Public Evidence Packet
PayPal - User Agreement
User Agreement
ddb0b72a-2ef2-40b6-914a-29c04fcf6a9c- Screening date
- 05 Nov 2026, 18:39 UTC
- Jurisdiction
- US
- 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.
- 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, 18:39 UTC
- Sanitized channel
direct- Data status
- Available
- Public snapshot evidence
- Available
Public snapshot fingerprints
ddd4bfc008e4bbfae36517a15cd6539326e349a05cb709da7817c213d8eeaf1aCaptured 24 Sept 2026, 16:39 UTC13406b96a49e25da9601ac934d8367ae34f44b887e8c988aa647c2e04f83cb38Captured 05 Nov 2026, 18:39 UTCSource confidence describes recorded retrieval and publication state. It does not rate the provider policy or certify source authenticity.
Source-anchored screening trace
Explainability
PayPal's updated User Agreement expands prohibited activities to include more types of false information, increasing user responsibility for data accuracy.
- Reason 1-2 score contribution
Expanded definition of "misleading information" increases user liability.
- Related KPI
- Regulatory compliance
- Source side
- new snapshot
Verified exact source passage
“Provide false, inaccurate or misleading information regarding your identity, account or business, goods or services offered or purchased, transaction details, or other information related to your use of our services;”
- Reason 2-1 score contribution
Broader grounds for PayPal to impose account limitations or suspensions.
- Related KPI
- Automated decisions
- Source side
- new snapshot
Verified exact source passage
“If we believe that you’ve engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion.”
- Reason 3-1 score contribution
Users must be more diligent in providing accurate and complete information.
- Related KPI
- Data collection
- Source side
- new snapshot
Verified exact source passage
“Provide false, inaccurate or misleading information regarding your identity, account or business, goods or services offered or purchased, transaction details, or other information related to your use of our services;”
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
- Partial
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
- Content moderation
- Opaque
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 JSONc4d88ac7ed7e455bf0385e61250e7f656283c7a712eebc4216c76c392d6ecd3eQuestions before reuse
- Does the original User Agreement 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?