{"schema":"https://policywatcher.online/schemas/evidence-collection/v1","schemaVersion":"1.0.0","asOf":"2026-10-30T15:42:57.185Z","selection":{"count":1,"limit":12,"companyCount":1,"jurisdictionCount":1,"changeIds":["b8a7a6fe-aaeb-4380-bbe1-7ea3b8bf3697"]},"records":[{"changeId":"b8a7a6fe-aaeb-4380-bbe1-7ea3b8bf3697","screeningDate":"2026-10-30T15:42:57.185Z","company":{"id":"eaf6c865-63a3-4c4f-bd2b-00eb6d0071d5","name":"Wise","slug":"wise","industry":"FinTech"},"policy":{"id":"9801aa3b-73a6-4aa2-9d97-f24c7f2df4ef","name":"UK Personal Customer Agreement","type":"terms","jurisdiction":"UK","sourceUrl":"https://wise.com/gb/legal/terms-of-use-personal"},"sourceConfidence":{"state":"verified-retrieval","lastCheckedAt":"2026-10-30T15:42:57.172Z","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":"82500df9399c4a661a5f50a9621695937d8b996b185bfa2a1c91a5af07f25a87","capturedAt":"2026-10-30T15:42:57.172Z"},"assessment":{"summary":"The new Auto Top-Up feature offers convenience but reduces granular control over recurring card payments and shifts liability for failed top-ups to the user.","overallRisk":"High","overallScore":8,"scoreDelta":null,"direction":"baseline","reasons":[{"icon":"warning","textEn":"New Auto Top-Up feature adds complexity to account management.","textIt":"La nuova funzione di Ricarica Automatica aggiunge complessità alla gestione dell'account.","deltaScore":1,"evidenceQuote":"For certain currencies, you may be able to set up your Wise Account to add money automatically from a Pay-In Method when the conditions you choose are met, for example when the balance in your Main Account falls below an amount you select (","evidenceSide":"new","relatedKpi":"kpiAutomatedDecision","anchorStatus":"verified"},{"icon":"alert","textEn":"Recurring card payments need only initial authentication, reducing ongoing control.","textIt":"I pagamenti ricorrenti con carta richiedono solo l'autenticazione iniziale, riducendo il controllo continuo.","deltaScore":1,"evidenceQuote":"Where you fund an Auto Top-Up from a credit card or debit card, you will be asked to confirm and authenticate your instruction when you set it up. That initial authentication authorises the Auto Top-Up arrangement, and we will not ask you t","evidenceSide":"new","relatedKpi":"kpiConsentMechanism","anchorStatus":"verified"},{"icon":"warning","textEn":"Wise is not responsible for consequences of failed Auto Top-Ups.","textIt":"Wise non è responsabile per le conseguenze delle Ricariche Automatiche fallite.","deltaScore":1,"evidenceQuote":"Subject to section 29, we will not be responsible for any resulting consequences where an Auto Top-Up is not completed, but we will try to let you know so that you can add money another way.","evidenceSide":"new","relatedKpi":"kpiRegulatoryCompliance","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 UK Personal Customer Agreement 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/b8a7a6fe-aaeb-4380-bbe1-7ea3b8bf3697","evidence":"https://policywatcher.online/evidence/b8a7a6fe-aaeb-4380-bbe1-7ea3b8bf3697","json":"https://policywatcher.online/api/evidence-packet/b8a7a6fe-aaeb-4380-bbe1-7ea3b8bf3697?format=json","pdf":"https://policywatcher.online/api/evidence-packet/b8a7a6fe-aaeb-4380-bbe1-7ea3b8bf3697?format=pdf"},"evidencePacketDigest":"28796bc17c6796c65c228b0851e93108b514d648139fea4af633889d4f56f8e1","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_daa88e0abea9fe7f","contentDigest":"daa88e0abea9fe7f20c769fa953dfea807972906254f77cd83b60401d9f376b9"}