PolicyWatcherPublic evidence laboratory

Public Evidence Packet

Wise - Terms of Use

Terms of Use

442bb5a6-3cea-423d-8b3d-8e3e888d996e
Screening date
30 Oct 2026, 15:43 UTC
Jurisdiction
Global
Risk screening
Medium · 6/10
Score trace
+2 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
30 Oct 2026, 15:43 UTC
Sanitized channel
direct
Data status
Available
Public snapshot evidence
Available

Public snapshot fingerprints

Previous · version 31dc7bf474cdba28eb54ecb2bd0c3b4b072dc65e288d4715b8348bbb0d00564b4Captured 01 Oct 2026, 19:53 UTC
Current · version 493c870db1908cfe39d9f9649c6b0e611ec182fca40e880e6ba479d99240da834Captured 30 Oct 2026, 15:43 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

The new 'Auto Top-Up' feature offers convenience but involves automatic debits and fees without re-authentication for each transaction.

  1. Reason 1+2 score contribution

    New auto top-up enables recurring debits without re-authentication.

    Related KPI
    Consent mechanism
    Source side
    new snapshot
    Verified exact source passage

    “That initial authentication authorises the Auto Top-Up arrangement, and we will not ask you to separately authenticate each later top-up made under it”

  2. Reason 2+1 score contribution

    Fees are charged for each automatic top-up, increasing potential costs.

    Related KPI
    No related KPI recorded
    Source side
    new snapshot
    Verified exact source passage

    “Each Auto Top-Up is subject to the same fees that would apply if you added money using the same Pay-In Method. The applicable fee will be charged each time an Auto Top-Up occurs”

  3. Reason 3+1 score contribution

    Wise disclaims liability for failed auto top-ups, shifting risk to user.

    Related KPI
    No related KPI recorded
    Source side
    new snapshot
    Verified exact source passage

    “We will not be responsible for any resulting consequences where an Auto Top-Up is not completed, but we will try to let you know so that you can add money another way.”

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?

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
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
Opaque
Automated decisions
Opaque
AI bias and fairness
Absent
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
Opt-Out
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-256d703f39be4ef3c94eefd079b8f853b713b283448a401d90031186763f512e5fc

Questions before reuse

  1. Does the original Terms of Use source still match the recorded public snapshot version 4?
  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?