If something goes wrong with Riot Games' services, the maximum they will pay you is the greater of what you paid them in the last 90 days or $100, regardless of how much harm you suffered.
This analysis describes what Riot Games'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 cap means that even if you have spent hundreds or thousands of dollars on in-game purchases and suffer a significant loss due to Riot Games' actions, your maximum recovery under the agreement is capped at a relatively small amount.
Interpretive note: The enforceability of the $100 liability cap may vary by jurisdiction; EU, UK, and certain US state consumer protection frameworks may limit the effectiveness of this cap, particularly where harm results from company negligence or breach of statutory duty.
Players who have made large in-game purchases are most affected by this liability cap, which limits Riot Games' maximum financial responsibility to $100 or 90 days of the player's spending, even in cases of significant service failures or account loss.
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You will remain responsible for any amounts you fail to pay in connection with your subscription, including collection costs, bank overdraft fees, collection agency fees, reasonable attorneys' fees, and arbitration or court costs.
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"To the fullest extent permitted by applicable law, Riot Games will not be liable to you for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to damages for loss of profits, loss of goodwill, loss of data, loss of virtual items or virtual currency, service interruptions, or cost of substitute services. In no event will Riot's aggregate liability to you exceed the greater of the amount you paid to Riot in the 90 days preceding your claim or one hundred dollars ($100).— Excerpt from Riot Games's Riot Games Terms of Service
REGULATORY LANDSCAPE: Liability limitation clauses in consumer contracts are subject to consumer protection law review in many jurisdictions. EU Directive 93/13/EEC on unfair contract terms may render disproportionately low liability caps unenforceable in EU consumer contracts. UK consumer rights law similarly limits the enforceability of liability exclusions for consumer contracts. The FTC may review limitations of liability that effectively prevent consumers from obtaining meaningful redress for company-caused harm. GOVERNANCE EXPOSURE: High. The $100 or 90-day-spend cap, combined with the no-refund and no-compensation provisions for virtual goods, means that consumers who experience significant harm may have no meaningful financial recourse under the agreement. This stacking of liability-limiting provisions is notable in the context of a platform where users may spend thousands of dollars. JURISDICTION FLAGS: EU and UK consumer protection law may limit the enforceability of this cap where Riot Games' actions constitute gross negligence, fraud, or a breach of statutory duty. California's consumer protection statutes may similarly limit blanket liability caps in certain circumstances. The adequacy of the cap under applicable law should be assessed in each major operating market. CONTRACT AND VENDOR IMPLICATIONS: Enterprise or developer partners relying on Riot Games services for commercial purposes should not rely on this consumer-facing liability limitation as the basis for commercial risk assessment; separate commercial agreements with appropriate liability terms should be negotiated. COMPLIANCE CONSIDERATIONS: Legal teams should assess whether the $100 cap is defensible under applicable consumer protection law in each jurisdiction, particularly the EU and UK. Internal procedures for handling consumer complaints and claims should account for the possibility that this cap may not be enforceable in all markets.
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This cap means that even if you have spent hundreds or thousands of dollars on in-game purchases and suffer a significant loss due to Riot Games' actions, your maximum recovery under the agreement is capped at a relatively small amount.
Players who have made large in-game purchases are most affected by this liability cap, which limits Riot Games' maximum financial responsibility to $100 or 90 days of the player's spending, even in cases of significant service failures or account loss.
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