"Klarna","slug":"klarna","industry":"FinTech"},"policy":{"id":"37469295-57a6-408e-bfdf-864534018810","name":"Membership Agreement","type":"terms","jurisdiction":"US","sourceUrl":"https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/klarna-membership-plan-v2"},"sourceConfidence":{"state":"verified-retrieval","lastCheckedAt":"2026-10-23T11:38:52.299Z","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":"aeec33a3b4415e8855d4ac0fe3684f864e1485df4f7d7d94904c8afcf8b961ae","capturedAt":"2026-10-22T11:39:08.841Z"},"assessment":{"summary":"Klarna's Membership Agreement update is minor, changing \"balance account\" to \"personal account\" without affecting user rights or obligations.","overallRisk":"High","overallScore":8,"scoreDelta":null,"direction":"baseline","reasons":[{"icon":"info","textEn":"Terminology updated from \"balance account\" to \"personal account\" in payment methods.","textIt":"Terminologia aggiornata da \"balance account\" a \"personal account\" nei metodi di pagamento.","deltaScore":0,"evidenceQuote":null,"evidenceSide":null,"relatedKpi":null,"anchorStatus":"not-recorded"},{"icon":"alert","textEn":"Mandatory arbitration and class action waiver remain, limiting user legal recourse.","textIt":"Arbitrato obbligatorio e rinuncia all'azione collettiva limitano il ricorso legale dell'utente.","deltaScore":0,"evidenceQuote":"THIS AGREEMENT INCLUDES AN ARBITRATION PROVISION. PLEASE READ THE ARBITRATION PROVISION CAREFULLY AS IT WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS, INCLUDING YOUR RIGHT TO A JURY TRIAL AND TO BRING OR PARTICIPATE IN A CLASS ACTION.","evidenceSide":"old","relatedKpi":"kpiRegulatoryCompliance","anchorStatus":"verified"},{"icon":"warning","textEn":"Broad consent for sharing personal information with partners remains.","textIt":"Ampio consenso alla condivisione di dati personali con i partner rimane.","deltaScore":0,"evidenceQuote":"You consent to WebBank and Klarna sharing your personal information with one another and with our partners in connection with your Membership and to use such information for any lawful purpose.","evidenceSide":"old","relatedKpi":"kpiThirdPartySharing","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 Membership 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/2aed4997-f8d9-4549-998b-a8da6e628f98","evidence":"https://policywatcher.online/evidence/2aed4997-f8d9-4549-998b-a8da6e628f98","json":"https://policywatcher.online/api/evidence-packet/2aed4997-f8d9-4549-998b-a8da6e628f98?format=json","pdf":"https://policywatcher.online/api/evidence-packet/2aed4997-f8d9-4549-998b-a8da6e628f98?format=pdf"},"evidencePacketDigest":"8f2cfb0e7056009c672c69407e2fce495c8d1b04534d4ad20b704680a2281637","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_f80889b978bbab66","contentDigest":"f80889b978bbab6680763de28f8a48d79d0b5d30d44e6e9e5961a26110ebd1e7"}