This analysis describes what Square'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 updated terms establish a non-compete restriction prohibiting sellers from using Square's Services to build or support competing products or services, with account termination and indefinite fund holds stated as potential consequences for violations. Square now authorizes collection of your business brand assets (names, logos, menus, photos) from publicly available sources and grants itself and its subsidiaries broad rights to use, modify, and prepare derivative works of those assets for Block's business purposes, including developing, training, testing, and improving products and services. The revised payment terms require you to select a primary payment method at signup, and authorize Square to collect fees from that method or, if collection fails, from your transaction proceeds or Square account balance; you represent and warrant that any linked bank account was not established for personal purposes and that you are an authorized user on it.
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If we are unable to resolve the Dispute, either of us may commence arbitration with National Arbitration and Mediation ("NAM") under its Comprehensive Dispute Resolution Rules and Procedures...
The arbitration of any Dispute shall be administered by JAMS and conducted in accordance with the JAMS rules, including any Mass Arbitration Procedures and Guidelines applicable to the Dispute ("JAMS Rules")...
you may reject the change by sending us written notice within 30 days of the change to Credit Karma's address for Notice, in which case your account with Credit Karma will be immediately terminated
"If we and you are not able to resolve the Dispute by informal negotiation or, as provided below, in a small claims court, all Disputes will be resolved finally and exclusively by binding individual arbitration with a single arbitrator...administered by National Arbitration and Mediation ("NAM")...Excerpt from Square'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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The clause states: “If we and you are not able to resolve the Dispute by informal negotiation or, as provided below, in a small claims court, all Disputes will be resolved finally and exclusively by binding individual arbitration with a single arbitrator...administered by National Arbitration and Mediation ("NAM")...”
ConductAtlas has identified this type of provision across 196 platforms. See the full comparison.
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