Public Evidence Packet
PayPal
User Agreement
decc553e-ece4-43de-8d6e-4f4fedbf3a9a- Screening date
- 02 Aug 2026, 11:30 UTC
- Jurisdiction
- EU
- Risk screening
- Medium · 5/10
- Score trace
- 0 points; unchanged
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 Confidence
- 02Explainability
- 03Governance Relevance
- 04Report Output
Dataset QA · sanitized public view
Source Confidence
- Publication gate
- Published
- Retrieval state
- Review required
- Latest retrieval
- 06 Jul 2026, 03:59 UTC
- Sanitized channel
seeded- Data status
- Available
- Public snapshot evidence
- Available
Public snapshot fingerprints
3e217da9e7ae7a1db9b349adc236cadeadd301a3ed9218ab56117447e2280894Captured 01 Aug 2026, 04:37 UTCdcc651853121f39a69abe965fdc1aa7b74abee98a7ce2a4a039a11821a93bea1Captured 02 Aug 2026, 11:30 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 in the PayPal User Agreement, which continues to detail account terms, security, and consumer rights for Luxembourg residents.
- Reason 10 score contribution
No interest earned on electronic money balances due to legal restrictions.
- Related KPI
- No related KPI recorded
- Source side
- old snapshot
Verified exact source passage
“You will not receive interest or any other earnings on the money in your account. This is because the money in your account is electronic money and applicable laws forbid paying interest on electronic money (for example, Directive 2009/110/”
- 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
Account information may be retained after closure for legal obligations.
- Related KPI
- Data retention
- Source side
- Not recorded
Source passage not recordedThis 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.
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?
Exact change-bound files
Report Output
Both files are generated from this exact change ID.
Download exact-change PDF Download exact-change JSONa81aba1e91ccee7938c9277e099c085cf86325b0b4adb13d024bedc39a8453cdQuestions before reuse
- Does the original User Agreement source still match the recorded public snapshot version 5?
- 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?