PolicyWatcherPublic evidence laboratory

Public Evidence Packet

Wise - Terms of Use

Terms of Use

3c438be0-52c0-4ae8-b3b8-cefc38b92df4
Screening date
07 Nov 2026, 19:44 UTC
Jurisdiction
Global
Risk screening
Low · 2/10
Score trace
-4 points from previous 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
07 Nov 2026, 19:44 UTC
Sanitized channel
direct
Data status
Available
Public snapshot evidence
Available

Public snapshot fingerprints

Previous · version 493c870db1908cfe39d9f9649c6b0e611ec182fca40e880e6ba479d99240da834Captured 30 Oct 2026, 15:43 UTC
Current · version 5dfd95090f467486b2fb1f0a9606355ae1b843d8fe67b960516d27bd5bcd6d1ddCaptured 07 Nov 2026, 19:44 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

Wise updated its terms to clarify the "Basic Interest feature" name and provide a new URL for program details, with no major changes to user obligations.

  1. Reason 10 score contribution

    Feature name clarified to "Basic Interest feature" for better understanding.

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

    “The funds held on your Wise Account that are not opted-in to our Basic Interest feature may not earn any interest or return.”

  2. Reason 20 score contribution

    Updated URL for Basic Interest program details provides direct access to information.

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

    “Visit https://wise.com/us/legal/us-basic-interest-program-agreement for additional details.”

  3. Reason 30 score contribution

    No material changes impacting user rights or data handling were introduced.

    Related KPI
    Regulatory compliance
    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

Not assessed

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

No assessed KPI value is available for this advisory mapping.

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?

Independent audit
Absent
Regulatory compliance
Comprehensive
Framework source

NIST AI RMF

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

Not assessed

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

No assessed KPI value is available for this advisory mapping.

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
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-256ee469541d5cd5d2a771dc755df7fc97acea2abaaef5743ab5826adefd5c00271

Questions before reuse

  1. Does the original Terms of Use source still match the recorded public snapshot version 5?
  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?