Provisions index

Before any AI-generated recommendation in a designated high-risk domain (legal, medical, financial, credit, insurance, housing, employment, education, healthcare access, public benefits, legal status) reaches an affected individual, a qualified human with relevant expertise and applicable licensure must review and have authority to modify that recommendation. The reviewing person retains accountability for the final recommendation....

Why it matters: This provision establishes an affirmative operational obligation on operators and developers deploying Claude in twelve enumerated high-stakes categories, requiring documented human oversight workflows before AI output is acted upon or delivered. The clause specifies licensure requirements by reference to applicable law, meaning compliance exposure varies by jurisdiction and professional domain....

View provision → Watch Anthropic →

The AUP prohibits using any outputs generated by Anthropic's models to train other AI models, including through distillation or scraping techniques, unless the user has received prior authorization from Anthropic....

Why it matters: This provision directly restricts a common developer workflow in which API outputs are used as training data for fine-tuning or building derivative models, and requires affirmative advance authorization from Anthropic before any such use is permitted....

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Anthropic states that it will report detected CSAM, related facilitation activity, or imminent risk scenarios involving minors to relevant authorities, and applies a uniform definition of minor as any person under 18 regardless of jurisdiction....

Why it matters: This provision discloses Anthropic's affirmative practice of reporting CSAM-related detections to law enforcement or equivalent authorities, and establishes a platform-wide age definition of 18 regardless of local age of majority definitions, which has compliance implications for operators deploying Claude in jurisdictions with differing age-related standards....

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The AUP prohibits using Claude to make or recommend decisions in criminal justice processes, to conduct non-consensual surveillance of individuals including via facial recognition or predictive policing, and to build or enhance surveillance infrastructure for these prohibited uses....

Why it matters: This provision categorically excludes a range of law enforcement, criminal justice, and surveillance applications from permitted use, establishing explicit prohibitions on facial recognition, battlefield management, predictive policing, and non-consensual individual tracking as distinct named examples....

View provision → Watch Anthropic →

When Claude's outputs control hardware capable of physical harm (including autonomous vehicles, surgical devices, industrial machinery, and hazardous materials systems), a qualified human observer must maintain real-time ability to halt operation, and all physical safety limits must be enforced by hardware or software independent of the AI model's output....

Why it matters: This provision establishes hardware-level architectural requirements for AI-physical system integrations, mandating that safety limits be enforced outside the model control loop and that fail-safe behavior occur upon loss of connection to Anthropic's services, which has direct implications for robotics, medical device, industrial automation, and autonomous vehicle deployments....

View provision → Watch Anthropic →

The AUP categorically prohibits using Claude at any stage of CBRN weapons development, including synthesis, design, acquisition, testing, or deployment planning for biological, chemical, radiological, or nuclear weapons, their precursors, or delivery systems, as well as modification of biological or chemical agents to enhance harm potential....

Why it matters: This provision establishes an absolute prohibition covering the full lifecycle of CBRN weapons development activity and explicitly names weapons-critical technology categories such as fissile material production and enrichment, creating a categorical exclusion for defense and dual-use research operators in these domains....

View provision → Watch Anthropic →

The policy discloses that Anthropic may collect facial geometry templates as part of identity or age verification processes, and acknowledges these may constitute biometric data in some jurisdictions. Collection is described as occurring only when users choose to verify their identity....

Why it matters: This provision establishes a basis for collecting biometric identifiers including facial geometry templates, which are subject to heightened regulatory requirements in multiple U.S. states and internationally. The policy's acknowledgment that this data 'may be considered biometric data in some jurisdictions' indicates awareness of jurisdictional variation but does not specify which consent or notice obligations are triggered in each relevant jurisdiction....

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The document explicitly states that the erotic and violent speech content moderation mitigations do not cover nonverbal vocalizations or sound effects such as erotic moans, violent screams, or gunshots; some general refusal behavior for sound effects exists but is not the product of a designed mitigation....

Why it matters: This provision constitutes an explicit documented disclosure of a known gap in content moderation coverage at the time of deployment. The absence of a designed mitigation for nonverbal harmful content creates a residual risk that is acknowledged in the system card, which compliance teams and API integrators should factor into their own risk assessments and downstream content policies....

View provision → Watch OpenAI →

The document discloses that at time of deployment, mitigations for audio robustness degradation under real-world conditions (background noise, interruptions, low audio quality) and for audio-delivered misinformation and conspiracy theories are nascent or still in development; red teamers successfully elicited misinformation via audio prompts....

Why it matters: This provision constitutes a disclosed residual risk at deployment, establishing that the model was released with known, documented safety limitations in audio modalities for which mitigations were not yet complete. The combination of audio delivery and emotive or emphatic speech style is identified as a factor that may increase the persuasiveness of misinformation, per red teamer observations....

View provision → Watch OpenAI →

The provision states that using Kraken's services or accepting its privacy notice constitutes written consent to biometric data collection and processing, and operates as a release of both past and future claims related to that biometric data handling....

Why it matters: This provision asserts a prospective and retrospective claims release tied to biometric data processing, which may interact with state biometric privacy statutes such as the Illinois Biometric Information Privacy Act (BIPA), which provides a private right of action and under which courts have examined whether contractual claim waivers are enforceable. Compliance teams operating in BIPA-covered jurisdictions should evaluate whether this release mechanism aligns with applicable state law requirements....

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The provision states that Kraken shares users' Social Security numbers, date of birth, name, phone number, and ZIP code with third-party payroll-connectivity partners when users access payroll-linked services such as direct deposit switching....

Why it matters: This provision authorizes sharing of a combination of highly sensitive identifiers, including Social Security numbers, with named third-party payroll-connectivity partners for the purpose of locating payroll records. This data combination represents a category with significant identity-related sensitivity and should be subject to vendor due diligence and contractual data use limitations....

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The policy authorizes Stash to use personal information collected from users to train large language models, disclosed in a single sentence in Section 4 without specifying which data categories are used, retention periods for training purposes, or available opt-out mechanisms....

Why it matters: This provision authorizes a data use case beyond core service delivery without elaborating on scope, applicable data categories, or opt-out availability, which may require evaluation under CCPA business purpose disclosure requirements and emerging state AI and automated decision-making regulations....

View provision → Watch Stash →

The terms grant Stash and Plaid authority to access and transmit personal and financial information, including historical and ongoing transaction data, from all sub-accounts accessible through any linked bank credential set, including sub-accounts the user did not specifically designate for linking....

Why it matters: This provision establishes that account linking authorizes data access beyond the single sub-account designated by the user, extending to all sub-accounts accessible through the same credential set, including checking, savings, and credit card accounts; this scope of financial data access may require evaluation under GLBA data minimization principles and applicable state financial privacy statutes....

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The policy authorizes Stash to draw inferences from collected personal information to create profiles that may reflect psychological trends, predispositions, attitudes, intelligence, abilities, and aptitudes, in addition to behavioral and preference characteristics....

Why it matters: This provision authorizes inference-drawing across the full scope of personal information collected by Stash, including sensitive financial identifiers and transaction data, to construct profiles that extend to psychological and attitudinal attributes; this scope of profiling may require evaluation under state automated decision-making statutes and CCPA sensitive personal information provisions....

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The policy discloses that Stash collects sensitive personal information categories including government identification numbers, financial account credentials with access codes, precise geolocation, and citizenship or immigration status....

Why it matters: This provision identifies specific sensitive personal information categories subject to heightened regulatory treatment under CCPA and equivalent state statutes, including citizenship and immigration status, which may present distinct legal considerations in the context of government data requests or law enforcement disclosure....

View provision → Watch Stash →

Guideline 3.1.1 requires developers to use Apple's in-app purchase system as the exclusive payment mechanism for digital content, features, subscriptions, and in-game currencies, prohibiting alternative unlocking or payment mechanisms within the app. Regional exceptions exist for the US storefront and for developers holding specific entitlements in other designated storefronts....

Why it matters: This provision governs the monetization architecture of all digital goods sold through App Store apps, requiring payment to be processed through Apple's system and subjecting transactions to the Apple Developer Program commission structure. The regional carve-outs for the US storefront and entitlement-based external link permissions in designated regions reflect regulatory developments and create differentiated compliance obligations by geography....

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Guideline 5.4 prohibits VPN apps from selling, using, or disclosing user data to third parties for any purpose, requires this commitment in the app's privacy policy, and mandates use of the NEVPNManager API. Non-compliance results in app removal from the App Store and blocking from alternative distribution....

Why it matters: This provision asserts an absolute prohibition on third-party data sharing for VPN apps, which extends beyond standard data minimization or purpose limitation requirements to bar any third-party data use regardless of purpose, including analytics, fraud prevention, or service provider relationships. The enforcement consequence includes blocking from alternative distribution channels, not only App Store removal....

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Guideline 1.3 prohibits apps in the Kids Category from including third-party analytics or third-party advertising, with narrow exceptions for analytics that do not collect IDFA or identifiable child information and for contextual advertising services that publicly document human review of ad creatives for age appropriateness. Apps in this category must also comply with applicable children's privacy laws worldwide....

Why it matters: This provision establishes data collection and advertising restrictions for Kids Category apps that go beyond baseline COPPA compliance requirements by prohibiting third-party analytics and advertising as a default, limiting the monetization and measurement tools available to developers in this category. The exceptions require affirmative verification of third-party service compliance with specified criteria....

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Guideline 3.2.2(ix) prohibits personal loan apps from charging an APR exceeding 36% inclusive of all costs and fees, and prohibits repayment terms of 60 days or less, while requiring conspicuous disclosure of all loan terms including APR and payment due date. This provision applies to apps distributed through the App Store....

Why it matters: This provision establishes a substantive APR cap and minimum loan term requirement that Apple applies as a condition of App Store distribution, which may affect fintech and consumer lending apps regardless of whether applicable state or federal law imposes equivalent restrictions in the jurisdictions where those apps operate....

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Guideline 5.1.3(i) prohibits apps from using or sharing health, fitness, and medical research data collected from specified Apple health APIs for advertising, marketing, or use-based data mining, and permits health research use only with explicit user permission. The prohibition extends to third-party disclosure for these purposes....

Why it matters: This provision establishes categorical restrictions on health data use that apply to all apps accessing Apple health APIs, independent of whether the app is a HIPAA-covered entity. The restriction on use-based data mining for health data is broader in its stated scope than standard commercial health data governance terms typically applied outside HIPAA-regulated contexts....

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Guideline 5.1.1(viii) prohibits apps from aggregating or compiling personal information from third-party sources, including publicly available databases, without explicit user consent. This prohibition applies to both App Store distribution and alternative distribution channels....

Why it matters: This provision prohibits a category of data aggregation and people-search functionality that is common in data broker and background check applications, and extends the prohibition to alternative distribution channels beyond the App Store. The explicit consent requirement for compiling data from public databases is a substantive restriction on data aggregation business models....

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The terms require that virtually all disputes between users and Spotify be resolved through individual binding arbitration administered by NAM rather than through court litigation, subject to specified exceptions for intellectual property claims, small claims court, and preliminary injunctive relief. A sixty-day pre-arbitration informal resolution period is required before any arbitration may be filed....

Why it matters: This provision establishes that individual arbitration is the mandatory dispute resolution mechanism for the full range of legal theories, including claims arising before or after the term of the agreement, and specifies that courts retain authority only over defined threshold issues including arbitrability, enforceability of the class action prohibition, and compliance with pre-filing requirements....

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The terms prohibit users from bringing or participating in class, collective, consolidated, private attorney general, or representative actions against Spotify in either arbitration or court, and waive the right to a jury trial to the fullest extent permitted by applicable law. Injunctive relief in arbitration is limited to individual relief only....

Why it matters: This provision establishes that claims against Spotify must be brought individually, which structurally limits the availability of aggregate remedies for users with low-value individual claims. The private attorney general action waiver may interact with California's Private Attorneys General Act, and applicable law may limit enforcement of this waiver in certain contexts....

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The policy prohibits using OpenAI services to build facial recognition databases without data subject consent, to conduct real-time remote biometric identification in public spaces, or to use a person's likeness or voice without consent in ways that could confuse authenticity....

Why it matters: This provision establishes an absolute prohibition on several biometric processing use cases that parallel the EU AI Act's prohibited practices provisions, creating a contractual restriction that applies regardless of the deploying entity's jurisdiction or the technical form of the underlying application....

View provision → Watch OpenAI →

The policy prohibits using OpenAI services to score or classify individuals based on social behavior, personal traits, or biometric data; to infer emotions in workplace or educational contexts (with a narrow exception for medical or safety purposes); and to assess or predict criminal offense risk based solely on personal traits or profiling....

Why it matters: These prohibitions directly parallel several categories of prohibited AI practices under the EU AI Act, including social scoring by public authorities and biometric categorization for sensitive attribute inference, and apply contractually to all OpenAI users regardless of jurisdiction....

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The policy prohibits a defined set of uses involving minors, including generation of CSAM (whether AI-generated or not), grooming, exposure to age-inappropriate content, body shaming, and facilitation of underaged access to restricted goods, and states that OpenAI reports apparent CSAM and child endangerment to NCMEC....

Why it matters: The provision establishes both an absolute prohibition on CSAM and minor exploitation use cases and a mandatory reporting practice to NCMEC, which has operational implications for how OpenAI monitors and acts on outputs across its platform....

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The policy authorizes PayPal to disclose Personal Information, including inferred product preferences, purchase history, sizes, and styles, to Partners and Merchants for personalized shopping experiences in the United States based on data collected after November 27, 2024, without requiring affirmative consent. Users may opt out through the Data and Privacy settings in their PayPal account....

Why it matters: This provision establishes an opt-out (rather than opt-in) framework for disclosure of behavioral and inferred data to third-party merchants and partners for personalized marketing purposes in the US, which may require evaluation under CCPA definitions of 'sharing' and GLBA nonaffiliate sharing provisions. The November 27, 2024 data cutoff creates a distinct operational boundary for existing customers versus new account holders....

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The policy states that PayPal uses Automated Decision Making, which may include profiling of economic situation, reliability, and behavior, to make decisions about credit risk, fraud, and money laundering; and that these decisions may result in refusal of new services, suspension of current services, or account limitations....

Why it matters: This provision establishes that account-level decisions with significant operational consequences, including service suspension and credit denial, may be made through automated processes with limited human involvement. Under GDPR Article 22, EEA users have the right to request human review of such decisions; the policy acknowledges this right for non-US jurisdictions while stating US practices are either exempt or do not trigger opt-out rights under applicable US law....

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By posting content on X, users grant X a worldwide, royalty-free, sublicensable license to use that content to train generative and other AI models, with platform access treated as full compensation. No additional payment is owed to users for this use....

Why it matters: This provision asserts that all user-posted content, including text, images, audio, and video, is available for AI model training without additional consent or compensation beyond platform access. The scope of sublicensing rights means third-party AI developers may also receive access to this content under X's ecosystem partner rules....

View provision → Watch X →

If the Texas court forum selection clause is found unenforceable, disputes for non-EU/EFTA/UK users proceed to binding individual arbitration administered by the AAA before a retired federal judge in Tarrant County, Texas, with confidentiality requirements and no right to appeal the arbitrator's award beyond what law permits....

Why it matters: This provision requires disputes to proceed through individual arbitration administered by the AAA in Tarrant County, Texas, with the arbitrator prohibited from granting injunctive relief and awards rendered final and binding. The confidentiality requirement prohibits disclosure of arbitration existence, content, or results without all parties' written consent....

View provision → Watch X →

The Terms require users to waive the right to participate in class actions, collective actions, private attorney general actions, and jury trials, to the extent permitted by applicable law. This waiver extends to claims against named X corporate affiliates including SpaceXAI, Cursor, and SpaceX entities....

Why it matters: This provision requires that all disputes proceed on an individual basis only, with no class, collective, or representative action permitted. The explicit extension to corporate affiliates including SpaceXAI, Cursor, and SpaceX is operationally notable because it subjects disputes with those entities to the same waiver terms....

View provision → Watch X →

Users who violate the Terms and access more than 1,000,000 posts in a 24-hour period are jointly and severally liable for liquidated damages of $15,000 USD (or EUR 15,000 for EU users) per 1,000,000 posts accessed, in addition to all other available legal remedies....

Why it matters: This provision creates quantified financial exposure for bulk content access in violation of the Terms, applicable jointly and severally to users who violate or facilitate violations. The clause expressly does not limit X's ability to pursue additional statutory damages or equitable relief....

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The Terms require federal claims to be initiated within one year and state law claims within two years and one day of the triggering event; claims not filed within these periods are permanently barred to the extent permitted by applicable law....

Why it matters: This provision contractually shortens the limitations period for federal claims to one year, which is shorter than many statutory limitations periods applicable to federal causes of action. The permanent bar on untimely claims is conditional on the extent permitted by applicable law....

View provision → Watch X →

The policy authorizes disclosure of user account information, portfolio contents, chatbot communications, and associated metadata to OpenAI as the AI chatbot provider. The disclosed data is stated to be used only to support the Binance.US AI chatbot, but is also subject to OpenAI's own enterprise privacy policy and terms....

Why it matters: This provision establishes that financially sensitive user data including portfolio holdings and account information is transmitted to a third-party AI provider whose own terms and privacy policy also govern the data. Compliance teams should evaluate whether OpenAI's enterprise privacy terms provide adequate data processing protections consistent with GLBA, CCPA, and applicable financial privacy obligations....

View provision → Watch Binance.US →

Users grant Public.com a broad, royalty-free, assignable, and sublicensable license to use any content they post, including for advertising and marketing purposes, across all media formats now known or later developed. The license also covers creating derivative works from user content and retransmitting it....

Why it matters: This provision authorizes Public.com to use, reproduce, distribute, and create derivative works from user-posted content for advertising and marketing purposes without additional compensation or user approval. The assignable and sublicensable nature of the license means these rights may be transferred to or exercised by third parties....

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Public.com's total liability to any user for all claims related to the Public Service is capped at the greater of the amount the user paid to Public.com in the prior 12 months or $100. This cap covers all claim types, including contract, tort, and statutory claims....

Why it matters: This provision establishes a maximum financial recovery ceiling for all claims against Public.com arising from use of the Public Service, regardless of the nature or magnitude of the underlying claim. The $100 floor means that users who have paid little or nothing to Public.com have a very low maximum recovery under these terms....

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The policy authorizes Meta to use publicly posted content, including posts, comments, and audio, as well as interactions with Meta AI features and third-party partner data, to develop and improve AI systems at Meta for use in both Meta Products and for third parties....

Why it matters: This provision establishes that user-generated public content serves as training data for AI model development, including for third-party applications, and applies to all users who post public content on any Meta Product. Compliance teams should evaluate whether this use is adequately disclosed and whether applicable law in relevant jurisdictions requires a distinct consent mechanism or opt-out for AI training uses....

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The policy states that Meta receives behavioral and activity data about users from advertisers, businesses, and other partners regarding activity occurring outside Meta Products, and uses this off-platform data to personalize ads shown on Meta Products and affiliated advertising services, including for users who are not logged in or do not have a Meta account....

Why it matters: This provision establishes that Meta's ad personalization system incorporates data from external parties about users' off-platform activity, and that this data collection and association occurs regardless of whether the individual has a Meta account or is logged in. The mechanism for associating off-platform activity with non-account holders warrants evaluation under applicable privacy frameworks....

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The agreement requires users and OpenAI to resolve all disputes through final and binding arbitration administered by NAM, covering claims regardless of when they arose. Users may opt out of arbitration by submitting a designated form within 30 days of account creation or within 30 days of any arbitration term update taking effect....

Why it matters: This provision establishes that disputes proceed through individual arbitration under NAM rules rather than through court litigation, with the Federal Arbitration Act governing enforcement. The 30-day opt-out window from account creation or from any arbitration update is the operative mechanism for users who wish to preserve court-based dispute resolution....

View provision → Watch OpenAI →

The agreement limits OpenAI's aggregate liability to the greater of amounts paid by the user for the relevant service in the 12 months preceding the claim or $100. Indirect, incidental, special, consequential, and exemplary damages are excluded entirely....

Why it matters: This provision establishes a $100 floor on aggregate liability for free-tier users and a 12-month payment lookback cap for paid subscribers. The exclusion of consequential and data loss damages is operationally significant for users who may experience losses arising from reliance on AI-generated Output....

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The agreement requires users to evaluate Output for accuracy before use, prohibits reliance on Output as a sole factual source or substitute for professional advice, and expressly prohibits use of Output about a person for decisions with legal or material impact including credit, employment, housing, insurance, legal, and medical decisions....

Why it matters: This provision establishes affirmative user obligations regarding Output evaluation and creates an express prohibition on high-stakes decisional use of Output concerning individuals. These obligations are operationally significant for any enterprise or professional deploying AI-generated content in decision-making workflows....

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The document states that personal information collected in connection with financial services (such as a brokerage account) is generally governed by GLBA rather than state privacy laws such as the CCPA, and that Robinhood may have no obligation to accept or honor Data Subject Requests depending on which affiliate and product the user's data relates to....

Why it matters: This provision describes the scope of GLBA preemption as Robinhood applies it across its product lines, establishing that the availability of state-law privacy rights including access, deletion, and correction requests depends on which Robinhood entity and product a user interacts with. The practical scope of GLBA preemption is a fact-specific and legally contested question, and compliance teams should not assume the document's characterization reflects the full extent of applicable legal obligations....

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The agreement authorizes Robinhood to recover amounts owed by debiting the customer's brokerage account, external bank accounts, any affiliated Robinhood accounts, and any account in which the customer holds a beneficial interest, without prior notice. This authorization survives account termination....

Why it matters: This provision establishes a cross-entity, post-termination right of offset that extends beyond the brokerage account to external bank accounts and accounts in which the customer holds only a beneficial interest. The scope of this offset authorization may require evaluation under applicable state offset, garnishment, and exemption statutes, as well as Regulation E protections for consumer deposit accounts....

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Coinbase charges no upfront staking fee but retains a commission of 25.25% to 35% of all staking rewards received from the network, depending on the asset and the user's Coinbase One membership tier....

Why it matters: This provision establishes the rate at which Coinbase extracts commission from user staking rewards across eight named cryptocurrency assets. The commission is applied to gross network rewards before the user receives their share, meaning the APY and rewards displayed in the account reflect post-commission earnings....

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Coinbase charges a commission of 35% of staking rewards for standard accounts across ADA, ATOM, AVAX, DOT, ETH, MATIC, SOL, and XTZ, with tiered reductions for Coinbase One members ranging from 25.25% to 31.75%. An additional fee applies for instant unstaking, disclosed at the time of the unstaking request....

Why it matters: This provision establishes that Coinbase retains 35% of staking rewards from standard account holders before rewards are credited, which represents a material cost of participation in Coinbase's staking service. The tiered commission structure linked to a paid Coinbase One subscription creates a direct financial incentive for subscription enrollment tied to staking economics....

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The agreement authorizes Coinbase to suspend, restrict, or terminate any account immediately and for any reason at its sole discretion, without disclosing the reason or the criteria used in making that decision. Following deactivation, users have 90 days to transfer digital assets or funds unless prohibited by law, sanctions, or court order....

Why it matters: This provision establishes broad unilateral account enforcement authority with no stated disclosure obligation to the user, which may affect access to digital asset holdings during any suspension or termination period. The 90-day post-deactivation asset transfer window is a material operational parameter for users assessing access risk....

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The agreement caps Coinbase's financial liability to users at the value of supported digital assets in the relevant wallet at the time of the claim, and excludes lost profits, consequential, indirect, and punitive damages except where a court determines the loss resulted from Coinbase's gross negligence, fraud, willful misconduct, or intentional violation of law. The agreement also explicitly states that Coinbase does not guarantee order execution, system availability, or data accuracy....

Why it matters: This provision establishes a damage cap tied to the value of assets in the affected wallet at the time of the triggering event, which may result in recovery being limited to a fraction of total economic harm where market value declines during any dispute resolution period. The carve-out for gross negligence, fraud, and willful misconduct is noted, and New Jersey residents are specifically addressed with a state law conformity clause....

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By posting any content on X, users grant X a worldwide, royalty-free, sublicensable license to use, adapt, and distribute that content across any media for any purpose, explicitly including training machine learning and generative AI models, with continued platform access constituting the sole compensation for this license. The license also authorizes X to make user content available to third-party companies, organizations, and individuals for syndication, broadcast, and publication....

Why it matters: This provision establishes the legal basis under which X may use user-generated text, images, audio, and video content for AI and machine learning model training without additional compensation. The sublicensing right permits X to extend these uses to third parties, and the license applies to all content types including inputs, prompts, and outputs created through platform features....

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For users outside the EU, EFTA States, and UK, if the primary Texas court forum selection clause is found unenforceable for any reason, disputes automatically proceed to binding individual arbitration administered by the American Arbitration Association in Tarrant County, Texas, before a retired federal judge. The arbitration is confidential, the arbitrator cannot grant injunctive relief, the award is final with no appeal rights (to the maximum extent permitted by law), and each party bears its own costs unless claims are found frivolous....

Why it matters: This provision establishes a two-tiered dispute resolution structure for non-EU/UK users: Texas courts as the primary forum, with binding individual arbitration as an automatic fallback. The arbitration clause explicitly prohibits class or representative proceedings, requires confidentiality, bars injunctive relief from the arbitrator, and makes the award final and non-appealable to the maximum extent permitted by law....

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By agreeing to these terms, users waive the right to participate in class actions, collective actions, private attorney general actions, or jury trials against X and its named corporate affiliates including SpaceXAI, Cursor, and SpaceX entities, where permitted by applicable law. This waiver applies to all users regardless of whether service use is personal, commercial, or otherwise....

Why it matters: This provision extends the class action and jury trial waiver explicitly to named corporate affiliates (SpaceXAI, Cursor, SpaceX) as a new element compared to prior terms, designating those entities as intended third-party beneficiaries of the waiver. The waiver applies across all theories of liability and user categories....

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