The agreement requires that most disputes be resolved through binding JAMS arbitration conducted by a single arbitrator in San Francisco, California, with carve-outs for injunctive relief and intellectual property claims, which may be brought in court.
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
This provision requires arbitration as the exclusive dispute resolution mechanism for most claims arising under the Developer Terms, directing proceedings to a specific private forum, geographic location, and procedural ruleset. The carve-outs for injunctive and IP claims preserve court access for those categories.
Under this clause, clients must resolve most contractual disputes through JAMS arbitration in San Francisco rather than through court proceedings, with the exception of intellectual property and injunctive relief claims. The agreement states that arbitral decisions may be enforced in any court.
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Compare across platforms →"Except for claims for injunctive or equitable relief or claims regarding intellectual property rights (which may be brought in any competent court), any dispute arising under these Terms will be finally settled in accordance with the Comprehensive Arbitration Rules of the Judicial Arbitration and Mediation Service, Inc. ("JAMS") by a single arbitrator appointed in accordance with such Rules. The arbitration will take place in San Francisco, California, USA, in the English language and the arbitral decision may be enforced in any court.Excerpt from Plaid's Terms of Use
REGULATORY LANDSCAPE: Mandatory arbitration clauses in B2B commercial agreements are generally enforceable under the Federal Arbitration Act (FAA) in the United States.
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This provision requires arbitration as the exclusive dispute resolution mechanism for most claims arising under the Developer Terms, directing proceedings to a specific private forum, geographic location, and procedural ruleset. The carve-outs for injunctive and IP claims preserve court access for those categories.
Under this clause, clients must resolve most contractual disputes through JAMS arbitration in San Francisco rather than through court proceedings, with the exception of intellectual property and injunctive relief claims. The agreement states that arbitral decisions may be enforced in any court.
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