{"schema":"https://policywatcher.online/schemas/evidence-collection/v1","schemaVersion":"1.0.0","asOf":"2026-08-02T12:50:57.183Z","selection":{"count":1,"limit":12,"companyCount":1,"jurisdictionCount":1,"changeIds":["f14dc990-fe46-4292-9702-48471a26ad97"]},"records":[{"changeId":"f14dc990-fe46-4292-9702-48471a26ad97","screeningDate":"2026-08-02T12:50:57.183Z","company":{"id":"c0caa75b-cc98-45c5-9b6b-198af2014025","name":"PayPal","slug":"paypal","industry":"FinTech"},"policy":{"id":"dc8f08a1-4c7e-4b31-a1cd-c3f8597c965a","name":"User Agreement","type":"terms","jurisdiction":"EU","sourceUrl":"https://www.paypal.com/lu/legalhub/paypal/useragreement-full"},"sourceConfidence":{"state":"review-required","lastCheckedAt":"2026-07-06T03:59:34.661Z","retrievalChannel":"seeded","limitation":"Source confidence describes recorded retrieval and publication state. It does not rate the provider policy or certify source authenticity."},"currentSnapshot":{"version":6,"sha256":"3e217da9e7ae7a1db9b349adc236cadeadd301a3ed9218ab56117447e2280894","capturedAt":"2026-08-02T12:50:57.172Z"},"assessment":{"summary":"No changes were found between the old and new versions of PayPal's User Agreement, maintaining existing terms for Luxembourg residents.","overallRisk":"Medium","overallScore":4,"scoreDelta":-1,"direction":"lower","reasons":[{"icon":"info","textEn":"Data retention after account closure for legal and risk management purposes.","textIt":"Conservazione dei dati dopo la chiusura dell'account per scopi legali e di gestione del rischio.","deltaScore":0,"evidenceQuote":null,"evidenceSide":null,"relatedKpi":"kpiDataRetention","anchorStatus":"not-recorded"},{"icon":"info","textEn":"Automatic updates to linked funding source information without explicit user action.","textIt":"Aggiornamenti automatici delle informazioni sulle fonti di finanziamento collegate senza azione esplicita dell'utente.","deltaScore":0,"evidenceQuote":"If this information changes, we may update it using information and third-party sources available to us without any action on your part.","evidenceSide":"old","relatedKpi":"kpiDataCollection","anchorStatus":"verified"},{"icon":"info","textEn":"Users are liable for actions taken by third parties granted account permissions.","textIt":"Gli utenti sono responsabili per le azioni intraprese da terze parti con permessi sull'account.","deltaScore":0,"evidenceQuote":"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","evidenceSide":"old","relatedKpi":"kpiThirdPartySharing","anchorStatus":"verified"}],"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":{"mappedFrameworks":[{"id":"iso-42001","name":"ISO/IEC 42001","referenceVersion":"ISO/IEC 42001:2023 overview","referenceUrl":"https://www.iso.org/standard/42001","reviewQuestion":"Which recorded policy statements may inform an AI management-system review of transparency, risk oversight and independent assurance?"},{"id":"oecd-ai-principles","name":"OECD AI Principles","referenceVersion":"OECD AI Principles, updated 2024","referenceUrl":"https://oecd.ai/en/ai-principles","reviewQuestion":"Which recorded policy statements may be relevant to transparency, fairness, accountability and user agency review?"}],"boundary":"Mappings identify review relevance between recorded PolicyWatcher KPI fields and framework topics. They are not legal interpretations, conformity assessments, certifications or compliance verdicts."},"reviewQuestions":["Does the original User Agreement source still match the recorded public snapshot version 6?","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?"],"links":{"change":"https://policywatcher.online/change/f14dc990-fe46-4292-9702-48471a26ad97","evidence":"https://policywatcher.online/evidence/f14dc990-fe46-4292-9702-48471a26ad97","json":"https://policywatcher.online/api/evidence-packet/f14dc990-fe46-4292-9702-48471a26ad97?format=json","pdf":"https://policywatcher.online/api/evidence-packet/f14dc990-fe46-4292-9702-48471a26ad97?format=pdf"},"evidencePacketDigest":"842f1151580dec8be74dfd563182c7af856e8f3b7e7df71893e92761960a1d0f","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."}],"reviewChecklist":["Confirm that each selected record is relevant to the intended review scope.","Open the provider source and exact Evidence Packet before relying on a summary.","Keep record-level limitations and advisory framework boundaries attached when reusing the bundle.","Check whether a later public change supersedes any selected record."],"boundary":"This collection groups selected public PolicyWatcher evidence records. It is not exhaustive market coverage, persistent team collaboration, legal advice, a compliance assessment or proof that an external source remains unchanged.","collectionId":"pwc_160e344048b43c99","contentDigest":"160e344048b43c99ec061ed3ca4c7386a0d29f7f2f44c87e9adeaee63b483c9c"}