Public Evidence Packet
Wise
Terms of Use
0ff77632-4d58-4b0a-8c4d-7c2e190eb5de- Screening date
- 28 Jul 2026, 22:44 UTC
- Jurisdiction
- Global
- Risk screening
- Medium · 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.
- 01Source Confidence
- 02Explainability
- 03Governance Relevance
- 04Report Output
Dataset QA · sanitized public view
Source Confidence
- Publication gate
- Published
- Retrieval state
- Review required
- Latest retrieval
- 06 Jul 2026, 03:59 UTC
- Sanitized channel
seeded- Data status
- Available
- Public snapshot evidence
- Available
Public snapshot fingerprints
7abddea5f231a11d7aba895b620107cff4ca9dfe1e95529038585e8e0cb9c1b7Captured 06 Jul 2026, 07:21 UTCf82ed7b015214f0190e8a5364a9faf3e3cd2f086cf65014624d4761cb5f3dbfbCaptured 28 Jul 2026, 22:44 UTCSource confidence describes recorded retrieval and publication state. It does not rate the provider policy or certify source authenticity.
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.
- 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 recordedThis historical reason has no recorded source passage.
- 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 recordedThis historical reason has no recorded source passage.
- 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 recordedThis 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.
Advisory review map
Governance Relevance
EU AI Act
Official Journal text, 2024
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
ISO/IEC 42001
ISO/IEC 42001:2023 overview
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
NIST AI RMF
AI RMF 1.0; NIST revision in progress, checked 2026-07-29
Which recorded policy statements may support Govern, Map, Measure or Manage review questions?
Exact change-bound files
Report Output
Both files are generated from this exact change ID.
Download exact-change PDF Download exact-change JSONddd0bfaea39c11de0b3f130e2df136ab0b6a4f9d0ae84e5995a1ade8f71f1541Questions before reuse
- Does the original Terms of Use 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?