You agree to give up your right to join a class action lawsuit against Public and your right to a jury trial. Any dispute must be handled individually, not as part of a group.
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
The clause modifies the dispute resolution mechanism by channeling all claims through individual arbitration rather than court litigation, and eliminates the procedural option of aggregated class proceedings, which affects how disputes are processed and adjudicated.
This provision effectively removes consumers' most powerful collective legal tool, making it economically unviable to pursue small-value claims against Public. Combined with mandatory arbitration, it significantly limits accountability.
How other platforms handle this
If, however, this Class Action Waiver is deemed invalid or unenforceable with respect to a particular Dispute...neither you nor Chegg will be entitled to arbitration of such Dispute.
the arbitration provider, National Arbitration and Mediation ("NAM"), shall not accept or administer any demand for arbitration and shall administratively close any arbitration unless the Party bringing such demand for arbitration can certify in writing that the terms...were fully satisfied.
Neither you nor we may elect arbitration of any claims seeking only individualized relief asserted by you or us in small claims court, so long as the action remains in that court and is not removed or appealed de novo...
"YOU AND PUBLIC.COM AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. YOU UNDERSTAND AND AGREE THAT, BY ENTERING INTO THESE TERMS, YOU AND PUBLIC.COM ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.Excerpt from Public.com's Terms of Service
Class action waivers in consumer financial contracts are subject to ongoing regulatory and judicial scrutiny.
Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.
Coinbase's User Agreement includes a mandatory arbitration clause that most users may not have reviewed. Here is what the clause states and how the opt-out process works.
561 arbitration provisions across 197 platforms. ConductAtlas tracks how dispute resolution is being restructured across the internet.
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The clause modifies the dispute resolution mechanism by channeling all claims through individual arbitration rather than court litigation, and eliminates the procedural option of aggregated class proceedings, which affects how disputes are processed and adjudicated.
This provision effectively removes consumers' most powerful collective legal tool, making it economically unviable to pursue small-value claims against Public. Combined with mandatory arbitration, it significantly limits accountability.
ConductAtlas has identified this type of provision across 205 platforms. See the full comparison.
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