PolicyWatcherPublic evidence laboratory

Public Evidence Packet

Plaid - End User Services Agreement

End User Services Agreement

7f520876-dff7-41c0-8948-6b7a521c14f6
Screening date
06 Jul 2026, 22:09 UTC
Jurisdiction
US
Risk screening
High · 8/10
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
04 Nov 2026, 18:39 UTC
Sanitized channel
direct
Data status
Available
Public snapshot evidence
Available

Public snapshot fingerprints

Previous snapshot

Not available as public evidence for this change.

Current · version 12a9ca0b926c6909aabdf0ab62feab4aac8a4b0e0bb5d710d4fa70cad871f7e19Captured 06 Jul 2026, 22:09 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

This agreement limits Plaid's liability, grants them broad termination rights, and refers data use details to separate privacy policies.

  1. Reason 1-2 score contribution

    Plaid disclaims all warranties, providing the platform "AS IS" and "AS AVAILABLE."

    Related KPI
    No related KPI recorded
    Source side
    Not recorded
    Source passage not recorded

    This historical reason has no recorded source passage.

  2. Reason 2-3 score contribution

    Liability is capped at $100 or amount paid, severely limiting user recourse for damages.

    Related KPI
    No related KPI recorded
    Source side
    Not recorded
    Source passage not recorded

    This historical reason has no recorded source passage.

  3. Reason 3-3 score contribution

    Plaid can terminate your service without notice or reason, with no liability to you.

    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

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

Not assessed

Which recorded policy statements may inform an AI management-system review of transparency, risk oversight and independent assurance?

No assessed KPI value is available for this advisory mapping.

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

Not assessed

Which recorded policy statements may be relevant to transparency, fairness, accountability and user agency review?

No assessed KPI value is available for this advisory mapping.

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-256ccb013e5bb1a8bba1651571f4041fe3a17c39a3ec764f806b3f3a9c07828290f

Questions before reuse

  1. Does the original End User Services Agreement source still match the recorded public snapshot version 1?
  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?