{"schema":"https://policywatcher.online/schemas/evidence-collection/v1","schemaVersion":"1.0.0","asOf":"2026-08-02T11:30:57.027Z","selection":{"count":1,"limit":12,"companyCount":1,"jurisdictionCount":1,"changeIds":["decc553e-ece4-43de-8d6e-4f4fedbf3a9a"]},"records":[{"changeId":"decc553e-ece4-43de-8d6e-4f4fedbf3a9a","screeningDate":"2026-08-02T11:30:57.027Z","company":{"id":"c0caa75b-cc98-45c5-9b6b-198af2014025","name":"PayPal","slug":"paypal","industry":"FinTech"},"policy":{"id":"dc8f08a1-4c7e-4b31-a1cd-c3f8597c965a","name":"User Agreement","type":"terms","jurisdiction":"EU","sourceUrl":"https://www.paypal.com/lu/legalhub/paypal/useragreement-full"},"sourceConfidence":{"state":"review-required","lastCheckedAt":"2026-07-06T03:59:34.661Z","retrievalChannel":"seeded","limitation":"Source confidence describes recorded retrieval and publication state. It does not rate the provider policy or certify source authenticity."},"currentSnapshot":{"version":5,"sha256":"dcc651853121f39a69abe965fdc1aa7b74abee98a7ce2a4a039a11821a93bea1","capturedAt":"2026-08-02T11:30:57.018Z"},"assessment":{"summary":"No changes were found in the PayPal User Agreement, which continues to detail account terms, security, and consumer rights for Luxembourg residents.","overallRisk":"Medium","overallScore":5,"scoreDelta":0,"direction":"unchanged","reasons":[{"icon":"info","textEn":"No interest earned on electronic money balances due to legal restrictions.","textIt":"Nessun interesse maturato sui saldi di moneta elettronica a causa di restrizioni legali.","deltaScore":0,"evidenceQuote":"You will not receive interest or any other earnings on the money in your account. This is because the money in your account is electronic money and applicable laws forbid paying interest on electronic money (for example, Directive 2009/110/","evidenceSide":"old","relatedKpi":null,"anchorStatus":"verified"},{"icon":"warning","textEn":"Users are liable for actions of authorized third-party service providers.","textIt":"Gli utenti sono responsabili per le azioni dei fornitori di servizi terzi autorizzati.","deltaScore":0,"evidenceQuote":"You are liable to us for the actions that you authorise the third parties to carry out. You will not hold us responsible for, and you will indemnify us from, any liability arising from the actions or inactions of such third parties in conne","evidenceSide":"old","relatedKpi":"kpiThirdPartySharing","anchorStatus":"verified"},{"icon":"info","textEn":"Account information may be retained after closure for legal obligations.","textIt":"Le informazioni dell'account possono essere conservate dopo la chiusura per obblighi legali.","deltaScore":0,"evidenceQuote":null,"evidenceSide":null,"relatedKpi":"kpiDataRetention","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":"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 5?","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/decc553e-ece4-43de-8d6e-4f4fedbf3a9a","evidence":"https://policywatcher.online/evidence/decc553e-ece4-43de-8d6e-4f4fedbf3a9a","json":"https://policywatcher.online/api/evidence-packet/decc553e-ece4-43de-8d6e-4f4fedbf3a9a?format=json","pdf":"https://policywatcher.online/api/evidence-packet/decc553e-ece4-43de-8d6e-4f4fedbf3a9a?format=pdf"},"evidencePacketDigest":"a81aba1e91ccee7938c9277e099c085cf86325b0b4adb13d024bedc39a8453cd","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_0ac66708627c6953","contentDigest":"0ac66708627c6953328623a82309be7ae8eef3308a0ab92b2bce2c750604f671"}