{"schema":"https://policywatcher.online/schemas/evidence-collection/v1","schemaVersion":"1.0.0","asOf":"2026-07-19T03:56:44.045Z","selection":{"count":1,"limit":12,"companyCount":1,"jurisdictionCount":1,"changeIds":["4c70bff8-3855-4820-99c0-60218f3c7375"]},"records":[{"changeId":"4c70bff8-3855-4820-99c0-60218f3c7375","screeningDate":"2026-07-19T03:56:44.045Z","company":{"id":"fc0a9a77-eb4b-432a-8229-00185c53d30e","name":"Klarna","slug":"klarna","industry":"FinTech"},"policy":{"id":"f0281764-cc55-4db9-b9ed-d6f6ab9811fb","name":"Terms of Service","type":"terms","jurisdiction":"EU","sourceUrl":"https://www.klarna.com/ie/terms-and-conditions/"},"sourceConfidence":{"state":"verified-retrieval","lastCheckedAt":"2026-08-21T19:01:56.111Z","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":"6b0d2099165847b49640a6f29bd6626a55a7b16eaaed7fa0fd4754083b60a3cf","capturedAt":"2026-07-19T03:56:44.042Z"},"assessment":{"summary":"Klarna's updated terms now explicitly include \"Your right of withdrawal,\" improving consumer clarity on cancellation rights without other major policy changes.","overallRisk":"Medium","overallScore":5,"scoreDelta":null,"direction":"baseline","reasons":[{"icon":"info","textEn":"Explicit mention of \"Right of withdrawal\" enhances consumer rights clarity.","textIt":"La menzione esplicita del \"Diritto di recesso\" migliora la chiarezza dei diritti del consumatore.","deltaScore":-1,"evidenceQuote":null,"evidenceSide":null,"relatedKpi":null,"anchorStatus":"not-recorded"},{"icon":"info","textEn":"No new data collection or sharing clauses were introduced in this update.","textIt":"Nessuna nuova clausola di raccolta o condivisione dati è stata introdotta in questo aggiornamento.","deltaScore":0,"evidenceQuote":null,"evidenceSide":null,"relatedKpi":null,"anchorStatus":"not-recorded"},{"icon":"info","textEn":"Cookie consent and tracking practices are unchanged from the prior policy.","textIt":"Le pratiche di consenso e tracciamento dei cookie sono invariate rispetto alla politica precedente.","deltaScore":0,"evidenceQuote":null,"evidenceSide":null,"relatedKpi":null,"anchorStatus":"not-recorded"}],"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":"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":"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 Service 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/4c70bff8-3855-4820-99c0-60218f3c7375","evidence":"https://policywatcher.online/evidence/4c70bff8-3855-4820-99c0-60218f3c7375","json":"https://policywatcher.online/api/evidence-packet/4c70bff8-3855-4820-99c0-60218f3c7375?format=json","pdf":"https://policywatcher.online/api/evidence-packet/4c70bff8-3855-4820-99c0-60218f3c7375?format=pdf"},"evidencePacketDigest":"3aa2323390467f4ce63cd24ee78aea20e627c17a5a728cad63fd3b5b548670b0","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_dceaa7dbcac62f8c","contentDigest":"dceaa7dbcac62f8c8cb3acd2623e5668a563aad37a56257cfcebb7cbe9096dc1"}