# PolicyWatcher Evidence Collection

- Collection ID: `pwc_8a777df4006129b1`
- Content digest: `8a777df4006129b12f749e1d6788e539f813d6ea902e648eb203d5f6253f89b4`
- Evidence as of: 2026-10-21T10:40:15.372Z
- 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. Klarna - Klarna Balance Agreement

- Change ID: `4c6bd434-f4fd-41eb-b4b2-f4cf1be389e9`
- Screening date: 2026-10-21T10:40:15.372Z
- Jurisdiction: US
- Screening result: Medium · 6/10
- Evidence Packet digest: `378a0d6fa5fc8310e6216dffbfa249b4361cfafc6a26a3969c271a6f1be099b6`
- [Open Evidence Packet](https://policywatcher.online/evidence/4c6bd434-f4fd-41eb-b4b2-f4cf1be389e9)
- [Open provider source](https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/klarna-balance)

Klarna rebranded its 'Klarna balance' to 'Klarna Personal Cashback account' with no significant changes to user rights or obligations in this agreement.

**Review questions**

- 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- Has a later public change superseded this packet before it is reused in a decision or publication?

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.