Public.com's total liability to any user for all claims related to the Public Service is capped at the greater of the amount the user paid to Public.com in the prior 12 months or $100. This cap covers all claim types, including contract, tort, and statutory claims.
This analysis describes what Public.com'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 establishes a maximum financial recovery ceiling for all claims against Public.com arising from use of the Public Service, regardless of the nature or magnitude of the underlying claim. The $100 floor means that users who have paid little or nothing to Public.com have a very low maximum recovery under these terms.
⚠ Claims against Public.com will be subject to the $100 or prior-year-fees liability ceiling as written in the agreement
Cross-platform context
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Compare across platforms →"EXCEPT AS PROVIDED IN SECTION 18.5 AND TO THE FULLEST EXTENT PERMITTED BY LAW, THE AGGREGATE LIABILITY OF THE PUBLIC.COM ENTITIES TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE USE OF OR ANY INABILITY TO USE ANY PORTION OF THE PUBLIC SERVICE OR OTHERWISE UNDER THESE TERMS, WHETHER IN CONTRACT, TORT, OR OTHERWISE, IS LIMITED TO THE GREATER OF: (A) THE AMOUNT YOU HAVE PAID TO PUBLIC.COM FOR ACCESS TO AND USE OF THE SERVICE IN THE 12 MONTHS PRIOR TO THE EVENT OR CIRCUMSTANCE GIVING RISE TO CLAIM; OR (B) $100.Excerpt from Public.com's Terms of Service
1) REGULATORY LANDSCAPE: The enforceability of low aggregate liability caps in consumer financial services contracts may be subject to scrutiny by state consumer protection authorities and the FTC.
Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.
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This provision establishes a maximum financial recovery ceiling for all claims against Public.com arising from use of the Public Service, regardless of the nature or magnitude of the underlying claim. The $100 floor means that users who have paid little or nothing to Public.com have a very low maximum recovery under these terms.
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