This analysis describes what Plaid'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 exclusion and cap establish defined boundaries on recoverable damages in disputes, which structures the risk allocation between Plaid and users under the agreement. The cap's specification means recovery is restricted to a defined monetary threshold regardless of actual harm claimed.
Users accept that claims against Plaid are subject to a liability cap, meaning damages recovered cannot exceed the greater of prior 12-month payments or $100, and certain categories of damages are categorically excluded from recovery. This provision applies to all claims arising from or related to the terms or services.
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"TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL PLAID, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PLAID'S TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES IS LIMITED TO THE GREATER OF (A) THE AMOUNTS YOU HAVE PAID TO PLAID IN THE PAST TWELVE MONTHS OR (B) ONE HUNDRED DOLLARS ($100).— Excerpt from Plaid's Plaid Terms of Use
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The exclusion and cap establish defined boundaries on recoverable damages in disputes, which structures the risk allocation between Plaid and users under the agreement. The cap's specification means recovery is restricted to a defined monetary threshold regardless of actual harm claimed.
Users accept that claims against Plaid are subject to a liability cap, meaning damages recovered cannot exceed the greater of prior 12-month payments or $100, and certain categories of damages are categorically excluded from recovery. This provision applies to all claims arising from or related to the terms or services.
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