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Stash
· Stash Terms of Use (Superseded URL)
The terms authorize Stash to terminate, restrict, or modify a user's access to the platform or any service at its sole discretion and without prior notice, and to immediately deactivate or delete user accounts and associated data upon a Terms violation....
Why it matters: This provision reserves broad termination authority for Stash, including the ability to delete account data without advance notice. For users holding financial accounts through the platform, this termination mechanism intersects with applicable financial services regulations governing account closure procedures, which may impose notice or fund-return obligations that constrain how this provision applies in practice....
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Stash
· Stash Terms of Use (Superseded URL)
Any content voluntarily submitted to Stash or the platform grants Stash a worldwide, perpetual, irrevocable, royalty-free license to use, modify, distribute, sublicense, and commercially exploit that content in any form or medium, without payment or attribution to the submitter....
Why it matters: This provision grants Stash and its successors and assigns the right to derive commercial revenue from user-submitted content for the full term of any applicable intellectual property rights, without compensation to the submitter. The scope of this license extends to derivative works and future technologies, and the agreement explicitly states that Stash's entitlement to use submissions is unrestricted as to purpose....
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Stash
· Stash Terms of Use (Superseded URL)
Posting any content on the Stash platform grants Stash an irrevocable, royalty-free, sub-licensable, worldwide license to use, modify, display, reproduce, distribute, and sublicense that content to third parties across any current or future media or platform....
Why it matters: This provision establishes that content posted on the platform, described as limited in the clause header but irrevocable and sublicensable in its operative terms, can be redistributed by Stash to third parties and other users across future platforms without additional permission from or payment to the original poster....
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Stash
· Stash Terms of Use (Superseded URL)
The terms limit Stash's total liability for all claims to the amount paid by the user in the twelve months preceding the event, and disclaim all indirect, consequential, and punitive damages. A carve-out preserves liability that cannot be disclaimed under the Investment Advisers Act of 1940 or other applicable law....
Why it matters: This provision caps aggregate financial liability at twelve months of fees paid, which for users on lower-tier subscription plans may represent a minimal dollar amount relative to potential investment or banking losses. The explicit Investment Advisers Act carve-out acknowledges that statutory liability for investment advisory services cannot be contractually disclaimed, creating a relevant distinction between advisory and non-advisory service claims....
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Stash
· Stash Terms of Use (Superseded URL)
The terms establish New York state and federal courts (Southern District) as the exclusive venue for disputes, unless the user has entered into Stash's Advisory Agreement, in which case the arbitration clause within that separate agreement governs and is incorporated by reference into these Terms....
Why it matters: This provision creates a two-tier dispute resolution framework: users who have executed the Advisory Agreement are subject to mandatory arbitration as defined in that separate document, while users who have not are subject to exclusive New York court jurisdiction. The arbitration clause's specific terms, including any class action waiver, are not disclosed in this document and require review of the Advisory Agreement....
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Monitoring
These provisions have changed before.
Monitor includes same-day alerts, structured change summaries, and monitoring for up to 25 platforms.
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Stash
· Stash Terms of Use (Superseded URL)
The terms establish that using the platform constitutes consent to Stash recording, retaining, and using all communications, information, and data exchanged between the user and Stash or its agents for business purposes, subject to applicable law and the Privacy Policy....
Why it matters: This provision establishes blanket recording consent as a condition of platform use, covering communications with Stash representatives and agents. The scope of permitted use extends to any use in the regular course of business, qualified by applicable law and the Privacy Policy....
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Stash
· Stash Terms of Use (Superseded URL)
Users agree to indemnify Stash, its affiliates, officers, directors, employees, and Stride Bank from any third-party claims, damages, and legal costs arising from the user's Terms violations, improper platform use, intellectual property infringement, or content uploaded through the user's account....
Why it matters: This provision extends indemnification obligations to claims arising from use of the user's account by any person, including unauthorized users, which may create financial exposure for users in the event of account compromise or unauthorized use. The obligation covers attorney's fees and expenses for both Stash and its Partner Bank....
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Stash
· Stash Terms of Use (Superseded URL)
The terms prohibit individuals under the age of 18 from subscribing to any Stash services....
Why it matters: This provision establishes the minimum age requirement for service enrollment. As a financial services platform offering investment and banking products, this age restriction aligns with legal requirements applicable to certain financial services and the regulatory framework governing minor account holders....
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Stash
· Stash Terms of Use (Superseded URL)
Stash disclaims all express and implied warranties regarding the platform, services, content, and materials, including warranties of accuracy, security, availability, fitness for a particular purpose, and freedom from viruses or harmful components....
Why it matters: This provision disclaims all warranties applicable to the platform and its content, including warranties of accuracy and security. For a financial services platform where users rely on market data, investment information, and account balances, the disclaimer of accuracy and security warranties is operationally relevant, though the Investment Advisers Act carve-out in the liability limitation provision may constrain the full application of this disclaimer to advisory services....
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GitHub
· GitHub Copilot Product Terms
The terms state that Prompts (code and contextual data sent to GitHub) are encrypted in transit, deleted after Suggestions are generated, and not used for any other purpose by default. Retention occurs only under three enumerated conditions: CLI or non-editor tool usage, private language model fine-tuning requests, and alternative data handling configurations such as third-party extension enablement....
Why it matters: This provision establishes the default data lifecycle for Prompt data and defines the conditions under which retention is triggered. Enterprise organizations with source code confidentiality requirements or data minimization obligations under GDPR or similar frameworks should map their active Copilot configurations against the three retention conditions specified in Section 6(B)....
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GitHub
· GitHub Copilot Product Terms
The terms state that GitHub asserts no ownership over AI-generated Suggestions and that users retain ownership of the code they write, including modifications to Suggestions....
Why it matters: This provision establishes the contractual ownership position as between GitHub and the user for AI-generated output. However, the agreement does not address ownership questions that may arise under copyright law regarding AI-generated content, which remain subject to ongoing legal and regulatory development in multiple jurisdictions....
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GitHub
· GitHub Copilot Product Terms
The terms place full responsibility for code on the user, including for any AI-generated Suggestions incorporated into or referenced in that code. GitHub recommends but does not require use of available filtering features to reduce third-party rights infringement risk....
Why it matters: This provision establishes that GitHub contractually allocates all responsibility for Suggestion-related outcomes to the user, including potential third-party intellectual property claims. Organizations deploying Copilot in commercial development environments should assess whether this responsibility allocation is reflected in their internal development policies and downstream contract representations....
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GitHub
· GitHub Copilot Product Terms
The terms require users to comply with the GitHub Acceptable Use Policies, the Microsoft Generative AI Services Code of Conduct, and the Microsoft Customer Copyright Commitment Required Mitigations. These govern both the inputs users submit and the outputs they generate using Copilot....
Why it matters: This provision incorporates three external policy documents by reference, including a Microsoft policy, creating a multi-document compliance obligation. The Required Mitigations at aka.ms/AIfilters establish specific technical and procedural obligations that apply alongside the GitHub Acceptable Use Policies....
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GitHub
· GitHub Copilot Product Terms
The document states it was deprecated effective 5 March 2026, and that all new subscriptions and renewals from that date are governed by the GitHub Generative AI Services Terms rather than these terms....
Why it matters: Organizations with Copilot Business or Enterprise subscriptions renewing on or after 5 March 2026 are subject to different governing terms, requiring a contract transition review to assess whether material obligations, data handling provisions, or liability terms have changed....
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GitHub
· GitHub Copilot Product Terms
The terms explicitly exclude two user categories from their scope: users who purchase through a Microsoft agreement, and users on the GitHub Copilot Individual plan. Each excluded group is directed to a different governing document....
Why it matters: This provision establishes that the applicable governing terms for GitHub Copilot depend on the procurement channel and plan type, creating three parallel governance tracks. Organizations should confirm their procurement channel to identify which document governs their use....
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GitHub
· GitHub Copilot Product Terms
The terms state that experimental or pre-release Copilot functionality is excluded from this agreement and governed by separate pre-release license terms. Participation in previews is opt-in....
Why it matters: This provision establishes that users who opt into experimental Copilot features are subject to different and separately published terms, which may contain different data handling, liability, or acceptable use provisions than this document. The pre-release license terms are not reproduced or linked in this document....
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Coinbase
· Coinbase User Agreement
The agreement requires that virtually all disputes between users and Coinbase be resolved through binding individual arbitration rather than court proceedings, and includes waivers of the right to bring class actions, collective actions, representative actions, and jury trials. Users must also complete a formal complaint process before initiating arbitration....
Why it matters: This provision requires disputes to proceed through individual binding arbitration, eliminating access to class or collective proceedings and jury trials. Users must complete a formal complaint process, including a 45-business-day resolution window, before filing any arbitration or small claims action; failure to complete this step may result in dismissal of the claim....
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Coinbase
· Coinbase User Agreement
Coinbase may immediately suspend, restrict, or terminate any user account for any reason at its sole discretion, without being required to disclose the reason or the risk criteria that informed the decision. Users retain a 90-day window to transfer assets after account deactivation unless prohibited by law or court order....
Why it matters: This provision authorizes immediate account suspension or termination without prior notice or disclosed justification, based on confidential risk criteria. The operational consequence for users is that access to digital assets and USD wallet funds may be interrupted without advance warning, subject to the 90-day transfer window and any applicable legal restrictions....
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Coinbase
· Coinbase User Agreement
Coinbase's maximum liability to any user is capped at the value of the digital assets in that user's wallet at the time of the claim, and Coinbase excludes all liability for lost profits, diminution in value, consequential, indirect, and incidental damages, except where a court finally determines that the damages resulted from Coinbase's gross negligence, fraud, willful misconduct, or intentional violation of law....
Why it matters: This provision establishes a damages cap tied to the current wallet value and excludes all consequential, indirect, and incidental damages from the scope of potential recovery. The gross negligence and fraud carve-out preserves some recovery pathway, but applicable law in some jurisdictions may limit the enforceability of certain exclusions....
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Coinbase
· Coinbase User Agreement
The agreement states that title to digital assets held in user wallets remains with users at all times, that these assets are not Coinbase property, and are not subject to Coinbase creditor claims. Coinbase may hold assets in shared omnibus blockchain addresses across multiple protocols with no obligation to create segregated addresses per user....
Why it matters: This provision establishes the contractual custodial framework, asserting user ownership and creditor-protection status for held assets. However, the omnibus account structure means assets are held on shared blockchain addresses; the practical application of the ownership and creditor-protection assertions in a Coinbase insolvency scenario would depend on applicable bankruptcy law and state property law rather than solely on these contract terms....
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Coinbase
· Coinbase User Agreement
When users share any content through Coinbase services, they grant Coinbase a worldwide, royalty-free, perpetual, sublicensable, and transferable license to use, reproduce, modify, distribute, and translate that content for operating, improving, developing, and promoting its services....
Why it matters: This provision grants Coinbase a license to user-submitted content that is perpetual and survives account termination, and includes sublicensing and transfer rights that permit Coinbase to extend these permissions to third parties. The scope covers all user-submitted content including communications....
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Coinbase
· Coinbase User Agreement
Coinbase may modify the agreement at any time by posting a revised version on its website. Continued use of services after posting constitutes acceptance of the revised terms. The only remedy available to users who disagree with changes is to close their account....
Why it matters: This provision permits Coinbase to modify material terms of the agreement by website posting, with continued use constituting acceptance. The agreement does not specify a notice period for all changes, though certain state-specific disclosures (California, for example) require at least 14 days prior notice of material fee or term changes for residents of those states....
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Coinbase
· Coinbase User Agreement
Users consent to Coinbase collecting and retaining name, address, telephone number, email, date of birth, taxpayer identification number, government identification, bank account details, and in some cases biometric information. Users also authorize their wireless carrier to share device and account information with Coinbase for identity verification and fraud prevention for the duration of the account....
Why it matters: This provision establishes the scope of personal data collection and retention, including biometric data where permitted by law, and extends to a standing authorization for wireless carrier data disclosure to Coinbase for the life of the account. The biometric data collection, where applicable, interacts with state biometric privacy laws including the Illinois Biometric Information Privacy Act....
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Coinbase
· Coinbase User Agreement
Coinbase charges fees and a spread on digital asset transactions, with the specific fee amounts disclosed on its Pricing and Fees Disclosures page and at the time of each transaction. Network fees are calculated at Coinbase's discretion. Coinbase reserves the right to adjust fees at any time, with 30 days prior notice required in some states....
Why it matters: The spread, which represents the difference between the market price and the transaction price, is separate from disclosed fees and represents an additional cost that may not be reflected in standard fee disclosures. State-specific disclosures cap the Coinbase Fee at $10 for transactions under $200 and 6% for all other transactions in certain jurisdictions, including California, Minnesota, North Dakota, Rhode Island, and Washington....
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Coinbase
· Coinbase User Agreement
Users who opt in to text messages consent to recurring automated SMS, MMS, and successor technology messages from Coinbase. Users also indemnify Coinbase against all TCPA and state law equivalent claims, including claims arising from the user providing a telephone number they do not own....
Why it matters: The indemnification provision shifts TCPA litigation risk to the user for claims arising from the user providing a telephone number belonging to another person, which is a common scenario in TCPA class action litigation. This provision may affect Coinbase's ability to be held liable in certain third-party TCPA claims and transfers that exposure to the user....
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Coinbase
· Coinbase User Agreement
Coinbase One subscriptions automatically renew and authorize recurring charges to any stored payment method, cash balance, or digital asset balance. If the primary payment method fails, Coinbase is authorized to charge any other stored payment method or digital asset holding. Free trials automatically convert to paid subscriptions unless cancelled before trial end....
Why it matters: The auto-renewal provision authorizes Coinbase to charge subscription fees against digital asset balances in addition to fiat payment methods, which introduces market volatility risk to subscription payment execution. Cancellation must be completed before the renewal date to avoid the next charge....