{"schema":"https://policywatcher.online/schemas/evidence-collection/v1","schemaVersion":"1.0.0","asOf":"2026-10-30T15:43:26.494Z","selection":{"count":1,"limit":12,"companyCount":1,"jurisdictionCount":1,"changeIds":["442bb5a6-3cea-423d-8b3d-8e3e888d996e"]},"records":[{"changeId":"442bb5a6-3cea-423d-8b3d-8e3e888d996e","screeningDate":"2026-10-30T15:43:26.494Z","company":{"id":"eaf6c865-63a3-4c4f-bd2b-00eb6d0071d5","name":"Wise","slug":"wise","industry":"FinTech"},"policy":{"id":"b12c369f-415a-42cf-b4b8-11d70e823cbf","name":"Terms of Use","type":"terms","jurisdiction":"Global","sourceUrl":"https://wise.com/us/legal/terms-of-use"},"sourceConfidence":{"state":"verified-retrieval","lastCheckedAt":"2026-10-30T15:43:26.478Z","retrievalChannel":"direct","limitation":"Source confidence describes recorded retrieval and publication state. It does not rate the provider policy or certify source authenticity."},"currentSnapshot":{"version":4,"sha256":"93c870db1908cfe39d9f9649c6b0e611ec182fca40e880e6ba479d99240da834","capturedAt":"2026-10-30T15:43:26.478Z"},"assessment":{"summary":"The new 'Auto Top-Up' feature offers convenience but involves automatic debits and fees without re-authentication for each transaction.","overallRisk":"Medium","overallScore":6,"scoreDelta":2,"direction":"higher","reasons":[{"icon":"warning","textEn":"New auto top-up enables recurring debits without re-authentication.","textIt":"La nuova ricarica automatica abilita addebiti ricorrenti senza ri-autenticazione.","deltaScore":2,"evidenceQuote":"That initial authentication authorises the Auto Top-Up arrangement, and we will not ask you to separately authenticate each later top-up made under it","evidenceSide":"new","relatedKpi":"kpiConsentMechanism","anchorStatus":"verified"},{"icon":"warning","textEn":"Fees are charged for each automatic top-up, increasing potential costs.","textIt":"Le commissioni sono addebitate per ogni ricarica automatica, aumentando i costi potenziali.","deltaScore":1,"evidenceQuote":"Each Auto Top-Up is subject to the same fees that would apply if you added money using the same Pay-In Method. The applicable fee will be charged each time an Auto Top-Up occurs","evidenceSide":"new","relatedKpi":null,"anchorStatus":"verified"},{"icon":"info","textEn":"Wise disclaims liability for failed auto top-ups, shifting risk to user.","textIt":"Wise declina la responsabilità per le ricariche automatiche fallite, spostando il rischio sull'utente.","deltaScore":1,"evidenceQuote":"We will not be responsible for any resulting consequences where an Auto Top-Up is not completed, but we will try to let you know so that you can add money another way.","evidenceSide":"new","relatedKpi":null,"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 Terms of Use source still match the recorded public snapshot version 4?","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/442bb5a6-3cea-423d-8b3d-8e3e888d996e","evidence":"https://policywatcher.online/evidence/442bb5a6-3cea-423d-8b3d-8e3e888d996e","json":"https://policywatcher.online/api/evidence-packet/442bb5a6-3cea-423d-8b3d-8e3e888d996e?format=json","pdf":"https://policywatcher.online/api/evidence-packet/442bb5a6-3cea-423d-8b3d-8e3e888d996e?format=pdf"},"evidencePacketDigest":"d703f39be4ef3c94eefd079b8f853b713b283448a401d90031186763f512e5fc","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_afade48bdb11a543","contentDigest":"afade48bdb11a543ff32042647ab0680d968fbbe9b0adb63bf129a0cb43a9139"}