{"schema":"https://policywatcher.online/schemas/evidence-collection/v1","schemaVersion":"1.0.0","asOf":"2026-10-21T10:40:15.372Z","selection":{"count":1,"limit":12,"companyCount":1,"jurisdictionCount":1,"changeIds":["4c6bd434-f4fd-41eb-b4b2-f4cf1be389e9"]},"records":[{"changeId":"4c6bd434-f4fd-41eb-b4b2-f4cf1be389e9","screeningDate":"2026-10-21T10:40:15.372Z","company":{"id":"fc0a9a77-eb4b-432a-8229-00185c53d30e","name":"Klarna","slug":"klarna","industry":"FinTech"},"policy":{"id":"e687d4ad-423e-4073-a236-362ca0e2c121","name":"Klarna Balance Agreement","type":"terms","jurisdiction":"US","sourceUrl":"https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/klarna-balance"},"sourceConfidence":{"state":"verified-retrieval","lastCheckedAt":"2026-10-23T11:38:51.019Z","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":"c7f965caa2da39ae27c71f019322e8e266eea04cf716e1bab7f945b41a254eb5","capturedAt":"2026-10-21T10:40:15.364Z"},"assessment":{"summary":"Klarna rebranded its 'Klarna balance' to 'Klarna Personal Cashback account' with no significant changes to user rights or obligations in this agreement.","overallRisk":"Medium","overallScore":6,"scoreDelta":null,"direction":"baseline","reasons":[{"icon":"info","textEn":"Product name updated for clarity, no functional changes.","textIt":"Nome prodotto aggiornato per chiarezza, nessuna modifica funzionale.","deltaScore":0,"evidenceQuote":"This Klarna Personal Cashback account","evidenceSide":"new","relatedKpi":null,"anchorStatus":"verified"},{"icon":"warning","textEn":"Mandatory arbitration clause persists, limiting legal recourse.","textIt":"La clausola di arbitrato obbligatorio persiste, limitando il ricorso legale.","deltaScore":0,"evidenceQuote":"MANDATORY ARBITRATION OF DISPUTES (THE \"ARBITRATION PROVISION\") SECTION OF THE TERMS FOR KLARNA SHOPPING SERVICE TO WHICH YOU ARE ALREADY A PARTY.","evidenceSide":"old","relatedKpi":"kpiRegulatoryCompliance","anchorStatus":"verified"},{"icon":"info","textEn":"No changes to data processing terms; still refers to Privacy Policy.","textIt":"Nessuna modifica ai termini di trattamento dati; rimanda ancora alla Privacy Policy.","deltaScore":0,"evidenceQuote":"Klarna processes your personal data in order to carry out our obligations in this Agreement and for the additional purposes set out in our Privacy Policy.","evidenceSide":"old","relatedKpi":"kpiDataCollection","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 Klarna Balance 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/4c6bd434-f4fd-41eb-b4b2-f4cf1be389e9","evidence":"https://policywatcher.online/evidence/4c6bd434-f4fd-41eb-b4b2-f4cf1be389e9","json":"https://policywatcher.online/api/evidence-packet/4c6bd434-f4fd-41eb-b4b2-f4cf1be389e9?format=json","pdf":"https://policywatcher.online/api/evidence-packet/4c6bd434-f4fd-41eb-b4b2-f4cf1be389e9?format=pdf"},"evidencePacketDigest":"378a0d6fa5fc8310e6216dffbfa249b4361cfafc6a26a3969c271a6f1be099b6","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_8a777df4006129b1","contentDigest":"8a777df4006129b12f749e1d6788e539f813d6ea902e648eb203d5f6253f89b4"}