{"schema":"https://policywatcher.online/schemas/evidence-packet/v1","schemaVersion":"1.0.0","mappingVersion":"2026-07-29.1","changeId":"0ff77632-4d58-4b0a-8c4d-7c2e190eb5de","screeningDate":"2026-07-28T22:44:04.080Z","publicationGate":"published","company":{"id":"eaf6c865-63a3-4c4f-bd2b-00eb6d0071d5","name":"Wise","slug":"wise","industry":"FinTech"},"policy":{"id":"b12c369f-415a-42cf-b4b8-11d70e823cbf","name":"Terms of Use","type":"terms","jurisdiction":"Global","sourceUrl":"https://wise.com/us/legal/terms-of-use"},"sourceConfidence":{"state":"review-required","lastCheckedAt":"2026-07-06T03:59:34.661Z","retrievalChannel":"seeded","dataStatus":"Available","publicSnapshotEvidence":true,"limitation":"Source confidence describes recorded retrieval and publication state. It does not rate the provider policy or certify source authenticity."},"snapshots":{"old":{"version":1,"sha256":"7abddea5f231a11d7aba895b620107cff4ca9dfe1e95529038585e8e0cb9c1b7","capturedAt":"2026-07-06T07:21:04.863Z"},"current":{"version":2,"sha256":"f82ed7b015214f0190e8a5364a9faf3e3cd2f086cf65014624d4761cb5f3dbfb","capturedAt":"2026-07-28T22:44:04.071Z"}},"assessment":{"summary":"The Wise Customer Agreement was updated to version 1.4, but the policy content remains unchanged from the previous version 1.3.","overallRisk":"Medium","overallScore":7,"previousPublicChange":null,"scoreDelta":null,"direction":"baseline","reasons":[{"icon":"warning","textEn":"Mandatory arbitration clause waives jury trials and class actions.","textIt":"La clausola di arbitrato obbligatorio rinuncia a giurie e azioni collettive.","deltaScore":2,"evidenceQuote":null,"evidenceSide":null,"relatedKpi":null,"anchorStatus":"not-recorded"},{"icon":"warning","textEn":"Broad data disclosure to third parties, including credit bureaus and government.","textIt":"Ampia divulgazione dei dati a terze parti, incluse agenzie di credito e governative.","deltaScore":1,"evidenceQuote":null,"evidenceSide":null,"relatedKpi":null,"anchorStatus":"not-recorded"},{"icon":"info","textEn":"Company retains significant rights to suspend or limit user accounts.","textIt":"L'azienda mantiene diritti significativi per sospendere o limitare gli account utente.","deltaScore":1,"evidenceQuote":null,"evidenceSide":null,"relatedKpi":null,"anchorStatus":"not-recorded"}],"keyPoints":[{"textEn":"No substantive changes were found in the policy content between versions 1.3 and 1.4.","textIt":"Nessuna modifica sostanziale è stata riscontrata nel contenuto della politica tra le versioni 1.3 e 1.4.","sentiment":"neutral"},{"textEn":"The policy includes a mandatory arbitration clause, waiving jury trials and class actions.","textIt":"La politica include una clausola di arbitrato obbligatorio, rinunciando a giurie e azioni collettive.","sentiment":"negative"},{"textEn":"Wise can share user data with third parties, including credit bureaus and government agencies.","textIt":"Wise può condividere i dati degli utenti con terze parti, incluse agenzie di credito e governative.","sentiment":"negative"},{"textEn":"Users are responsible for account security and must follow strict guidelines to prevent misuse.","textIt":"Gli utenti sono responsabili della sicurezza dell'account e devono seguire linee guida rigorose per prevenire abusi.","sentiment":"neutral"}],"regionImpacts":[{"region":"EU","perspective":"Enterprise","riskLevel":"Medium","impactAnalysisEn":"For EU enterprises, the policy's US-centric nature means careful consideration of cross-border data transfer mechanisms is needed. Compliance with GDPR for any data processed is crucial.","complianceNoteEn":"GDPR Chapter V"},{"region":"EU","perspective":"Individual","riskLevel":"Medium","impactAnalysisEn":"The policy's broad data sharing and arbitration clauses may conflict with stronger consumer protections under GDPR and EU consumer law. Users should be aware of potential limitations on their rights.","complianceNoteEn":"GDPR Data Sharing"},{"region":"Global","perspective":"Enterprise","riskLevel":"Medium","impactAnalysisEn":"Global enterprises must assess how Wise's terms interact with their own regulatory obligations in each operating jurisdiction. Data transfer and dispute resolution mechanisms are critical points.","complianceNoteEn":"International Data Transfer"},{"region":"Global","perspective":"Individual","riskLevel":"Medium","impactAnalysisEn":"Global individuals face varying levels of protection depending on their local laws, which may offer more rights than the US-centric policy. The arbitration clause is a key consideration.","complianceNoteEn":"Local Consumer Laws"},{"region":"US","perspective":"Enterprise","riskLevel":"Low","impactAnalysisEn":"US enterprises using Wise should ensure their internal policies align with Wise's terms, especially regarding data handling and dispute resolution. The policy reflects standard US financial compliance.","complianceNoteEn":"USA PATRIOT Act"},{"region":"US","perspective":"Individual","riskLevel":"Medium","impactAnalysisEn":"The mandatory arbitration clause significantly impacts US individuals by limiting their ability to sue in court or join class actions. Data sharing practices align with common US financial regulations.","complianceNoteEn":"Federal Arbitration Act"}],"explanationBoundary":"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."},"governance":{"boundary":"Mappings identify review relevance between recorded PolicyWatcher KPI fields and framework topics. They are not legal interpretations, conformity assessments, certifications or compliance verdicts.","mappings":[{"framework":{"id":"eu-ai-act","name":"Regulation (EU) 2024/1689 (EU AI Act)","shortName":"EU AI Act","referenceUrl":"https://eur-lex.europa.eu/eli/reg/2024/1689/oj","referenceVersion":"Official Journal text, 2024","reviewQuestion":"Which recorded policy statements may be relevant to transparency, automated decisions, data use and human oversight review?","kpiFields":["kpiAiTrainingOptOut","kpiAlgoTransparency","kpiAutomatedDecision","kpiAiBiasFairness"]},"status":"mapped","assessedCount":4,"mappedFieldCount":4,"evidence":[{"field":"kpiAiTrainingOptOut","label":"AI training opt-out","value":"Not Available"},{"field":"kpiAlgoTransparency","label":"Algorithmic transparency","value":"Opaque"},{"field":"kpiAutomatedDecision","label":"Automated decisions","value":"Opaque"},{"field":"kpiAiBiasFairness","label":"AI bias and fairness","value":"Absent"}]},{"framework":{"id":"iso-42001","name":"ISO/IEC 42001:2023","shortName":"ISO/IEC 42001","referenceUrl":"https://www.iso.org/standard/42001","referenceVersion":"ISO/IEC 42001:2023 overview","reviewQuestion":"Which recorded policy statements may inform an AI management-system review of transparency, risk oversight and independent assurance?","kpiFields":["kpiAlgoTransparency","kpiAiBiasFairness","kpiIndependentAudit","kpiRegulatoryCompliance"]},"status":"mapped","assessedCount":4,"mappedFieldCount":4,"evidence":[{"field":"kpiAlgoTransparency","label":"Algorithmic transparency","value":"Opaque"},{"field":"kpiAiBiasFairness","label":"AI bias and fairness","value":"Absent"},{"field":"kpiIndependentAudit","label":"Independent audit","value":"Absent"},{"field":"kpiRegulatoryCompliance","label":"Regulatory compliance","value":"Comprehensive"}]},{"framework":{"id":"nist-ai-rmf","name":"NIST AI Risk Management Framework 1.0","shortName":"NIST AI RMF","referenceUrl":"https://www.nist.gov/itl/ai-risk-management-framework","referenceVersion":"AI RMF 1.0; NIST revision in progress, checked 2026-07-29","reviewQuestion":"Which recorded policy statements may support Govern, Map, Measure or Manage review questions?","kpiFields":["kpiAlgoTransparency","kpiAutomatedDecision","kpiAiBiasFairness","kpiContentModeration"]},"status":"mapped","assessedCount":3,"mappedFieldCount":4,"evidence":[{"field":"kpiAlgoTransparency","label":"Algorithmic transparency","value":"Opaque"},{"field":"kpiAutomatedDecision","label":"Automated decisions","value":"Opaque"},{"field":"kpiAiBiasFairness","label":"AI bias and fairness","value":"Absent"}]},{"framework":{"id":"oecd-ai-principles","name":"OECD AI Principles","shortName":"OECD AI Principles","referenceUrl":"https://oecd.ai/en/ai-principles","referenceVersion":"OECD AI Principles, updated 2024","reviewQuestion":"Which recorded policy statements may be relevant to transparency, fairness, accountability and user agency review?","kpiFields":["kpiConsentMechanism","kpiAlgoTransparency","kpiAiBiasFairness","kpiIndependentAudit"]},"status":"mapped","assessedCount":4,"mappedFieldCount":4,"evidence":[{"field":"kpiConsentMechanism","label":"Consent mechanism","value":"Implicit"},{"field":"kpiAlgoTransparency","label":"Algorithmic transparency","value":"Opaque"},{"field":"kpiAiBiasFairness","label":"AI bias and fairness","value":"Absent"},{"field":"kpiIndependentAudit","label":"Independent audit","value":"Absent"}]}]},"humanReviewQuestions":["Does the original Terms of Use source still match the recorded public snapshot version 2?","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?"],"methodologyUrl":"https://policywatcher.online/methodology/confidence","changeUrl":"https://policywatcher.online/change/0ff77632-4d58-4b0a-8c4d-7c2e190eb5de","boundary":"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.","contentDigest":"ddd0bfaea39c11de0b3f130e2df136ab0b6a4f9d0ae84e5995a1ade8f71f1541"}