6 Documents
101 All provisions 39 High severity 51 Medium severity 11 Low severity
7 Changes · 12 mo
Jul 1, 2026 Last change

High, provisions that significantly limit your legal rights, authorize broad data collection, or create material financial exposure. Medium, provisions worth knowing about but with partial protections or limited scope. Low, standard terms with minimal consumer impact.

Governance Coverage
Legal Jurisdiction
116 provisions · 29 high · 84 med
Restricted Content
79 provisions · 45 high · 34 med
Data Sharing
68 provisions · 10 high · 45 med
Contract Terms
57 provisions · 16 high · 38 med
Acceptable Use
36 provisions · 25 high · 10 med
Arbitration
30 provisions · 16 high · 14 med
Payment Fees
29 provisions · 16 high · 12 med
Liability Limitation
25 provisions · 16 high · 9 med
Privacy Rights
25 provisions · 3 high · 20 med
Intellectual Property
22 provisions · 10 high · 10 med
Quick Facts
Arbitration: Mandatory
AI Training: Disclosed (high impact)
Data Retention: Specified
Class Action: Waived
Key Governance Provisions
High Issuing Business Location Must Match Registration and Owner

This matching requirement imposes a geographic consistency obligation that may disqualify businesses with distributed ownership or registration structures that do not align physically.

High US right to opt out of targeted advertising and data sharing

An opt-out right for targeted advertising and associated data sales or sharing gives users a mechanism to limit a category of data use identified elsewhere in the policy.

High US Class Action Waiver Individual Proceedings Only

This waiver prevents users from joining together in class or representative actions, requiring each user to pursue claims individually, which may reduce practical access to relief.

High Export Control Restrictions on Stripe Technology

This restriction exposes users to potential violations if they provide Stripe Technology access to persons in High-Risk Jurisdictions, regardless of intent.

High Binding Arbitration for Most Disputes

Binding arbitration before a single arbitrator removes the user's right to have disputes decided by a judge or jury in court.

Document Coverage
Acceptableusepolicy Privacypolicy Subprocessorlist Termsofservice
Last change detected: Jul 1, 2026 Changes (12 months): 7 Documents monitored: 6 Provisions tracked: 101

Documents

Stripe Service Providers (Sub-Processors)

Medium

This document lists the outside companies Stripe uses to help run its services and explains what data goes to each one, where it is processed, and why. If Stripe adds …

Last updated July 6, 2026 · Sub processor list
10 provisions 1 version captured Version history →

Stripe Acceptable Use Policy

Medium

Stripe's Acceptable Use Policy sets out what you can and cannot do with the End User Services. You may only use them for your own personal purposes—no business or commercial …

Last updated May 20, 2026 · Acceptable use policy
6 provisions 2 versions captured Version history →

Stripe Connect Platform Agreement

Medium

This agreement governs how your Stripe account works when a third-party platform connects to it. Stripe can end the agreement at any time for any reason with notice, and a …

Last updated May 20, 2026 · Terms of service
7 provisions 2 versions captured Version history →

Stripe Restricted Businesses List

Medium

This document is Stripe's list of businesses and activities it will not support as a payment processor. If your business falls into a prohibited category—such as adult services, gambling, or …

Last updated May 20, 2026 · Acceptable use policy
10 provisions 2 versions captured Version history →

Stripe Terms of Service

High

This document sets out the rules for using Stripe's payment services: you must use Stripe only for your business, you cannot get refunds on fees, and if you have a …

Last updated May 5, 2026 · Terms of service
10 provisions 3 versions captured Version history →

Stripe Privacy Policy

Medium

This policy explains what data Stripe collects about you, how it uses and shares that data, and what rights you have. Stripe can collect information you type into a checkout …

Last updated May 5, 2026 · Privacy policy
7 provisions 7 versions captured Version history →
📈 Policy Drift Analysis View all changes →

High Severity Provisions (38)

View all high severity provisions → Compare Stripe with other platforms →

Applicable Regulations

CCPA/CPRA
California, USA
View official text ↗
CFAA
United States Federal
View official text ↗
Connecticut Data Privacy Act Amendments
US-CT
View official text ↗
CAN-SPAM
United States Federal
View official text ↗
EFTA / Reg E
United States Federal
View official text ↗
ePrivacy Directive
European Union
View official text ↗
FCRA
United States Federal
View official text ↗
FAA
United States Federal
View official text ↗
FTC Act Section 5
United States Federal
View official text ↗
GDPR
European Union
View official text ↗
GLBA
United States Federal
View official text ↗
Indiana Consumer Data Protection Act
US-IN
View official text ↗
Kentucky Consumer Data Protection Act
US-KY
View official text ↗
UK GDPR
United Kingdom
View official text ↗
Universal Opt-Out Mechanism Expansion 2026
US
View official text ↗

Related Analysis

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Stripe's Reserve and Hold Authority: What the Terms Authorize

Stripe's terms authorize fund reserves, payout withholding, and account termination. Here is what the agreement states and what business ow…

Dependency Governance · May 27, 2026
When Infrastructure Providers Govern Platforms

The Kickstarter-Stripe controversy reveals how payment processors, cloud providers, and AI platforms quietly shape downstream policy decisi…

Dependency Governance · June 11, 2026
When AI Agents Start Paying for Things: Who Governs Machine-to-Machine Commerce?

Mastercard, Stripe, and Cloudflare are building payment infrastructure for autonomous AI agents. The governance layer is not keeping pace.

Frequently Asked Questions

What Stripe documents does ConductAtlas track?

ConductAtlas tracks 6 Stripe documents including terms of service, privacy policy, and other governance documents. Every document is captured daily with cryptographic verification.

How many policy changes has Stripe made in the past year?

Stripe has made 7 policy changes in the past 12 months across the documents ConductAtlas tracks.

How many provisions has ConductAtlas classified for Stripe?

ConductAtlas has classified 101 provisions across Stripe's tracked documents. 39 are rated high severity, 51 medium, and 11 low.

Can I get alerts when Stripe changes their policies?

Yes. Monitor subscribers ($4.99/month) can add Stripe to their watchlist and receive same-day email alerts whenever any tracked document changes.