14 unchanged sentences
We have seen evidence that COVID-19 has adversely affected certain segments and originations volume, which may impact future revenue.
−Removed: We are unable to accurately predict the complete impact that COVID-19 will have on our future results of operations, financial condition, liquidity and cash flows due to numerous uncertainties, including the severity and transmission rate of the virus, the duration of the outbreak, the extent and effectiveness of containment actions, the effectiveness of any medical treatment and prevention options, and the impact of these and other factors on us, our employees, customers, partners and vendors, and on worldwide and U.S.
+Added: We are unable to accurately predict the complete impact that COVID-19 will have on our future results of operations, financial condition, liquidity and cash flows due to numerous uncertainties, including the severity and transmission rate of the virus and its variants, the duration and any resurgence of the outbreak, the extent and effectiveness of containment actions, the effectiveness of any medical treatment and prevention options, and the impact of these and other factors on us, our employees, customers, partners and vendors, and on worldwide and U.S.
economic conditions.
69 unchanged sentences
If we fail to keep up with rapidly changing technologies, our products could become less competitive or obsolete.
−Removed: In our markets, technology changes rapidly, and there are continuous improvements in computer hardware, network operating systems, programming tools, programming languages, operating systems, database technologies, cloud-based
−Removed: technologies and the use of the Internet.
+Added: In our markets, technology changes rapidly, and there are continuous improvements in computer hardware, network operating systems, programming tools, programming languages, operating systems, database technologies, cloud-based technologies and the use of the Internet.
If we fail to enhance our current products and develop new products in response to changes in technology or industry standards, or if we fail to bring product enhancements or new product developments to market quickly enough, our products could rapidly become less competitive or obsolete.
232 unchanged sentences
A decision in July 2020 by the Court of Justice of the European Union ( i.e.
−Removed: , Schrems II), calls into question certain data transfer mechanisms between the E.U.
−Removed: The decision may have an adverse impact on cross-border transfers of personal data, may subject us to additional scrutiny from E.U.
+Added: , Schrems II), called into question certain data transfer mechanisms between the E.U.
+Added: In June 2021, the European Commission issued new standard contractual clauses (“SCCs”) governing cross-border data transfers and data exchanges among controllers and processors, which reflect more recent data protection laws, such as the GDPR, and account for the analysis in the Schrems II decision.
+Added: We will be required to transition to the new SCCs, which may involve interpretive issues and may have an adverse impact on cross-border transfers of personal data, may subject us to additional scrutiny from E.U.
regulators or may increase our costs of compliance.
1 unchanged sentence
The California Consumer Privacy Act of 2018 (“CCPA”) gives California residents certain privacy rights in the collection and disclosure of their personal information and requires businesses to make certain disclosures and take certain other acts in furtherance of those rights.
−Removed: A new privacy law, the California Privacy Rights Act (“CPRA”), passed via a ballot referendum in November 2020, and will revise and expand the scope of the CCPA.
+Added: A new privacy law, the California Privacy Rights Act, passed via a ballot referendum in November 2020, and will revise and expand the scope of the CCPA.
states have considered and/or enacted similar privacy laws.
88 unchanged sentences
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.