Even if Target causes significant harm — such as a data breach exposing sensitive personal information — your ability to recover damages is severely limited to $100 or your transaction amount.
Target's Terms & Conditions significantly affect consumers' legal rights by requiring all disputes to be resolved through binding arbitration and prohibiting class action lawsuits, which means you cannot join with other consumers to take collective legal action against Target. Target also claims a broad, royalty-free, perpetual license to any content you submit — including reviews, photos, and ideas — meaning Target can use your content indefinitely without compensation. You can opt out of the arbitration clause by sending written notice to Target within the specified window after first accepting the terms, as described in the arbitration section of their full Terms & Conditions.