{"schema":"https://policywatcher.online/schemas/evidence-collection/v1","schemaVersion":"1.0.0","asOf":"2026-10-21T10:40:51.337Z","selection":{"count":1,"limit":12,"companyCount":1,"jurisdictionCount":1,"changeIds":["9a82fb33-2c23-4d10-94dc-fc07121bcd9f"]},"records":[{"changeId":"9a82fb33-2c23-4d10-94dc-fc07121bcd9f","screeningDate":"2026-10-21T10:40:51.337Z","company":{"id":"fc0a9a77-eb4b-432a-8229-00185c53d30e","name":"Klarna","slug":"klarna","industry":"FinTech"},"policy":{"id":"f4168900-e4f5-4f91-b69d-9127a145335c","name":"Terms of Service","type":"terms","jurisdiction":"US","sourceUrl":"https://www.klarna.com/us/terms-of-use/"},"sourceConfidence":{"state":"verified-retrieval","lastCheckedAt":"2026-10-23T11:39:01.381Z","retrievalChannel":"direct","limitation":"Source confidence describes recorded retrieval and publication state. It does not rate the provider policy or certify source authenticity."},"currentSnapshot":{"version":3,"sha256":"a35d83d22e87a8e7570db5f8d9f7e81d0ede08993bb5876ec679d2060ea07312","capturedAt":"2026-10-21T10:40:51.325Z"},"assessment":{"summary":"Klarna's Terms of Service update is minor, changing 'Balance account' to 'Personal account' with no impact on user rights or data practices.","overallRisk":"Medium","overallScore":6,"scoreDelta":null,"direction":"baseline","reasons":[{"icon":"alert","textEn":"Mandatory arbitration waives user rights to jury trials and class actions.","textIt":"L'arbitrato obbligatorio rinuncia ai diritti degli utenti a giurie e azioni collettive.","deltaScore":-2,"evidenceQuote":"YOU WAIVE YOUR RIGHT TO A JURY TRIAL AND YOUR RIGHT TO BRING OR RESOLVE ANY DISPUTE AS OR TO PARTICIPATE IN A CLASS, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, REPRESENTATIVE, OR COLLECTIVE ACTION IN COURT OR IN ARBITRATION","evidenceSide":"old","relatedKpi":"kpiRegulatoryCompliance","anchorStatus":"verified"},{"icon":"warning","textEn":"Extensive collection of personal and financial data for various services and personalization.","textIt":"Ampia raccolta di dati personali e finanziari per servizi e personalizzazione.","deltaScore":-2,"evidenceQuote":"Financial Insights, allowing you to import transactions from your external bank accounts. We then use this information to provide an overview of monthly budget, income and spending, visualization of balances (e.g. the savings or purchases),","evidenceSide":"old","relatedKpi":"kpiDataCollection","anchorStatus":"verified"},{"icon":"warning","textEn":"AI assistant retains user inferences indefinitely, raising privacy concerns.","textIt":"L'assistente AI conserva le inferenze utente a tempo indeterminato, sollevando preoccupazioni sulla privacy.","deltaScore":-2,"evidenceQuote":"These inferences are retained in your memory profile for as long as you use the Service.","evidenceSide":"old","relatedKpi":"kpiDataRetention","anchorStatus":"verified"}],"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 Terms of Service source still match the recorded public snapshot version 3?","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/9a82fb33-2c23-4d10-94dc-fc07121bcd9f","evidence":"https://policywatcher.online/evidence/9a82fb33-2c23-4d10-94dc-fc07121bcd9f","json":"https://policywatcher.online/api/evidence-packet/9a82fb33-2c23-4d10-94dc-fc07121bcd9f?format=json","pdf":"https://policywatcher.online/api/evidence-packet/9a82fb33-2c23-4d10-94dc-fc07121bcd9f?format=pdf"},"evidencePacketDigest":"62e92015a12ac5acf00afc3226eee14737b0e1df28a3caa89c953a1ee9fee39d","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_52db215118cc43e2","contentDigest":"52db215118cc43e2404262aa8206b8259e452e914cf1e2fabedd0a24a9723b37"}