Automated or technological fraud evaluation may be applied to individuals before or during a transaction, affecting how Stripe assesses and responds to those interactions.
Consumer impact
If you attempt a transaction or seek Stripe's Business Services, Stripe may use technology to evaluate your potential fraud risk.
Opt-out available
No opt-out available
Actual clause text
we might use technology to evaluate the potential risk of fraud associated with individuals seeking to procure our Business Services or arising from attempted transactions by an End Customer or End User...
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Users bear an explicit prohibition against using the tools for consequential decisions, which limits reliance on AI-generated outputs in high-stakes contexts.
Consumer impact
The reader is prohibited from using or attempting to use PayPal's Agentic AI Tools for any decision with legal, medical, financial, or employment implications.
Opt-out available
No opt-out available
Actual clause text
Our Agentic AI Tools are not designed to make decisions that have legal or similarly significant effects, such as decisions with legal, medical, financial, or employment implications, and you must not use (or attempt to use) them for any such purpose.
AI-extracted from source document. Verify against original for legal use.
PayPal added new language to its User Agreement clarifying how business accounts can use the Send M…
AI Difference AnalysisInsight
Stripe's arbitration clause is narrower than Amazon's in one key respect: it includes a small claims court carve-out that Amazon's clause does not. PayPal's clause is the most aggressive of the three, explicitly waiving jury trial rights in addition to class action rights. From a compliance perspective, Amazon presents the lowest risk for B2B contracts while PayPal creates the highest exposure for consumer-facing applications subject to CFPB oversight.
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