PolicyWatcherPublic evidence laboratory

Public Evidence Packet

Wise - Terms of Use

Terms of Use

0ff77632-4d58-4b0a-8c4d-7c2e190eb5de
Screening date
28 Jul 2026, 22:44 UTC
Jurisdiction
Global
Risk screening
High · 7/10
Score trace
Baseline; no earlier public change

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.

  1. 01Source evidence
  2. 02Explainability
  3. 03Governance Relevance
  4. 04Report Output
01

Dataset QA · sanitized public view

Source evidence

Publication gate
Published
Retrieval state
Recorded retrieval available
Latest retrieval
05 Nov 2026, 18:41 UTC
Sanitized channel
direct
Data status
Available
Public snapshot evidence
Available

Public snapshot fingerprints

Previous · version 17abddea5f231a11d7aba895b620107cff4ca9dfe1e95529038585e8e0cb9c1b7Captured 06 Jul 2026, 07:21 UTC
Current · version 2f82ed7b015214f0190e8a5364a9faf3e3cd2f086cf65014624d4761cb5f3dbfbCaptured 28 Jul 2026, 22:44 UTC

Source confidence describes recorded retrieval and publication state. It does not rate the provider policy or certify source authenticity.

02

Source-anchored screening trace

Explainability

The Wise Customer Agreement was updated to version 1.4, but the policy content remains unchanged from the previous version 1.3.

  1. Reason 1+2 score contribution

    Mandatory arbitration clause waives jury trials and class actions.

    Related KPI
    No related KPI recorded
    Source side
    Not recorded
    Source passage not recorded

    This historical reason has no recorded source passage.

  2. Reason 2+1 score contribution

    Broad data disclosure to third parties, including credit bureaus and government.

    Related KPI
    No related KPI recorded
    Source side
    Not recorded
    Source passage not recorded

    This historical reason has no recorded source passage.

  3. Reason 3+1 score contribution

    Company retains significant rights to suspend or limit user accounts.

    Related KPI
    No related KPI recorded
    Source side
    Not recorded
    Source passage not recorded

    This historical reason has no recorded source passage.

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.

03

Advisory review map

Governance Relevance

EU AI Act

Official Journal text, 2024

Mapped evidence

Which recorded policy statements may be relevant to transparency, automated decisions, data use and human oversight review?

AI training opt-out
Not Available
Algorithmic transparency
Opaque
Automated decisions
Opaque
AI bias and fairness
Absent
Framework source

ISO/IEC 42001

ISO/IEC 42001:2023 overview

Mapped evidence

Which recorded policy statements may inform an AI management-system review of transparency, risk oversight and independent assurance?

Algorithmic transparency
Opaque
AI bias and fairness
Absent
Independent audit
Absent
Regulatory compliance
Comprehensive
Framework source

NIST AI RMF

AI RMF 1.0; NIST revision in progress, checked 2026-07-29

Mapped evidence

Which recorded policy statements may support Govern, Map, Measure or Manage review questions?

Algorithmic transparency
Opaque
Automated decisions
Opaque
AI bias and fairness
Absent
Framework source

OECD AI Principles

OECD AI Principles, updated 2024

Mapped evidence

Which recorded policy statements may be relevant to transparency, fairness, accountability and user agency review?

Consent mechanism
Implicit
Algorithmic transparency
Opaque
AI bias and fairness
Absent
Independent audit
Absent
Framework source

Mappings identify review relevance between recorded PolicyWatcher KPI fields and framework topics. They are not legal interpretations, conformity assessments, certifications or compliance verdicts.

04

Exact change-bound files

Report Output

Both files are generated from this exact change ID.

Download exact-change PDF Download exact-change JSON
Packet content digest · SHA-256f361e23024e645051f59dfa8d35395f534f494b537c2f96f0f181251b076dfe3

Questions before reuse

  1. Does the original Terms of Use source still match the recorded public snapshot version 2?
  2. Do the cited source passages support each displayed reason, KPI value and regional note?
  3. Which advisory framework topics require specialist legal, risk or governance review for this use case?
  4. Has a later public change superseded this packet before it is reused in a decision or publication?