81 Total
31 High severity
42 Medium severity
8 Low severity

Key Facts · in the document’s own words

Are Windsurf's payments refundable?
“Except as expressly provided in these Terms or where required by law, all payments are non-refundable.”
Version CA-V-006787, captured Sept. 11, 2026 · live source ↗
Our reading, not the document’s words
Windsurf treats all payments as non-refundable except as expressly provided in the Terms or where required by law.
What warranties does Windsurf disclaim?
“THE COGNITION IP, SERVICES, AND DOCUMENTATION ARE PROVIDED "AS IS" AND COGNITION HEREBY DISCLAIMS ALL WARRANTIES... WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.”
Version CA-V-006787, captured Sept. 11, 2026 · live source ↗
Our reading, not the document’s words
Windsurf disclaims all warranties—whether express, implied, statutory, or otherwise—with respect to the Cognition IP, Services, and Documentation, which are provided on an as-is basis.
What capacity must each party bring claims in?
“YOU AND COGNITION AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS...”
Version CA-V-006787, captured Sept. 11, 2026 · live source ↗
Our reading, not the document’s words
Windsurf requires that each party bring claims against the other only in an individual capacity, not as a plaintiff or class member in any purported class action.
To which customer tiers does Windsurf's IP infringement indemnification apply?
“This Section 9.1 applies only to Customers on the Paid Service Tiers and does not apply to Customers on the Free Service Tier.”
Version CA-V-006787, captured Sept. 11, 2026 · live source ↗
Our reading, not the document’s words
Windsurf's IP infringement indemnification under Section 9.1 applies only to customers on Paid Service Tiers and does not apply to customers on the Free Service Tier.
What will Windsurf defend the customer against?
“Subject to the foregoing, Cognition shall defend Customer against any third-party claim... that the Services, when used in accordance with the terms of this Agreement, infringes or misappropriates such third party's patents, copyrights, or trade secrets...”
Version CA-V-006787, captured Sept. 11, 2026 · live source ↗
Our reading, not the document’s words
Windsurf shall defend the customer against any third-party claim that the Services, when used in accordance with the Agreement, infringe or misappropriate a third party's patents, copyrights, or trade secrets.
What may Windsurf use Customer Data for?
“Cognition may use Customer Data for model training purposes and to improve and enhance the Services. If you subscribe to a paid Service Tier, you may opt out of this use ("Opt-Out").”
Version CA-V-006787, captured Sept. 11, 2026 · live source ↗
Our reading, not the document’s words
Windsurf may use Customer Data for model training and to improve and enhance the Services, with paid-tier subscribers able to opt out of that use.
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Summary

Windsurf's Terms of Service govern how you may use its AI coding assistant, and you own all output the service produces. However, Windsurf makes no guarantees about the service or its outputs, all payments are non-refundable by default, and any dispute must be resolved through individual binding arbitration rather than in court. Free-tier users have no right to opt out of having their data used to train Windsurf's AI models, and no IP infringement protection from Windsurf.

Analysis

This document establishes Windsurf's Terms of Service, which set out the rights and obligations governing use of its AI-powered Services. Windsurf provides the Services on an as-is basis with a total disclaimer of all warranties, excludes liability for consequential and indirect damages, and disclaims all liability for consequences arising from customer use of or reliance on Output. Customers receive full ownership of Output through an assignment of all right, title, and interest, while Windsurf's IP infringement indemnification is available exclusively to paid-tier customers. All payments are treated as non-refundable by default, disputes must be resolved through binding individual arbitration administered by the American Arbitration Association's International Centre for Dispute Resolution, and customers are prohibited from processing sensitive personal data or medical information through the Services.

What this means for you

As an ordinary user, you own everything the service generates, but you bear all risk from acting on that output since Windsurf disclaims all liability for it. Your data may be used by default to train Windsurf's AI models; if you are on a paid tier, you can opt out of that use. You may not process sensitive personal data such as social security numbers, passport information, or financial account numbers through the service. All payments are non-refundable unless the Terms or law say otherwise, and if you have a dispute with Windsurf you can only pursue it individually through binding arbitration, not through a class action or in court.

Institutional Analysis
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Which mapped governance frameworks each document engages, tied to the specific provisions that engage them.

Name corrected
Clauses withheld

We withheld clauses we had published from this document. Each withholding is recorded in our correction log:

Featured, High severity
Featured, Medium severity

Complete Provision Index

Every distinct legal provision identified in this document. Featured provisions appear above with analysis.

81 provisions
12 featured
22 clause types
31 high severity
Disclosure and Transparency Requirements 1 1 high
Restricted or Prohibited Content/Industries 1 1 high
Targeting and Audience Restrictions 1
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Mapped Governance Frameworks

FAA
United States Federal
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FTC Act Section 5
United States Federal
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Archival ProvenanceSource & Archival Record
This version captured September 11, 2026 00:59 UTC
Last successful capture October 13, 2026 00:55 UTC
Date stated by the document June 30, 2026 (as printed in this version)
Capture Method Automated scheduled archival capture
Document ID CA-D-000487
Version ID CA-V-006787
SHA-256 (extracted text, extractor v5) 8504b99362af15b77a400dd38843a8df78003205d47f4c9197222304794c8131
Archived bytes SHA-256 (anchor) 325f932fce06d8e7edd00509f43f011ca64d49a61a1ff9a7e7211946379a8f72
✓ Snapshot stored ✓ Archived bytes anchored (verified Sept. 11, 2026)

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