{"schema":"https://policywatcher.online/schemas/evidence-collection/v1","schemaVersion":"1.0.0","asOf":"2026-10-01T19:54:08.649Z","selection":{"count":1,"limit":12,"companyCount":1,"jurisdictionCount":1,"changeIds":["71c0131c-38e2-4ac6-8a81-8adac2a16bc0"]},"records":[{"changeId":"71c0131c-38e2-4ac6-8a81-8adac2a16bc0","screeningDate":"2026-10-01T19:54:08.649Z","company":{"id":"fc0a9a77-eb4b-432a-8229-00185c53d30e","name":"Klarna","slug":"klarna","industry":"FinTech"},"policy":{"id":"0fed73f4-ac93-4699-9d66-dd65ab6780cc","name":"Privacy Notice","type":"privacy","jurisdiction":"EU","sourceUrl":"https://www.klarna.com/ie/privacy/"},"sourceConfidence":{"state":"verified-retrieval","lastCheckedAt":"2026-10-01T19:54:08.629Z","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":"134b8c6bfca5db2cb7d8c772a4315ffeae394bb4d9e289ae7487a80cbaa20b42","capturedAt":"2026-10-01T19:54:08.636Z"},"assessment":{"summary":"Klarna now collects more financial details like dependents and employment status, plus device call state, increasing overall data collection.","overallRisk":"High","overallScore":7,"scoreDelta":1,"direction":"higher","reasons":[{"icon":"warning","textEn":"New collection of sensitive financial data points.","textIt":"Nuova raccolta di punti dati finanziari sensibili.","deltaScore":2,"evidenceQuote":"Information about, for example, your income, the number of your dependents, any credits, negative payment history, previous credit approvals, and your employment status.","evidenceSide":"new","relatedKpi":"kpiDataCollection","anchorStatus":"verified"},{"icon":"warning","textEn":"Added collection of device 'call state' data.","textIt":"Aggiunta la raccolta dei dati sullo 'stato della chiamata' del dispositivo.","deltaScore":1,"evidenceQuote":"Device ID, IP address, Mobile ID (MAID), language settings, browser settings, time zone, operating system, platform, call state, screen resolution and similar information about your device and device settings/usage.","evidenceSide":"new","relatedKpi":"kpiDataCollection","anchorStatus":"verified"},{"icon":"info","textEn":"Overall expansion of personal data types collected.","textIt":"Espansione complessiva dei tipi di dati personali raccolti.","deltaScore":1,"evidenceQuote":null,"evidenceSide":null,"relatedKpi":"kpiDataCollection","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":"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/71c0131c-38e2-4ac6-8a81-8adac2a16bc0","evidence":"https://policywatcher.online/evidence/71c0131c-38e2-4ac6-8a81-8adac2a16bc0","json":"https://policywatcher.online/api/evidence-packet/71c0131c-38e2-4ac6-8a81-8adac2a16bc0?format=json","pdf":"https://policywatcher.online/api/evidence-packet/71c0131c-38e2-4ac6-8a81-8adac2a16bc0?format=pdf"},"evidencePacketDigest":"e0c816db8c3527fa21bbc5a374100ab3d0f9d423d73b6d9dcf9d2418f66b5462","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_f8712701fbbfe996","contentDigest":"f8712701fbbfe996b1d513ec21d48a66ba363719dabff7f4ceb2e19894ad8dce"}