Public Evidence Packet
Wise - Terms of Use
Terms of Use
83267f34-6e62-47d2-a79e-e19dc4479cc5- Screening date
- 01 Oct 2026, 19:53 UTC
- Jurisdiction
- Global
- Risk screening
- Medium · 4/10
- Score trace
- -3 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.
- 01Source evidence
- 02Explainability
- 03Governance Relevance
- 04Report Output
Dataset QA · sanitized public view
Source evidence
- Publication gate
- Published
- Retrieval state
- Recorded retrieval available
- Latest retrieval
- 01 Oct 2026, 19:53 UTC
- Sanitized channel
direct- Data status
- Available
- Public snapshot evidence
- Available
Public snapshot fingerprints
f82ed7b015214f0190e8a5364a9faf3e3cd2f086cf65014624d4761cb5f3dbfbCaptured 28 Jul 2026, 22:44 UTC1dc7bf474cdba28eb54ecb2bd0c3b4b072dc65e288d4715b8348bbb0d00564b4Captured 01 Oct 2026, 19:53 UTCSource confidence describes recorded retrieval and publication state. It does not rate the provider policy or certify source authenticity.
Source-anchored screening trace
Explainability
The updated Wise Terms of Use clarify prohibited actions, improving transparency without introducing major new restrictions or changes to data practices.
- Reason 1+1 score contribution
Policy now fully details actions that circumvent terms, enhancing user understanding.
- Related KPI
- Regulatory compliance
- Source side
- new snapshot
Verified exact source passage
“Circumventing this Agreement or any Additional Document or Wise policy or determinations about your Wise Account such as temporary or indefinite suspensions or other account holds, limitations or restrictions, including, but not limited to,”
- Reason 2-1 score contribution
Extensive personal data collection for identity verification and transaction processing.
- Related KPI
- Data collection
- Source side
- new snapshot
Verified exact source passage
“We are required by law to conduct certain security and customer due diligence checks on you to provide any Services to you and allow you to have and maintain a Wise Account. Sometimes, we might also need to perform checks on other parties i”
- Reason 3-1 score contribution
Data sharing with third parties for service operation, verification, and legal compliance.
- Related KPI
- Third-party sharing
- Source side
- new snapshot
Verified exact source passage
“We will disclose information to third parties about your account or the transfers you make: (i) where it is necessary for completing transfers, or (ii) in order to verify the existence and condition of your account for a third party, such a”
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?
- AI training opt-out
- Not Available
- 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 JSON97058f49858313d5687d6805f77f4883da919944ea47a2dce6d49658c394ae65Questions before reuse
- Does the original Terms of Use source still match the recorded public snapshot version 3?
- 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?