5 Documents
73 All provisions 30 High severity 39 Medium severity 4 Low severity
7 Changes · 12 mo
May 19, 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
Privacy Rights
21 provisions · 4 high · 15 med
Acceptable Use
17 provisions · 8 high · 6 med
Data Sharing
12 provisions · 2 high · 10 med
Data Collection
10 provisions · 4 high · 6 med
Data Usage
5 provisions · 1 high · 4 med
Liability Limitation
5 provisions · 3 high · 2 med
Account Control
4 provisions · 3 high · 1 med
Data Retention
4 provisions · 4 med
Payment Fees
4 provisions · 3 high · 1 med
Legal Jurisdiction
4 provisions · 3 med
Quick Facts
Arbitration: Mandatory
AI Training: Disclosed (high impact)
Data Retention: Specified
Key Governance Provisions
High Platform as Data Controller

This provision establishes a data processing relationship in which a third-party platform holds data controller authority over the user's data processed by Stripe, which has direct implications for d…

High Platform Authority Over User Account

This provision establishes that a third party's contractual authority over the user's Stripe account access and service activation is governed by a separate agreement that Stripe is not party to, cre…

High Export Control and Software Transfer Restriction

This provision places an affirmative obligation on users to comply with applicable export control laws when transferring or moving any software or technology associated with the End User Services, wi…

High Sanctions Compliance Requirement

This provision requires users to independently comply with sanctions programs administered by relevant authorities, including OFAC in the United States, and equivalent bodies in other jurisdictions, …

High Unlicensed Financial Services Prohibition

This provision requires financial services businesses to hold applicable licenses before accessing Stripe's payment infrastructure; businesses in the cryptocurrency or payments space that have not ye…

Document Coverage
Acceptableusepolicy Privacypolicy Termsofservice
Last change detected: May 19, 2026 Changes (12 months): 7 Documents monitored: 5 Provisions tracked: 73

Documents

Stripe Acceptable Use Policy

Medium

This is Stripe's Acceptable Use Policy governing how individuals may use Stripe's End User Services, specifying that those services are restricted to personal use only. The policy prohibits a range …

Last updated May 20, 2026 · Acceptable use policy
8 provisions 1 version captured Version history →

Stripe Connect Platform Agreement

Medium

This is the Stripe Connected Account Agreement, which sets out the terms for users whose Stripe accounts are operated through a third-party platform built on Stripe Connect, such as a …

Last updated May 20, 2026 · Terms of service
7 provisions 1 version captured Version history →

Stripe Restricted Businesses List

High

This is Stripe's Prohibited and Restricted Businesses policy, which lists the specific types of businesses, products, and services that cannot use Stripe for payment processing, and those that can only …

Last updated May 20, 2026 · Acceptable use policy
8 provisions 1 version captured Version history →

Stripe Terms of Service

High

This document establishes the terms governing Stripe's provision of payment processing and financial technology services to businesses and developers. The agreement authorizes Stripe to place reserves on payouts, withhold funds …

Last updated May 5, 2026 · Terms of service
9 provisions 2 versions captured Version history →

Stripe Privacy Policy

Medium

This is Stripe's Privacy Policy, describing how Stripe collects and uses personal and financial data from individuals who interact with Stripe's payment processing, identity verification, and business services. The policy …

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

High Severity Provisions (11)

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

Consumer Rights · April 21, 2026
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…

Frequently Asked Questions

What Stripe documents does ConductAtlas track?

ConductAtlas tracks 5 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 73 provisions across Stripe's tracked documents. 30 are rated high severity, 39 medium, and 4 low.

Can I get alerts when Stripe changes their policies?

Yes. Monitor subscribers ($19/month) can add Stripe to their watchlist and receive same-day email alerts whenever any tracked document changes.