If Snapchat's service causes you harm — such as a data breach exposing your private photos, or loss of content — you can only recover a maximum of $100 from Snap in most circumstances, regardless of the actual damage caused.
Snapchat's Terms grant the company a broad, royalty-free, worldwide license to use, reproduce, modify, and distribute anything you post — including photos, videos, and messages — which persists even after you delete content in some contexts. US users waive their right to participate in class action lawsuits and must resolve disputes through binding individual arbitration, which significantly limits legal recourse. You can review and adjust your privacy and data settings within the Snapchat app under Settings > Privacy Controls to limit some forms of data use.