{"schema":"https://policywatcher.online/schemas/evidence-collection/v1","schemaVersion":"1.0.0","asOf":"2026-07-06T22:08:45.291Z","selection":{"count":1,"limit":12,"companyCount":1,"jurisdictionCount":1,"changeIds":["725582fb-d698-4d30-aeb3-810d221ad7c9"]},"records":[{"changeId":"725582fb-d698-4d30-aeb3-810d221ad7c9","screeningDate":"2026-07-06T22:08:45.291Z","company":{"id":"51f8db0f-3aef-472e-91d7-da30b3ceec4d","name":"Plaid","slug":"plaid","industry":"FinTech"},"policy":{"id":"ef869aae-4fbc-4941-a2c4-ffe1edfe0524","name":"End User Services Agreement","type":"terms","jurisdiction":"EU","sourceUrl":"https://plaid.com/legal"},"sourceConfidence":{"state":"review-required","lastCheckedAt":"2026-07-06T09:39:08.879Z","retrievalChannel":"other","limitation":"Source confidence describes recorded retrieval and publication state. It does not rate the provider policy or certify source authenticity."},"currentSnapshot":{"version":1,"sha256":"e109c8a4674ca7b407c8e08764e28825d033b7c96b0ecc4575bb674078c4264d","capturedAt":"2026-07-06T22:08:45.286Z"},"assessment":{"summary":"Plaid accesses your financial account data with explicit consent, sharing it with third-party apps you use, and you can withdraw consent anytime.","overallRisk":"High","overallScore":7,"scoreDelta":null,"direction":"baseline","reasons":[{"icon":"warning","textEn":"Extensive financial data collection.","textIt":"Ampia raccolta di dati finanziari.","deltaScore":2,"evidenceQuote":null,"evidenceSide":null,"relatedKpi":null,"anchorStatus":"not-recorded"},{"icon":"alert","textEn":"Broad data sharing with third-party apps.","textIt":"Ampia condivisione dati con app di terze parti.","deltaScore":3,"evidenceQuote":null,"evidenceSide":null,"relatedKpi":null,"anchorStatus":"not-recorded"},{"icon":"warning","textEn":"Limited liability for third-party actions.","textIt":"Responsabilità limitata per azioni di terze parti.","deltaScore":2,"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":[],"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 End User Services Agreement source still match the recorded public snapshot version 1?","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/725582fb-d698-4d30-aeb3-810d221ad7c9","evidence":"https://policywatcher.online/evidence/725582fb-d698-4d30-aeb3-810d221ad7c9","json":"https://policywatcher.online/api/evidence-packet/725582fb-d698-4d30-aeb3-810d221ad7c9?format=json","pdf":"https://policywatcher.online/api/evidence-packet/725582fb-d698-4d30-aeb3-810d221ad7c9?format=pdf"},"evidencePacketDigest":"13d8057e744b928d6e2b930839ffc8e4107eeb21a833dc9ae038ac75cada29e1","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_c27be1446c09dd26","contentDigest":"c27be1446c09dd2685e3f5fcacdc0320b80d6f349d36a39629856d41dc893fa7"}