PolicyWatcher 4.0.0 Beta 3
Select up to 12 exact public changes, record a local review state, and export one deterministic evidence bundle.
Evidence register
Terms of Service
The updated Klarna Terms of Service include a minor clarification on cashback eligibility, but core data collection and AI personalization practices remain unchanged.
f3a9bab1-4c7c-4808-9c69-2da6963c3a5bPrivacy Notice
Klarna's Privacy Notice update clarifies that it collects data from external bank accounts, improving transparency without adding new data types.
3da8fec6-fc2d-4e26-8901-ca7e27ab6572Terms of Service
New X terms introduce mandatory Texas arbitration and class action waivers for non-EU/UK users, and expand user responsibility for AI-generated content.
3c6dfbb5-a0fa-4edb-81b0-62bb9203baa0Privacy Statement
The policy update explicitly broadens device and usage data collection to include website and app interactions, maintaining existing concerns about AI training and data retention.
0a9d773d-4417-4498-833b-e9ae88d6433cPrivacy Policy
No changes were detected between the old and new versions of Revolut's Privacy Policy, which will become effective on March 17, 2026.
3f664da1-706b-446a-8c0a-1902a7a06274Privacy Statement
The updated Microsoft Privacy Statement expands data collection for device usage and reduces transparency on marketing data use, raising privacy concerns.
322d5b66-a58e-485c-a367-487528a80f44Privacy Statement
Microsoft's updated policy clarifies device data collection, but still allows extensive data use, including biometrics and AI training, without explicit opt-out.
be2f44f8-2b14-4c73-bfa4-15d44d157c04Terms of Service
The updated Meta Terms remove specific rules for automated data collection, potentially increasing Meta's discretion over how data is accessed.
fa92863a-4ba8-4ef9-9500-72fb44bb63c0Privacy Statement
The PayPal Privacy Statement is unchanged, detailing extensive data collection, AI training, and broad sharing, with some user opt-out options.
b163d841-2b1c-4d03-8b6e-3d80a7d4cb27Privacy Statement
No changes were detected in the PayPal Privacy Statement, meaning data practices, AI use, and sharing policies remain consistent with the previous version.
b8cd3366-f02b-4bb6-9211-2c5b3269a404User Agreement
No changes were found in the PayPal User Agreement; the policy continues to govern payment services for EEA residents with standard terms.
36648bad-1292-4f57-8b69-47df3f84c652Privacy Statement
The PayPal Privacy Statement has not changed; it still outlines extensive data collection, AI use for training and automated decisions, and broad data sharing.
b31dce3e-ce3e-49d8-8009-5e1d6297bbd4Privacy Statement
No changes were found in the PayPal Privacy Statement, which details extensive data collection, AI training, and broad sharing, with some user controls.
51f2b3f2-6628-48c3-b4d1-be840ce4a0a6Services Agreement
This policy update introduces no changes; existing terms grant Microsoft broad content usage rights and mention autonomous AI decisions without transparency.
fd6c3793-7c01-4dce-b514-a17a504e53efUser Agreement
No changes were found between the old and new versions of PayPal's User Agreement, maintaining existing terms for Luxembourg residents.
f14dc990-fe46-4292-9702-48471a26ad97Privacy Statement
No changes were detected in PayPal's Privacy Statement, maintaining existing extensive data collection, sharing, and AI training practices.
07af8187-6856-489f-9d19-4058d9120405Privacy Statement
This PayPal Privacy Statement outlines extensive data collection and sharing practices, including sensitive and biometric data, with a focus on service provision and fraud prevention.
488db3ea-38f7-4aac-9bc8-cc765f73ae86User Agreement
No changes were found in the PayPal User Agreement, which continues to detail account terms, security, and consumer rights for Luxembourg residents.
decc553e-ece4-43de-8d6e-4f4fedbf3a9aPrivacy Statement
No changes were found in PayPal's Privacy Statement; it continues to outline extensive data collection, AI training, and broad third-party sharing.
2b3c911a-ff82-4eb2-93cd-d97cc9c642a0Privacy Statement
This policy details PayPal's extensive data collection, broad sharing, and use of AI for training and automated decisions, with no changes from the previous version.
b2e39954-84c1-4843-a490-278f2f4807a0User Agreement
No changes were found between the old and new versions of the PayPal User Agreement; the policy remains consistent.
a5804b9f-61b2-43cc-9cba-67391d428238Privacy Statement
The PayPal Privacy Statement remains unchanged, detailing extensive data collection, broad sharing, and AI use for training and automated decisions.
586c3d9a-1d5d-43dd-bb5e-ca0ef15995eaPrivacy Statement
PayPal collects extensive personal and sensitive data, uses it for AI training and automated decisions, and shares it broadly with third parties.
6d94c250-62ab-4f8b-88b6-03573281433fPrivacy Statement
Microsoft's updated policy now allows sharing user age group information with third-party apps, increasing data sharing scope and privacy concerns.
a551ca11-952d-4a8a-b79a-0c1df7462093Privacy Statement
Microsoft's updated privacy policy now explicitly allows sharing your age group information with third-party apps, increasing data exposure for age-appropriate experiences.
9d711828-e470-4300-8423-ae4201c57786Privacy Statement
The updated policy now explicitly allows sharing your age group information with third-party apps, increasing data sharing and potential privacy risks.
494ffd08-1c2e-43ae-b332-5d4b316fbaa2Terms of Use
The Wise Customer Agreement was updated to version 1.4, but the policy content remains unchanged from the previous version 1.3.
0ff77632-4d58-4b0a-8c4d-7c2e190eb5deTerms of Service
Meta's updated terms tighten rules on automated data collection, requiring compliance with new specific terms and allowing Meta to revoke access anytime.
6851aafc-7813-4bf9-aef3-794dc09cba9fPrivacy Policy
Meta's policy update makes it clearer that your interactions and messages with their AI features are collected and used to improve their AI.
3498c155-1644-4939-8c9b-2460a75b5778Privacy Policy
Meta's updated policy clarifies AI feature interactions and capabilities, including AI performing actions, while also committing to safeguards for AI development.
7db948e3-a96e-4118-85d0-41c51c80796fPrivacy Statement
Zoom now explicitly states it will not share mobile opt-in data from text campaigns with third parties, enhancing user privacy for mobile communications.
66fcf7ee-a113-43fa-bd57-4cb533e1fe0cTerms of Use
You own your AI output and can opt-out of training, but corporate email use risks employer access and you must verify AI accuracy.
4e8ed932-090d-4a02-8304-22144bfdbff5Privacy Policy
The policy update adds new table of contents sections, hinting at future clarity on data transfers and definitions, but core data practices remain consistent.
ecc39763-b2f3-40c2-ac76-9f0844adb261Privacy Policy
Google's Privacy Policy remains largely unchanged in content, with new table of contents entries suggesting future clarity on data transfers and partners.
2f0b054a-9ea4-45fc-bed4-8a5dda769cafPrivacy Policy
Google's policy update improves structure and hints at clearer data transfer rules, but extensive data collection practices persist.
f863326f-229b-4494-8b13-239f8fcd72a4AI Terms of Service
The Generative AI Additional Terms of Service remain unchanged, maintaining existing restrictions on AI model development and content disclaimers.
7107f09e-0e1a-43cd-9af9-3a088d026d87Terms of Service
Klarna's updated terms now explicitly include "Your right of withdrawal," improving consumer clarity on cancellation rights without other major policy changes.
4c70bff8-3855-4820-99c0-60218f3c7375Privacy Policy
Wise's updated policy increases data sharing for fraud prevention and slightly reduces its explicit commitment to AI transparency, impacting user privacy.
2e62256f-eb3a-45c5-95ba-e7b297822af5Privacy Policy
Wise's updated policy clarifies biometric data consent, adds fraud data from partners, and slightly softens AI interaction transparency.
17e72515-975d-43e8-b71f-7891b529f17cPrivacy Policy
X collects extensive personal data, including biometrics, and uses it for AI training, with an opt-out for some third-party sharing, posing high privacy risks.
13282507-aa4e-4157-b3bf-9ecb3c05a06dTerms of Service
Meta now offers an ad-free subscription, enhancing user choice, while also explicitly reserving rights against text and data mining.
2371bf5b-b904-4e0b-8505-4f537e426a41Privacy Policy
Meta's policy update expands AI use and legal transparency, but lacks clear user controls for AI training and content ownership, raising privacy concerns.
686214a4-1396-4f81-bdd0-63a523dcf90aPrivacy Notice
Klarna collects extensive personal and financial data for services, fraud prevention, and marketing, offering some privacy controls and data deletion rights with legal retention limits.
21006935-a215-47d4-bd6d-dd03b775323dPrivacy Notice
No changes were detected in Klarna's Privacy Notice, maintaining existing data collection, security practices, and user rights for financial services.
e5b60963-4f7d-4396-97b2-b0a1f263fc80User Agreement
This PayPal User Agreement outlines terms for Luxembourg residents, detailing account types, payment services, and user responsibilities, with standard financial service clauses.
ab33f12c-223c-4045-89ac-0ea091eb21c3Privacy Statement
PayPal collects extensive personal and sensitive data, including for AI training and automated decisions, sharing it broadly, but lacks clear AI opt-out and data retention specifics.
c401c830-2b20-475a-908c-8c4d762bda1ePrivacy Statement
PayPal collects extensive personal and sensitive data, including biometrics, for services, fraud, and AI training, sharing it broadly with third parties.
ff3b694b-c127-40a7-ad9a-147c054b1221Privacy Policy
Meta's new policy broadens AI data use and sharing with third parties, increasing privacy risks despite improved legal transparency for EU users.
7d60dfa9-f444-46e9-972a-e1679643fa6eUser Agreement
No changes were found in this PayPal User Agreement update; it continues to detail service terms, account management, and regulatory compliance for Luxembourg users.
472a92ae-24a8-4d9c-a47b-66f043669f57Privacy Statement
PayPal collects extensive personal and sensitive data, including biometrics, for services, fraud, and AI training, sharing it broadly with many third parties.
121a92db-3af8-48da-8b5e-fa953a94d08bIntegration boundary