Provisions Index

Noom states it uses reasonable technical and organizational measures to protect your personal data from unauthorized access, but acknowledges that no security system is completely secure....

Why it matters: The 'reasonable measures' standard is vague and provides no specific security guarantee — if a breach occurs, this language limits Noom's accountability to users....

Skillshare uses third-party tools like Crazy Egg, HotJar, and Microsoft Clarity to record your activity on the site, including mouse movements, clicks, scrolling, and page visits, in the form of a video replay. By agreeing to the Privacy Policy, you consent to this recording....

Why it matters: Session replay tools capture highly detailed behavioral data that goes beyond typical analytics — they can record sensitive information you type or interact with on screen, raising significant privacy concerns....

Skillshare shares your personal data — including your name, email address, country, browser language, device settings, and viewing activity — with the teachers whose classes you access or purchase....

Why it matters: Users may not expect that individual teachers, who are independent creators rather than Skillshare employees, receive their personal contact and behavioral data....

Skillshare uses your personal data to train machine learning and algorithmic models that categorize and organize content on the platform....

Why it matters: Your personal information and behavior are used to train AI systems, which may have long-term implications for how your data is processed and retained beyond your immediate use of the service....

Skillshare transfers your personal data internationally to countries that may have weaker privacy laws than where you live, including the EU or UK....

Why it matters: When your data is transferred to countries with less stringent privacy protections, your rights over that data may be harder to enforce and the data may be subject to different government access regimes....

If Skillshare is involved in a merger, acquisition, or asset sale, your personal data may be transferred to the new owner, as long as they agree to treat it consistently with this Privacy Policy....

Why it matters: Your data could be transferred to a completely different company if Skillshare is acquired, and the protections offered depend on a contractual promise rather than regulatory enforcement....

California residents have the right to opt out of the sale or sharing of their personal data for cross-context behavioral advertising purposes, and can exercise this right by contacting Skillshare....

Why it matters: Skillshare shares personal data with advertising and marketing partners, and California law gives residents the explicit right to stop this — but you must actively exercise it....

Skillshare states that the Services are not directed to children under 13 (or under 16 in some jurisdictions) and that they do not knowingly collect personal data from children....

Why it matters: If a child has created a Skillshare account, their personal data may have been collected without the parental consent required by law, and parents can request deletion of that data....

Skillshare receives inferred interests and demographic data about you from advertising and marketing partners, and combines this with data it already holds to build a more detailed profile for targeted advertising....

Why it matters: Your profile at Skillshare is enriched with data from outside sources you may never have interacted with, meaning the company knows more about you than what you directly provided....

Skillshare keeps your personal data for as long as your account is active or as needed to provide services, comply with legal obligations, resolve disputes, and enforce agreements — but does not specify exact retention periods....

Why it matters: Without defined retention limits, your personal data could be held indefinitely, limiting your practical ability to have it deleted even after you stop using the service....

Teachers on Skillshare must provide detailed payment and tax information including PayPal or bank account details, physical addresses, tax identification numbers, and biographical information to receive payments....

Why it matters: Teachers share highly sensitive financial and tax identification data with Skillshare and its third-party payment and tax compliance partners, creating significant data security and identity theft risk if mishandled....

The Audible website embeds extensive Amazon-owned tracking code that monitors your browsing behavior, clicks, page timing, and session activity every time you visit....

Why it matters: These scripts collect behavioral data about you without a clearly visible disclosure in the provided source, raising questions about informed consent under applicable privacy laws....

Audible uses cookies to track your session, remember your identity across visits, and measure how you interact with the site....

Why it matters: Cookies can be used to build a profile of your habits and preferences over time, which may be shared with Amazon and third-party advertising partners....

The document provided does not contain the actual text of Audible's privacy policy — only the website's HTML code was supplied, meaning no formal privacy disclosures could be reviewed....

Why it matters: Without the full policy text, consumers and compliance teams cannot verify what data is collected, how it is used, who it is shared with, or what rights users hold....

Audible uses Amazon's single sign-on system, meaning your Audible login is linked to your Amazon account and data may flow between the two platforms....

Why it matters: Linking your Audible and Amazon identities allows Amazon to combine your audiobook listening habits with your broader Amazon shopping, browsing, and usage data....

Audible collects detailed data about how you interact with its website, including what you click, how long pages take to load, and how you scroll....

Why it matters: This behavioral data can be used to build detailed profiles of your preferences and habits, which may be used for advertising, product recommendations, or shared with Amazon....

TaskRabbit may share your personal information with third-party companies for advertising purposes, meaning your data can be used to target you with ads outside the TaskRabbit platform....

Why it matters: This means your browsing behavior, contact details, and platform activity may be shared with advertisers without explicit per-instance consent, affecting your broader digital privacy....

If you live in California or the US, you have the right to opt out of TaskRabbit sharing your personal information in ways that may qualify as a 'sale' under California privacy law, especially for advertising technology purposes....

Why it matters: California residents have a legal right to stop their personal data from being sold to third parties, and TaskRabbit acknowledges that its advertising activities could qualify as a sale under CCPA....

You can ask TaskRabbit to delete the personal information it holds about you, though the company may keep some data to comply with legal obligations....

Why it matters: This right gives you meaningful control over your data, but the exception for legal obligations means some information may be retained even after a deletion request....

TaskRabbit may share or transfer all of your personal information to another company if TaskRabbit is involved in a merger, acquisition, or sale of its assets....

Why it matters: Your personal data could end up with a completely different company without your active consent if TaskRabbit is sold or merges, and you may have limited ability to prevent this....

TaskRabbit stores all user data, including data from Canadian and international users, on servers located in the United States, and by agreeing to the policy you consent to this transfer....

Why it matters: Users outside the US, particularly in Canada and the EU, may have stronger data protection rights at home that do not apply once their data is transferred to and processed in the US....

TaskRabbit collects sensitive information including background check results (which may include criminal records), government-issued ID photos, social security numbers, and tax ID numbers from certain users....

Why it matters: This is among the most sensitive categories of personal data, and its collection, use, and disclosure to third-party background check providers carries elevated risk for identity theft and privacy violations....

For EU and UK users, TaskRabbit processes certain personal data — including your identity information and device data — based on its own 'legitimate business interests' rather than asking for your consent....

Why it matters: Processing on a legitimate interests basis means TaskRabbit does not need your consent for certain uses of your data, though you do have the right to object to this processing....

You can stop receiving marketing emails, texts, and push notifications from TaskRabbit at any time by adjusting your notification settings or using the unsubscribe/STOP mechanisms in messages....

Why it matters: This gives consumers a straightforward way to reduce unwanted marketing contact, though TaskRabbit will continue to send transactional messages such as booking confirmations....

TaskRabbit may share your contact information with another user or their legal representative to resolve disputes or investigations arising from your interactions on the platform....

Why it matters: Your personal contact details could be disclosed to another person — or their lawyers — without your advance consent if a dispute arises, which has real safety implications particularly for in-home service workers....

TaskRabbit keeps your personal information for as long as needed to provide services and meet legal obligations, and will delete or anonymize it when it is no longer required....

Why it matters: The policy does not specify exact retention periods for different data categories, meaning your sensitive data including background check results and financial information could be retained for an indeterminate period....

If you have a dispute with Chegg, you must resolve it through individual arbitration rather than going to court, and you cannot join or lead a class action lawsuit against Chegg....

Why it matters: This means you cannot sue Chegg in court or combine your claim with other users, which makes it much harder and more expensive to pursue small or individual grievances....

Chegg automatically renews your paid subscription at the end of each billing period and charges your payment method unless you cancel before the renewal date....

Why it matters: If you forget to cancel, you will be charged for another subscription period, and Chegg's refund policy may limit your ability to recover those funds....

When you submit content to Chegg — such as answers, questions, or other materials — you give Chegg a worldwide, royalty-free, perpetual license to use, copy, modify, and distribute that content....

Why it matters: This means Chegg can use your submitted content in any way it chooses, including for commercial purposes, without paying you or asking permission again....

Chegg limits its financial responsibility for any harm or losses to the amount you paid Chegg in the six months before the problem occurred....

Why it matters: Even if Chegg causes significant harm — such as a data breach or service failure — you can only recover up to what you paid in the prior six months, which may be far less than your actual losses....

You must be at least 13 years old to use Chegg, and certain services require you to be 18 or older. Users under 18 must have parental or guardian consent....

Why it matters: Parents should know that minors using Chegg are subject to the same terms, including arbitration waivers and data collection practices, and parental consent is required for users under 18....

Chegg can change these Terms of Use at any time and will notify you by posting the updated terms on its website or via email, with continued use of the service constituting acceptance....

Why it matters: If you continue using Chegg after a terms update, you are automatically agreeing to the new terms even if you haven't read them, which could include less favorable conditions....

Chegg can suspend or terminate your account at any time, for any reason, including violations of the terms, and may do so without prior notice....

Why it matters: You could lose access to services you have paid for if Chegg suspends your account, and the terms limit your ability to challenge this decision....

All disputes with Chegg are governed by California law, regardless of where you live, and any non-arbitration legal proceedings must be brought in Santa Clara County, California....

Why it matters: If you need to pursue legal action against Chegg outside of arbitration, you may need to do so in California courts, which could be prohibitively expensive or inconvenient for users in other states or countries....

You may only use Chegg for personal, non-commercial purposes and cannot copy, distribute, or create derivative works from Chegg's content without permission....

Why it matters: Using Chegg's content for commercial purposes, sharing answers widely, or reproducing platform content without permission could result in account termination or legal action....

You agree to defend and pay for any legal costs Chegg incurs if a third party sues them because of your use of the service or your violation of these terms....

Why it matters: If your actions on Chegg lead to a lawsuit against the company, you could be personally responsible for Chegg's legal fees and any resulting damages — a significant financial exposure....

If you have a dispute with Peacock, you must resolve it through private arbitration rather than going to court. This means a neutral arbitrator, not a judge or jury, will decide the outcome....

Why it matters: Arbitration is typically less transparent than court proceedings and limits your ability to appeal decisions, which generally favors the company over individual consumers....

You agree not to bring or participate in any class action lawsuit against Peacock. Any dispute must be handled individually, not as part of a group claim....

Why it matters: Class action lawsuits are often the only practical way for individual consumers to hold large companies accountable for widespread harms. Waiving this right severely limits collective recourse....

Your Peacock subscription automatically renews and your payment method is charged at the end of each billing period unless you cancel before the renewal date....

Why it matters: Many consumers forget to cancel subscriptions before renewal, resulting in unexpected charges. Auto-renewal practices are a leading source of consumer complaints to regulators....

Peacock limits the amount it can be held responsible for to the total amount you paid for the service in the past 12 months, and disclaims liability for many types of damages entirely....

Why it matters: If Peacock causes you significant harm — such as a data breach or service failure — the maximum compensation you can receive is capped at what you paid for your subscription, which may be far less than your actual losses....

You agree to cover Peacock's legal costs and damages if your use of the service causes Peacock to face a lawsuit or legal claim....

Why it matters: This means that if your activity on Peacock leads to legal action against the company, you could be personally responsible for paying Peacock's legal fees and any resulting damages — even in cases where the outcome is uncertain....

Peacock can change these Terms of Use at any time, and your continued use of the service after changes are posted means you have accepted the new terms....

Why it matters: Consumers may not notice when terms change, yet continued use of the service is treated as legally binding acceptance — even of terms that are less favorable than what was originally agreed....

All content on Peacock is owned by or licensed to Peacock, and you are only granted a limited, non-exclusive right to stream content for personal, non-commercial use....

Why it matters: You do not own any content you watch on Peacock; you are only granted a temporary license to stream it. Peacock can remove content from its library at any time....

You must be at least 18 years old (or the legal age of majority in your jurisdiction) to create a Peacock account. Minors may only use the service under parental supervision....

Why it matters: Peacock collects personal data from account holders, and age gating is required by law to protect minors from data collection and inappropriate content exposure....

Peacock can suspend or terminate your account at any time, for any reason, including for violations of these Terms or at Peacock's sole discretion....

Why it matters: Your access to content you've paid for can be cut off without much notice or recourse, and the Terms do not clearly guarantee refunds in such circumstances....

Disputes with Peacock are governed by the laws of the State of New York, and any non-arbitrated claims must be brought in courts located in New York....

Why it matters: If you live outside New York and have a dispute that proceeds to court, you would need to bring your claim in New York, which is costly and impractical for most consumers....

Zelle shares your personal information with other companies for the purpose of showing you targeted ads across different websites and apps, even though they say they do not directly sell your data....

Why it matters: Under California's CCPA/CPRA, sharing data for cross-context behavioral advertising is treated similarly to selling data, meaning California residents have the legal right to opt out of this practice....

Zelle states that 99.36% of consumer checking and savings accounts linked to Zelle do not charge a fee to send, receive, or request money, based on a Q4 2024 survey....

Why it matters: The disclosure implies that a small percentage of accounts may still be charged fees, and consumers should check with their individual financial institution to confirm their fee status before using the service....

Zelle only operates within the United States, meaning you can only send and receive money to and from other US-based bank accounts....

Why it matters: Consumers who attempt to use Zelle for international transfers will not be able to do so, and should be aware this limitation exists before relying on the platform....

Both the sender and recipient must have enrolled Zelle accounts for transactions to go through; payment requests can only be sent to enrolled Zelle users....

Why it matters: If a recipient has not enrolled with Zelle, the transaction cannot be completed, which may cause delays or failed payments that consumers may not anticipate....