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.
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"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 Public.com Terms of Service
Class action waivers in consumer financial contracts are subject to ongoing regulatory and judicial scrutiny. Under Dodd-Frank, the CFPB previously attempted to restrict such waivers in financial services; legal teams should monitor current enforcement posture and state-law challenges.
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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.
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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 13 platforms. See the full comparison.
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