{"schema":"https://policywatcher.online/schemas/evidence-collection/v1","schemaVersion":"1.0.0","asOf":"2026-11-05T18:39:05.904Z","selection":{"count":1,"limit":12,"companyCount":1,"jurisdictionCount":1,"changeIds":["7f57cc5f-f61d-456d-81e8-3f0c281620ca"]},"records":[{"changeId":"7f57cc5f-f61d-456d-81e8-3f0c281620ca","screeningDate":"2026-11-05T18:39:05.904Z","company":{"id":"c0caa75b-cc98-45c5-9b6b-198af2014025","name":"PayPal","slug":"paypal","industry":"FinTech"},"policy":{"id":"ffcb0efc-2a6f-473d-8296-e939fccb4aef","name":"Acceptable Use Policy","type":"aup","jurisdiction":"US","sourceUrl":"https://www.paypal.com/us/legalhub/paypal/acceptableuse-full"},"sourceConfidence":{"state":"verified-retrieval","lastCheckedAt":"2026-11-05T18:39:05.897Z","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":"d8787e9d7a60f2f2688e499303f862f0cd5f0aa4135c18d439b270c00e9de594","capturedAt":"2026-11-05T18:39:05.897Z"},"assessment":{"summary":"PayPal's updated policy significantly broadens its ban on discriminatory activities, now explicitly prohibiting engagement in or celebration of hate.","overallRisk":"High","overallScore":7,"scoreDelta":null,"direction":"baseline","reasons":[{"icon":"alert","textEn":"New clause broadens prohibited discriminatory activities.","textIt":"Nuova clausola amplia le attività discriminatorie proibite.","deltaScore":1,"evidenceQuote":"(f) the engagement in, or the encouragement, promotion, or celebration of, violence or discriminatory activity based on race, religion, disability, gender, sexual orientation, national origin, or any characteristic protected under applicabl","evidenceSide":"new","relatedKpi":"kpiContentModeration","anchorStatus":"verified"},{"icon":"warning","textEn":"Expanded scope of actions now prohibited (engagement, celebration).","textIt":"Ambito ampliato delle azioni ora proibite (coinvolgimento, celebrazione).","deltaScore":1,"evidenceQuote":"(f) the engagement in, or the encouragement, promotion, or celebration of, violence or discriminatory activity based on race, religion, disability, gender, sexual orientation, national origin, or any characteristic protected under applicabl","evidenceSide":"new","relatedKpi":"kpiContentModeration","anchorStatus":"verified"},{"icon":"info","textEn":"Extensive list of activities requiring pre-approval for businesses.","textIt":"Ampio elenco di attività che richiedono pre-approvazione per le aziende.","deltaScore":0,"evidenceQuote":null,"evidenceSide":null,"relatedKpi":"kpiRegulatoryCompliance","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":"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?"}],"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 Acceptable Use Policy 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/7f57cc5f-f61d-456d-81e8-3f0c281620ca","evidence":"https://policywatcher.online/evidence/7f57cc5f-f61d-456d-81e8-3f0c281620ca","json":"https://policywatcher.online/api/evidence-packet/7f57cc5f-f61d-456d-81e8-3f0c281620ca?format=json","pdf":"https://policywatcher.online/api/evidence-packet/7f57cc5f-f61d-456d-81e8-3f0c281620ca?format=pdf"},"evidencePacketDigest":"fdb17b7d39f7193049dadb364649b364d9968c87eaa66a77fc002ee1e40bad2c","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_53762e667753b43f","contentDigest":"53762e667753b43ff0a349ade8aef3b0bc8cb551684e3d9b9098fa8758bb1368"}