This analysis describes what Stripe'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 new restrictions on how merchants may use Stripe Output Data, prohibiting its use for automated decision-making about customer relationships, credit or employment eligibility determinations, or training AI systems that substitute for Stripe's Services. Merchants using AI Agents to access Stripe Services are now explicitly liable for all actions initiated by those agents, as the terms state such actions are legally binding. Data breach notification obligations have been tightened: users must notify Stripe within 48 hours of becoming aware of a data incident affecting Stripe or its Affiliates, and must provide specific information about the type of data, affected individuals, and remediation status. You can review the specific restrictions on Stripe Output Data use in the updated Service Terms and adjust any automated processes or AI Agent integrations accordingly.
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if a court decides that any of the provisions in the Prohibition of Class and Representative Actions...is invalid or unenforceable because it would prevent the exercise of a non-waivable right to pursue public injunctive relief...
13.4 If any part of terms of this Section 12 is found to be illegal or unenforceable, the remainder will remain in effect, except that if a finding of partial illegality or unenforceability would allow class arbitration, class action, or representative action, this entire dispute resolution section ...
If, after exhaustion of all appeals, any of these prohibitions...are found to be unenforceable with respect to a particular claim or request for relief...then such a claim or request for relief will be decided by a court of competent jurisdiction...
"any dispute arising out of or relating to this Agreement, whether in arbitration or in court, will be conducted only on an individual basis and not in a class, consolidated or representative action.Excerpt from Stripe'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: “any dispute arising out of or relating to this Agreement, whether in arbitration or in court, will be conducted only on an individual basis and not in a class, consolidated or representative action.”
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