This new high-severity provision creates broad employer liability for all account transactions even without authorization, significantly expanding employer responsibility and Gusto's protection from liability.

This provision establishes mandatory administrator designation requirements and grants accountant administrators explicit authorization to pay service fees on the employer's behalf.

This addition implements Anti-Money Laundering and Bank Secrecy Act compliance requirements, requiring extensive identity verification and ongoing monitoring of all administrators.

This provision holds employers liable for administrator compliance while limiting Gusto's obligation to monitor, creating an asymmetric compliance burden.

This provision grants accountant administrators expansive permissions including the ability to invite additional administrators and enable third-party services, significantly expanding potential access to employer accounts.

This new provision restricts employer ability to authorize third-party access and data scraping, even with employer consent, unless Gusto explicitly authorizes it.

This provision incorporates an external Acceptable Use Policy by reference, potentially binding employers to requirements not fully detailed in the main terms.

Removal of this high-severity cap on Gusto's liability (previously limited to 12 months of fees paid) eliminates a crucial protection for employers and could expose them to uncapped damages claims.

Removal of explicit indemnification language may reduce employer obligations to defend Gusto, though liability may be addressed elsewhere in revised terms.

Removal of explicit termination-without-cause language may provide employers greater protection, though Gusto likely retains termination rights elsewhere.

Removal of this provision eliminates explicit employer grant of data license rights to Gusto, potentially clarifying data ownership but also removing clarity on Gusto's data usage permissions.

Removal of this explicit accuracy responsibility provision may reduce employer liability for data errors, though this responsibility may be addressed in new provisions.

Removal of explicit intellectual property ownership language eliminates clarity on Gusto's IP rights, though such rights are likely assumed and may be addressed in updated terms.

Removal of explicit California governing law and San Francisco venue provisions eliminates clarity on which jurisdiction controls disputes, though this may be addressed in updated terms.

Removal of explicit terms modification procedure eliminates clarity on notice requirements and acceptance mechanisms for future changes.

Removal of explicit as-is warranty disclaimer eliminates clear statement that Gusto provides no service guarantees, potentially strengthening employer claims for service failures.

Language changed from generic 'You and Gusto' to specific 'Employer and Gusto', removed reference to American Arbitration Association rules, and added explicit notice format with enumerated understanding points.