Get the weekly digest
Every policy change across 844 tracked documents, once a week. No account needed.
Ramp updated its Terms of Service on July 18, 2026 with substantial changes across multiple operational areas. The update adds regional schedule provisions for UK and EU users, expands sanctions compliance to include Canada, the EU, and the UK in addition to US OFAC sanctions, modifies subscription billing language to remove the default monthly term option, refines intellectual property license terms, and adds clarifying language around electronic signatures and data obligations. The update also broadens the scope of withholding tax reimbursement obligations and clarifies notification procedures for account security incidents.
The updated terms now require businesses in the UK and EU to comply with regional schedules applicable to their domicile, introducing jurisdiction-specific obligations. Subscription billing no longer defaults to monthly terms; instead, terms are offered by Ramp and must be affirmatively selected by the company. The agreement expands prohibited use restrictions to include not just US-sanctioned entities but also those sanctioned by Canada, the EU, and the UK. Additionally, the terms now explicitly state that electronic signatures are conclusive evidence of intent to be bound, and withholding tax reimbursement obligations apply to all fees, not just subscription fees.
The introduction of UK and EU regional schedules creates a jurisdiction-dependent compliance framework that significantly affects how businesses in those regions operate under the agreement. The expansion of sanctions screening to four regimes instead of one materially increases transaction screening complexity and risk exposure for international payment operations. The removal of default monthly billing terms shifts the onus to customers to affirmatively select renewal periods, which may affect contract management and customer retention mechanics.
→ If your company is domiciled in the UK or EU, obtain and review the applicable regional schedule to understand any jurisdiction-specific terms.
→ Review your Ramp subscription settings to confirm the billing term that is currently selected, as monthly defaults no longer apply.
→ If you do not review the regional schedules, you remain bound by jurisdiction-specific terms applicable to your domicile that may differ from the primary agreement.
→ Continued use of Ramp constitutes acceptance of the updated sanctions screening scope, which now includes Canadian, EU, and UK-sanctioned entities in addition to OFAC-listed parties.
New jurisdiction-specific terms now apply to UK and EU customers based on domicile, creating differentiated compliance frameworks.
Screening obligations expanded from US OFAC alone to include Canadian, EU, and UK sanctions regimes.
Monthly default term option removed; all billing terms must be affirmatively selected by the customer from Ramp-offered options.
This change record describes what was added, removed, or modified in the document. Analysis reflects what the updated agreement states or permits. It does not constitute a legal determination about enforceability. Applicability may vary by jurisdiction. Methodology
If your company is based in the UK or EU, you are now subject to additional terms that apply specifically to your region.
When screening customers and counterparties, you must now check against four sanctions regimes instead of one, significantly increasing screening scope.
Your company must now reimburse Ramp for withholding taxes on any payment subject to such tax, not limited to subscription payments.
By electronically signing or accepting these terms digitally, your company and its users are treated as if you signed with a handwritten signature.
This update introduces material changes for compliance teams. The addition of UK and EU regional schedules creates jurisdiction-specific compliance frameworks that must be mapped to customer domiciles. Sanctions screening scope expands from OFAC to include Canadian, EU, and UK regimes, requiring updates to screening protocols and vendor onboarding processes. Subscription billing logic is revised to remove monthly defaults, which may affect customer communication and contract management systems. The terms also clarify that electronic signatures create binding obligations and broaden withholding tax obligations. Organizations with UK, EU, or international customers should review whether their contracts, DPAs, and vendor management processes reflect these changes.
Full compliance analysis
Regulatory exposure, obligation analysis, escalation trigger, board language, and recommended action.
Analyst $49/moConductAtlas provides verified policy intelligence sourced directly from platform documents. All analysis is intended to support, not replace, legal and compliance review. Record CA-C-003816.
We read the privacy policies and terms of service of 38 AI platforms. Here is what they say about training, retention, arbitration, and lia…
Get alerted when this policy changes again — including what changed and why it matters.