Notably none of the criteria measured in that rating consider their marketing. So yes their policies and filings exist, but those are not what they're presenting to potential donors, so do not prove the ads are not misleading
Yes, users can go elsewhere to find the information. The records are on file in the metaphorical filing cabinet downstairs. But if the messaging you're putting front and center contradicts said records, their existence doesn't counter criticism of the messaging
"Elsewhere" in this case is the FAQ link at the bottom of the donation page. If a person has questions, that's what an FAQ is for.
Calls to action are kept intentionally short because the research on human psychology is clear: every additional sentence beyond the first few decreases the odds of a conversion (that's adspeak for "closing the deal").
There are laws against fine print for a reason. The front page pop up ad tells a different story than a stack of text heavy articles that require no small amount of technical expertise to figure out.
Wikimedia has a 100/100 transparency rating.
https://www.charitynavigator.org/ein/200049703