# PolicyWatcher Evidence Collection

- Collection ID: `pwc_68e546364713348b`
- Content digest: `68e546364713348b03567ad653205c1f9756922e47ef97b3e242f66b124a0830`
- Evidence as of: 2026-11-07T19:44:49.439Z
- 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: `3c438be0-52c0-4ae8-b3b8-cefc38b92df4`
- Screening date: 2026-11-07T19:44:49.439Z
- Jurisdiction: Global
- Screening result: Low · 2/10
- Evidence Packet digest: `ee469541d5cd5d2a771dc755df7fc97acea2abaaef5743ab5826adefd5c00271`
- [Open Evidence Packet](https://policywatcher.online/evidence/3c438be0-52c0-4ae8-b3b8-cefc38b92df4)
- [Open provider source](https://wise.com/us/legal/terms-of-use)

Wise updated its terms to clarify the "Basic Interest feature" name and provide a new URL for program details, with no major changes to user obligations.

**Review questions**

- Does the original Terms of Use source still match the recorded public snapshot version 5?
- 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- Has a later public change superseded this packet before it is reused in a decision or publication?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.