{"schema":"https://policywatcher.online/schemas/evidence-collection/v1","schemaVersion":"1.0.0","asOf":"2026-11-05T18:39:42.546Z","selection":{"count":1,"limit":12,"companyCount":1,"jurisdictionCount":1,"changeIds":["ddb0b72a-2ef2-40b6-914a-29c04fcf6a9c"]},"records":[{"changeId":"ddb0b72a-2ef2-40b6-914a-29c04fcf6a9c","screeningDate":"2026-11-05T18:39:42.546Z","company":{"id":"c0caa75b-cc98-45c5-9b6b-198af2014025","name":"PayPal","slug":"paypal","industry":"FinTech"},"policy":{"id":"b1c25854-aa4d-44bb-8c48-9009cf8a9d6a","name":"User Agreement","type":"terms","jurisdiction":"US","sourceUrl":"https://www.paypal.com/us/legalhub/paypal/useragreement-full"},"sourceConfidence":{"state":"verified-retrieval","lastCheckedAt":"2026-11-05T18:39:42.528Z","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":"13406b96a49e25da9601ac934d8367ae34f44b887e8c988aa647c2e04f83cb38","capturedAt":"2026-11-05T18:39:42.528Z"},"assessment":{"summary":"PayPal's updated User Agreement expands prohibited activities to include more types of false information, increasing user responsibility for data accuracy.","overallRisk":"Medium","overallScore":6,"scoreDelta":-2,"direction":"lower","reasons":[{"icon":"warning","textEn":"Expanded definition of \"misleading information\" increases user liability.","textIt":"La definizione estesa di \"informazioni fuorvianti\" aumenta la responsabilità dell'utente.","deltaScore":-2,"evidenceQuote":"Provide false, inaccurate or misleading information regarding your identity, account or business, goods or services offered or purchased, transaction details, or other information related to your use of our services;","evidenceSide":"new","relatedKpi":"kpiRegulatoryCompliance","anchorStatus":"verified"},{"icon":"warning","textEn":"Broader grounds for PayPal to impose account limitations or suspensions.","textIt":"Motivi più ampi per PayPal per imporre limitazioni o sospensioni dell'account.","deltaScore":-1,"evidenceQuote":"If we believe that you’ve engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion.","evidenceSide":"new","relatedKpi":"kpiAutomatedDecision","anchorStatus":"verified"},{"icon":"warning","textEn":"Users must be more diligent in providing accurate and complete information.","textIt":"Gli utenti devono essere più diligenti nel fornire informazioni accurate e complete.","deltaScore":-1,"evidenceQuote":"Provide false, inaccurate or misleading information regarding your identity, account or business, goods or services offered or purchased, transaction details, or other information related to your use of our services;","evidenceSide":"new","relatedKpi":"kpiDataCollection","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 User Agreement 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/ddb0b72a-2ef2-40b6-914a-29c04fcf6a9c","evidence":"https://policywatcher.online/evidence/ddb0b72a-2ef2-40b6-914a-29c04fcf6a9c","json":"https://policywatcher.online/api/evidence-packet/ddb0b72a-2ef2-40b6-914a-29c04fcf6a9c?format=json","pdf":"https://policywatcher.online/api/evidence-packet/ddb0b72a-2ef2-40b6-914a-29c04fcf6a9c?format=pdf"},"evidencePacketDigest":"c4d88ac7ed7e455bf0385e61250e7f656283c7a712eebc4216c76c392d6ecd3e","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_85bba3c7378de429","contentDigest":"85bba3c7378de429d9bfcab5a894599370978fb7260c48f1acdd47887e1166c3"}