“Your Submission, its content, and any derivatives, modifications, or enhancements thereof, automatically become the property of , without any compensation of any kind owed to you.”
This analysis describes what Zelle'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
Automatic transfer of ownership — including over derivatives and enhancements — means users permanently lose all rights in submitted material the moment it is submitted, with no right to payment.
Interpretive note: The excerpt contains a blank where the acquiring entity's name should appear ('become the property of ,'), which may indicate a drafting error or redaction. The canonical claim identifies the entity as Zelle based on document context, but this introduces minor inferential uncertainty.
If you submit anything, you permanently lose ownership of that submission and any derivatives, modifications, or enhancements thereof, and you are owed no compensation of any kind.
How other platforms handle this
All content and materials... provided by us or generated through our Services (our "Content") and all related intellectual property rights are the property of Credit Karma and third-party licensors
Subject to the terms of this Agreement, Customer hereby grants to Anyscale and its Affiliates a non-exclusive, worldwide, royalty-free right and license to process the Customer Property solely to the extent necessary to provide the Anyscale Services...
Only use content that you have the rights to use. Don't infringe on anyone's intellectual property or copyright, and don't submit content you don't have the right to share.
"Your Submission, its content, and any derivatives, modifications, or enhancements thereof, automatically become the property of , without any compensation of any kind owed to you.Excerpt from Zelle's Terms of Service
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Automatic transfer of ownership — including over derivatives and enhancements — means users permanently lose all rights in submitted material the moment it is submitted, with no right to payment.
If you submit anything, you permanently lose ownership of that submission and any derivatives, modifications, or enhancements thereof, and you are owed no compensation of any kind.
ConductAtlas has identified this type of provision across 249 platforms. See the full comparison.
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