Public Evidence Packet
PayPal - User Agreement
User Agreement
a5804b9f-61b2-43cc-9cba-67391d428238- Screening date
- 01 Aug 2026, 04:37 UTC
- Jurisdiction
- EU
- Risk screening
- Medium · 5/10
- Score trace
- -1 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
- 05 Nov 2026, 18:41 UTC
- Sanitized channel
direct- Data status
- Available
- Public snapshot evidence
- Available
Public snapshot fingerprints
dcc651853121f39a69abe965fdc1aa7b74abee98a7ce2a4a039a11821a93bea1Captured 10 Jul 2026, 01:47 UTC3e217da9e7ae7a1db9b349adc236cadeadd301a3ed9218ab56117447e2280894Captured 01 Aug 2026, 04:37 UTCSource confidence describes recorded retrieval and publication state. It does not rate the provider policy or certify source authenticity.
Source-anchored screening trace
Explainability
No changes were found between the old and new versions of the PayPal User Agreement; the policy remains consistent.
- Reason 10 score contribution
Extended data retention post-closure for legal and risk management purposes.
- Related KPI
- Data retention
- Source side
- Not recorded
Source passage not recordedThis historical reason has no recorded source passage.
- Reason 20 score contribution
Users are liable for actions of authorized third-party service providers.
- Related KPI
- Third-party sharing
- Source side
- old snapshot
Verified exact source passage
“You are liable to us for the actions that you authorise the third parties to carry out. You will not hold us responsible for, and you will indemnify us from, any liability arising from the actions or inactions of such third parties in conne”
- Reason 30 score contribution
PayPal may automatically update funding source information using third-party data.
- Related KPI
- Data collection
- Source side
- old snapshot
Verified exact source passage
“If this information changes, we may update it using information and third-party sources available to us without any action on your part.”
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?
- 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
- Explicit Opt-In
- 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 JSON76e66f3118d115974ee5be8f4bc4f4921e6511bcb48484a1748f5eda792e393dQuestions before reuse
- Does the original User Agreement source still match the recorded public snapshot version 4?
- 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?