PolicyWatcherPublic evidence laboratory

Public Evidence Packet

Wise - Privacy Policy

Privacy Policy

2e62256f-eb3a-45c5-95ba-e7b297822af5
Screening date
19 Jul 2026, 03:55 UTC
Jurisdiction
Global
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
05 Nov 2026, 18:41 UTC
Sanitized channel
direct
Data status
Available
Public snapshot evidence
Available

Public snapshot fingerprints

Previous · version 141c09d5a016a2dc6609f19874fa889100503b4b01491458f99fab25637657eb1Captured 06 Jul 2026, 07:20 UTC
Current · version 224c8d27f01acbce767c162ffbe4ae8a7b84223110b9383a7dc9c2b7723d84475Captured 19 Jul 2026, 03:55 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

Wise's updated policy increases data sharing for fraud prevention and slightly reduces its explicit commitment to AI transparency, impacting user privacy.

  1. Reason 1+1 score contribution

    New clause for collecting fraud risk data from financial partners.

    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

    Weakened commitment to 'always' inform users about direct AI interaction.

    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+0.5 score contribution

    Renaming of 'Behavioural biometrics' to 'User interactions' without changing data type.

    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
Mentioned
Automated decisions
Partial
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
Mentioned
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
Mentioned
Automated decisions
Partial
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
Explicit Opt-In
Algorithmic transparency
Mentioned
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-256e2d7ee30191ae526bcaddcf037455c3a7ef37a07d97ac034a8efd5c5f3cc7afe

Questions before reuse

  1. Does the original Privacy Policy 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?