Compare refunds & chargebacks governance provisions between OpenAI and Anthropic. Provisions are extracted from monitored governance documents and classified by severity.
The clause operationalizes continuous billing through automatic renewal cycles and establishes that subscription fees operate on a non-refundable basis once charged. This structure requires users to affirmatively manage subscription status to prevent recurring charges at renewal dates.
Consumer impact
Users are subject to automatic recurring charges at each renewal date unless cancellation is initiated, and any fees charged prior to cancellation are retained by the entity regardless of when service access terminates. Service access is guaranteed through the end of the paid term even after cancellation is requested.
Opt-out available
No opt-out available
Actual clause text
Your Subscription will last for the Initial Term and will automatically renew, and your Payment Method will be charged, at the end of the Initial Term for an additional term equal in duration to the Initial Term and will continue to renew and incur charges for additional terms equal in duration to the Initial Term (each such additional term, a 'Renewal Term') until you cancel. In the event of a cancellation, your fees will not be refunded, but your access to the Services will continue through the end of the Initial Term or any Renewal Term for which you previously paid fees.
AI-extracted from source document. Verify against original for legal use.
The Department of Defense designated Anthropic a supply chain risk after the company refused to rem…
AI Difference AnalysisProfessional
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.