You grant to Stripe a worldwide, royalty-free, limited license to access, use, and process your Stripe Data and User Content as necessary for Stripe to provide, improve, and develop the Services, comply with applicable law, and enforce the Agreement.
The license to use data for product 'improvement and development' is broader than simply providing services and could encompass training machine learning models, benchmarking, or product analytics using your business's transaction data.
Businesses using Stripe may have their payouts withheld or placed in reserve for up to 180 days based on Stripe's unilateral risk assessment, potentially disrupting cash flow with limited recourse. Stripe can terminate or suspend accounts immediately, cutting off access to payment processing and potentially funds held in reserve. You can review and negotiate reserve terms before signing, and should maintain alternative payment processing arrangements as a contingency.