{ "format": "palo-policywatcher-signal-registry", "schemaVersion": "1.0.0", "updatedAt": "2026-10-28T13:06:04.436Z", "source": { "providerId": "policywatcher", "origin": "https://policywatcher.online", "endpoint": "/api/v1/integrations/palo/signals", "mode": "optional-pull", "networkOptional": true }, "transport": { "state": "healthy", "lastAttemptAt": "2026-10-28T13:06:04.436Z", "lastSuccessfulSyncAt": "2026-10-28T13:06:04.436Z", "completeTraversal": true, "pageCount": 5, "stale": false, "errorCode": null }, "statistics": { "active": 108, "revoked": 2, "received": 108, "accepted": 108, "rejected": 0, "changed": 0 }, "entries": [ { "signalId": "signal-policywatcher-01af060e-86ec-4f31-b617-fda6ff7b6be1", "changeId": "01af060e-86ec-4f31-b617-fda6ff7b6be1", "signalDigest": "b4bb88015afecd49670601e720bf0b1b3d62086475dab26cf737b2946a83728d", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-06T05:17:53.761Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-01af060e-86ec-4f31-b617-fda6ff7b6be1", "observedAt": "2026-09-24T16:38:00.516Z", "source": { "sourceId": "policywatcher-change-01af060e-86ec-4f31-b617-fda6ff7b6be1", "title": "X (Twitter): Privacy Policy", "url": "https://policywatcher.online/change/01af060e-86ec-4f31-b617-fda6ff7b6be1", "publisher": "PolicyWatcher", "checkedAt": "2026-09-24T16:38:00.516Z" }, "summary": "The X Privacy Policy has no changes; it continues to detail extensive data collection, broad third-party sharing for AI training (opt-out), and biometric data collection.", "changeType": "unknown", "subjects": [ "x-twitter", "privacy", "Privacy Policy" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "01af060e-86ec-4f31-b617-fda6ff7b6be1", "eventType": "policy.change.published", "company": { "id": "abeee5e5-6930-4e28-995a-552c200bc853", "name": "X (Twitter)", "slug": "x-twitter", "industry": "Social Media" }, "policy": { "id": "73b56cdd-595f-4133-a517-b5fa94dc0c97", "name": "Privacy Policy", "type": "privacy", "jurisdiction": "Global" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/01af060e-86ec-4f31-b617-fda6ff7b6be1", "evidence": "https://policywatcher.online/evidence/01af060e-86ec-4f31-b617-fda6ff7b6be1", "evidenceJson": "https://policywatcher.online/api/evidence-packet/01af060e-86ec-4f31-b617-fda6ff7b6be1?format=json" } } } } }, { "signalId": "signal-policywatcher-07af8187-6856-489f-9d19-4058d9120405", "changeId": "07af8187-6856-489f-9d19-4058d9120405", "signalDigest": "70dd2c2a04920b41da0ae0cea1b73084bca9883ca3baced5c934eab14b36b09d", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-07af8187-6856-489f-9d19-4058d9120405", "observedAt": "2026-08-02T12:50:33.841Z", "source": { "sourceId": "policywatcher-change-07af8187-6856-489f-9d19-4058d9120405", "title": "PayPal: Privacy Statement", "url": "https://policywatcher.online/change/07af8187-6856-489f-9d19-4058d9120405", "publisher": "PolicyWatcher", "checkedAt": "2026-08-02T12:50:33.841Z" }, "summary": "No changes were detected in PayPal's Privacy Statement, maintaining existing extensive data collection, sharing, and AI training practices.", "changeType": "unknown", "subjects": [ "paypal", "privacy", "Privacy Statement" ], "jurisdictions": [ "US" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "07af8187-6856-489f-9d19-4058d9120405", "eventType": "policy.change.published", "company": { "id": "c0caa75b-cc98-45c5-9b6b-198af2014025", "name": "PayPal", "slug": "paypal", "industry": "FinTech" }, "policy": { "id": "9e09108f-4041-4c64-8e16-88543e1b7e43", "name": "Privacy Statement", "type": "privacy", "jurisdiction": "US" }, "screening": { "overallRisk": "Medium", "overallScore": 6, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/07af8187-6856-489f-9d19-4058d9120405", "evidence": "https://policywatcher.online/evidence/07af8187-6856-489f-9d19-4058d9120405", "evidenceJson": "https://policywatcher.online/api/evidence-packet/07af8187-6856-489f-9d19-4058d9120405?format=json" } } } } }, { "signalId": "signal-policywatcher-0a9d773d-4417-4498-833b-e9ae88d6433c", "changeId": "0a9d773d-4417-4498-833b-e9ae88d6433c", "signalDigest": "92c0b9a495c65d56b9e88d747f21aa3e3f85bc40c4906b936bdc977220a2a716", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-06T05:17:53.761Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-0a9d773d-4417-4498-833b-e9ae88d6433c", "observedAt": "2026-09-23T17:20:06.806Z", "source": { "sourceId": "policywatcher-change-0a9d773d-4417-4498-833b-e9ae88d6433c", "title": "Microsoft: Privacy Statement", "url": "https://policywatcher.online/change/0a9d773d-4417-4498-833b-e9ae88d6433c", "publisher": "PolicyWatcher", "checkedAt": "2026-09-23T17:20:06.806Z" }, "summary": "The policy update explicitly broadens device and usage data collection to include website and app interactions, maintaining existing concerns about AI training and data retention.", "changeType": "unknown", "subjects": [ "microsoft", "privacy", "Privacy Statement" ], "jurisdictions": [ "US" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "0a9d773d-4417-4498-833b-e9ae88d6433c", "eventType": "policy.change.published", "company": { "id": "9bffb74f-0f91-46a9-a635-74b5e91623e1", "name": "Microsoft", "slug": "microsoft", "industry": "Tech Giant" }, "policy": { "id": "cda59c99-32eb-4c5d-aae6-a269c7b681f6", "name": "Privacy Statement", "type": "privacy", "jurisdiction": "US" }, "screening": { "overallRisk": "High", "overallScore": 8, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/0a9d773d-4417-4498-833b-e9ae88d6433c", "evidence": "https://policywatcher.online/evidence/0a9d773d-4417-4498-833b-e9ae88d6433c", "evidenceJson": "https://policywatcher.online/api/evidence-packet/0a9d773d-4417-4498-833b-e9ae88d6433c?format=json" } } } } }, { "signalId": "signal-policywatcher-0b360805-607e-41ae-b0ff-6958cec16541", "changeId": "0b360805-607e-41ae-b0ff-6958cec16541", "signalDigest": "6b450e9a78fc57888f7834d403bb9c0fd1b2ec4cd2251f002a46697b44d8a08c", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-0b360805-607e-41ae-b0ff-6958cec16541", "observedAt": "2026-07-06T22:11:39.924Z", "source": { "sourceId": "policywatcher-change-0b360805-607e-41ae-b0ff-6958cec16541", "title": "Meta: Terms of Service", "url": "https://policywatcher.online/change/0b360805-607e-41ae-b0ff-6958cec16541", "publisher": "PolicyWatcher", "checkedAt": "2026-07-06T22:11:39.924Z" }, "summary": "Meta removed the ad-free option and its explicit reservation against text/data mining, increasing data use for AI and reducing user choice.", "changeType": "unknown", "subjects": [ "meta", "terms", "Terms of Service" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "0b360805-607e-41ae-b0ff-6958cec16541", "eventType": "policy.change.published", "company": { "id": "6f69e944-8b6c-4dce-8693-58804624471b", "name": "Meta", "slug": "meta", "industry": "Tech Giant" }, "policy": { "id": "959fc5a0-6e35-4088-811d-fbdd905e46e4", "name": "Terms of Service", "type": "terms", "jurisdiction": "Global" }, "screening": { "overallRisk": "High", "overallScore": 8, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/0b360805-607e-41ae-b0ff-6958cec16541", "evidence": "https://policywatcher.online/evidence/0b360805-607e-41ae-b0ff-6958cec16541", "evidenceJson": "https://policywatcher.online/api/evidence-packet/0b360805-607e-41ae-b0ff-6958cec16541?format=json" } } } } }, { "signalId": "signal-policywatcher-0f0b5d8a-a1c2-4b58-9dc9-5048ea871508", "changeId": "0f0b5d8a-a1c2-4b58-9dc9-5048ea871508", "signalDigest": "8db768001417d4a8a86a1c30d27e07e959f568cdc4577e03e6c7c27ff87a7637", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-11T05:55:49.891Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-0f0b5d8a-a1c2-4b58-9dc9-5048ea871508", "observedAt": "2026-10-11T03:43:27.475Z", "source": { "sourceId": "policywatcher-change-0f0b5d8a-a1c2-4b58-9dc9-5048ea871508", "title": "X (Twitter): Terms of Service", "url": "https://policywatcher.online/change/0f0b5d8a-a1c2-4b58-9dc9-5048ea871508", "publisher": "PolicyWatcher", "checkedAt": "2026-10-11T03:43:27.475Z" }, "summary": "X's updated terms grant the company broad rights to use your posts and data for training AI models without compensation.", "changeType": "unknown", "subjects": [ "x-twitter", "terms", "Terms of Service" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "0f0b5d8a-a1c2-4b58-9dc9-5048ea871508", "eventType": "policy.change.published", "company": { "id": "abeee5e5-6930-4e28-995a-552c200bc853", "name": "X (Twitter)", "slug": "x-twitter", "industry": "Social Media" }, "policy": { "id": "f2b77af5-3705-4573-94a5-10153d76e7f5", "name": "Terms of Service", "type": "terms", "jurisdiction": "Global" }, "screening": { "overallRisk": "Medium", "overallScore": 6, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/0f0b5d8a-a1c2-4b58-9dc9-5048ea871508", "evidence": "https://policywatcher.online/evidence/0f0b5d8a-a1c2-4b58-9dc9-5048ea871508", "evidenceJson": "https://policywatcher.online/api/evidence-packet/0f0b5d8a-a1c2-4b58-9dc9-5048ea871508?format=json" } } } } }, { "signalId": "signal-policywatcher-0ff77632-4d58-4b0a-8c4d-7c2e190eb5de", "changeId": "0ff77632-4d58-4b0a-8c4d-7c2e190eb5de", "signalDigest": "18ddbb8279d815a607ddb4012d8974b1678a814cf6d3d9e62d2d417583bfeed5", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-0ff77632-4d58-4b0a-8c4d-7c2e190eb5de", "observedAt": "2026-07-28T22:44:04.080Z", "source": { "sourceId": "policywatcher-change-0ff77632-4d58-4b0a-8c4d-7c2e190eb5de", "title": "Wise: Terms of Use", "url": "https://policywatcher.online/change/0ff77632-4d58-4b0a-8c4d-7c2e190eb5de", "publisher": "PolicyWatcher", "checkedAt": "2026-07-28T22:44:04.080Z" }, "summary": "The Wise Customer Agreement was updated to version 1.4, but the policy content remains unchanged from the previous version 1.3.", "changeType": "unknown", "subjects": [ "wise", "terms", "Terms of Use" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. 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PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "1baf2615-ab0f-4173-9dd9-d540c02b8bce", "eventType": "policy.change.published", "company": { "id": "3e20dca5-ce3f-4e7e-930c-7aa4753a789d", "name": "Google", "slug": "google", "industry": "Tech Giant" }, "policy": { "id": "11539eab-9c04-4d21-8496-ac21de3bc7e2", "name": "Privacy Policy", "type": "privacy", "jurisdiction": "US" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/1baf2615-ab0f-4173-9dd9-d540c02b8bce", "evidence": "https://policywatcher.online/evidence/1baf2615-ab0f-4173-9dd9-d540c02b8bce", "evidenceJson": "https://policywatcher.online/api/evidence-packet/1baf2615-ab0f-4173-9dd9-d540c02b8bce?format=json" } } } } }, { "signalId": "signal-policywatcher-1c0fa075-7975-4cd2-a17d-1cc2c2cc8034", "changeId": "1c0fa075-7975-4cd2-a17d-1cc2c2cc8034", "signalDigest": "95faf3907141ad8a9d9bf3db5cb32411cfc6eb8fd3e1847f2e4b01638205e6bf", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-23T13:31:55.564Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-1c0fa075-7975-4cd2-a17d-1cc2c2cc8034", "observedAt": "2026-10-23T11:43:31.549Z", "source": { "sourceId": "policywatcher-change-1c0fa075-7975-4cd2-a17d-1cc2c2cc8034", "title": "Wise: Business Privacy Notice", "url": "https://policywatcher.online/change/1c0fa075-7975-4cd2-a17d-1cc2c2cc8034", "publisher": "PolicyWatcher", "checkedAt": "2026-10-23T11:43:31.549Z" }, "summary": "The Wise Business Privacy Notice has no material changes, maintaining existing data collection, sharing, and automated decision-making practices.", "changeType": "unknown", "subjects": [ "wise", "privacy", "Business Privacy Notice" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "1c0fa075-7975-4cd2-a17d-1cc2c2cc8034", "eventType": "policy.change.published", "company": { "id": "eaf6c865-63a3-4c4f-bd2b-00eb6d0071d5", "name": "Wise", "slug": "wise", "industry": "FinTech" }, "policy": { "id": "4cb8eff5-72ef-440c-b9a6-b614a2e47ae0", "name": "Business Privacy Notice", "type": "privacy", "jurisdiction": "Global" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/1c0fa075-7975-4cd2-a17d-1cc2c2cc8034", "evidence": "https://policywatcher.online/evidence/1c0fa075-7975-4cd2-a17d-1cc2c2cc8034", "evidenceJson": "https://policywatcher.online/api/evidence-packet/1c0fa075-7975-4cd2-a17d-1cc2c2cc8034?format=json" } } } } }, { "signalId": "signal-policywatcher-1ee4e96e-0be3-46bf-8c66-10c4e8f3718a", "changeId": "1ee4e96e-0be3-46bf-8c66-10c4e8f3718a", "signalDigest": "992299a833bef605079b553a3158dfec675102211dd0f74ae91b8d5e3c22efc4", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-1ee4e96e-0be3-46bf-8c66-10c4e8f3718a", "observedAt": "2026-07-06T09:44:43.365Z", "source": { "sourceId": "policywatcher-change-1ee4e96e-0be3-46bf-8c66-10c4e8f3718a", "title": "Klarna: Privacy Notice", "url": "https://policywatcher.online/change/1ee4e96e-0be3-46bf-8c66-10c4e8f3718a", "publisher": "PolicyWatcher", "checkedAt": "2026-07-06T09:44:43.365Z" }, "summary": "The new Klarna policy improves user rights access but removes explicit details on biometric data collection and specific AI/ML processing, reducing transparency.", "changeType": "unknown", "subjects": [ "klarna", "privacy", "Privacy Notice" ], "jurisdictions": [ "US" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. 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PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "245f8e52-2b6c-4d4e-8565-600f69b8a78d", "eventType": "policy.change.published", "company": { "id": "db74e904-0a7d-4a0c-a18f-a8270bf3f498", "name": "TikTok", "slug": "tiktok", "industry": "Social Media" }, "policy": { "id": "ba9a6eba-2f2e-4b30-8a92-04f7743f0d65", "name": "Privacy Policy", "type": "privacy", "jurisdiction": "EU" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/245f8e52-2b6c-4d4e-8565-600f69b8a78d", "evidence": "https://policywatcher.online/evidence/245f8e52-2b6c-4d4e-8565-600f69b8a78d", "evidenceJson": "https://policywatcher.online/api/evidence-packet/245f8e52-2b6c-4d4e-8565-600f69b8a78d?format=json" } } } } }, { "signalId": "signal-policywatcher-25330a35-6bce-4de2-8716-1796e250e928", "changeId": "25330a35-6bce-4de2-8716-1796e250e928", "signalDigest": "3bf6b1b1d97f6b6cc45a5295a06e0743ffec5bbd322d34a7a8b00e26bb33f218", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-14T07:43:39.674Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-25330a35-6bce-4de2-8716-1796e250e928", "observedAt": "2026-10-14T03:41:18.310Z", "source": { "sourceId": "policywatcher-change-25330a35-6bce-4de2-8716-1796e250e928", "title": "Google: Privacy Policy", "url": "https://policywatcher.online/change/25330a35-6bce-4de2-8716-1796e250e928", "publisher": "PolicyWatcher", "checkedAt": "2026-10-14T03:41:18.310Z" }, "summary": "Google clarified how it collects and uses unsigned-out data via unique identifiers across devices.", "changeType": "unknown", "subjects": [ "google", "privacy", "Privacy Policy" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "25330a35-6bce-4de2-8716-1796e250e928", "eventType": "policy.change.published", "company": { "id": "3e20dca5-ce3f-4e7e-930c-7aa4753a789d", "name": "Google", "slug": "google", "industry": "Tech Giant" }, "policy": { "id": "c287880a-4512-4dc0-a8bd-cdf7d4f33e15", "name": "Privacy Policy", "type": "privacy", "jurisdiction": "Global" }, "screening": { "overallRisk": "Medium", "overallScore": 5, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/25330a35-6bce-4de2-8716-1796e250e928", "evidence": "https://policywatcher.online/evidence/25330a35-6bce-4de2-8716-1796e250e928", "evidenceJson": "https://policywatcher.online/api/evidence-packet/25330a35-6bce-4de2-8716-1796e250e928?format=json" } } } } }, { "signalId": "signal-policywatcher-2aed4997-f8d9-4549-998b-a8da6e628f98", "changeId": "2aed4997-f8d9-4549-998b-a8da6e628f98", "signalDigest": "870498b6b62c35e6bf7d0dbf72bf245b8a3cded06cafea28f3fcf172d249c327", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-22T18:35:40.238Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-2aed4997-f8d9-4549-998b-a8da6e628f98", "observedAt": "2026-10-22T11:39:08.841Z", "source": { "sourceId": "policywatcher-change-2aed4997-f8d9-4549-998b-a8da6e628f98", "title": "Klarna: Membership Agreement", "url": "https://policywatcher.online/change/2aed4997-f8d9-4549-998b-a8da6e628f98", "publisher": "PolicyWatcher", "checkedAt": "2026-10-22T11:39:08.841Z" }, "summary": "Klarna's Membership Agreement update is minor, changing \"balance account\" to \"personal account\" without affecting user rights or obligations.", "changeType": "unknown", "subjects": [ "klarna", "terms", "Membership Agreement" ], "jurisdictions": [ "US" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "2aed4997-f8d9-4549-998b-a8da6e628f98", "eventType": "policy.change.published", "company": { "id": "fc0a9a77-eb4b-432a-8229-00185c53d30e", "name": "Klarna", "slug": "klarna", "industry": "FinTech" }, "policy": { "id": "37469295-57a6-408e-bfdf-864534018810", "name": "Membership Agreement", "type": "terms", "jurisdiction": "US" }, "screening": { "overallRisk": "High", "overallScore": 8, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/2aed4997-f8d9-4549-998b-a8da6e628f98", "evidence": "https://policywatcher.online/evidence/2aed4997-f8d9-4549-998b-a8da6e628f98", "evidenceJson": "https://policywatcher.online/api/evidence-packet/2aed4997-f8d9-4549-998b-a8da6e628f98?format=json" } } } } }, { "signalId": "signal-policywatcher-2b3c911a-ff82-4eb2-93cd-d97cc9c642a0", "changeId": "2b3c911a-ff82-4eb2-93cd-d97cc9c642a0", "signalDigest": "dc485e85a6a7ed60272f51921ac8788adb6d56fd9a6f8e17f2795bf3b6c530fa", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-2b3c911a-ff82-4eb2-93cd-d97cc9c642a0", "observedAt": "2026-08-02T11:30:24.233Z", "source": { "sourceId": "policywatcher-change-2b3c911a-ff82-4eb2-93cd-d97cc9c642a0", "title": "PayPal: Privacy Statement", "url": "https://policywatcher.online/change/2b3c911a-ff82-4eb2-93cd-d97cc9c642a0", "publisher": "PolicyWatcher", "checkedAt": "2026-08-02T11:30:24.233Z" }, "summary": "No changes were found in PayPal's Privacy Statement; it continues to outline extensive data collection, AI training, and broad third-party sharing.", "changeType": "unknown", "subjects": [ "paypal", "privacy", "Privacy Statement" ], "jurisdictions": [ "US" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "2b3c911a-ff82-4eb2-93cd-d97cc9c642a0", "eventType": "policy.change.published", "company": { "id": "c0caa75b-cc98-45c5-9b6b-198af2014025", "name": "PayPal", "slug": "paypal", "industry": "FinTech" }, "policy": { "id": "9e09108f-4041-4c64-8e16-88543e1b7e43", "name": "Privacy Statement", "type": "privacy", "jurisdiction": "US" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/2b3c911a-ff82-4eb2-93cd-d97cc9c642a0", "evidence": "https://policywatcher.online/evidence/2b3c911a-ff82-4eb2-93cd-d97cc9c642a0", "evidenceJson": "https://policywatcher.online/api/evidence-packet/2b3c911a-ff82-4eb2-93cd-d97cc9c642a0?format=json" } } } } }, { "signalId": "signal-policywatcher-2c167795-987c-4b85-8baa-b6ab48f37c61", "changeId": "2c167795-987c-4b85-8baa-b6ab48f37c61", "signalDigest": "9ed8aa5e92599b8e779925ed21bb1458565d3b02e4499527e883a9de16e829f9", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-06T05:17:53.761Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-2c167795-987c-4b85-8baa-b6ab48f37c61", "observedAt": "2026-10-01T19:45:54.641Z", "source": { "sourceId": "policywatcher-change-2c167795-987c-4b85-8baa-b6ab48f37c61", "title": "Google: Privacy Policy", "url": "https://policywatcher.online/change/2c167795-987c-4b85-8baa-b6ab48f37c61", "publisher": "PolicyWatcher", "checkedAt": "2026-10-01T19:45:54.641Z" }, "summary": "No changes were found between the old and new Google Privacy Policy versions, maintaining existing data collection, usage, and sharing practices.", "changeType": "unknown", "subjects": [ "google", "privacy", "Privacy Policy" ], "jurisdictions": [ "US" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "2c167795-987c-4b85-8baa-b6ab48f37c61", "eventType": "policy.change.published", "company": { "id": "3e20dca5-ce3f-4e7e-930c-7aa4753a789d", "name": "Google", "slug": "google", "industry": "Tech Giant" }, "policy": { "id": "11539eab-9c04-4d21-8496-ac21de3bc7e2", "name": "Privacy Policy", "type": "privacy", "jurisdiction": "US" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/2c167795-987c-4b85-8baa-b6ab48f37c61", "evidence": "https://policywatcher.online/evidence/2c167795-987c-4b85-8baa-b6ab48f37c61", "evidenceJson": "https://policywatcher.online/api/evidence-packet/2c167795-987c-4b85-8baa-b6ab48f37c61?format=json" } } } } }, { "signalId": "signal-policywatcher-2e62256f-eb3a-45c5-95ba-e7b297822af5", "changeId": "2e62256f-eb3a-45c5-95ba-e7b297822af5", "signalDigest": "f60ea3b4ecc618e61cebbaeaaa4343506cf90925be67bd15f3e2f5a4d957a68f", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-2e62256f-eb3a-45c5-95ba-e7b297822af5", "observedAt": "2026-07-19T03:55:44.131Z", "source": { "sourceId": "policywatcher-change-2e62256f-eb3a-45c5-95ba-e7b297822af5", "title": "Wise: Privacy Policy", "url": "https://policywatcher.online/change/2e62256f-eb3a-45c5-95ba-e7b297822af5", "publisher": "PolicyWatcher", "checkedAt": "2026-07-19T03:55:44.131Z" }, "summary": "Wise's updated policy increases data sharing for fraud prevention and slightly reduces its explicit commitment to AI transparency, impacting user privacy.", "changeType": "unknown", "subjects": [ "wise", "privacy", "Privacy Policy" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "2e62256f-eb3a-45c5-95ba-e7b297822af5", "eventType": "policy.change.published", "company": { "id": "eaf6c865-63a3-4c4f-bd2b-00eb6d0071d5", "name": "Wise", "slug": "wise", "industry": "FinTech" }, "policy": { "id": "3e616451-ba60-46e6-9634-d5925da2d56a", "name": "Privacy Policy", "type": "privacy", "jurisdiction": "Global" }, "screening": { "overallRisk": "Medium", "overallScore": 6, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/2e62256f-eb3a-45c5-95ba-e7b297822af5", "evidence": "https://policywatcher.online/evidence/2e62256f-eb3a-45c5-95ba-e7b297822af5", "evidenceJson": "https://policywatcher.online/api/evidence-packet/2e62256f-eb3a-45c5-95ba-e7b297822af5?format=json" } } } } }, { "signalId": "signal-policywatcher-2eb47239-1f48-47c7-a109-ed8efb3b7dfd", "changeId": "2eb47239-1f48-47c7-a109-ed8efb3b7dfd", "signalDigest": "aec8dd173c002590615c0fec8745ee4185e0e7e8cb9e67846b0e00bbfd99005c", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-24T14:37:05.137Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-2eb47239-1f48-47c7-a109-ed8efb3b7dfd", "observedAt": "2026-10-24T12:44:00.223Z", "source": { "sourceId": "policywatcher-change-2eb47239-1f48-47c7-a109-ed8efb3b7dfd", "title": "TikTok: Privacy Policy", "url": "https://policywatcher.online/change/2eb47239-1f48-47c7-a109-ed8efb3b7dfd", "publisher": "PolicyWatcher", "checkedAt": "2026-10-24T12:44:00.223Z" }, "summary": "TikTok updated its UK privacy policy regarding ad personalization and choices, taking effect in November 2026.", "changeType": "unknown", "subjects": [ "tiktok", "privacy", "Privacy Policy" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "2eb47239-1f48-47c7-a109-ed8efb3b7dfd", "eventType": "policy.change.published", "company": { "id": "db74e904-0a7d-4a0c-a18f-a8270bf3f498", "name": "TikTok", "slug": "tiktok", "industry": "Social Media" }, "policy": { "id": "ba9a6eba-2f2e-4b30-8a92-04f7743f0d65", "name": "Privacy Policy", "type": "privacy", "jurisdiction": "EU" }, "screening": { "overallRisk": "Medium", "overallScore": 5, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/2eb47239-1f48-47c7-a109-ed8efb3b7dfd", "evidence": "https://policywatcher.online/evidence/2eb47239-1f48-47c7-a109-ed8efb3b7dfd", "evidenceJson": "https://policywatcher.online/api/evidence-packet/2eb47239-1f48-47c7-a109-ed8efb3b7dfd?format=json" } } } } }, { "signalId": "signal-policywatcher-2f0b054a-9ea4-45fc-bed4-8a5dda769caf", "changeId": "2f0b054a-9ea4-45fc-bed4-8a5dda769caf", "signalDigest": "24eb5505742334d0eafed9b53a2597932aa9b1f4b0706e947c928ed6ed66c446", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-2f0b054a-9ea4-45fc-bed4-8a5dda769caf", "observedAt": "2026-07-24T20:57:08.679Z", "source": { "sourceId": "policywatcher-change-2f0b054a-9ea4-45fc-bed4-8a5dda769caf", "title": "Google: Privacy Policy", "url": "https://policywatcher.online/change/2f0b054a-9ea4-45fc-bed4-8a5dda769caf", "publisher": "PolicyWatcher", "checkedAt": "2026-07-24T20:57:08.679Z" }, "summary": "Google's Privacy Policy remains largely unchanged in content, with new table of contents entries suggesting future clarity on data transfers and partners.", "changeType": "unknown", "subjects": [ "google", "privacy", "Privacy Policy" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "2f0b054a-9ea4-45fc-bed4-8a5dda769caf", "eventType": "policy.change.published", "company": { "id": "3e20dca5-ce3f-4e7e-930c-7aa4753a789d", "name": "Google", "slug": "google", "industry": "Tech Giant" }, "policy": { "id": "c287880a-4512-4dc0-a8bd-cdf7d4f33e15", "name": "Privacy Policy", "type": "privacy", "jurisdiction": "Global" }, "screening": { "overallRisk": "Medium", "overallScore": 6, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/2f0b054a-9ea4-45fc-bed4-8a5dda769caf", "evidence": "https://policywatcher.online/evidence/2f0b054a-9ea4-45fc-bed4-8a5dda769caf", "evidenceJson": "https://policywatcher.online/api/evidence-packet/2f0b054a-9ea4-45fc-bed4-8a5dda769caf?format=json" } } } } }, { "signalId": "signal-policywatcher-322d5b66-a58e-485c-a367-487528a80f44", "changeId": "322d5b66-a58e-485c-a367-487528a80f44", "signalDigest": "98107e4bd5345115a961c0c62e038d55f48a66168df4fdd3a49a7137484c2d02", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-06T05:17:53.761Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-322d5b66-a58e-485c-a367-487528a80f44", "observedAt": "2026-09-23T17:17:22.460Z", "source": { "sourceId": "policywatcher-change-322d5b66-a58e-485c-a367-487528a80f44", "title": "Microsoft: Privacy Statement", "url": "https://policywatcher.online/change/322d5b66-a58e-485c-a367-487528a80f44", "publisher": "PolicyWatcher", "checkedAt": "2026-09-23T17:17:22.460Z" }, "summary": "The updated Microsoft Privacy Statement expands data collection for device usage and reduces transparency on marketing data use, raising privacy concerns.", "changeType": "unknown", "subjects": [ "microsoft", "privacy", "Privacy Statement" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "322d5b66-a58e-485c-a367-487528a80f44", "eventType": "policy.change.published", "company": { "id": "9bffb74f-0f91-46a9-a635-74b5e91623e1", "name": "Microsoft", "slug": "microsoft", "industry": "Tech Giant" }, "policy": { "id": "5681de09-ab08-4131-9922-34b96d28db2d", "name": "Privacy Statement", "type": "privacy", "jurisdiction": "Global" }, "screening": { "overallRisk": "Medium", "overallScore": 4, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/322d5b66-a58e-485c-a367-487528a80f44", "evidence": "https://policywatcher.online/evidence/322d5b66-a58e-485c-a367-487528a80f44", "evidenceJson": "https://policywatcher.online/api/evidence-packet/322d5b66-a58e-485c-a367-487528a80f44?format=json" } } } } }, { "signalId": "signal-policywatcher-3498c155-1644-4939-8c9b-2460a75b5778", "changeId": "3498c155-1644-4939-8c9b-2460a75b5778", "signalDigest": "141d1d659fdc400c74529db00e3301049aa868493e125752332daa4612b27a35", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-3498c155-1644-4939-8c9b-2460a75b5778", "observedAt": "2026-07-28T22:40:42.898Z", "source": { "sourceId": "policywatcher-change-3498c155-1644-4939-8c9b-2460a75b5778", "title": "Meta: Privacy Policy", "url": "https://policywatcher.online/change/3498c155-1644-4939-8c9b-2460a75b5778", "publisher": "PolicyWatcher", "checkedAt": "2026-07-28T22:40:42.898Z" }, "summary": "Meta's policy update makes it clearer that your interactions and messages with their AI features are collected and used to improve their AI.", "changeType": "unknown", "subjects": [ "meta", "privacy", "Privacy Policy" ], "jurisdictions": [ "US" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. 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PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "36648bad-1292-4f57-8b69-47df3f84c652", "eventType": "policy.change.published", "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" }, "screening": { "overallRisk": "Medium", "overallScore": 6, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/36648bad-1292-4f57-8b69-47df3f84c652", "evidence": "https://policywatcher.online/evidence/36648bad-1292-4f57-8b69-47df3f84c652", "evidenceJson": "https://policywatcher.online/api/evidence-packet/36648bad-1292-4f57-8b69-47df3f84c652?format=json" } } } } }, { "signalId": "signal-policywatcher-36ec1a14-399c-4961-b2f1-aeb51e8b0b92", "changeId": "36ec1a14-399c-4961-b2f1-aeb51e8b0b92", "signalDigest": "3094adfbb722176153c13a1f0e99f1a1f0e52cb2a6bf8dc640cab8cd515c6550", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-09T09:15:31.682Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-36ec1a14-399c-4961-b2f1-aeb51e8b0b92", "observedAt": "2026-10-09T02:45:00.107Z", "source": { "sourceId": "policywatcher-change-36ec1a14-399c-4961-b2f1-aeb51e8b0b92", "title": "OpenAI: Privacy Policy", "url": "https://policywatcher.online/change/36ec1a14-399c-4961-b2f1-aeb51e8b0b92", "publisher": "PolicyWatcher", "checkedAt": "2026-10-09T02:45:00.107Z" }, "summary": "No changes were detected in the updated policy, maintaining existing data collection, usage, and sharing practices with user opt-out options.", "changeType": "unknown", "subjects": [ "openai", "privacy", "Privacy Policy" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "36ec1a14-399c-4961-b2f1-aeb51e8b0b92", "eventType": "policy.change.published", "company": { "id": "2c5bac29-0643-4196-be90-4b5b2767b6ed", "name": "OpenAI", "slug": "openai", "industry": "AI Provider" }, "policy": { "id": "038bc0ee-ddf2-4161-af89-c6c0ec036b3f", "name": "Privacy Policy", "type": "privacy", "jurisdiction": "Global" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/36ec1a14-399c-4961-b2f1-aeb51e8b0b92", "evidence": "https://policywatcher.online/evidence/36ec1a14-399c-4961-b2f1-aeb51e8b0b92", "evidenceJson": "https://policywatcher.online/api/evidence-packet/36ec1a14-399c-4961-b2f1-aeb51e8b0b92?format=json" } } } } }, { "signalId": "signal-policywatcher-3a1a0bf1-d724-415b-91bb-85c94f929d1e", "changeId": "3a1a0bf1-d724-415b-91bb-85c94f929d1e", "signalDigest": "0b4c8c35b74eccf1e09b91c9aab919e4b8c53eb5926366c2b159e4934f326d8a", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-06T05:17:53.761Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-3a1a0bf1-d724-415b-91bb-85c94f929d1e", "observedAt": "2026-10-01T19:55:02.539Z", "source": { "sourceId": "policywatcher-change-3a1a0bf1-d724-415b-91bb-85c94f929d1e", "title": "PayPal: Privacy Statement", "url": "https://policywatcher.online/change/3a1a0bf1-d724-415b-91bb-85c94f929d1e", "publisher": "PolicyWatcher", "checkedAt": "2026-10-01T19:55:02.539Z" }, "summary": "PayPal's updated policy expands data collection from non-account holders and introduces new services involving broader third-party data sharing, increasing privacy risk.", "changeType": "unknown", "subjects": [ "paypal", "privacy", "Privacy Statement" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "3a1a0bf1-d724-415b-91bb-85c94f929d1e", "eventType": "policy.change.published", "company": { "id": "c0caa75b-cc98-45c5-9b6b-198af2014025", "name": "PayPal", "slug": "paypal", "industry": "FinTech" }, "policy": { "id": "c28fb784-5012-4696-8c70-505d4185972a", "name": "Privacy Statement", "type": "privacy", "jurisdiction": "EU" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/3a1a0bf1-d724-415b-91bb-85c94f929d1e", "evidence": "https://policywatcher.online/evidence/3a1a0bf1-d724-415b-91bb-85c94f929d1e", "evidenceJson": "https://policywatcher.online/api/evidence-packet/3a1a0bf1-d724-415b-91bb-85c94f929d1e?format=json" } } } } }, { "signalId": "signal-policywatcher-3b7777e3-cc17-4498-a1ec-e6e1256ffb17", "changeId": "3b7777e3-cc17-4498-a1ec-e6e1256ffb17", "signalDigest": "bbdbfc3a1499fb4653acd2f81e901c116eb988a21f9e34a37c38d005bc4bc37f", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-14T07:43:39.674Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-3b7777e3-cc17-4498-a1ec-e6e1256ffb17", "observedAt": "2026-10-14T03:40:46.679Z", "source": { "sourceId": "policywatcher-change-3b7777e3-cc17-4498-a1ec-e6e1256ffb17", "title": "Google: Privacy Policy", "url": "https://policywatcher.online/change/3b7777e3-cc17-4498-a1ec-e6e1256ffb17", "publisher": "PolicyWatcher", "checkedAt": "2026-10-14T03:40:46.679Z" }, "summary": "Google's updated policy clarifies it collects data from your devices even when you're not logged in, using unique identifiers for personalization.", "changeType": "unknown", "subjects": [ "google", "privacy", "Privacy Policy" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. 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PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "3c6dfbb5-a0fa-4edb-81b0-62bb9203baa0", "eventType": "policy.change.published", "company": { "id": "abeee5e5-6930-4e28-995a-552c200bc853", "name": "X (Twitter)", "slug": "x-twitter", "industry": "Social Media" }, "policy": { "id": "f2b77af5-3705-4573-94a5-10153d76e7f5", "name": "Terms of Service", "type": "terms", "jurisdiction": "Global" }, "screening": { "overallRisk": "High", "overallScore": 8, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/3c6dfbb5-a0fa-4edb-81b0-62bb9203baa0", "evidence": "https://policywatcher.online/evidence/3c6dfbb5-a0fa-4edb-81b0-62bb9203baa0", "evidenceJson": "https://policywatcher.online/api/evidence-packet/3c6dfbb5-a0fa-4edb-81b0-62bb9203baa0?format=json" } } } } }, { "signalId": "signal-policywatcher-3da8fec6-fc2d-4e26-8901-ca7e27ab6572", "changeId": "3da8fec6-fc2d-4e26-8901-ca7e27ab6572", "signalDigest": "d1d7d9e64c4c0be15b4fec4c6382958b42dfee15d4360bf01e8233bcb1820eb4", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-06T05:17:53.761Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-3da8fec6-fc2d-4e26-8901-ca7e27ab6572", "observedAt": "2026-09-23T17:22:15.560Z", "source": { "sourceId": "policywatcher-change-3da8fec6-fc2d-4e26-8901-ca7e27ab6572", "title": "Klarna: Privacy Notice", "url": "https://policywatcher.online/change/3da8fec6-fc2d-4e26-8901-ca7e27ab6572", "publisher": "PolicyWatcher", "checkedAt": "2026-09-23T17:22:15.560Z" }, "summary": "Klarna's Privacy Notice update clarifies that it collects data from external bank accounts, improving transparency without adding new data types.", "changeType": "unknown", "subjects": [ "klarna", "privacy", "Privacy Notice" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "3da8fec6-fc2d-4e26-8901-ca7e27ab6572", "eventType": "policy.change.published", "company": { "id": "fc0a9a77-eb4b-432a-8229-00185c53d30e", "name": "Klarna", "slug": "klarna", "industry": "FinTech" }, "policy": { "id": "0fed73f4-ac93-4699-9d66-dd65ab6780cc", "name": "Privacy Notice", "type": "privacy", "jurisdiction": "EU" }, "screening": { "overallRisk": "Medium", "overallScore": 6, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/3da8fec6-fc2d-4e26-8901-ca7e27ab6572", "evidence": "https://policywatcher.online/evidence/3da8fec6-fc2d-4e26-8901-ca7e27ab6572", "evidenceJson": "https://policywatcher.online/api/evidence-packet/3da8fec6-fc2d-4e26-8901-ca7e27ab6572?format=json" } } } } }, { "signalId": "signal-policywatcher-3f664da1-706b-446a-8c0a-1902a7a06274", "changeId": "3f664da1-706b-446a-8c0a-1902a7a06274", "signalDigest": "83c5b844a1ebb309a87ff45fb8b2bc902bb9511cad5f3dd1f7f706e13e320401", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-06T05:17:53.761Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-3f664da1-706b-446a-8c0a-1902a7a06274", "observedAt": "2026-09-23T17:18:39.500Z", "source": { "sourceId": "policywatcher-change-3f664da1-706b-446a-8c0a-1902a7a06274", "title": "Revolut: Privacy Policy", "url": "https://policywatcher.online/change/3f664da1-706b-446a-8c0a-1902a7a06274", "publisher": "PolicyWatcher", "checkedAt": "2026-09-23T17:18:39.500Z" }, "summary": "No changes were detected between the old and new versions of Revolut's Privacy Policy, which will become effective on March 17, 2026.", "changeType": "unknown", "subjects": [ "revolut", "privacy", "Privacy Policy" ], "jurisdictions": [ "UK" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "3f664da1-706b-446a-8c0a-1902a7a06274", "eventType": "policy.change.published", "company": { "id": "142fa44a-8249-4358-b365-5e2fe4e375ef", "name": "Revolut", "slug": "revolut", "industry": "FinTech" }, "policy": { "id": "3b2b7720-1fed-44e0-9b23-56ed241de9dd", "name": "Privacy Policy", "type": "privacy", "jurisdiction": "UK" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/3f664da1-706b-446a-8c0a-1902a7a06274", "evidence": "https://policywatcher.online/evidence/3f664da1-706b-446a-8c0a-1902a7a06274", "evidenceJson": "https://policywatcher.online/api/evidence-packet/3f664da1-706b-446a-8c0a-1902a7a06274?format=json" } } } } }, { "signalId": "signal-policywatcher-449c973d-b19b-4d7c-976b-ffcb63bf0665", "changeId": "449c973d-b19b-4d7c-976b-ffcb63bf0665", "signalDigest": "d82e6477e33d6d979ad7f6fcdfd6817ca073399433cf678ba29c4f88679c8098", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-449c973d-b19b-4d7c-976b-ffcb63bf0665", "observedAt": "2026-07-06T22:10:09.404Z", "source": { "sourceId": "policywatcher-change-449c973d-b19b-4d7c-976b-ffcb63bf0665", "title": "Plaid: Privacy Policy", "url": "https://policywatcher.online/change/449c973d-b19b-4d7c-976b-ffcb63bf0665", "publisher": "PolicyWatcher", "checkedAt": "2026-07-06T22:10:09.404Z" }, "summary": "Plaid collects extensive personal and financial data, uses it for AI training, and shares it broadly, but offers a portal for some user control.", "changeType": "unknown", "subjects": [ "plaid", "privacy", "Privacy Policy" ], "jurisdictions": [ "US" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "449c973d-b19b-4d7c-976b-ffcb63bf0665", "eventType": "policy.change.published", "company": { "id": "51f8db0f-3aef-472e-91d7-da30b3ceec4d", "name": "Plaid", "slug": "plaid", "industry": "FinTech" }, "policy": { "id": "ff752150-58b8-4675-b2c6-2fa37e5a66cb", "name": "Privacy Policy", "type": "privacy", "jurisdiction": "US" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/449c973d-b19b-4d7c-976b-ffcb63bf0665", "evidence": "https://policywatcher.online/evidence/449c973d-b19b-4d7c-976b-ffcb63bf0665", "evidenceJson": "https://policywatcher.online/api/evidence-packet/449c973d-b19b-4d7c-976b-ffcb63bf0665?format=json" } } } } }, { "signalId": "signal-policywatcher-46e33448-2d8e-4346-86d9-2a11d0c85145", "changeId": "46e33448-2d8e-4346-86d9-2a11d0c85145", "signalDigest": "05555a7e2dd68e2b92f64a1ba5c4d184b0a93d98e2206daffac0134bcf6bcdc9", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-06T05:17:53.761Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-46e33448-2d8e-4346-86d9-2a11d0c85145", "observedAt": "2026-10-01T19:54:31.812Z", "source": { "sourceId": "policywatcher-change-46e33448-2d8e-4346-86d9-2a11d0c85145", "title": "Klarna: Privacy Notice", "url": "https://policywatcher.online/change/46e33448-2d8e-4346-86d9-2a11d0c85145", "publisher": "PolicyWatcher", "checkedAt": "2026-10-01T19:54:31.812Z" }, "summary": "Klarna's updated policy expands data sharing and removes a key privacy assurance for Travel eSIM internet browsing data, increasing user risk.", "changeType": "unknown", "subjects": [ "klarna", "privacy", "Privacy Notice" ], "jurisdictions": [ "US" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "46e33448-2d8e-4346-86d9-2a11d0c85145", "eventType": "policy.change.published", "company": { "id": "fc0a9a77-eb4b-432a-8229-00185c53d30e", "name": "Klarna", "slug": "klarna", "industry": "FinTech" }, "policy": { "id": "6b03f215-97db-4a24-b92a-22ef3e11fea5", "name": "Privacy Notice", "type": "privacy", "jurisdiction": "US" }, "screening": { "overallRisk": "High", "overallScore": 8, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/46e33448-2d8e-4346-86d9-2a11d0c85145", "evidence": "https://policywatcher.online/evidence/46e33448-2d8e-4346-86d9-2a11d0c85145", "evidenceJson": "https://policywatcher.online/api/evidence-packet/46e33448-2d8e-4346-86d9-2a11d0c85145?format=json" } } } } }, { "signalId": "signal-policywatcher-472a92ae-24a8-4d9c-a47b-66f043669f57", "changeId": "472a92ae-24a8-4d9c-a47b-66f043669f57", "signalDigest": "29897106628e2785cfc3571c0b4632e96d811ff7170ac0d33531ef5d803040f2", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-472a92ae-24a8-4d9c-a47b-66f043669f57", "observedAt": "2026-07-07T02:34:58.026Z", "source": { "sourceId": "policywatcher-change-472a92ae-24a8-4d9c-a47b-66f043669f57", "title": "PayPal: User Agreement", "url": "https://policywatcher.online/change/472a92ae-24a8-4d9c-a47b-66f043669f57", "publisher": "PolicyWatcher", "checkedAt": "2026-07-07T02:34:58.026Z" }, "summary": "No changes were found in this PayPal User Agreement update; it continues to detail service terms, account management, and regulatory compliance for Luxembourg users.", "changeType": "unknown", "subjects": [ "paypal", "terms", "User Agreement" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. 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PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "488db3ea-38f7-4aac-9bc8-cc765f73ae86", "eventType": "policy.change.published", "company": { "id": "c0caa75b-cc98-45c5-9b6b-198af2014025", "name": "PayPal", "slug": "paypal", "industry": "FinTech" }, "policy": { "id": "c28fb784-5012-4696-8c70-505d4185972a", "name": "Privacy Statement", "type": "privacy", "jurisdiction": "EU" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/488db3ea-38f7-4aac-9bc8-cc765f73ae86", "evidence": "https://policywatcher.online/evidence/488db3ea-38f7-4aac-9bc8-cc765f73ae86", "evidenceJson": "https://policywatcher.online/api/evidence-packet/488db3ea-38f7-4aac-9bc8-cc765f73ae86?format=json" } } } } }, { "signalId": "signal-policywatcher-48d1072d-dff1-448b-af7c-8dc587906e03", "changeId": "48d1072d-dff1-448b-af7c-8dc587906e03", "signalDigest": "86945958cc9f84df602b196945d89203815dd0441d8f7262131c148d8848dca0", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-24T14:37:05.137Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-48d1072d-dff1-448b-af7c-8dc587906e03", "observedAt": "2026-10-24T12:42:50.454Z", "source": { "sourceId": "policywatcher-change-48d1072d-dff1-448b-af7c-8dc587906e03", "title": "PayPal: User Agreement", "url": "https://policywatcher.online/change/48d1072d-dff1-448b-af7c-8dc587906e03", "publisher": "PolicyWatcher", "checkedAt": "2026-10-24T12:42:50.454Z" }, "summary": "The PayPal User Agreement for Luxembourg residents remains unchanged, detailing account rules, payment terms, fees, and dispute resolution processes.", "changeType": "unknown", "subjects": [ "paypal", "terms", "User Agreement" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "48d1072d-dff1-448b-af7c-8dc587906e03", "eventType": "policy.change.published", "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" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/48d1072d-dff1-448b-af7c-8dc587906e03", "evidence": "https://policywatcher.online/evidence/48d1072d-dff1-448b-af7c-8dc587906e03", "evidenceJson": "https://policywatcher.online/api/evidence-packet/48d1072d-dff1-448b-af7c-8dc587906e03?format=json" } } } } }, { "signalId": "signal-policywatcher-494ffd08-1c2e-43ae-b332-5d4b316fbaa2", "changeId": "494ffd08-1c2e-43ae-b332-5d4b316fbaa2", "signalDigest": "2361f49c715e1b3fc78f63c6c255208fac216a7a8fea74665ef892a31e50d22b", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-494ffd08-1c2e-43ae-b332-5d4b316fbaa2", "observedAt": "2026-08-01T04:33:29.464Z", "source": { "sourceId": "policywatcher-change-494ffd08-1c2e-43ae-b332-5d4b316fbaa2", "title": "Microsoft: Privacy Statement", "url": "https://policywatcher.online/change/494ffd08-1c2e-43ae-b332-5d4b316fbaa2", "publisher": "PolicyWatcher", "checkedAt": "2026-08-01T04:33:29.464Z" }, "summary": "The updated policy now explicitly allows sharing your age group information with third-party apps, increasing data sharing and potential privacy risks.", "changeType": "unknown", "subjects": [ "microsoft", "privacy", "Privacy Statement" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. 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PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "4961a031-d13e-4e25-b878-22fe5e890e52", "eventType": "policy.change.published", "company": { "id": "149c83d1-89a6-43b9-ade7-bd33a1cada68", "name": "Stripe", "slug": "stripe", "industry": "FinTech" }, "policy": { "id": "775c0c08-14f0-4e3f-b3e0-293dc8a4965c", "name": "Services Agreement", "type": "terms", "jurisdiction": "EU" }, "screening": { "overallRisk": "High", "overallScore": 8, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/4961a031-d13e-4e25-b878-22fe5e890e52", "evidence": "https://policywatcher.online/evidence/4961a031-d13e-4e25-b878-22fe5e890e52", "evidenceJson": "https://policywatcher.online/api/evidence-packet/4961a031-d13e-4e25-b878-22fe5e890e52?format=json" } } } } }, { "signalId": "signal-policywatcher-49f0fd14-1e9d-4a0f-b9f2-5c8f92147544", "changeId": "49f0fd14-1e9d-4a0f-b9f2-5c8f92147544", "signalDigest": "22c1653bc0fba7309efe5687f696a7e7beb90e4b51c08cfe39636d59bb3a2003", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-18T11:16:55.639Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-49f0fd14-1e9d-4a0f-b9f2-5c8f92147544", "observedAt": "2026-10-18T07:41:59.373Z", "source": { "sourceId": "policywatcher-change-49f0fd14-1e9d-4a0f-b9f2-5c8f92147544", "title": "Google: Privacy Policy", "url": "https://policywatcher.online/change/49f0fd14-1e9d-4a0f-b9f2-5c8f92147544", "publisher": "PolicyWatcher", "checkedAt": "2026-10-18T07:41:59.373Z" }, "summary": "Google's updated policy allows users to opt-in to share data across services like Gmail and Drive for personalized content and ads, a shift from previous restrictions.", "changeType": "unknown", "subjects": [ "google", "privacy", "Privacy Policy" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "49f0fd14-1e9d-4a0f-b9f2-5c8f92147544", "eventType": "policy.change.published", "company": { "id": "3e20dca5-ce3f-4e7e-930c-7aa4753a789d", "name": "Google", "slug": "google", "industry": "Tech Giant" }, "policy": { "id": "4b255c8b-197c-4046-b848-bce7e1485583", "name": "Privacy Policy", "type": "privacy", "jurisdiction": "EU" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/49f0fd14-1e9d-4a0f-b9f2-5c8f92147544", "evidence": "https://policywatcher.online/evidence/49f0fd14-1e9d-4a0f-b9f2-5c8f92147544", "evidenceJson": "https://policywatcher.online/api/evidence-packet/49f0fd14-1e9d-4a0f-b9f2-5c8f92147544?format=json" } } } } }, { "signalId": "signal-policywatcher-4c6bd434-f4fd-41eb-b4b2-f4cf1be389e9", "changeId": "4c6bd434-f4fd-41eb-b4b2-f4cf1be389e9", "signalDigest": "7de9518ab3e360064114619011e8f8df04b19cfe1aba0c836c49d0dcfb13898f", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-21T13:53:03.492Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-4c6bd434-f4fd-41eb-b4b2-f4cf1be389e9", "observedAt": "2026-10-21T10:40:15.364Z", "source": { "sourceId": "policywatcher-change-4c6bd434-f4fd-41eb-b4b2-f4cf1be389e9", "title": "Klarna: Klarna Balance Agreement", "url": "https://policywatcher.online/change/4c6bd434-f4fd-41eb-b4b2-f4cf1be389e9", "publisher": "PolicyWatcher", "checkedAt": "2026-10-21T10:40:15.364Z" }, "summary": "Klarna rebranded its 'Klarna balance' to 'Klarna Personal Cashback account' with no significant changes to user rights or obligations in this agreement.", "changeType": "unknown", "subjects": [ "klarna", "terms", "Klarna Balance Agreement" ], "jurisdictions": [ "US" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "4c6bd434-f4fd-41eb-b4b2-f4cf1be389e9", "eventType": "policy.change.published", "company": { "id": "fc0a9a77-eb4b-432a-8229-00185c53d30e", "name": "Klarna", "slug": "klarna", "industry": "FinTech" }, "policy": { "id": "e687d4ad-423e-4073-a236-362ca0e2c121", "name": "Klarna Balance Agreement", "type": "terms", "jurisdiction": "US" }, "screening": { "overallRisk": "Medium", "overallScore": 6, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/4c6bd434-f4fd-41eb-b4b2-f4cf1be389e9", "evidence": "https://policywatcher.online/evidence/4c6bd434-f4fd-41eb-b4b2-f4cf1be389e9", "evidenceJson": "https://policywatcher.online/api/evidence-packet/4c6bd434-f4fd-41eb-b4b2-f4cf1be389e9?format=json" } } } } }, { "signalId": "signal-policywatcher-4c70bff8-3855-4820-99c0-60218f3c7375", "changeId": "4c70bff8-3855-4820-99c0-60218f3c7375", "signalDigest": "55b47a1f776b0dc724989b6e771e5e549c86f0592b6253596df7d4f49a40637d", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-4c70bff8-3855-4820-99c0-60218f3c7375", "observedAt": "2026-07-19T03:56:44.045Z", "source": { "sourceId": "policywatcher-change-4c70bff8-3855-4820-99c0-60218f3c7375", "title": "Klarna: Terms of Service", "url": "https://policywatcher.online/change/4c70bff8-3855-4820-99c0-60218f3c7375", "publisher": "PolicyWatcher", "checkedAt": "2026-07-19T03:56:44.045Z" }, "summary": "Klarna's updated terms now explicitly include \"Your right of withdrawal,\" improving consumer clarity on cancellation rights without other major policy changes.", "changeType": "unknown", "subjects": [ "klarna", "terms", "Terms of Service" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "4c70bff8-3855-4820-99c0-60218f3c7375", "eventType": "policy.change.published", "company": { "id": "fc0a9a77-eb4b-432a-8229-00185c53d30e", "name": "Klarna", "slug": "klarna", "industry": "FinTech" }, "policy": { "id": "f0281764-cc55-4db9-b9ed-d6f6ab9811fb", "name": "Terms of Service", "type": "terms", "jurisdiction": "EU" }, "screening": { "overallRisk": "Medium", "overallScore": 5, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/4c70bff8-3855-4820-99c0-60218f3c7375", "evidence": "https://policywatcher.online/evidence/4c70bff8-3855-4820-99c0-60218f3c7375", "evidenceJson": "https://policywatcher.online/api/evidence-packet/4c70bff8-3855-4820-99c0-60218f3c7375?format=json" } } } } }, { "signalId": "signal-policywatcher-4e8ed932-090d-4a02-8304-22144bfdbff5", "changeId": "4e8ed932-090d-4a02-8304-22144bfdbff5", "signalDigest": "4e91295aad8b85dc5ff72ae9192fa98f7561efc2c3c170c129a329322db9539f", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-4e8ed932-090d-4a02-8304-22144bfdbff5", "observedAt": "2026-07-28T22:39:04.153Z", "source": { "sourceId": "policywatcher-change-4e8ed932-090d-4a02-8304-22144bfdbff5", "title": "OpenAI: Terms of Use", "url": "https://policywatcher.online/change/4e8ed932-090d-4a02-8304-22144bfdbff5", "publisher": "PolicyWatcher", "checkedAt": "2026-07-28T22:39:04.153Z" }, "summary": "You own your AI output and can opt-out of training, but corporate email use risks employer access and you must verify AI accuracy.", "changeType": "unknown", "subjects": [ "openai", "terms", "Terms of Use" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "4e8ed932-090d-4a02-8304-22144bfdbff5", "eventType": "policy.change.published", "company": { "id": "2c5bac29-0643-4196-be90-4b5b2767b6ed", "name": "OpenAI", "slug": "openai", "industry": "AI Provider" }, "policy": { "id": "a07a13f2-ae2b-4eef-907b-8b9ca5217872", "name": "Terms of Use", "type": "terms", "jurisdiction": "Global" }, "screening": { "overallRisk": "Medium", "overallScore": 6, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/4e8ed932-090d-4a02-8304-22144bfdbff5", "evidence": "https://policywatcher.online/evidence/4e8ed932-090d-4a02-8304-22144bfdbff5", "evidenceJson": "https://policywatcher.online/api/evidence-packet/4e8ed932-090d-4a02-8304-22144bfdbff5?format=json" } } } } }, { "signalId": "signal-policywatcher-4ee896c8-0630-4d8f-b571-78aae3c51db3", "changeId": "4ee896c8-0630-4d8f-b571-78aae3c51db3", "signalDigest": "f22caee0296bda0e731ebf42b7775bb0845e74359feb93f2e67f2e252f48237b", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-23T13:31:55.564Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-4ee896c8-0630-4d8f-b571-78aae3c51db3", "observedAt": "2026-10-23T11:44:36.556Z", "source": { "sourceId": "policywatcher-change-4ee896c8-0630-4d8f-b571-78aae3c51db3", "title": "Wise: Privacy Policy", "url": "https://policywatcher.online/change/4ee896c8-0630-4d8f-b571-78aae3c51db3", "publisher": "PolicyWatcher", "checkedAt": "2026-10-23T11:44:36.556Z" }, "summary": "Wise's Privacy Policy remains unchanged, detailing extensive data collection, AI use, and global sharing practices with regional rights.", "changeType": "unknown", "subjects": [ "wise", "privacy", "Privacy Policy" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "4ee896c8-0630-4d8f-b571-78aae3c51db3", "eventType": "policy.change.published", "company": { "id": "eaf6c865-63a3-4c4f-bd2b-00eb6d0071d5", "name": "Wise", "slug": "wise", "industry": "FinTech" }, "policy": { "id": "3e616451-ba60-46e6-9634-d5925da2d56a", "name": "Privacy Policy", "type": "privacy", "jurisdiction": "Global" }, "screening": { "overallRisk": "Medium", "overallScore": 6, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/4ee896c8-0630-4d8f-b571-78aae3c51db3", "evidence": "https://policywatcher.online/evidence/4ee896c8-0630-4d8f-b571-78aae3c51db3", "evidenceJson": "https://policywatcher.online/api/evidence-packet/4ee896c8-0630-4d8f-b571-78aae3c51db3?format=json" } } } } }, { "signalId": "signal-policywatcher-51f2b3f2-6628-48c3-b4d1-be840ce4a0a6", "changeId": "51f2b3f2-6628-48c3-b4d1-be840ce4a0a6", "signalDigest": "c261d8d6a4704085ccbac62e23639153293bf6bd3bfdf39f7c991b32d4d76c24", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-51f2b3f2-6628-48c3-b4d1-be840ce4a0a6", "observedAt": "2026-08-06T03:50:43.546Z", "source": { "sourceId": "policywatcher-change-51f2b3f2-6628-48c3-b4d1-be840ce4a0a6", "title": "PayPal: Privacy Statement", "url": "https://policywatcher.online/change/51f2b3f2-6628-48c3-b4d1-be840ce4a0a6", "publisher": "PolicyWatcher", "checkedAt": "2026-08-06T03:50:43.546Z" }, "summary": "No changes were found in the PayPal Privacy Statement, which details extensive data collection, AI training, and broad sharing, with some user controls.", "changeType": "unknown", "subjects": [ "paypal", "privacy", "Privacy Statement" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "51f2b3f2-6628-48c3-b4d1-be840ce4a0a6", "eventType": "policy.change.published", "company": { "id": "c0caa75b-cc98-45c5-9b6b-198af2014025", "name": "PayPal", "slug": "paypal", "industry": "FinTech" }, "policy": { "id": "c28fb784-5012-4696-8c70-505d4185972a", "name": "Privacy Statement", "type": "privacy", "jurisdiction": "EU" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/51f2b3f2-6628-48c3-b4d1-be840ce4a0a6", "evidence": "https://policywatcher.online/evidence/51f2b3f2-6628-48c3-b4d1-be840ce4a0a6", "evidenceJson": "https://policywatcher.online/api/evidence-packet/51f2b3f2-6628-48c3-b4d1-be840ce4a0a6?format=json" } } } } }, { "signalId": "signal-policywatcher-52528494-9dc1-47d6-85b0-cd445dc3572a", "changeId": "52528494-9dc1-47d6-85b0-cd445dc3572a", "signalDigest": "785113d0558f5828ae87f83e9f4ef7c4f6c745ffe0412d7073b6f9ce8a43f5b3", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-23T13:31:55.564Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-52528494-9dc1-47d6-85b0-cd445dc3572a", "observedAt": "2026-10-23T11:44:00.377Z", "source": { "sourceId": "policywatcher-change-52528494-9dc1-47d6-85b0-cd445dc3572a", "title": "Wise: Privacy Policy", "url": "https://policywatcher.online/change/52528494-9dc1-47d6-85b0-cd445dc3572a", "publisher": "PolicyWatcher", "checkedAt": "2026-10-23T11:44:00.377Z" }, "summary": "The Wise Privacy Policy remains unchanged, with no new privacy implications for users or businesses.", "changeType": "unknown", "subjects": [ "wise", "privacy", "Privacy Policy" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "52528494-9dc1-47d6-85b0-cd445dc3572a", "eventType": "policy.change.published", "company": { "id": "eaf6c865-63a3-4c4f-bd2b-00eb6d0071d5", "name": "Wise", "slug": "wise", "industry": "FinTech" }, "policy": { "id": "6e4db68c-6998-43dd-83ba-08eeab76e7f9", "name": "Privacy Policy", "type": "privacy", "jurisdiction": "EU" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/52528494-9dc1-47d6-85b0-cd445dc3572a", "evidence": "https://policywatcher.online/evidence/52528494-9dc1-47d6-85b0-cd445dc3572a", "evidenceJson": "https://policywatcher.online/api/evidence-packet/52528494-9dc1-47d6-85b0-cd445dc3572a?format=json" } } } } }, { "signalId": "signal-policywatcher-57d20bfa-ebeb-487e-993f-65bf9da6c85d", "changeId": "57d20bfa-ebeb-487e-993f-65bf9da6c85d", "signalDigest": "39d09ddea518d35150a4db360024018e4fd9a5b4400660be318b8d1899eb86a0", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-22T18:35:40.238Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-57d20bfa-ebeb-487e-993f-65bf9da6c85d", "observedAt": "2026-10-22T11:40:40.709Z", "source": { "sourceId": "policywatcher-change-57d20bfa-ebeb-487e-993f-65bf9da6c85d", "title": "Anthropic: Commercial Terms", "url": "https://policywatcher.online/change/57d20bfa-ebeb-487e-993f-65bf9da6c85d", "publisher": "PolicyWatcher", "checkedAt": "2026-10-22T11:40:40.709Z" }, "summary": "Anthropic updated its commercial terms with formatting headers, keeping data ownership and anti-training protections unchanged.", "changeType": "unknown", "subjects": [ "anthropic", "terms", "Commercial Terms" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "57d20bfa-ebeb-487e-993f-65bf9da6c85d", "eventType": "policy.change.published", "company": { "id": "83da1ad9-8891-4372-a9db-bdf82c894d2a", "name": "Anthropic", "slug": "anthropic", "industry": "Tech Giant" }, "policy": { "id": "410cbce9-6b57-411e-8da9-44993c172044", "name": "Commercial Terms", "type": "terms", "jurisdiction": "Global" }, "screening": { "overallRisk": "Low", "overallScore": 2, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/57d20bfa-ebeb-487e-993f-65bf9da6c85d", "evidence": "https://policywatcher.online/evidence/57d20bfa-ebeb-487e-993f-65bf9da6c85d", "evidenceJson": "https://policywatcher.online/api/evidence-packet/57d20bfa-ebeb-487e-993f-65bf9da6c85d?format=json" } } } } }, { "signalId": "signal-policywatcher-586c3d9a-1d5d-43dd-bb5e-ca0ef15995ea", "changeId": "586c3d9a-1d5d-43dd-bb5e-ca0ef15995ea", "signalDigest": "4be8ef3a74fb17811229df6cf328b23d9a6163681500f44569bd61c3042a9864", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-586c3d9a-1d5d-43dd-bb5e-ca0ef15995ea", "observedAt": "2026-08-01T04:37:05.403Z", "source": { "sourceId": "policywatcher-change-586c3d9a-1d5d-43dd-bb5e-ca0ef15995ea", "title": "PayPal: Privacy Statement", "url": "https://policywatcher.online/change/586c3d9a-1d5d-43dd-bb5e-ca0ef15995ea", "publisher": "PolicyWatcher", "checkedAt": "2026-08-01T04:37:05.403Z" }, "summary": "The PayPal Privacy Statement remains unchanged, detailing extensive data collection, broad sharing, and AI use for training and automated decisions.", "changeType": "unknown", "subjects": [ "paypal", "privacy", "Privacy Statement" ], "jurisdictions": [ "US" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "586c3d9a-1d5d-43dd-bb5e-ca0ef15995ea", "eventType": "policy.change.published", "company": { "id": "c0caa75b-cc98-45c5-9b6b-198af2014025", "name": "PayPal", "slug": "paypal", "industry": "FinTech" }, "policy": { "id": "9e09108f-4041-4c64-8e16-88543e1b7e43", "name": "Privacy Statement", "type": "privacy", "jurisdiction": "US" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/586c3d9a-1d5d-43dd-bb5e-ca0ef15995ea", "evidence": "https://policywatcher.online/evidence/586c3d9a-1d5d-43dd-bb5e-ca0ef15995ea", "evidenceJson": "https://policywatcher.online/api/evidence-packet/586c3d9a-1d5d-43dd-bb5e-ca0ef15995ea?format=json" } } } } }, { "signalId": "signal-policywatcher-5ba2f740-f2df-442d-af42-b68f291f9bc9", "changeId": "5ba2f740-f2df-442d-af42-b68f291f9bc9", "signalDigest": "51fb9e71de6fb707311e72453efb8c00ecec2edf02d994e3cacac123029a33bb", "transportStatus": "revoked", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-06T05:17:53.761Z", "revokedAt": "2026-10-06T05:17:53.761Z", "signal": null }, { "signalId": "signal-policywatcher-5f802eed-6d0d-453b-8678-01077a1c1a2d", "changeId": "5f802eed-6d0d-453b-8678-01077a1c1a2d", "signalDigest": "5fd18bef3c0a5f62f49e8521b57f36a01495522060877304e56ee3ae2c5e6f3a", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-20T13:37:16.557Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-5f802eed-6d0d-453b-8678-01077a1c1a2d", "observedAt": "2026-10-20T09:41:40.497Z", "source": { "sourceId": "policywatcher-change-5f802eed-6d0d-453b-8678-01077a1c1a2d", "title": "PayPal: User Agreement", "url": "https://policywatcher.online/change/5f802eed-6d0d-453b-8678-01077a1c1a2d", "publisher": "PolicyWatcher", "checkedAt": "2026-10-20T09:41:40.497Z" }, "summary": "No changes were found in the PayPal User Agreement, maintaining existing terms for account management, payments, and dispute resolution.", "changeType": "unknown", "subjects": [ "paypal", "terms", "User Agreement" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "5f802eed-6d0d-453b-8678-01077a1c1a2d", "eventType": "policy.change.published", "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" }, "screening": { "overallRisk": "Medium", "overallScore": 6, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/5f802eed-6d0d-453b-8678-01077a1c1a2d", "evidence": "https://policywatcher.online/evidence/5f802eed-6d0d-453b-8678-01077a1c1a2d", "evidenceJson": "https://policywatcher.online/api/evidence-packet/5f802eed-6d0d-453b-8678-01077a1c1a2d?format=json" } } } } }, { "signalId": "signal-policywatcher-61a7ae88-69d7-4ef1-a5c8-48c71b078187", "changeId": "61a7ae88-69d7-4ef1-a5c8-48c71b078187", "signalDigest": "c204184e8c203eafb9f3f0786d07dab4226c00cbc0468a6fd757434270ab2542", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-06T05:17:53.761Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-61a7ae88-69d7-4ef1-a5c8-48c71b078187", "observedAt": "2026-10-01T19:45:01.907Z", "source": { "sourceId": "policywatcher-change-61a7ae88-69d7-4ef1-a5c8-48c71b078187", "title": "Google: Privacy Policy", "url": "https://policywatcher.online/change/61a7ae88-69d7-4ef1-a5c8-48c71b078187", "publisher": "PolicyWatcher", "checkedAt": "2026-10-01T19:45:01.907Z" }, "summary": "The Google Privacy Policy has not changed, maintaining existing data collection practices and user controls without introducing new risks.", "changeType": "unknown", "subjects": [ "google", "privacy", "Privacy Policy" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "61a7ae88-69d7-4ef1-a5c8-48c71b078187", "eventType": "policy.change.published", "company": { "id": "3e20dca5-ce3f-4e7e-930c-7aa4753a789d", "name": "Google", "slug": "google", "industry": "Tech Giant" }, "policy": { "id": "4b255c8b-197c-4046-b848-bce7e1485583", "name": "Privacy Policy", "type": "privacy", "jurisdiction": "EU" }, "screening": { "overallRisk": "Medium", "overallScore": 6, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/61a7ae88-69d7-4ef1-a5c8-48c71b078187", "evidence": "https://policywatcher.online/evidence/61a7ae88-69d7-4ef1-a5c8-48c71b078187", "evidenceJson": "https://policywatcher.online/api/evidence-packet/61a7ae88-69d7-4ef1-a5c8-48c71b078187?format=json" } } } } }, { "signalId": "signal-policywatcher-66fcf7ee-a113-43fa-bd57-4cb533e1fe0c", "changeId": "66fcf7ee-a113-43fa-bd57-4cb533e1fe0c", "signalDigest": "ef8f68d2fb5bcbe8bc78e7c951c6c04a1809cf7bcc3904413b16aef1b85d4d1a", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-66fcf7ee-a113-43fa-bd57-4cb533e1fe0c", "observedAt": "2026-07-28T22:39:45.952Z", "source": { "sourceId": "policywatcher-change-66fcf7ee-a113-43fa-bd57-4cb533e1fe0c", "title": "Zoom: Privacy Statement", "url": "https://policywatcher.online/change/66fcf7ee-a113-43fa-bd57-4cb533e1fe0c", "publisher": "PolicyWatcher", "checkedAt": "2026-07-28T22:39:45.952Z" }, "summary": "Zoom now explicitly states it will not share mobile opt-in data from text campaigns with third parties, enhancing user privacy for mobile communications.", "changeType": "unknown", "subjects": [ "zoom", "privacy", "Privacy Statement" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "66fcf7ee-a113-43fa-bd57-4cb533e1fe0c", "eventType": "policy.change.published", "company": { "id": "59438443-572b-47a4-a4ac-f0091158e154", "name": "Zoom", "slug": "zoom", "industry": "Cloud/SaaS" }, "policy": { "id": "0ec3d4b4-79d4-4e2e-8a66-60dde69a5c10", "name": "Privacy Statement", "type": "privacy", "jurisdiction": "Global" }, "screening": { "overallRisk": "Medium", "overallScore": 4, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/66fcf7ee-a113-43fa-bd57-4cb533e1fe0c", "evidence": "https://policywatcher.online/evidence/66fcf7ee-a113-43fa-bd57-4cb533e1fe0c", "evidenceJson": "https://policywatcher.online/api/evidence-packet/66fcf7ee-a113-43fa-bd57-4cb533e1fe0c?format=json" } } } } }, { "signalId": "signal-policywatcher-6851aafc-7813-4bf9-aef3-794dc09cba9f", "changeId": "6851aafc-7813-4bf9-aef3-794dc09cba9f", "signalDigest": "7d372fd34c40a077969762c2ea536a23c2a6d7e672a6f733d601d38dce9414b4", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-6851aafc-7813-4bf9-aef3-794dc09cba9f", "observedAt": "2026-07-28T22:41:06.780Z", "source": { "sourceId": "policywatcher-change-6851aafc-7813-4bf9-aef3-794dc09cba9f", "title": "Meta: Terms of Service", "url": "https://policywatcher.online/change/6851aafc-7813-4bf9-aef3-794dc09cba9f", "publisher": "PolicyWatcher", "checkedAt": "2026-07-28T22:41:06.780Z" }, "summary": "Meta's updated terms tighten rules on automated data collection, requiring compliance with new specific terms and allowing Meta to revoke access anytime.", "changeType": "unknown", "subjects": [ "meta", "terms", "Terms of Service" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "6851aafc-7813-4bf9-aef3-794dc09cba9f", "eventType": "policy.change.published", "company": { "id": "6f69e944-8b6c-4dce-8693-58804624471b", "name": "Meta", "slug": "meta", "industry": "Tech Giant" }, "policy": { "id": "959fc5a0-6e35-4088-811d-fbdd905e46e4", "name": "Terms of Service", "type": "terms", "jurisdiction": "Global" }, "screening": { "overallRisk": "Medium", "overallScore": 6, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/6851aafc-7813-4bf9-aef3-794dc09cba9f", "evidence": "https://policywatcher.online/evidence/6851aafc-7813-4bf9-aef3-794dc09cba9f", "evidenceJson": "https://policywatcher.online/api/evidence-packet/6851aafc-7813-4bf9-aef3-794dc09cba9f?format=json" } } } } }, { "signalId": "signal-policywatcher-686214a4-1396-4f81-bdd0-63a523dcf90a", "changeId": "686214a4-1396-4f81-bdd0-63a523dcf90a", "signalDigest": "8593fb924ea2d467f5c55bb38e84357f17078765e9fbf37d2fa0217decd63236", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-686214a4-1396-4f81-bdd0-63a523dcf90a", "observedAt": "2026-07-10T01:51:12.251Z", "source": { "sourceId": "policywatcher-change-686214a4-1396-4f81-bdd0-63a523dcf90a", "title": "Meta: Privacy Policy", "url": "https://policywatcher.online/change/686214a4-1396-4f81-bdd0-63a523dcf90a", "publisher": "PolicyWatcher", "checkedAt": "2026-07-10T01:51:12.251Z" }, "summary": "Meta's policy update expands AI use and legal transparency, but lacks clear user controls for AI training and content ownership, raising privacy concerns.", "changeType": "unknown", "subjects": [ "meta", "privacy", "Privacy Policy" ], "jurisdictions": [ "US" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "686214a4-1396-4f81-bdd0-63a523dcf90a", "eventType": "policy.change.published", "company": { "id": "6f69e944-8b6c-4dce-8693-58804624471b", "name": "Meta", "slug": "meta", "industry": "Tech Giant" }, "policy": { "id": "5946f95d-2fa3-4628-896a-f773d09ffbbd", "name": "Privacy Policy", "type": "privacy", "jurisdiction": "US" }, "screening": { "overallRisk": "Medium", "overallScore": 6, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/686214a4-1396-4f81-bdd0-63a523dcf90a", "evidence": "https://policywatcher.online/evidence/686214a4-1396-4f81-bdd0-63a523dcf90a", "evidenceJson": "https://policywatcher.online/api/evidence-packet/686214a4-1396-4f81-bdd0-63a523dcf90a?format=json" } } } } }, { "signalId": "signal-policywatcher-6c63cb4a-b2bd-496e-b994-7def76160bde", "changeId": "6c63cb4a-b2bd-496e-b994-7def76160bde", "signalDigest": "94605f715d3971215f6944ebf2fec0afbbfb2ada81479eb24e971c8e22e9f46c", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-6c63cb4a-b2bd-496e-b994-7def76160bde", "observedAt": "2026-07-06T22:11:16.607Z", "source": { "sourceId": "policywatcher-change-6c63cb4a-b2bd-496e-b994-7def76160bde", "title": "Meta: Privacy Policy", "url": "https://policywatcher.online/change/6c63cb4a-b2bd-496e-b994-7def76160bde", "publisher": "PolicyWatcher", "checkedAt": "2026-07-06T22:11:16.607Z" }, "summary": "Meta's updated policy explicitly links WhatsApp data to your Meta accounts, expanding internal data sharing and AI usage for personalization.", "changeType": "unknown", "subjects": [ "meta", "privacy", "Privacy Policy" ], "jurisdictions": [ "US" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "6c63cb4a-b2bd-496e-b994-7def76160bde", "eventType": "policy.change.published", "company": { "id": "6f69e944-8b6c-4dce-8693-58804624471b", "name": "Meta", "slug": "meta", "industry": "Tech Giant" }, "policy": { "id": "5946f95d-2fa3-4628-896a-f773d09ffbbd", "name": "Privacy Policy", "type": "privacy", "jurisdiction": "US" }, "screening": { "overallRisk": "High", "overallScore": 8, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/6c63cb4a-b2bd-496e-b994-7def76160bde", "evidence": "https://policywatcher.online/evidence/6c63cb4a-b2bd-496e-b994-7def76160bde", "evidenceJson": "https://policywatcher.online/api/evidence-packet/6c63cb4a-b2bd-496e-b994-7def76160bde?format=json" } } } } }, { "signalId": "signal-policywatcher-6d94c250-62ab-4f8b-88b6-03573281433f", "changeId": "6d94c250-62ab-4f8b-88b6-03573281433f", "signalDigest": "5d9b2ad35a7a2ac92187f7739b1e6739cdb6755634532ae604aaba42dddca5c8", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-6d94c250-62ab-4f8b-88b6-03573281433f", "observedAt": "2026-08-01T04:36:34.318Z", "source": { "sourceId": "policywatcher-change-6d94c250-62ab-4f8b-88b6-03573281433f", "title": "PayPal: Privacy Statement", "url": "https://policywatcher.online/change/6d94c250-62ab-4f8b-88b6-03573281433f", "publisher": "PolicyWatcher", "checkedAt": "2026-08-01T04:36:34.318Z" }, "summary": "PayPal collects extensive personal and sensitive data, uses it for AI training and automated decisions, and shares it broadly with third parties.", "changeType": "unknown", "subjects": [ "paypal", "privacy", "Privacy Statement" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "6d94c250-62ab-4f8b-88b6-03573281433f", "eventType": "policy.change.published", "company": { "id": "c0caa75b-cc98-45c5-9b6b-198af2014025", "name": "PayPal", "slug": "paypal", "industry": "FinTech" }, "policy": { "id": "c28fb784-5012-4696-8c70-505d4185972a", "name": "Privacy Statement", "type": "privacy", "jurisdiction": "EU" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/6d94c250-62ab-4f8b-88b6-03573281433f", "evidence": "https://policywatcher.online/evidence/6d94c250-62ab-4f8b-88b6-03573281433f", "evidenceJson": "https://policywatcher.online/api/evidence-packet/6d94c250-62ab-4f8b-88b6-03573281433f?format=json" } } } } }, { "signalId": "signal-policywatcher-7107f09e-0e1a-43cd-9af9-3a088d026d87", "changeId": "7107f09e-0e1a-43cd-9af9-3a088d026d87", "signalDigest": "2d38ab13fc2f87c628ae052cccd70d33e20db1d20c5b5561d562ed51df3f5082", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-7107f09e-0e1a-43cd-9af9-3a088d026d87", "observedAt": "2026-07-24T20:56:14.271Z", "source": { "sourceId": "policywatcher-change-7107f09e-0e1a-43cd-9af9-3a088d026d87", "title": "Google: AI Terms of Service", "url": "https://policywatcher.online/change/7107f09e-0e1a-43cd-9af9-3a088d026d87", "publisher": "PolicyWatcher", "checkedAt": "2026-07-24T20:56:14.271Z" }, "summary": "The Generative AI Additional Terms of Service remain unchanged, maintaining existing restrictions on AI model development and content disclaimers.", "changeType": "unknown", "subjects": [ "google", "ai", "AI Terms of Service" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "7107f09e-0e1a-43cd-9af9-3a088d026d87", "eventType": "policy.change.published", "company": { "id": "3e20dca5-ce3f-4e7e-930c-7aa4753a789d", "name": "Google", "slug": "google", "industry": "Tech Giant" }, "policy": { "id": "fef3c1a1-5802-4aac-aaf4-8ca5db60c85a", "name": "AI Terms of Service", "type": "ai", "jurisdiction": "Global" }, "screening": { "overallRisk": "Medium", "overallScore": 6, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/7107f09e-0e1a-43cd-9af9-3a088d026d87", "evidence": "https://policywatcher.online/evidence/7107f09e-0e1a-43cd-9af9-3a088d026d87", "evidenceJson": "https://policywatcher.online/api/evidence-packet/7107f09e-0e1a-43cd-9af9-3a088d026d87?format=json" } } } } }, { "signalId": "signal-policywatcher-71c0131c-38e2-4ac6-8a81-8adac2a16bc0", "changeId": "71c0131c-38e2-4ac6-8a81-8adac2a16bc0", "signalDigest": "c401bd8502dc324e30790acbbfd27828544107c443951e859c4202c33c03e112", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-06T05:17:53.761Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-71c0131c-38e2-4ac6-8a81-8adac2a16bc0", "observedAt": "2026-10-01T19:54:08.629Z", "source": { "sourceId": "policywatcher-change-71c0131c-38e2-4ac6-8a81-8adac2a16bc0", "title": "Klarna: Privacy Notice", "url": "https://policywatcher.online/change/71c0131c-38e2-4ac6-8a81-8adac2a16bc0", "publisher": "PolicyWatcher", "checkedAt": "2026-10-01T19:54:08.629Z" }, "summary": "Klarna now collects more financial details like dependents and employment status, plus device call state, increasing overall data collection.", "changeType": "unknown", "subjects": [ "klarna", "privacy", "Privacy Notice" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "71c0131c-38e2-4ac6-8a81-8adac2a16bc0", "eventType": "policy.change.published", "company": { "id": "fc0a9a77-eb4b-432a-8229-00185c53d30e", "name": "Klarna", "slug": "klarna", "industry": "FinTech" }, "policy": { "id": "0fed73f4-ac93-4699-9d66-dd65ab6780cc", "name": "Privacy Notice", "type": "privacy", "jurisdiction": "EU" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/71c0131c-38e2-4ac6-8a81-8adac2a16bc0", "evidence": "https://policywatcher.online/evidence/71c0131c-38e2-4ac6-8a81-8adac2a16bc0", "evidenceJson": "https://policywatcher.online/api/evidence-packet/71c0131c-38e2-4ac6-8a81-8adac2a16bc0?format=json" } } } } }, { "signalId": "signal-policywatcher-725582fb-d698-4d30-aeb3-810d221ad7c9", "changeId": "725582fb-d698-4d30-aeb3-810d221ad7c9", "signalDigest": "381279f5fb64c299709fd1180fa97308cca39118c67194e1ac6e8d8bb3dea4c9", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-725582fb-d698-4d30-aeb3-810d221ad7c9", "observedAt": "2026-07-06T22:08:45.291Z", "source": { "sourceId": "policywatcher-change-725582fb-d698-4d30-aeb3-810d221ad7c9", "title": "Plaid: End User Services Agreement", "url": "https://policywatcher.online/change/725582fb-d698-4d30-aeb3-810d221ad7c9", "publisher": "PolicyWatcher", "checkedAt": "2026-07-06T22:08:45.291Z" }, "summary": "Plaid accesses your financial account data with explicit consent, sharing it with third-party apps you use, and you can withdraw consent anytime.", "changeType": "unknown", "subjects": [ "plaid", "terms", "End User Services Agreement" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "725582fb-d698-4d30-aeb3-810d221ad7c9", "eventType": "policy.change.published", "company": { "id": "51f8db0f-3aef-472e-91d7-da30b3ceec4d", "name": "Plaid", "slug": "plaid", "industry": "FinTech" }, "policy": { "id": "ef869aae-4fbc-4941-a2c4-ffe1edfe0524", "name": "End User Services Agreement", "type": "terms", "jurisdiction": "EU" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/725582fb-d698-4d30-aeb3-810d221ad7c9", "evidence": "https://policywatcher.online/evidence/725582fb-d698-4d30-aeb3-810d221ad7c9", "evidenceJson": "https://policywatcher.online/api/evidence-packet/725582fb-d698-4d30-aeb3-810d221ad7c9?format=json" } } } } }, { "signalId": "signal-policywatcher-742c9bd7-04e7-474b-8484-d2f4e670177c", "changeId": "742c9bd7-04e7-474b-8484-d2f4e670177c", "signalDigest": "3813117038aec6d4050c6ad992102b56041070e9326311fc98f71ebb76d3ed43", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-22T18:35:40.238Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-742c9bd7-04e7-474b-8484-d2f4e670177c", "observedAt": "2026-10-22T11:42:38.645Z", "source": { "sourceId": "policywatcher-change-742c9bd7-04e7-474b-8484-d2f4e670177c", "title": "Anthropic: Privacy Policy", "url": "https://policywatcher.online/change/742c9bd7-04e7-474b-8484-d2f4e670177c", "publisher": "PolicyWatcher", "checkedAt": "2026-10-22T11:42:38.645Z" }, "summary": "The Anthropic Privacy Policy has no material changes; data collection, usage, and user rights remain consistent with the previous version.", "changeType": "unknown", "subjects": [ "anthropic", "privacy", "Privacy Policy" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "742c9bd7-04e7-474b-8484-d2f4e670177c", "eventType": "policy.change.published", "company": { "id": "83da1ad9-8891-4372-a9db-bdf82c894d2a", "name": "Anthropic", "slug": "anthropic", "industry": "Tech Giant" }, "policy": { "id": "1cc677eb-3207-4569-880a-aaba223b4803", "name": "Privacy Policy", "type": "privacy", "jurisdiction": "Global" }, "screening": { "overallRisk": "Medium", "overallScore": 6, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/742c9bd7-04e7-474b-8484-d2f4e670177c", "evidence": "https://policywatcher.online/evidence/742c9bd7-04e7-474b-8484-d2f4e670177c", "evidenceJson": "https://policywatcher.online/api/evidence-packet/742c9bd7-04e7-474b-8484-d2f4e670177c?format=json" } } } } }, { "signalId": "signal-policywatcher-79e18fd1-c585-4cbd-a32c-e456bfd142f5", "changeId": "79e18fd1-c585-4cbd-a32c-e456bfd142f5", "signalDigest": "f228929b8686d3b4970c1a4bc1c76ea4a836e302de6459eb79722bb9388d44e7", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-09T09:15:31.682Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-79e18fd1-c585-4cbd-a32c-e456bfd142f5", "observedAt": "2026-10-09T02:45:24.430Z", "source": { "sourceId": "policywatcher-change-79e18fd1-c585-4cbd-a32c-e456bfd142f5", "title": "OpenAI: Privacy Policy", "url": "https://policywatcher.online/change/79e18fd1-c585-4cbd-a32c-e456bfd142f5", "publisher": "PolicyWatcher", "checkedAt": "2026-10-09T02:45:24.430Z" }, "summary": "This OpenAI Privacy Policy update shows no changes, maintaining extensive data collection, broad sharing, and conditional data retention practices.", "changeType": "unknown", "subjects": [ "openai", "privacy", "Privacy Policy" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "79e18fd1-c585-4cbd-a32c-e456bfd142f5", "eventType": "policy.change.published", "company": { "id": "2c5bac29-0643-4196-be90-4b5b2767b6ed", "name": "OpenAI", "slug": "openai", "industry": "AI Provider" }, "policy": { "id": "9e7ca672-d487-4edc-92b9-8567f4c1adcf", "name": "Privacy Policy", "type": "privacy", "jurisdiction": "EU" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/79e18fd1-c585-4cbd-a32c-e456bfd142f5", "evidence": "https://policywatcher.online/evidence/79e18fd1-c585-4cbd-a32c-e456bfd142f5", "evidenceJson": "https://policywatcher.online/api/evidence-packet/79e18fd1-c585-4cbd-a32c-e456bfd142f5?format=json" } } } } }, { "signalId": "signal-policywatcher-7a3b60a4-df29-4282-b5be-3b10f88223e4", "changeId": "7a3b60a4-df29-4282-b5be-3b10f88223e4", "signalDigest": "1690e113d041b55e23ea6304f138c826a73d74486d6d7b7239c30409fef00410", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-18T11:16:55.639Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-7a3b60a4-df29-4282-b5be-3b10f88223e4", "observedAt": "2026-10-18T07:42:28.674Z", "source": { "sourceId": "policywatcher-change-7a3b60a4-df29-4282-b5be-3b10f88223e4", "title": "Google: Privacy Policy", "url": "https://policywatcher.online/change/7a3b60a4-df29-4282-b5be-3b10f88223e4", "publisher": "PolicyWatcher", "checkedAt": "2026-10-18T07:42:28.674Z" }, "summary": "Google's updated policy allows more data sharing between its services for personalization and ads, requiring user consent for this expanded data linking.", "changeType": "unknown", "subjects": [ "google", "privacy", "Privacy Policy" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. 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PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "858f0ed6-c3a6-4084-a5eb-e7ff9ba238e6", "eventType": "policy.change.published", "company": { "id": "c0caa75b-cc98-45c5-9b6b-198af2014025", "name": "PayPal", "slug": "paypal", "industry": "FinTech" }, "policy": { "id": "c28fb784-5012-4696-8c70-505d4185972a", "name": "Privacy Statement", "type": "privacy", "jurisdiction": "EU" }, "screening": { "overallRisk": "High", "overallScore": 8, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/858f0ed6-c3a6-4084-a5eb-e7ff9ba238e6", "evidence": "https://policywatcher.online/evidence/858f0ed6-c3a6-4084-a5eb-e7ff9ba238e6", "evidenceJson": "https://policywatcher.online/api/evidence-packet/858f0ed6-c3a6-4084-a5eb-e7ff9ba238e6?format=json" } } } } }, { "signalId": "signal-policywatcher-8a6d7e33-63ec-46e8-9a9f-07d25b686d19", "changeId": "8a6d7e33-63ec-46e8-9a9f-07d25b686d19", "signalDigest": "30958b747960f3660e5d1fc8a415c4a1b88b257d8a44cbba2c4788f0e359e4f6", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-15T07:31:19.613Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-8a6d7e33-63ec-46e8-9a9f-07d25b686d19", "observedAt": "2026-10-15T04:41:14.365Z", "source": { "sourceId": "policywatcher-change-8a6d7e33-63ec-46e8-9a9f-07d25b686d19", "title": "Amazon: AWS Service Terms", "url": "https://policywatcher.online/change/8a6d7e33-63ec-46e8-9a9f-07d25b686d19", "publisher": "PolicyWatcher", "checkedAt": "2026-10-15T04:41:14.365Z" }, "summary": "The AWS Service Terms received a minor date update with no substantive changes, maintaining existing user responsibilities and data protection frameworks.", "changeType": "unknown", "subjects": [ "amazon", "terms", "AWS Service Terms" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "8a6d7e33-63ec-46e8-9a9f-07d25b686d19", "eventType": "policy.change.published", "company": { "id": "edaffd5f-94d3-483c-8ae1-b5ae272d33ec", "name": "Amazon", "slug": "amazon", "industry": "E-Commerce" }, "policy": { "id": "c51f6ead-7964-41b8-92cb-c4434ad524d5", "name": "AWS Service Terms", "type": "terms", "jurisdiction": "Global" }, "screening": { "overallRisk": "Medium", "overallScore": 6, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/8a6d7e33-63ec-46e8-9a9f-07d25b686d19", "evidence": "https://policywatcher.online/evidence/8a6d7e33-63ec-46e8-9a9f-07d25b686d19", "evidenceJson": "https://policywatcher.online/api/evidence-packet/8a6d7e33-63ec-46e8-9a9f-07d25b686d19?format=json" } } } } }, { "signalId": "signal-policywatcher-8db6420b-b6a5-4992-9736-e4944be01b5f", "changeId": "8db6420b-b6a5-4992-9736-e4944be01b5f", "signalDigest": "ede12ae1f6b760f12ba9e5ea4dd07cecb896dc67c9b25e17489d4511ff3dd693", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-22T18:35:40.238Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-8db6420b-b6a5-4992-9736-e4944be01b5f", "observedAt": "2026-10-22T11:42:56.071Z", "source": { "sourceId": "policywatcher-change-8db6420b-b6a5-4992-9736-e4944be01b5f", "title": "Anthropic: Promotion Credit Terms", "url": "https://policywatcher.online/change/8db6420b-b6a5-4992-9736-e4944be01b5f", "publisher": "PolicyWatcher", "checkedAt": "2026-10-22T11:42:56.071Z" }, "summary": "The policy update is minor, adding only a section header; all terms for promotional credits remain unchanged.", "changeType": "unknown", "subjects": [ "anthropic", "terms", "Promotion Credit Terms" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "8db6420b-b6a5-4992-9736-e4944be01b5f", "eventType": "policy.change.published", "company": { "id": "83da1ad9-8891-4372-a9db-bdf82c894d2a", "name": "Anthropic", "slug": "anthropic", "industry": "Tech Giant" }, "policy": { "id": "411d6736-596e-41f3-9218-27380f5de07d", "name": "Promotion Credit Terms", "type": "terms", "jurisdiction": "Global" }, "screening": { "overallRisk": "Medium", "overallScore": 6, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/8db6420b-b6a5-4992-9736-e4944be01b5f", "evidence": "https://policywatcher.online/evidence/8db6420b-b6a5-4992-9736-e4944be01b5f", "evidenceJson": "https://policywatcher.online/api/evidence-packet/8db6420b-b6a5-4992-9736-e4944be01b5f?format=json" } } } } }, { "signalId": "signal-policywatcher-9a82fb33-2c23-4d10-94dc-fc07121bcd9f", "changeId": "9a82fb33-2c23-4d10-94dc-fc07121bcd9f", "signalDigest": "f803d04b37f2247de451994cf1468e3fb3fa4b89570afc4fe8ac7260762c2ab3", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-21T13:53:03.492Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-9a82fb33-2c23-4d10-94dc-fc07121bcd9f", "observedAt": "2026-10-21T10:40:51.325Z", "source": { "sourceId": "policywatcher-change-9a82fb33-2c23-4d10-94dc-fc07121bcd9f", "title": "Klarna: Terms of Service", "url": "https://policywatcher.online/change/9a82fb33-2c23-4d10-94dc-fc07121bcd9f", "publisher": "PolicyWatcher", "checkedAt": "2026-10-21T10:40:51.325Z" }, "summary": "Klarna's Terms of Service update is minor, changing 'Balance account' to 'Personal account' with no impact on user rights or data practices.", "changeType": "unknown", "subjects": [ "klarna", "terms", "Terms of Service" ], "jurisdictions": [ "US" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "9a82fb33-2c23-4d10-94dc-fc07121bcd9f", "eventType": "policy.change.published", "company": { "id": "fc0a9a77-eb4b-432a-8229-00185c53d30e", "name": "Klarna", "slug": "klarna", "industry": "FinTech" }, "policy": { "id": "f4168900-e4f5-4f91-b69d-9127a145335c", "name": "Terms of Service", "type": "terms", "jurisdiction": "US" }, "screening": { "overallRisk": "Medium", "overallScore": 6, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/9a82fb33-2c23-4d10-94dc-fc07121bcd9f", "evidence": "https://policywatcher.online/evidence/9a82fb33-2c23-4d10-94dc-fc07121bcd9f", "evidenceJson": "https://policywatcher.online/api/evidence-packet/9a82fb33-2c23-4d10-94dc-fc07121bcd9f?format=json" } } } } }, { "signalId": "signal-policywatcher-9c8fbee4-be50-4b08-9134-255d00b28cd0", "changeId": "9c8fbee4-be50-4b08-9134-255d00b28cd0", "signalDigest": "b8e4281d0eb86c1e794c700fa0bba37567ac4e00a25aa9cc52cb15b4f01d340e", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-06T05:17:53.761Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-9c8fbee4-be50-4b08-9134-255d00b28cd0", "observedAt": "2026-09-24T16:39:09.465Z", "source": { "sourceId": "policywatcher-change-9c8fbee4-be50-4b08-9134-255d00b28cd0", "title": "PayPal: User Agreement", "url": "https://policywatcher.online/change/9c8fbee4-be50-4b08-9134-255d00b28cd0", "publisher": "PolicyWatcher", "checkedAt": "2026-09-24T16:39:09.465Z" }, "summary": "The updated PayPal User Agreement significantly limits user legal rights by adding class action and jury trial waivers, and reducing discovery in disputes.", "changeType": "unknown", "subjects": [ "paypal", "terms", "User Agreement" ], "jurisdictions": [ "US" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "9c8fbee4-be50-4b08-9134-255d00b28cd0", "eventType": "policy.change.published", "company": { "id": "c0caa75b-cc98-45c5-9b6b-198af2014025", "name": "PayPal", "slug": "paypal", "industry": "FinTech" }, "policy": { "id": "b1c25854-aa4d-44bb-8c48-9009cf8a9d6a", "name": "User Agreement", "type": "terms", "jurisdiction": "US" }, "screening": { "overallRisk": "High", "overallScore": 8, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/9c8fbee4-be50-4b08-9134-255d00b28cd0", "evidence": "https://policywatcher.online/evidence/9c8fbee4-be50-4b08-9134-255d00b28cd0", "evidenceJson": "https://policywatcher.online/api/evidence-packet/9c8fbee4-be50-4b08-9134-255d00b28cd0?format=json" } } } } }, { "signalId": "signal-policywatcher-9d711828-e470-4300-8423-ae4201c57786", "changeId": "9d711828-e470-4300-8423-ae4201c57786", "signalDigest": "488757ce27875cd93f594f5e901843afea243d8342e8cc1422dac91de9e391a9", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-9d711828-e470-4300-8423-ae4201c57786", "observedAt": "2026-08-01T04:33:55.904Z", "source": { "sourceId": "policywatcher-change-9d711828-e470-4300-8423-ae4201c57786", "title": "Microsoft: Privacy Statement", "url": "https://policywatcher.online/change/9d711828-e470-4300-8423-ae4201c57786", "publisher": "PolicyWatcher", "checkedAt": "2026-08-01T04:33:55.904Z" }, "summary": "Microsoft's updated privacy policy now explicitly allows sharing your age group information with third-party apps, increasing data exposure for age-appropriate experiences.", "changeType": "unknown", "subjects": [ "microsoft", "privacy", "Privacy Statement" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "9d711828-e470-4300-8423-ae4201c57786", "eventType": "policy.change.published", "company": { "id": "9bffb74f-0f91-46a9-a635-74b5e91623e1", "name": "Microsoft", "slug": "microsoft", "industry": "Tech Giant" }, "policy": { "id": "5681de09-ab08-4131-9922-34b96d28db2d", "name": "Privacy Statement", "type": "privacy", "jurisdiction": "Global" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/9d711828-e470-4300-8423-ae4201c57786", "evidence": "https://policywatcher.online/evidence/9d711828-e470-4300-8423-ae4201c57786", "evidenceJson": "https://policywatcher.online/api/evidence-packet/9d711828-e470-4300-8423-ae4201c57786?format=json" } } } } }, { "signalId": "signal-policywatcher-9dd157b3-34d5-4710-bcef-0d0368693145", "changeId": "9dd157b3-34d5-4710-bcef-0d0368693145", "signalDigest": "b3190c84215233e3d1ca2a9a53a648bb301a68c137d0481d2f20d2aefc4e2309", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-09T09:15:31.682Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-9dd157b3-34d5-4710-bcef-0d0368693145", "observedAt": "2026-10-09T02:47:13.609Z", "source": { "sourceId": "policywatcher-change-9dd157b3-34d5-4710-bcef-0d0368693145", "title": "PayPal: Privacy Statement", "url": "https://policywatcher.online/change/9dd157b3-34d5-4710-bcef-0d0368693145", "publisher": "PolicyWatcher", "checkedAt": "2026-10-09T02:47:13.609Z" }, "summary": "PayPal's policy involves extensive data collection, including sensitive and biometric data, used for AI and shared broadly, with some opt-out options.", "changeType": "unknown", "subjects": [ "paypal", "privacy", "Privacy Statement" ], "jurisdictions": [ "US" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "9dd157b3-34d5-4710-bcef-0d0368693145", "eventType": "policy.change.published", "company": { "id": "c0caa75b-cc98-45c5-9b6b-198af2014025", "name": "PayPal", "slug": "paypal", "industry": "FinTech" }, "policy": { "id": "9e09108f-4041-4c64-8e16-88543e1b7e43", "name": "Privacy Statement", "type": "privacy", "jurisdiction": "US" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/9dd157b3-34d5-4710-bcef-0d0368693145", "evidence": "https://policywatcher.online/evidence/9dd157b3-34d5-4710-bcef-0d0368693145", "evidenceJson": "https://policywatcher.online/api/evidence-packet/9dd157b3-34d5-4710-bcef-0d0368693145?format=json" } } } } }, { "signalId": "signal-policywatcher-9f75ba9c-8996-4a19-a3e4-9538af4d5884", "changeId": "9f75ba9c-8996-4a19-a3e4-9538af4d5884", "signalDigest": "99cbabeac98c6e9f16a8eadb39b20dfad69ad605d590a9f1577ba76c93d3fe98", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-06T05:17:53.761Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-9f75ba9c-8996-4a19-a3e4-9538af4d5884", "observedAt": "2026-10-01T19:52:18.554Z", "source": { "sourceId": "policywatcher-change-9f75ba9c-8996-4a19-a3e4-9538af4d5884", "title": "Microsoft: Services Agreement", "url": "https://policywatcher.online/change/9f75ba9c-8996-4a19-a3e4-9538af4d5884", "publisher": "PolicyWatcher", "checkedAt": "2026-10-01T19:52:18.554Z" }, "summary": "Microsoft's updated Services Agreement now covers more products and services by reference, broadening its reach and potentially reducing user clarity.", "changeType": "unknown", "subjects": [ "microsoft", "terms", "Services Agreement" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "9f75ba9c-8996-4a19-a3e4-9538af4d5884", "eventType": "policy.change.published", "company": { "id": "9bffb74f-0f91-46a9-a635-74b5e91623e1", "name": "Microsoft", "slug": "microsoft", "industry": "Tech Giant" }, "policy": { "id": "d9e2da07-eaec-43e2-ab29-9286bca75911", "name": "Services Agreement", "type": "terms", "jurisdiction": "Global" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/9f75ba9c-8996-4a19-a3e4-9538af4d5884", "evidence": "https://policywatcher.online/evidence/9f75ba9c-8996-4a19-a3e4-9538af4d5884", "evidenceJson": "https://policywatcher.online/api/evidence-packet/9f75ba9c-8996-4a19-a3e4-9538af4d5884?format=json" } } } } }, { "signalId": "signal-policywatcher-a01305c4-06e9-4113-a4c4-418e4c819740", "changeId": "a01305c4-06e9-4113-a4c4-418e4c819740", "signalDigest": "101d92641fbd30ccfff1987b9286cbfcb02f46f49e403964e7691661e1775e2e", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-06T05:17:53.761Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-a01305c4-06e9-4113-a4c4-418e4c819740", "observedAt": "2026-10-01T19:45:23.780Z", "source": { "sourceId": "policywatcher-change-a01305c4-06e9-4113-a4c4-418e4c819740", "title": "Google: Privacy Policy", "url": "https://policywatcher.online/change/a01305c4-06e9-4113-a4c4-418e4c819740", "publisher": "PolicyWatcher", "checkedAt": "2026-10-01T19:45:23.780Z" }, "summary": "No changes were found between the old and new Google Privacy Policy versions, maintaining existing data collection and user control practices.", "changeType": "unknown", "subjects": [ "google", "privacy", "Privacy Policy" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "a01305c4-06e9-4113-a4c4-418e4c819740", "eventType": "policy.change.published", "company": { "id": "3e20dca5-ce3f-4e7e-930c-7aa4753a789d", "name": "Google", "slug": "google", "industry": "Tech Giant" }, "policy": { "id": "c287880a-4512-4dc0-a8bd-cdf7d4f33e15", "name": "Privacy Policy", "type": "privacy", "jurisdiction": "Global" }, "screening": { "overallRisk": "Medium", "overallScore": 6, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/a01305c4-06e9-4113-a4c4-418e4c819740", "evidence": "https://policywatcher.online/evidence/a01305c4-06e9-4113-a4c4-418e4c819740", "evidenceJson": "https://policywatcher.online/api/evidence-packet/a01305c4-06e9-4113-a4c4-418e4c819740?format=json" } } } } }, { "signalId": "signal-policywatcher-a551ca11-952d-4a8a-b79a-0c1df7462093", "changeId": "a551ca11-952d-4a8a-b79a-0c1df7462093", "signalDigest": "6bd4423f2e5867852272fb0ac2a223150e4d3a53e617aadf3a63d290c0d633c6", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-a551ca11-952d-4a8a-b79a-0c1df7462093", "observedAt": "2026-08-01T04:35:55.960Z", "source": { "sourceId": "policywatcher-change-a551ca11-952d-4a8a-b79a-0c1df7462093", "title": "Microsoft: Privacy Statement", "url": "https://policywatcher.online/change/a551ca11-952d-4a8a-b79a-0c1df7462093", "publisher": "PolicyWatcher", "checkedAt": "2026-08-01T04:35:55.960Z" }, "summary": "Microsoft's updated policy now allows sharing user age group information with third-party apps, increasing data sharing scope and privacy concerns.", "changeType": "unknown", "subjects": [ "microsoft", "privacy", "Privacy Statement" ], "jurisdictions": [ "US" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "a551ca11-952d-4a8a-b79a-0c1df7462093", "eventType": "policy.change.published", "company": { "id": "9bffb74f-0f91-46a9-a635-74b5e91623e1", "name": "Microsoft", "slug": "microsoft", "industry": "Tech Giant" }, "policy": { "id": "cda59c99-32eb-4c5d-aae6-a269c7b681f6", "name": "Privacy Statement", "type": "privacy", "jurisdiction": "US" }, "screening": { "overallRisk": "High", "overallScore": 9, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/a551ca11-952d-4a8a-b79a-0c1df7462093", "evidence": "https://policywatcher.online/evidence/a551ca11-952d-4a8a-b79a-0c1df7462093", "evidenceJson": "https://policywatcher.online/api/evidence-packet/a551ca11-952d-4a8a-b79a-0c1df7462093?format=json" } } } } }, { "signalId": "signal-policywatcher-a5804b9f-61b2-43cc-9cba-67391d428238", "changeId": "a5804b9f-61b2-43cc-9cba-67391d428238", "signalDigest": "c18b0b2d73bab3285ad3a94bc31ffbe738ee3de1def4c48f5450e9df31136d65", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-a5804b9f-61b2-43cc-9cba-67391d428238", "observedAt": "2026-08-01T04:37:27.836Z", "source": { "sourceId": "policywatcher-change-a5804b9f-61b2-43cc-9cba-67391d428238", "title": "PayPal: User Agreement", "url": "https://policywatcher.online/change/a5804b9f-61b2-43cc-9cba-67391d428238", "publisher": "PolicyWatcher", "checkedAt": "2026-08-01T04:37:27.836Z" }, "summary": "No changes were found between the old and new versions of the PayPal User Agreement; the policy remains consistent.", "changeType": "unknown", "subjects": [ "paypal", "terms", "User Agreement" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "a5804b9f-61b2-43cc-9cba-67391d428238", "eventType": "policy.change.published", "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" }, "screening": { "overallRisk": "Medium", "overallScore": 5, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/a5804b9f-61b2-43cc-9cba-67391d428238", "evidence": "https://policywatcher.online/evidence/a5804b9f-61b2-43cc-9cba-67391d428238", "evidenceJson": "https://policywatcher.online/api/evidence-packet/a5804b9f-61b2-43cc-9cba-67391d428238?format=json" } } } } }, { "signalId": "signal-policywatcher-ab33f12c-223c-4045-89ac-0ea091eb21c3", "changeId": "ab33f12c-223c-4045-89ac-0ea091eb21c3", "signalDigest": "47377524cfd3e481638fd53a77e8f01c51a2c4f95248d1ad1b69c22a5cba83c8", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-ab33f12c-223c-4045-89ac-0ea091eb21c3", "observedAt": "2026-07-10T01:47:41.631Z", "source": { "sourceId": "policywatcher-change-ab33f12c-223c-4045-89ac-0ea091eb21c3", "title": "PayPal: User Agreement", "url": "https://policywatcher.online/change/ab33f12c-223c-4045-89ac-0ea091eb21c3", "publisher": "PolicyWatcher", "checkedAt": "2026-07-10T01:47:41.631Z" }, "summary": "This PayPal User Agreement outlines terms for Luxembourg residents, detailing account types, payment services, and user responsibilities, with standard financial service clauses.", "changeType": "unknown", "subjects": [ "paypal", "terms", "User Agreement" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "ab33f12c-223c-4045-89ac-0ea091eb21c3", "eventType": "policy.change.published", "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" }, "screening": { "overallRisk": "Medium", "overallScore": 6, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/ab33f12c-223c-4045-89ac-0ea091eb21c3", "evidence": "https://policywatcher.online/evidence/ab33f12c-223c-4045-89ac-0ea091eb21c3", "evidenceJson": "https://policywatcher.online/api/evidence-packet/ab33f12c-223c-4045-89ac-0ea091eb21c3?format=json" } } } } }, { "signalId": "signal-policywatcher-b163d841-2b1c-4d03-8b6e-3d80a7d4cb27", "changeId": "b163d841-2b1c-4d03-8b6e-3d80a7d4cb27", "signalDigest": "57a7b979db4af98d8c13a1c942564b5d23f74102d29159fdc2af5ee5536a6f94", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-b163d841-2b1c-4d03-8b6e-3d80a7d4cb27", "observedAt": "2026-08-18T03:00:38.173Z", "source": { "sourceId": "policywatcher-change-b163d841-2b1c-4d03-8b6e-3d80a7d4cb27", "title": "PayPal: Privacy Statement", "url": "https://policywatcher.online/change/b163d841-2b1c-4d03-8b6e-3d80a7d4cb27", "publisher": "PolicyWatcher", "checkedAt": "2026-08-18T03:00:38.173Z" }, "summary": "The PayPal Privacy Statement is unchanged, detailing extensive data collection, AI training, and broad sharing, with some user opt-out options.", "changeType": "unknown", "subjects": [ "paypal", "privacy", "Privacy Statement" ], "jurisdictions": [ "US" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "b163d841-2b1c-4d03-8b6e-3d80a7d4cb27", "eventType": "policy.change.published", "company": { "id": "c0caa75b-cc98-45c5-9b6b-198af2014025", "name": "PayPal", "slug": "paypal", "industry": "FinTech" }, "policy": { "id": "9e09108f-4041-4c64-8e16-88543e1b7e43", "name": "Privacy Statement", "type": "privacy", "jurisdiction": "US" }, "screening": { "overallRisk": "Medium", "overallScore": 6, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/b163d841-2b1c-4d03-8b6e-3d80a7d4cb27", "evidence": "https://policywatcher.online/evidence/b163d841-2b1c-4d03-8b6e-3d80a7d4cb27", "evidenceJson": "https://policywatcher.online/api/evidence-packet/b163d841-2b1c-4d03-8b6e-3d80a7d4cb27?format=json" } } } } }, { "signalId": "signal-policywatcher-b2d5abd7-975d-4f45-8c59-14592b7007cb", "changeId": "b2d5abd7-975d-4f45-8c59-14592b7007cb", "signalDigest": "c67b4111fe1c2cd3af603876a7252f8126e22594f067b1afa13dbae125946bfe", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-23T13:31:55.564Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-b2d5abd7-975d-4f45-8c59-14592b7007cb", "observedAt": "2026-10-23T11:40:12.884Z", "source": { "sourceId": "policywatcher-change-b2d5abd7-975d-4f45-8c59-14592b7007cb", "title": "OpenAI: Usage Policies", "url": "https://policywatcher.online/change/b2d5abd7-975d-4f45-8c59-14592b7007cb", "publisher": "PolicyWatcher", "checkedAt": "2026-10-23T11:40:12.884Z" }, "summary": "New OpenAI policies restrict using outputs to train competing AI models, tighten rules on professional advice, and enhance minor protection.", "changeType": "unknown", "subjects": [ "openai", "aup", "Usage Policies" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "b2d5abd7-975d-4f45-8c59-14592b7007cb", "eventType": "policy.change.published", "company": { "id": "2c5bac29-0643-4196-be90-4b5b2767b6ed", "name": "OpenAI", "slug": "openai", "industry": "AI Provider" }, "policy": { "id": "b4651c03-839a-4379-a4dd-08337ffac02a", "name": "Usage Policies", "type": "aup", "jurisdiction": "Global" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/b2d5abd7-975d-4f45-8c59-14592b7007cb", "evidence": "https://policywatcher.online/evidence/b2d5abd7-975d-4f45-8c59-14592b7007cb", "evidenceJson": "https://policywatcher.online/api/evidence-packet/b2d5abd7-975d-4f45-8c59-14592b7007cb?format=json" } } } } }, { "signalId": "signal-policywatcher-b2e39954-84c1-4843-a490-278f2f4807a0", "changeId": "b2e39954-84c1-4843-a490-278f2f4807a0", "signalDigest": "3c9e35d66bc3a04f3946d9ad84f48cb885d20a0295aba26dc1ac67819dd929d8", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-b2e39954-84c1-4843-a490-278f2f4807a0", "observedAt": "2026-08-02T11:29:55.546Z", "source": { "sourceId": "policywatcher-change-b2e39954-84c1-4843-a490-278f2f4807a0", "title": "PayPal: Privacy Statement", "url": "https://policywatcher.online/change/b2e39954-84c1-4843-a490-278f2f4807a0", "publisher": "PolicyWatcher", "checkedAt": "2026-08-02T11:29:55.546Z" }, "summary": "This policy details PayPal's extensive data collection, broad sharing, and use of AI for training and automated decisions, with no changes from the previous version.", "changeType": "unknown", "subjects": [ "paypal", "privacy", "Privacy Statement" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "b2e39954-84c1-4843-a490-278f2f4807a0", "eventType": "policy.change.published", "company": { "id": "c0caa75b-cc98-45c5-9b6b-198af2014025", "name": "PayPal", "slug": "paypal", "industry": "FinTech" }, "policy": { "id": "c28fb784-5012-4696-8c70-505d4185972a", "name": "Privacy Statement", "type": "privacy", "jurisdiction": "EU" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/b2e39954-84c1-4843-a490-278f2f4807a0", "evidence": "https://policywatcher.online/evidence/b2e39954-84c1-4843-a490-278f2f4807a0", "evidenceJson": "https://policywatcher.online/api/evidence-packet/b2e39954-84c1-4843-a490-278f2f4807a0?format=json" } } } } }, { "signalId": "signal-policywatcher-b31dce3e-ce3e-49d8-8009-5e1d6297bbd4", "changeId": "b31dce3e-ce3e-49d8-8009-5e1d6297bbd4", "signalDigest": "dd6559dfe228400a521992bfb1314d36c2e22913e9cded292e20d318a1418613", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-b31dce3e-ce3e-49d8-8009-5e1d6297bbd4", "observedAt": "2026-08-06T03:51:17.416Z", "source": { "sourceId": "policywatcher-change-b31dce3e-ce3e-49d8-8009-5e1d6297bbd4", "title": "PayPal: Privacy Statement", "url": "https://policywatcher.online/change/b31dce3e-ce3e-49d8-8009-5e1d6297bbd4", "publisher": "PolicyWatcher", "checkedAt": "2026-08-06T03:51:17.416Z" }, "summary": "The PayPal Privacy Statement has not changed; it still outlines extensive data collection, AI use for training and automated decisions, and broad data sharing.", "changeType": "unknown", "subjects": [ "paypal", "privacy", "Privacy Statement" ], "jurisdictions": [ "US" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "b31dce3e-ce3e-49d8-8009-5e1d6297bbd4", "eventType": "policy.change.published", "company": { "id": "c0caa75b-cc98-45c5-9b6b-198af2014025", "name": "PayPal", "slug": "paypal", "industry": "FinTech" }, "policy": { "id": "9e09108f-4041-4c64-8e16-88543e1b7e43", "name": "Privacy Statement", "type": "privacy", "jurisdiction": "US" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/b31dce3e-ce3e-49d8-8009-5e1d6297bbd4", "evidence": "https://policywatcher.online/evidence/b31dce3e-ce3e-49d8-8009-5e1d6297bbd4", "evidenceJson": "https://policywatcher.online/api/evidence-packet/b31dce3e-ce3e-49d8-8009-5e1d6297bbd4?format=json" } } } } }, { "signalId": "signal-policywatcher-b6f77d48-bc9c-4085-bf97-702fd935ce2e", "changeId": "b6f77d48-bc9c-4085-bf97-702fd935ce2e", "signalDigest": "5b27b51282a896ab22445375e8ab19308131b650d7645aaecb10eb28e5bea092", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-06T05:17:53.761Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-b6f77d48-bc9c-4085-bf97-702fd935ce2e", "observedAt": "2026-09-24T16:32:08.337Z", "source": { "sourceId": "policywatcher-change-b6f77d48-bc9c-4085-bf97-702fd935ce2e", "title": "OpenAI: Privacy Policy", "url": "https://policywatcher.online/change/b6f77d48-bc9c-4085-bf97-702fd935ce2e", "publisher": "PolicyWatcher", "checkedAt": "2026-09-24T16:32:08.337Z" }, "summary": "OpenAI now collects ad history and interests for 'Free and Go' users, sharing data with advertisers to personalize ads, increasing privacy risk.", "changeType": "unknown", "subjects": [ "openai", "privacy", "Privacy Policy" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "b6f77d48-bc9c-4085-bf97-702fd935ce2e", "eventType": "policy.change.published", "company": { "id": "2c5bac29-0643-4196-be90-4b5b2767b6ed", "name": "OpenAI", "slug": "openai", "industry": "AI Provider" }, "policy": { "id": "9e7ca672-d487-4edc-92b9-8567f4c1adcf", "name": "Privacy Policy", "type": "privacy", "jurisdiction": "EU" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/b6f77d48-bc9c-4085-bf97-702fd935ce2e", "evidence": "https://policywatcher.online/evidence/b6f77d48-bc9c-4085-bf97-702fd935ce2e", "evidenceJson": "https://policywatcher.online/api/evidence-packet/b6f77d48-bc9c-4085-bf97-702fd935ce2e?format=json" } } } } }, { "signalId": "signal-policywatcher-b8cd3366-f02b-4bb6-9211-2c5b3269a404", "changeId": "b8cd3366-f02b-4bb6-9211-2c5b3269a404", "signalDigest": "dcf73d77d8244a90d88ed901b67712fd40cde6c546b6cc0c2f8ff2710aaf2f54", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-b8cd3366-f02b-4bb6-9211-2c5b3269a404", "observedAt": "2026-08-18T03:00:10.953Z", "source": { "sourceId": "policywatcher-change-b8cd3366-f02b-4bb6-9211-2c5b3269a404", "title": "PayPal: Privacy Statement", "url": "https://policywatcher.online/change/b8cd3366-f02b-4bb6-9211-2c5b3269a404", "publisher": "PolicyWatcher", "checkedAt": "2026-08-18T03:00:10.953Z" }, "summary": "No changes were detected in the PayPal Privacy Statement, meaning data practices, AI use, and sharing policies remain consistent with the previous version.", "changeType": "unknown", "subjects": [ "paypal", "privacy", "Privacy Statement" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "b8cd3366-f02b-4bb6-9211-2c5b3269a404", "eventType": "policy.change.published", "company": { "id": "c0caa75b-cc98-45c5-9b6b-198af2014025", "name": "PayPal", "slug": "paypal", "industry": "FinTech" }, "policy": { "id": "c28fb784-5012-4696-8c70-505d4185972a", "name": "Privacy Statement", "type": "privacy", "jurisdiction": "EU" }, "screening": { "overallRisk": "Medium", "overallScore": 6, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/b8cd3366-f02b-4bb6-9211-2c5b3269a404", "evidence": "https://policywatcher.online/evidence/b8cd3366-f02b-4bb6-9211-2c5b3269a404", "evidenceJson": "https://policywatcher.online/api/evidence-packet/b8cd3366-f02b-4bb6-9211-2c5b3269a404?format=json" } } } } }, { "signalId": "signal-policywatcher-be2f44f8-2b14-4c73-bfa4-15d44d157c04", "changeId": "be2f44f8-2b14-4c73-bfa4-15d44d157c04", "signalDigest": "899012066a383c014198dc8bf3c46bf28094b2825e74b8ab118d8621b56b5faa", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-06T05:17:53.761Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-be2f44f8-2b14-4c73-bfa4-15d44d157c04", "observedAt": "2026-09-23T17:16:57.185Z", "source": { "sourceId": "policywatcher-change-be2f44f8-2b14-4c73-bfa4-15d44d157c04", "title": "Microsoft: Privacy Statement", "url": "https://policywatcher.online/change/be2f44f8-2b14-4c73-bfa4-15d44d157c04", "publisher": "PolicyWatcher", "checkedAt": "2026-09-23T17:16:57.185Z" }, "summary": "Microsoft's updated policy clarifies device data collection, but still allows extensive data use, including biometrics and AI training, without explicit opt-out.", "changeType": "unknown", "subjects": [ "microsoft", "privacy", "Privacy Statement" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "be2f44f8-2b14-4c73-bfa4-15d44d157c04", "eventType": "policy.change.published", "company": { "id": "9bffb74f-0f91-46a9-a635-74b5e91623e1", "name": "Microsoft", "slug": "microsoft", "industry": "Tech Giant" }, "policy": { "id": "f7958007-438b-4240-ba2d-2a48dbb9f661", "name": "Privacy Statement", "type": "privacy", "jurisdiction": "EU" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/be2f44f8-2b14-4c73-bfa4-15d44d157c04", "evidence": "https://policywatcher.online/evidence/be2f44f8-2b14-4c73-bfa4-15d44d157c04", "evidenceJson": "https://policywatcher.online/api/evidence-packet/be2f44f8-2b14-4c73-bfa4-15d44d157c04?format=json" } } } } }, { "signalId": "signal-policywatcher-c401c830-2b20-475a-908c-8c4d762bda1e", "changeId": "c401c830-2b20-475a-908c-8c4d762bda1e", "signalDigest": "bc6315d38d0916c62b713be2a2362f20ba117a5a3a689aa96b76125db348ba1c", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-c401c830-2b20-475a-908c-8c4d762bda1e", "observedAt": "2026-07-10T01:47:05.644Z", "source": { "sourceId": "policywatcher-change-c401c830-2b20-475a-908c-8c4d762bda1e", "title": "PayPal: Privacy Statement", "url": "https://policywatcher.online/change/c401c830-2b20-475a-908c-8c4d762bda1e", "publisher": "PolicyWatcher", "checkedAt": "2026-07-10T01:47:05.644Z" }, "summary": "PayPal collects extensive personal and sensitive data, including for AI training and automated decisions, sharing it broadly, but lacks clear AI opt-out and data retention specifics.", "changeType": "unknown", "subjects": [ "paypal", "privacy", "Privacy Statement" ], "jurisdictions": [ "US" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "c401c830-2b20-475a-908c-8c4d762bda1e", "eventType": "policy.change.published", "company": { "id": "c0caa75b-cc98-45c5-9b6b-198af2014025", "name": "PayPal", "slug": "paypal", "industry": "FinTech" }, "policy": { "id": "9e09108f-4041-4c64-8e16-88543e1b7e43", "name": "Privacy Statement", "type": "privacy", "jurisdiction": "US" }, "screening": { "overallRisk": "High", "overallScore": 8, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/c401c830-2b20-475a-908c-8c4d762bda1e", "evidence": "https://policywatcher.online/evidence/c401c830-2b20-475a-908c-8c4d762bda1e", "evidenceJson": "https://policywatcher.online/api/evidence-packet/c401c830-2b20-475a-908c-8c4d762bda1e?format=json" } } } } }, { "signalId": "signal-policywatcher-c9aadce8-c90e-46d9-9ad2-372ed55b339d", "changeId": "c9aadce8-c90e-46d9-9ad2-372ed55b339d", "signalDigest": "b901733923b33dfdf0bde0885f68cc114efcdd0c3f119a39e2d606b93a98abf4", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-c9aadce8-c90e-46d9-9ad2-372ed55b339d", "observedAt": "2026-07-06T22:09:35.927Z", "source": { "sourceId": "policywatcher-change-c9aadce8-c90e-46d9-9ad2-372ed55b339d", "title": "Plaid: Privacy Policy", "url": "https://policywatcher.online/change/c9aadce8-c90e-46d9-9ad2-372ed55b339d", "publisher": "PolicyWatcher", "checkedAt": "2026-07-06T22:09:35.927Z" }, "summary": "Plaid collects extensive financial data, uses it for AI training, and shares it broadly, but offers a portal for user control and data deletion.", "changeType": "unknown", "subjects": [ "plaid", "privacy", "Privacy Policy" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. 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PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "dc410e07-7a2e-4f3c-97a2-b37f64424aa2", "eventType": "policy.change.published", "company": { "id": "83da1ad9-8891-4372-a9db-bdf82c894d2a", "name": "Anthropic", "slug": "anthropic", "industry": "Tech Giant" }, "policy": { "id": "54ee97fb-bc87-41ff-837d-2a06184e99a5", "name": "Acceptable Use Policy", "type": "aup", "jurisdiction": "Global" }, "screening": { "overallRisk": "Medium", "overallScore": 4, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/dc410e07-7a2e-4f3c-97a2-b37f64424aa2", "evidence": "https://policywatcher.online/evidence/dc410e07-7a2e-4f3c-97a2-b37f64424aa2", "evidenceJson": "https://policywatcher.online/api/evidence-packet/dc410e07-7a2e-4f3c-97a2-b37f64424aa2?format=json" } } } } }, { "signalId": "signal-policywatcher-decc553e-ece4-43de-8d6e-4f4fedbf3a9a", "changeId": "decc553e-ece4-43de-8d6e-4f4fedbf3a9a", "signalDigest": "83771f825c49adb01fed87a9eca9a3d02e94b215089a30ebbe40ccb0e033a6ba", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-decc553e-ece4-43de-8d6e-4f4fedbf3a9a", "observedAt": "2026-08-02T11:30:57.011Z", "source": { "sourceId": "policywatcher-change-decc553e-ece4-43de-8d6e-4f4fedbf3a9a", "title": "PayPal: User Agreement", "url": "https://policywatcher.online/change/decc553e-ece4-43de-8d6e-4f4fedbf3a9a", "publisher": "PolicyWatcher", "checkedAt": "2026-08-02T11:30:57.011Z" }, "summary": "No changes were found in the PayPal User Agreement, which continues to detail account terms, security, and consumer rights for Luxembourg residents.", "changeType": "unknown", "subjects": [ "paypal", "terms", "User Agreement" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "decc553e-ece4-43de-8d6e-4f4fedbf3a9a", "eventType": "policy.change.published", "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" }, "screening": { "overallRisk": "Medium", "overallScore": 5, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/decc553e-ece4-43de-8d6e-4f4fedbf3a9a", "evidence": "https://policywatcher.online/evidence/decc553e-ece4-43de-8d6e-4f4fedbf3a9a", "evidenceJson": "https://policywatcher.online/api/evidence-packet/decc553e-ece4-43de-8d6e-4f4fedbf3a9a?format=json" } } } } }, { "signalId": "signal-policywatcher-deed3507-de9d-4d32-a03a-a43b250f9a21", "changeId": "deed3507-de9d-4d32-a03a-a43b250f9a21", "signalDigest": "1e675b92bdf23c8f661ae6a30b33a9cbba01beec648a0778bef4a6442be9a0cc", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-06T05:17:53.761Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-deed3507-de9d-4d32-a03a-a43b250f9a21", "observedAt": "2026-09-24T16:32:38.104Z", "source": { "sourceId": "policywatcher-change-deed3507-de9d-4d32-a03a-a43b250f9a21", "title": "Zoom: Privacy Statement", "url": "https://policywatcher.online/change/deed3507-de9d-4d32-a03a-a43b250f9a21", "publisher": "PolicyWatcher", "checkedAt": "2026-09-24T16:32:38.104Z" }, "summary": "The Zoom Privacy Statement was updated with a new date, but no actual policy changes were found, meaning existing data practices continue.", "changeType": "unknown", "subjects": [ "zoom", "privacy", "Privacy Statement" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "deed3507-de9d-4d32-a03a-a43b250f9a21", "eventType": "policy.change.published", "company": { "id": "59438443-572b-47a4-a4ac-f0091158e154", "name": "Zoom", "slug": "zoom", "industry": "Cloud/SaaS" }, "policy": { "id": "0ec3d4b4-79d4-4e2e-8a66-60dde69a5c10", "name": "Privacy Statement", "type": "privacy", "jurisdiction": "Global" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/deed3507-de9d-4d32-a03a-a43b250f9a21", "evidence": "https://policywatcher.online/evidence/deed3507-de9d-4d32-a03a-a43b250f9a21", "evidenceJson": "https://policywatcher.online/api/evidence-packet/deed3507-de9d-4d32-a03a-a43b250f9a21?format=json" } } } } }, { "signalId": "signal-policywatcher-e4f3732c-92f2-4a5d-a9b2-716fd9ebf183", "changeId": "e4f3732c-92f2-4a5d-a9b2-716fd9ebf183", "signalDigest": "b7fa9c96d9a4529adc176811af17023be0b823f89b325c50e3a642336f274377", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-06T05:17:53.761Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-e4f3732c-92f2-4a5d-a9b2-716fd9ebf183", "observedAt": "2026-10-01T19:55:28.939Z", "source": { "sourceId": "policywatcher-change-e4f3732c-92f2-4a5d-a9b2-716fd9ebf183", "title": "PayPal: Privacy Statement", "url": "https://policywatcher.online/change/e4f3732c-92f2-4a5d-a9b2-716fd9ebf183", "publisher": "PolicyWatcher", "checkedAt": "2026-10-01T19:55:28.939Z" }, "summary": "PayPal's updated policy broadens data collection from third-party payment sources for non-account holders and introduces new data use for 'PayPal World transactions'.", "changeType": "unknown", "subjects": [ "paypal", "privacy", "Privacy Statement" ], "jurisdictions": [ "US" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "e4f3732c-92f2-4a5d-a9b2-716fd9ebf183", "eventType": "policy.change.published", "company": { "id": "c0caa75b-cc98-45c5-9b6b-198af2014025", "name": "PayPal", "slug": "paypal", "industry": "FinTech" }, "policy": { "id": "9e09108f-4041-4c64-8e16-88543e1b7e43", "name": "Privacy Statement", "type": "privacy", "jurisdiction": "US" }, "screening": { "overallRisk": "High", "overallScore": 8, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/e4f3732c-92f2-4a5d-a9b2-716fd9ebf183", "evidence": "https://policywatcher.online/evidence/e4f3732c-92f2-4a5d-a9b2-716fd9ebf183", "evidenceJson": "https://policywatcher.online/api/evidence-packet/e4f3732c-92f2-4a5d-a9b2-716fd9ebf183?format=json" } } } } }, { "signalId": "signal-policywatcher-e5b60963-4f7d-4396-97b2-b0a1f263fc80", "changeId": "e5b60963-4f7d-4396-97b2-b0a1f263fc80", "signalDigest": "bde3ae9e8ecff394d2d3aa25b8abb52d3e96a24143e8b39c72c0e3328de941db", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-e5b60963-4f7d-4396-97b2-b0a1f263fc80", "observedAt": "2026-07-10T01:48:59.366Z", "source": { "sourceId": "policywatcher-change-e5b60963-4f7d-4396-97b2-b0a1f263fc80", "title": "Klarna: Privacy Notice", "url": "https://policywatcher.online/change/e5b60963-4f7d-4396-97b2-b0a1f263fc80", "publisher": "PolicyWatcher", "checkedAt": "2026-07-10T01:48:59.366Z" }, "summary": "No changes were detected in Klarna's Privacy Notice, maintaining existing data collection, security practices, and user rights for financial services.", "changeType": "unknown", "subjects": [ "klarna", "privacy", "Privacy Notice" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. 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PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "e7bcfc89-09cc-4133-b686-84efac485e51", "eventType": "policy.change.published", "company": { "id": "c0caa75b-cc98-45c5-9b6b-198af2014025", "name": "PayPal", "slug": "paypal", "industry": "FinTech" }, "policy": { "id": "9e09108f-4041-4c64-8e16-88543e1b7e43", "name": "Privacy Statement", "type": "privacy", "jurisdiction": "US" }, "screening": { "overallRisk": "Low", "overallScore": 2, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/e7bcfc89-09cc-4133-b686-84efac485e51", "evidence": "https://policywatcher.online/evidence/e7bcfc89-09cc-4133-b686-84efac485e51", "evidenceJson": "https://policywatcher.online/api/evidence-packet/e7bcfc89-09cc-4133-b686-84efac485e51?format=json" } } } } }, { "signalId": "signal-policywatcher-ecc39763-b2f3-40c2-ac76-9f0844adb261", "changeId": "ecc39763-b2f3-40c2-ac76-9f0844adb261", "signalDigest": "18a5086ba5501866c0df1c5d33301449cd94acb7d187021abc7c4c43dd971755", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-ecc39763-b2f3-40c2-ac76-9f0844adb261", "observedAt": "2026-07-24T20:57:29.404Z", "source": { "sourceId": "policywatcher-change-ecc39763-b2f3-40c2-ac76-9f0844adb261", "title": "Google: Privacy Policy", "url": "https://policywatcher.online/change/ecc39763-b2f3-40c2-ac76-9f0844adb261", "publisher": "PolicyWatcher", "checkedAt": "2026-07-24T20:57:29.404Z" }, "summary": "The policy update adds new table of contents sections, hinting at future clarity on data transfers and definitions, but core data practices remain consistent.", "changeType": "unknown", "subjects": [ "google", "privacy", "Privacy Policy" ], "jurisdictions": [ "US" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. 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PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "f14dc990-fe46-4292-9702-48471a26ad97", "eventType": "policy.change.published", "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" }, "screening": { "overallRisk": "Medium", "overallScore": 4, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/f14dc990-fe46-4292-9702-48471a26ad97", "evidence": "https://policywatcher.online/evidence/f14dc990-fe46-4292-9702-48471a26ad97", "evidenceJson": "https://policywatcher.online/api/evidence-packet/f14dc990-fe46-4292-9702-48471a26ad97?format=json" } } } } }, { "signalId": "signal-policywatcher-f18cd619-6b84-4c05-9a23-fa7d685d2fc1", "changeId": "f18cd619-6b84-4c05-9a23-fa7d685d2fc1", "signalDigest": "133059448b4db94d9aa53b19803d287c60ab59a676abb74a109b0299c1e53d15", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-22T18:35:40.238Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-f18cd619-6b84-4c05-9a23-fa7d685d2fc1", "observedAt": "2026-10-22T11:42:18.898Z", "source": { "sourceId": "policywatcher-change-f18cd619-6b84-4c05-9a23-fa7d685d2fc1", "title": "Anthropic: Non-User Privacy Policy", "url": "https://policywatcher.online/change/f18cd619-6b84-4c05-9a23-fa7d685d2fc1", "publisher": "PolicyWatcher", "checkedAt": "2026-10-22T11:42:18.898Z" }, "summary": "Anthropic updated its non-user privacy policy with minor structural and formatting improvements while keeping AI training data practices intact.", "changeType": "unknown", "subjects": [ "anthropic", "privacy", "Non-User Privacy Policy" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "f18cd619-6b84-4c05-9a23-fa7d685d2fc1", "eventType": "policy.change.published", "company": { "id": "83da1ad9-8891-4372-a9db-bdf82c894d2a", "name": "Anthropic", "slug": "anthropic", "industry": "Tech Giant" }, "policy": { "id": "5afd72ff-64d7-411d-823e-3573e2901762", "name": "Non-User Privacy Policy", "type": "privacy", "jurisdiction": "Global" }, "screening": { "overallRisk": "Medium", "overallScore": 5, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/f18cd619-6b84-4c05-9a23-fa7d685d2fc1", "evidence": "https://policywatcher.online/evidence/f18cd619-6b84-4c05-9a23-fa7d685d2fc1", "evidenceJson": "https://policywatcher.online/api/evidence-packet/f18cd619-6b84-4c05-9a23-fa7d685d2fc1?format=json" } } } } }, { "signalId": "signal-policywatcher-f21e62b7-844f-464b-8f11-871c42b3c506", "changeId": "f21e62b7-844f-464b-8f11-871c42b3c506", "signalDigest": "684fb6441df2b00f68232428d02480bd6ebc875f18400ca5a8dc899f1feb4326", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-09T09:15:31.682Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-f21e62b7-844f-464b-8f11-871c42b3c506", "observedAt": "2026-10-09T02:46:51.958Z", "source": { "sourceId": "policywatcher-change-f21e62b7-844f-464b-8f11-871c42b3c506", "title": "PayPal: Privacy Statement", "url": "https://policywatcher.online/change/f21e62b7-844f-464b-8f11-871c42b3c506", "publisher": "PolicyWatcher", "checkedAt": "2026-10-09T02:46:51.958Z" }, "summary": "PayPal collects extensive personal and sensitive data, uses it for AI training and automated decisions, and shares it broadly with third parties.", "changeType": "unknown", "subjects": [ "paypal", "privacy", "Privacy Statement" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "f21e62b7-844f-464b-8f11-871c42b3c506", "eventType": "policy.change.published", "company": { "id": "c0caa75b-cc98-45c5-9b6b-198af2014025", "name": "PayPal", "slug": "paypal", "industry": "FinTech" }, "policy": { "id": "c28fb784-5012-4696-8c70-505d4185972a", "name": "Privacy Statement", "type": "privacy", "jurisdiction": "EU" }, "screening": { "overallRisk": "High", "overallScore": 7, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/f21e62b7-844f-464b-8f11-871c42b3c506", "evidence": "https://policywatcher.online/evidence/f21e62b7-844f-464b-8f11-871c42b3c506", "evidenceJson": "https://policywatcher.online/api/evidence-packet/f21e62b7-844f-464b-8f11-871c42b3c506?format=json" } } } } }, { "signalId": "signal-policywatcher-f3173b06-e116-4be0-bda3-272c3a919124", "changeId": "f3173b06-e116-4be0-bda3-272c3a919124", "signalDigest": "def1a3a5156013da9361074d22137a5d06d91ed13a37c158d0023201d7ec52ba", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-09T09:15:31.682Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-f3173b06-e116-4be0-bda3-272c3a919124", "observedAt": "2026-10-09T02:46:14.264Z", "source": { "sourceId": "policywatcher-change-f3173b06-e116-4be0-bda3-272c3a919124", "title": "Anthropic: Acceptable Use Policy", "url": "https://policywatcher.online/change/f3173b06-e116-4be0-bda3-272c3a919124", "publisher": "PolicyWatcher", "checkedAt": "2026-10-09T02:46:14.264Z" }, "summary": "The updated policy significantly tightens rules against harmful AI uses, adding protections against manipulation, NCII, and clarifying security research.", "changeType": "unknown", "subjects": [ "anthropic", "aup", "Acceptable Use Policy" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "f3173b06-e116-4be0-bda3-272c3a919124", "eventType": "policy.change.published", "company": { "id": "83da1ad9-8891-4372-a9db-bdf82c894d2a", "name": "Anthropic", "slug": "anthropic", "industry": "Tech Giant" }, "policy": { "id": "54ee97fb-bc87-41ff-837d-2a06184e99a5", "name": "Acceptable Use Policy", "type": "aup", "jurisdiction": "Global" }, "screening": { "overallRisk": "Medium", "overallScore": 4, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/f3173b06-e116-4be0-bda3-272c3a919124", "evidence": "https://policywatcher.online/evidence/f3173b06-e116-4be0-bda3-272c3a919124", "evidenceJson": "https://policywatcher.online/api/evidence-packet/f3173b06-e116-4be0-bda3-272c3a919124?format=json" } } } } }, { "signalId": "signal-policywatcher-f3a9bab1-4c7c-4808-9c69-2da6963c3a5b", "changeId": "f3a9bab1-4c7c-4808-9c69-2da6963c3a5b", "signalDigest": "85705e3bc95bb9cd50d330f3bbdbc7926c3f73350500a011397f3b34f9756c49", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-06T05:17:53.761Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-f3a9bab1-4c7c-4808-9c69-2da6963c3a5b", "observedAt": "2026-09-23T17:22:41.102Z", "source": { "sourceId": "policywatcher-change-f3a9bab1-4c7c-4808-9c69-2da6963c3a5b", "title": "Klarna: Terms of Service", "url": "https://policywatcher.online/change/f3a9bab1-4c7c-4808-9c69-2da6963c3a5b", "publisher": "PolicyWatcher", "checkedAt": "2026-09-23T17:22:41.102Z" }, "summary": "The updated Klarna Terms of Service include a minor clarification on cashback eligibility, but core data collection and AI personalization practices remain unchanged.", "changeType": "unknown", "subjects": [ "klarna", "terms", "Terms of Service" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "f3a9bab1-4c7c-4808-9c69-2da6963c3a5b", "eventType": "policy.change.published", "company": { "id": "fc0a9a77-eb4b-432a-8229-00185c53d30e", "name": "Klarna", "slug": "klarna", "industry": "FinTech" }, "policy": { "id": "f0281764-cc55-4db9-b9ed-d6f6ab9811fb", "name": "Terms of Service", "type": "terms", "jurisdiction": "EU" }, "screening": { "overallRisk": "Medium", "overallScore": 6, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/f3a9bab1-4c7c-4808-9c69-2da6963c3a5b", "evidence": "https://policywatcher.online/evidence/f3a9bab1-4c7c-4808-9c69-2da6963c3a5b", "evidenceJson": "https://policywatcher.online/api/evidence-packet/f3a9bab1-4c7c-4808-9c69-2da6963c3a5b?format=json" } } } } }, { "signalId": "signal-policywatcher-f863326f-229b-4494-8b13-239f8fcd72a4", "changeId": "f863326f-229b-4494-8b13-239f8fcd72a4", "signalDigest": "ba466eb9c632e4c72a2056b0caf8032dc07aade5a530270de71c89b51546bbe6", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-08-26T19:24:38.254Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-f863326f-229b-4494-8b13-239f8fcd72a4", "observedAt": "2026-07-24T20:56:45.188Z", "source": { "sourceId": "policywatcher-change-f863326f-229b-4494-8b13-239f8fcd72a4", "title": "Google: Privacy Policy", "url": "https://policywatcher.online/change/f863326f-229b-4494-8b13-239f8fcd72a4", "publisher": "PolicyWatcher", "checkedAt": "2026-07-24T20:56:45.188Z" }, "summary": "Google's policy update improves structure and hints at clearer data transfer rules, but extensive data collection practices persist.", "changeType": "unknown", "subjects": [ "google", "privacy", "Privacy Policy" ], "jurisdictions": [ "EU" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. PALO remains responsible for applicability, risk, controls, decisions and accountable human review.", "policyWatcherRecord": { "changeId": "f863326f-229b-4494-8b13-239f8fcd72a4", "eventType": "policy.change.published", "company": { "id": "3e20dca5-ce3f-4e7e-930c-7aa4753a789d", "name": "Google", "slug": "google", "industry": "Tech Giant" }, "policy": { "id": "4b255c8b-197c-4046-b848-bce7e1485583", "name": "Privacy Policy", "type": "privacy", "jurisdiction": "EU" }, "screening": { "overallRisk": "Medium", "overallScore": 6, "boundary": "AI-assisted screening output for human review; not a legal, compliance or PALO risk verdict." }, "links": { "change": "https://policywatcher.online/change/f863326f-229b-4494-8b13-239f8fcd72a4", "evidence": "https://policywatcher.online/evidence/f863326f-229b-4494-8b13-239f8fcd72a4", "evidenceJson": "https://policywatcher.online/api/evidence-packet/f863326f-229b-4494-8b13-239f8fcd72a4?format=json" } } } } }, { "signalId": "signal-policywatcher-fa92863a-4ba8-4ef9-9500-72fb44bb63c0", "changeId": "fa92863a-4ba8-4ef9-9500-72fb44bb63c0", "signalDigest": "3cfad6aa02e23d78988603d8f025b343eed5d5ac6f67a6b4032c94ef62fa9a60", "transportStatus": "active", "reviewState": "pending-human-review", "firstAcceptedAt": "2026-10-06T05:17:53.761Z", "lastValidatedAt": "2026-10-28T13:06:04.436Z", "revokedAt": null, "signal": { "format": "palo-policywatcher-signal", "schemaVersion": "1.0.0", "signalId": "signal-policywatcher-fa92863a-4ba8-4ef9-9500-72fb44bb63c0", "observedAt": "2026-09-23T17:16:30.947Z", "source": { "sourceId": "policywatcher-change-fa92863a-4ba8-4ef9-9500-72fb44bb63c0", "title": "Meta: Terms of Service", "url": "https://policywatcher.online/change/fa92863a-4ba8-4ef9-9500-72fb44bb63c0", "publisher": "PolicyWatcher", "checkedAt": "2026-09-23T17:16:30.947Z" }, "summary": "The updated Meta Terms remove specific rules for automated data collection, potentially increasing Meta's discretion over how data is accessed.", "changeType": "unknown", "subjects": [ "meta", "terms", "Terms of Service" ], "jurisdictions": [ "Global" ], "confidence": { "level": "high", "score": 1, "rationale": "The handoff is emitted only after the PolicyWatcher public-evidence gate; policy significance and applicability remain unreviewed." }, "authority": { "status": "non-authoritative-monitoring-signal", "disclaimer": "This is a non-authoritative monitoring signal, not legal advice, a compliance verdict, an applicability determination or a PALO gate decision." }, "suggestedHandoff": { "module": "PALO_RegulatoryWatch", "eventName": "palo:policywatcher:signal", "reviewGateIds": [ "measure", "prove" ] }, "extensions": { "contractOwner": "PALO", "canonicalSchema": "https://paloframework.org/schemas/policywatcher-signal.schema.json", "handoffBoundary": "PolicyWatcher exports only an already-public, evidence-gated observation. 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