{"schema":"https://policywatcher.online/schemas/evidence-collection/v1","schemaVersion":"1.0.0","asOf":"2026-10-01T19:54:31.822Z","selection":{"count":1,"limit":12,"companyCount":1,"jurisdictionCount":1,"changeIds":["46e33448-2d8e-4346-86d9-2a11d0c85145"]},"records":[{"changeId":"46e33448-2d8e-4346-86d9-2a11d0c85145","screeningDate":"2026-10-01T19:54:31.822Z","company":{"id":"fc0a9a77-eb4b-432a-8229-00185c53d30e","name":"Klarna","slug":"klarna","industry":"FinTech"},"policy":{"id":"6b03f215-97db-4a24-b92a-22ef3e11fea5","name":"Privacy Notice","type":"privacy","jurisdiction":"US","sourceUrl":"https://www.klarna.com/us/privacy/"},"sourceConfidence":{"state":"verified-retrieval","lastCheckedAt":"2026-10-01T19:54:31.812Z","retrievalChannel":"direct","limitation":"Source confidence describes recorded retrieval and publication state. It does not rate the provider policy or certify source authenticity."},"currentSnapshot":{"version":5,"sha256":"23a8f8ff13afd975658f2fbef695ce533e382807168d79a08e63ce04cc33b737","capturedAt":"2026-10-01T19:54:31.816Z"},"assessment":{"summary":"Klarna's updated policy expands data sharing and removes a key privacy assurance for Travel eSIM internet browsing data, increasing user risk.","overallRisk":"High","overallScore":8,"scoreDelta":2,"direction":"higher","reasons":[{"icon":"alert","textEn":"Removed explicit assurance on Travel eSIM internet browsing data access.","textIt":"Rimossa la garanzia esplicita sull'accesso ai dati di navigazione internet Travel eSIM.","deltaScore":3,"evidenceQuote":"Neither Klarna (including all Klarna group companies), nor Gigs Wireless LLC has access to the content of your internet browsing data.","evidenceSide":"old","relatedKpi":"kpiDataCollection","anchorStatus":"verified"},{"icon":"warning","textEn":"New sharing of phone numbers with third-party linking providers for Open Banking.","textIt":"Nuova condivisione di numeri di telefono con fornitori di link di terze parti per Open Banking.","deltaScore":2,"evidenceQuote":"When you connect a bank account, we may share your phone number with our third-party linking provider(s) to check your eligibility for faster linking options and, if eligible, complete the connection.","evidenceSide":"new","relatedKpi":"kpiThirdPartySharing","anchorStatus":"verified"},{"icon":"warning","textEn":"New sharing with digital wallet and payment platform providers.","textIt":"Nuova condivisione con fornitori di portafogli digitali e piattaforme di pagamento.","deltaScore":1,"evidenceQuote":"Digital wallet and payment platform providers, to enable card features (such as displaying your account balance and available credit on your device) when you add your Klarna card to a digital wallet.","evidenceSide":"new","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 Privacy Notice 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?"],"links":{"change":"https://policywatcher.online/change/46e33448-2d8e-4346-86d9-2a11d0c85145","evidence":"https://policywatcher.online/evidence/46e33448-2d8e-4346-86d9-2a11d0c85145","json":"https://policywatcher.online/api/evidence-packet/46e33448-2d8e-4346-86d9-2a11d0c85145?format=json","pdf":"https://policywatcher.online/api/evidence-packet/46e33448-2d8e-4346-86d9-2a11d0c85145?format=pdf"},"evidencePacketDigest":"375f6feefdfe247920a0bc3a268c7ac77c4d0c27b32faaaa634b3cc69d73dc85","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_df3aaa6f57ab3617","contentDigest":"df3aaa6f57ab3617bef8cd3f16c82756e503de8fc5c4a1de0d22a5551660a695"}