PolicyWatcherPublic evidence laboratory

Public Evidence Packet

Plaid - Plaid Account Terms

Plaid Account Terms

1493b82f-7a69-43a5-b1c8-612560d39a1d
Screening date
13 Nov 2026, 23:39 UTC
Jurisdiction
US
Risk screening
Medium · 6/10
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
13 Nov 2026, 23:39 UTC
Sanitized channel
direct
Data status
Available
Public snapshot evidence
Available

Public snapshot fingerprints

Previous · version 1d3dca7615ff285c73ed819816e03a456ec68c39771b128027b86dcf178d758b7Captured 02 Oct 2026, 04:57 UTC
Current · version 291e9bc7b8860db14ed460ed1837ff75c312690fa2e6a7ed0a2bf7647af88eb4fCaptured 13 Nov 2026, 23:39 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

Plaid's Account Terms now offer a Spanish version, improving accessibility, but core data practices remain unchanged.

  1. Reason 1+1 score contribution

    Improved language accessibility for Spanish speakers.

    Related KPI
    Regulatory compliance
    Source side
    new snapshot
    Verified exact source passage

    “- Español - Términos de la Cuenta de Plaid”

  2. Reason 20 score contribution

    No changes to extensive data collection and sharing practices.

    Related KPI
    Data collection
    Source side
    Not recorded
    Source passage not recorded

    This historical reason has no recorded source passage.

  3. Reason 30 score contribution

    Biometric data collection clause remains, raising privacy concerns.

    Related KPI
    Data collection
    Source side
    new snapshot
    Verified exact source passage

    “data we receive from this verification process, including data that is potentially considered biometric data in your jurisdiction, may be stored in your Plaid Account”

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
Partial
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
Content moderation
Opaque
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-256bef6156b01b2bd85d22c0ee0738d86a78c07fd2b11546b040be2ba4a8d8dff60

Questions before reuse

  1. Does the original Plaid Account Terms 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?