This analysis describes what Apple Pay's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
The updated terms establish new restrictions on how users may employ Apple's services and content. Users are now explicitly prohibited from using Services, Content, or any outputs from them to train, fine-tune, or improve any artificial intelligence model or other software. For subscription commitments, refunds are limited to periods of access already paid for but not yet provided, with no refund due for future billing periods where payment has not yet been collected. Free trials or offers cannot be combined with any Apple Bundle (expanded from Apple One only), and trials will not be paused if you subscribe to an Apple Bundle, even if you have access to the same subscription through the bundle. You can cancel your subscription in your account settings at any time without additional charge if you do not wish to receive added services or features.
View change record →How other platforms handle this
If you are an individual consumer in an Applicable Country that requires consumer contracts to be governed by the laws of the Applicable Country, the Terms will be governed by the laws of the Applicable Country...
California law will govern these Terms except for its conflicts of laws principles.
The Agreement is governed by the laws of the State of California, excluding conflicts of law provisions.
"If you are a citizen of any European Union country or the United Kingdom, Switzerland, Norway or Iceland, the governing law and forum shall be the laws and courts of your usual place of residence.Excerpt from Apple Pay's Apple Media Services Terms
Get the weekly coverage letter
Companies change their terms without announcing it. We capture governance documents, compare each new version with the last, and publish what changed, with the source text behind it. One email a week on what we found and what we could not reach.
The clause states: “If you are a citizen of any European Union country or the United Kingdom, Switzerland, Norway or Iceland, the governing law and forum shall be the laws and courts of your usual place of residence.”
ConductAtlas has identified this type of provision across 263 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Apple Pay.