Any legal disputes with Target will be governed by the laws of Minnesota, regardless of where you live.
Consumers outside Minnesota may find it harder to invoke local consumer protection laws that could otherwise benefit them.
Choice-of-law provisions designating Minnesota law may conflict with mandatory consumer protection statutes in the consumer's home state; courts in California, New York, and New Jersey have at times declined to enforce foreign choice-of-law clauses where they deprive consumers of local statutory rights.
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Target's terms require consumers to resolve disputes through binding arbitration rather than in court, and waive the right to participate in class action lawsuits — limiting your ability to seek group remedies. Target also claims a broad, royalty-free license to use any content you submit to the site, including reviews and photos. California residents and other state residents may have additional privacy rights under applicable state law that the terms acknowledge.