This analysis describes what Ramp'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
Because class and collective actions are waived, the reader cannot join or initiate group claims against Ramp, limiting the practical ability to pursue smaller individual disputes.
Interpretive note: The canonical claim states the primary proposition (individual arbitration required) but also captures the mutual prohibition on collective/mass arbitration, which is an independent legal effect noted in omitted_material.
The updated terms clarify tax responsibilities: Company is responsible for all taxes associated with purchases except taxes based on Ramp's income, property, or employees. Where Ramp is legally required to collect taxes, Ramp will invoice them separately and Company must pay unless Company provides a valid exemption certificate. Company must also keep tax registration information current and self-assess taxes where applicable law requires it. For users of stablecoin-funded cards, the new Stablecoin Card Addendum now governs those cards. For users generating content via Ramp SaaS services, Company owns the Generated Content but must review it for accuracy, infringement, and third-party rights issues before use, and Ramp retains ownership of any Ramp Property embedded in that content.
View change record →The updated terms establish stronger protections for subscription customers by removing Ramp's ability to terminate their accounts without cause on 30 days' notice. Non-subscription business accounts remain subject to termination without cause. The agreement also clarifies that Ramp will limit collection of Personal Data accessed through third-party integrations to what is 'reasonably necessary for the provision of the Services,' and that all data use must comply with applicable law. Warranty disclaimers have been expanded to explicitly cover conditions and representations, not just warranties. Canadian customers now contract with a Canadian entity (Ramp Business Canada Corporation) under supplemental terms.
View change record →The updated terms establish that regional schedules now apply based on the jurisdiction where your company is domiciled, meaning UK and EU customers will operate under separate regional terms. Ramp has expanded its sanctions compliance framework to prohibit use by individuals, organizations, or countries sanctioned by the United States, Canada, the European Union, or the United Kingdom, broadening the scope of restricted entities beyond prior US-only OFAC restrictions. Subscription billing terms have been revised to reflect term-based pricing (such as annual) as offered and selected, rather than defaulting to monthly billing. You can review the applicable regional schedule for your jurisdiction to understand which Ramp entity governs your account and what local terms apply.
View change record →The reader must arbitrate any dispute alone and cannot join other claimants or participate in any coordinated or mass arbitration proceeding.
How other platforms handle this
if a court decides that any of the provisions in the Prohibition of Class and Representative Actions...is invalid or unenforceable because it would prevent the exercise of a non-waivable right to pursue public injunctive relief...
13.4 If any part of terms of this Section 12 is found to be illegal or unenforceable, the remainder will remain in effect, except that if a finding of partial illegality or unenforceability would allow class arbitration, class action, or representative action, this entire dispute resolution section ...
If, after exhaustion of all appeals, any of these prohibitions...are found to be unenforceable with respect to a particular claim or request for relief...then such a claim or request for relief will be decided by a court of competent jurisdiction...
"The arbitration of any Dispute shall proceed on an individual basis and not as a class, group, or representative action (collectively, a "Class Action"). Further, neither Company nor Ramp may bring a claim as a part of a collective, coordinated, consolidated, or mass arbitration.Excerpt from Ramp's Terms of Service
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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Because class and collective actions are waived, the reader cannot join or initiate group claims against Ramp, limiting the practical ability to pursue smaller individual disputes.
The reader must arbitrate any dispute alone and cannot join other claimants or participate in any coordinated or mass arbitration proceeding.
ConductAtlas has identified this type of provision across 196 platforms. See the full comparison.
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