Public Evidence Packet
Wise - US Business Customer Agreement
US Business Customer Agreement
1ee56dc2-c83e-487d-b4fd-87941d259695- Screening date
- 07 Nov 2026, 19:44 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.
- 01Source evidence
- 02Explainability
- 03Governance Relevance
- 04Report Output
Dataset QA · sanitized public view
Source evidence
- Publication gate
- Published
- Retrieval state
- Recorded retrieval available
- Latest retrieval
- 07 Nov 2026, 19:44 UTC
- Sanitized channel
direct- Data status
- Available
- Public snapshot evidence
- Available
Public snapshot fingerprints
67506b17ce0fdb64640ed644d6a1caf76c675c556169d9586b653c08679c8ba9Captured 02 Oct 2026, 04:58 UTC88cc231055a5504c34b72ef4c48167e442db8dd73c4ab3cf0112b0f135922656Captured 07 Nov 2026, 19:44 UTCSource confidence describes recorded retrieval and publication state. It does not rate the provider policy or certify source authenticity.
Source-anchored screening trace
Explainability
Wise updated its business agreement to clarify the "Basic Interest feature" and its legal terms, but key clauses like mandatory arbitration remain.
- Reason 1-2 score contribution
Mandatory arbitration clause limits legal recourse for disputes.
- Related KPI
- Regulatory compliance
- Source side
- new snapshot
Verified exact source passage
“This Agreement contains a Dispute Resolution provision, at Section 28, which waives jury trials and class actions and allows either you or Wise to choose to have a dispute resolved in arbitration on an individual basis.”
- Reason 2-1 score contribution
Broad data sharing with third parties, including credit bureaus, is permitted.
- Related KPI
- Third-party sharing
- Source side
- Not recorded
Source passage not recordedThis historical reason has no recorded source passage.
- Reason 3+1 score contribution
Clarity on "Basic Interest feature" and dedicated legal terms improve transparency.
- Related KPI
- Regulatory compliance
- Source side
- new snapshot
Verified exact source passage
“Money held in Jars could earn interest if you opt into our Basic Interest feature. The funds may also carry pass-through FDIC insurance up to $250,000 through our partner Bank. Restrictions apply. Visit https://wise.com/us/legal/us-basic-in”
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?
- 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?
- Algorithmic transparency
- Opaque
- Automated decisions
- Opaque
- AI bias and fairness
- Absent
OECD AI Principles
OECD AI Principles, updated 2024
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
Mappings identify review relevance between recorded PolicyWatcher KPI fields and framework topics. They are not legal interpretations, conformity assessments, certifications or compliance verdicts.
Exact change-bound files
Report Output
Both files are generated from this exact change ID.
Download exact-change PDF Download exact-change JSON08bdce52c0042ef91a20b5819c9fd082b901d5af2082990381f95283bdec6625Questions before reuse
- Does the original US Business Customer Agreement 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?