-
Skillshare
· Skillshare Terms of Service
The agreement states that the Terms of Service are governed by New York law, without regard to conflict of law rules....
Why it matters: The New York governing law clause determines the substantive law applicable to disputes between users and Skillshare, including interpretation of the arbitration provision and any claims not covered by federal law. This choice of law may affect users' ability to invoke consumer protection rights under their home state or country law....
-
Skillshare
· Skillshare Terms of Service
Users agree to indemnify and defend Skillshare, its affiliates, officers, directors, and employees against all claims, damages, liabilities, and expenses including attorney's fees arising from the user's use of the service, violations of the terms, violations of third-party rights, or damage caused by user-submitted content....
Why it matters: This provision requires users to bear the cost of defending Skillshare against third-party claims arising from user conduct or content. The indemnification scope covers attorney's fees and all associated costs, which could create significant financial exposure for users whose content or conduct gives rise to third-party claims....
-
Roblox
· Roblox Privacy Policy
The policy states that personalized advertising is disabled for users under 13 by default and is not available to any user under the age of 18, regardless of account settings....
Why it matters: This provision establishes a hard age threshold of 18 for personalized advertising participation, which the April 2026 update added clarifying language to address. This clause directly governs which user populations are eligible for behavioral or interest-based advertising on the platform and is relevant to both COPPA compliance for under-13 users and broader youth advertising regulatory frameworks....
-
Roblox
· Roblox Privacy Policy
The policy states that Roblox collects IP addresses and unique device identifiers from users under 13 for specified internal operations including contextual advertising frequency capping, authentication, and security, without requiring separate parental consent for these identifiers under the COPPA internal operations exception....
Why it matters: This provision invokes the COPPA internal operations exception to justify collecting persistent identifiers from children without separate verifiable parental consent. The scope of permitted uses, including contextual advertising frequency capping, may warrant evaluation against FTC guidance on what constitutes permissible internal operations under COPPA....
-
Roblox
· Roblox Privacy Policy
The policy states that Roblox may collect facial images including selfies from users for the purpose of estimating age, with those images deleted upon completion of the age assurance process....
Why it matters: This provision discloses collection of facial images for age estimation purposes, which may constitute biometric data collection under applicable state and national laws including Illinois BIPA, Texas CUBI, Washington My Health MY Data Act, and GDPR's special category data provisions. The stated deletion practice upon process completion does not eliminate the collection itself as a regulatory trigger in jurisdictions with strict biometric data consent requirements....
-
Monitoring
These provisions have changed before.
Monitor includes same-day alerts, structured change summaries, and monitoring for up to 25 platforms.
-
Roblox
· Roblox Privacy Policy
The April 2026 update added language to the policy describing Roblox's practices for sharing user information with governmental authorities; the specific language of this provision was not fully reproduced in the truncated document text provided....
Why it matters: Disclosure of practices for sharing information with authorities is relevant to government request transparency and user notice obligations under GDPR, which generally requires disclosure of lawful bases for processing that includes compliance with legal obligations, and under US state privacy laws that require disclosure of law enforcement data sharing....
-
Roblox
· Roblox Privacy Policy
The policy states that account deletion initiates permanent data deletion but permits retention and processing of persistent identifiers such as IP addresses and device identifiers for up to two years after deletion for stated safety and security purposes....
Why it matters: This provision establishes a two-year post-deletion retention period for persistent identifiers, which creates a materially longer data lifecycle than account deletion alone would suggest. Under GDPR, retention beyond what is necessary for the original purpose requires a documented lawful basis and proportionality justification; under CCPA and similar state laws, users' deletion rights may be subject to exceptions for security and fraud prevention purposes....
-
Roblox
· Roblox Privacy Policy
The policy establishes that location-specific provisions in Section 8, covering regions such as the EEA, UK, California, Brazil, and Korea, take precedence over the general policy terms in Sections 1-5 in the event of a conflict....
Why it matters: This provision creates a hierarchy within the policy document that makes the regional addenda operative for users in covered jurisdictions, which is relevant to assessing the effective rights of users in high-enforcement regions such as the EEA and California where the addenda may confer rights beyond or different from the general policy....
-
Roblox
· Roblox Privacy Policy
The policy states that if a child provides a parent's email address to link a parental account and the parent does not complete the linking process, Roblox will delete that email address within 24 hours....
Why it matters: This provision establishes a specific 24-hour data minimization practice for parental email addresses that are not acted upon, which reflects a COPPA-aligned data minimization commitment and reduces the retention of personal information beyond the purpose for which it was collected....
-
Roblox
· Roblox Privacy Policy
The policy states that Roblox applies both human and automated filtering to public content areas to remove personal information, phishing attempts, and prohibited content, while acknowledging that these systems are not fully effective....
Why it matters: This provision discloses that user-generated content in public areas is subject to both human review and automated moderation, which involves Roblox processing the content of user communications. The acknowledgment that filtering is not 100% effective is a material disclosure relevant to user safety expectations, particularly for a platform with a large population of minor users....
-
Robinhood
· Robinhood Customer Agreement
The Robinhood legal disclosure library page presents multiple linked legal documents covering distinct product lines and operating entities rather than a single unified terms of service agreement, meaning applicable terms vary by product and account type....
Why it matters: This provision structure requires users to identify and review multiple separate agreements to understand the full scope of their contractual obligations and rights, with the operative document depending on which Robinhood product or account they hold....
-
Robinhood
· Robinhood Customer Agreement
As a FINRA-registered broker-dealer, Robinhood's brokerage customer agreements standardly require that disputes arising from brokerage services be resolved through FINRA arbitration rather than court litigation, consistent with FINRA Rule 12200....
Why it matters: This provision requires brokerage customers to resolve disputes through the FINRA arbitration forum, a mandatory industry-standard mechanism for broker-dealer disputes that operates under FINRA Rules 12000 through 12900....
-
Robinhood
· Robinhood Customer Agreement
The Robinhood disclosure library links to a Privacy Policy that governs the collection, use, and sharing of personal and financial data across Robinhood's brokerage, crypto, cash management, and subscription products....
Why it matters: The Privacy Policy linked from this disclosure library governs what personal, financial, and behavioral data Robinhood collects from users across its platform, and the terms under which that data may be shared with third parties or used for product and marketing purposes....
-
Robinhood
· Robinhood Customer Agreement
The disclosure library references Robinhood Gold as a subscription product, the terms of which are linked separately and govern recurring subscription fees, features, eligibility, and cancellation procedures....
Why it matters: The Robinhood Gold subscription agreement establishes the fee structure, auto-renewal terms, and cancellation procedures applicable to paying subscribers, and determines eligibility for features including margin investing, higher instant deposit limits, and premium data....
-
Robinhood
· Robinhood Customer Agreement
The brokerage customer agreement linked from the disclosure library governs the terms under which users may open and maintain a Robinhood brokerage account, including eligibility requirements, account restrictions, margin account conditions, and options trading approvals....
Why it matters: This provision establishes the contractual framework governing account access, trading permissions, and account restriction or suspension procedures applicable to Robinhood brokerage customers....
-
Substack
· Substack Terms of Use
Users grant Substack a royalty-free, perpetual, irrevocable, worldwide license to translate, modify, and reproduce their posted content for the purpose of operating and improving the platform. The agreement states this license does not transfer ownership of content to Substack....
Why it matters: This provision establishes that the content license granted to Substack persists indefinitely regardless of account deletion or cessation of service use, and applies to all posts including publications, subscriber lists, text, and photos uploaded to the platform. Under this clause, Substack retains the right to continue using licensed content in modified or adapted forms even after a user's account is closed....
-
Substack
· Substack Terms of Use
The agreement requires that all disputes related to these Terms be resolved through individual binding arbitration administered by JAMS in San Francisco County, California, conducted by a single commercial arbitrator. Users and Substack each waive the right to participate in class action proceedings....
Why it matters: This provision requires disputes to proceed through individual arbitration rather than court litigation, and establishes JAMS Streamlined Arbitration Rules as the governing procedure with venue fixed in San Francisco County. Under this clause, users waive participation in class or collective actions, meaning disputes must be pursued individually through the arbitration process....
-
Substack
· Substack Terms of Use
The agreement caps Substack's total aggregate liability to any user at the greater of $100 or the amounts the user paid to Substack in the preceding twelve months, and excludes indirect, special, incidental, or consequential damages entirely. This cap applies to the fullest extent permitted by applicable law....
Why it matters: This provision establishes a specific monetary ceiling on Substack's liability exposure per claim, which for free-tier users would be capped at $100. The exclusion of consequential and indirect damages limits the categories of loss users may recover in any dispute proceeding, including through the arbitration process established elsewhere in the agreement....
-
Substack
· Substack Terms of Use
The agreement authorizes Substack to terminate or suspend any user account at its sole discretion for any reason, with advance notice provided only when Substack determines it is practical and appropriate. The commitment to provide advance notice is qualified and not absolute....
Why it matters: This provision establishes that account termination and suspension are exercised at Substack's sole discretion without a requirement to demonstrate cause, and that advance notice before termination is a best-effort commitment rather than a contractual guarantee. For creators who depend on Substack for subscriber management and revenue, this creates an operational dependency without a defined termination notice period....
-
Substack
· Substack Terms of Use
The agreement requires users to indemnify Substack, its affiliates, officers, agents, employees, and partners against all claims, damages, and expenses including attorneys' fees arising from the user's platform use or terms violations, including actions taken by third parties using the user's account....
Why it matters: This provision establishes a broad indemnification obligation covering actual and consequential damages as well as attorneys' fees, extending to claims arising from third-party use of the user's account. Under this clause, users bear financial responsibility for defending Substack against third-party claims connected to their account activity even where the specific action was taken by another person using their credentials....
-
Substack
· Substack Terms of Use
The agreement prohibits use of Substack by individuals under 16 and states that Substack does not knowingly collect personally identifiable information from children under 16. The agreement commits to deleting any such data if discovered....
Why it matters: This provision establishes a minimum age of 16 for platform use, which is above the COPPA threshold of 13, and commits Substack to deleting data collected from under-16 users upon discovery. The provision does not describe specific technical age verification mechanisms, which may be relevant to assessing COPPA compliance in practice....
-
Substack
· Substack Terms of Use
The agreement reserves Substack's right to remove any content at any time for any reason without notice, at its sole discretion. Users are also prohibited from scraping, crawling, reverse engineering, or copying significant portions of platform content or attempting to access other users' account credentials....
Why it matters: This provision establishes that content removal is exercised at Substack's sole discretion without a notice requirement, including in response to third-party allegations of terms violations. The prohibition on scraping and automated data collection is relevant to developers, researchers, and organizations that may seek to access platform data programmatically....
-
Substack
· Substack Terms of Use
The agreement designates California state law and applicable federal law as the governing law for all disputes arising under the Terms, without applying conflict-of-laws principles that might otherwise direct courts to apply another jurisdiction's law....
Why it matters: This provision establishes California law as the legal framework for interpreting and enforcing the Terms, which affects which statutory consumer protections and common law doctrines apply to disputes. The exclusion of conflict-of-laws provisions means users outside California cannot invoke their local jurisdiction's law for disputes governed by this agreement, though mandatory local consumer protection law may still apply in practice in some jurisdictions....
-
Substack
· Substack Terms of Use
The agreement specifies that payment obligations, indemnification obligations, liability limitations, intellectual property terms, and dispute resolution terms remain in effect after account termination. The list includes an open-ended category of terms that 'by their nature' should survive....
Why it matters: This provision establishes that the financial, indemnification, and intellectual property obligations in the agreement continue to bind users after they close their accounts, including the perpetual content license and mandatory arbitration clause. The open-ended survival category allows Substack to assert that additional unstated provisions survive based on their nature....
-
Substack
· Substack Terms of Use
The agreement authorizes Substack to change the Terms at any time with notice provided via website posting, email, or other means. Continued use of the platform after a terms change constitutes acceptance of the revised terms, and rejection means the user may no longer use Substack....
Why it matters: This provision establishes that Substack may modify the Terms unilaterally and that continued platform use after notice constitutes binding acceptance of the changes. The agreement does not specify a minimum notice period before changes become effective, and notice may be provided by means including website posting alone....
-
YouTube
· YouTube Community Guidelines
The document states that YouTube Partner Program participation requires adherence to monetization policies, a pre-admission channel review, and ongoing compliance with Advertiser-Friendly Guidelines, with demonetization of non-compliant videos and YPP suspension for repeat violations....
Why it matters: This provision establishes the conditions under which creator monetization eligibility is granted and revoked, including a discretionary channel review process and an unspecified threshold for what constitutes a repeat offense triggering YPP suspension....
-
YouTube
· YouTube Community Guidelines
The document states that violating content is identified through a combination of automated detection systems and human reporting, with most detection occurring automatically, and that YouTube attempts to limit viewing of violating content prior to removal....
Why it matters: This provision discloses that automated systems are the primary mechanism for content moderation enforcement, which is operationally significant for creators and advertisers because automated detection errors may affect content availability before any human review or appeal occurs....
-
YouTube
· YouTube Community Guidelines
The document states that YouTube notifies creators of video removals and potential YPP suspensions, and that creators have the ability to appeal those decisions....
Why it matters: This provision discloses the existence of a notification and appeals mechanism for content removal and YPP suspension decisions, which is operationally relevant for creators seeking to challenge enforcement actions. The document does not specify appeal timelines, review standards, or the scope of decisions that are appealable....
-
YouTube
· YouTube Community Guidelines
The document states that content that would otherwise violate Community Guidelines may be permitted when it has a clear educational, documentary, scientific, or artistic context or serves the public interest....
Why it matters: This provision establishes a discretionary exception mechanism that permits otherwise violating content to remain on the platform based on a contextual assessment, which is operationally significant for journalists, educators, researchers, and documentary creators whose content may engage sensitive subjects....
-
YouTube
· YouTube Community Guidelines
The document states that content praising, promoting, or aiding violent extremist or criminal organizations is prohibited, and that YouTube uses government and international organization designations among other factors to define which organizations qualify....
Why it matters: This provision discloses that YouTube's definition of prohibited extremist content is partially determined by reference to external government and international organization designation lists, which may vary by jurisdiction and change over time, affecting which content is subject to removal....
-
YouTube
· YouTube Community Guidelines
The document states that YPP creators must comply with Advertiser-Friendly Content Guidelines as a condition of having advertisements served on their content and receiving a share of advertising revenue....
Why it matters: This provision establishes that ad revenue eligibility for YPP creators is conditioned on compliance with Advertiser-Friendly Guidelines, which are a separate policy document from the Community Guidelines. Creators whose content complies with Community Guidelines but not Advertiser-Friendly Guidelines may still face demonetization....
-
Rumble
· Rumble Terms of Service
Uploading content to Rumble grants the platform a worldwide, royalty-free, sublicensable license to use, reproduce, modify, publish, display, and distribute that content across all current and future media formats, including through third-party syndication and broadcast partners....
Why it matters: This provision authorizes Rumble to sublicense uploaded content to third-party media and distribution partners without requiring per-transaction creator approval, and the license is perpetual and irrevocable, meaning it persists even if the creator removes the content or closes their account....
-
Rumble
· Rumble Terms of Service
Uploading content to Rumble constitutes the uploader's appointment of Rumble as their non-exclusive agent, authorizing Rumble to negotiate and execute content licensing agreements with third parties including television networks and digital media platforms on the creator's behalf....
Why it matters: This provision establishes a formal agency relationship under which Rumble has authority to bind creators to third-party licensing agreements without requiring individual creator approval for each transaction, within the scope of the revenue share structure....
-
Rumble
· Rumble Terms of Service
All disputes between users and Rumble must be resolved through individual binding arbitration under U.S. Federal Arbitration Act governance, with no right to jury trial and no participation in class, representative, or consolidated proceedings....
Why it matters: This provision requires all disputes to proceed through individual binding arbitration rather than court proceedings, and the class action waiver means users cannot aggregate claims with other users regardless of the nature or scale of the dispute....
-
Rumble
· Rumble Terms of Service
Users and Rumble may only bring claims against each other on an individual basis and may not act as a plaintiff or class member in any class or representative proceeding....
Why it matters: This provision, in conjunction with the mandatory arbitration clause, requires that any claims against Rumble be pursued individually rather than collectively, regardless of whether multiple users may share the same grievance....
-
Rumble
· Rumble Terms of Service
Rumble disclaims liability for indirect, incidental, special, consequential, punitive, and exemplary damages arising from platform use, including loss of profits, data, or goodwill, to the maximum extent permitted by applicable law....
Why it matters: This provision limits the categories of recoverable damages available to users in the event of a claim against Rumble, excluding consequential and punitive damages regardless of whether Rumble had prior notice of the potential harm....
-
Rumble
· Rumble Terms of Service
Rumble states that its services are not directed at children under 13, disclaims knowing collection of personal information from children under 13, and provides a contact email for reporting such data collection....
Why it matters: This provision establishes Rumble's COPPA compliance posture through a prohibition and disclaimer structure rather than an affirmative age verification mechanism, placing responsibility for compliance on user self-attestation....
-
Rumble
· Rumble Terms of Service
Users agree to indemnify and hold harmless Rumble, its affiliates, officers, directors, employees, and agents from any claims, damages, liabilities, and costs including attorney's fees arising from the user's platform use, terms violations, third-party rights violations, or content that causes third-party harm....
Why it matters: This provision requires users to bear the cost of defending Rumble against third-party claims arising from user conduct or content, including claims by third parties that user-uploaded content infringed their rights, which could create financial exposure for creators in the event of copyright or defamation disputes....
-
Rumble
· Rumble Terms of Service
Rumble reserves the right to suspend or terminate any user account at any time, for any reason, with or without notice, at its sole discretion; users may terminate their own accounts by discontinuing use or contacting support....
Why it matters: This provision authorizes Rumble to terminate user accounts and deny platform access without prior notice and without cause, which affects creators who rely on the platform for content distribution and monetization....
-
Rumble
· Rumble Terms of Service
The terms are governed by Florida law and non-arbitrable disputes must be litigated exclusively in state or federal courts in Hillsborough County, Florida, with users consenting to personal jurisdiction there....
Why it matters: This provision requires non-arbitrable disputes to be litigated in Florida courts, which may create a practical burden for users located in other states or countries who wish to pursue court-based claims against Rumble....
-
Rumble
· Rumble Terms of Service
Users are solely responsible for content they upload or post and agree not to post content that is unlawful, harmful, abusive, defamatory, obscene, privacy-invasive, hateful, or that infringes third-party intellectual property rights or contains malicious code....
Why it matters: This provision places sole responsibility on users for uploaded content and establishes categories of prohibited content, with violations potentially triggering the account termination provisions and the indemnification obligations described elsewhere in the terms....
-
OpenRouter
· OpenRouter Terms of Service
The agreement requires all disputes between users and OpenRouter to be resolved through binding individual arbitration administered by JAMS, rather than through court proceedings, except for small claims matters. Users waive participation in class action litigation under these terms....
Why it matters: This provision requires disputes to proceed through individual arbitration under JAMS Streamlined Arbitration Rules, which determines the procedural forum and precludes consolidated or class proceedings. The terms include a 30-day written opt-out window from the date of first acceptance, making this a time-sensitive provision for newly onboarded users and organizations....
-
OpenRouter
· OpenRouter Terms of Service
The agreement limits refund eligibility for unused pre-paid Credits to a 24-hour window from the time of transaction processing, after which unused Credits become non-refundable. Platform fees are non-refundable in all cases, and cryptocurrency payments carry no refund eligibility under any circumstances....
Why it matters: This provision establishes a 24-hour refund window as the contractual limit for credit recovery, which is operationally narrow. Platform fees and cryptocurrency payments are categorically excluded from refund eligibility, creating financial terms that users should assess before purchasing, particularly for large credit transactions up to the $25,000 maximum....
-
OpenRouter
· OpenRouter Terms of Service
The agreement reserves the right to expire unused Credits 365 days after purchase. An optional Auto Recharge feature automatically charges the user's payment method when their Credit balance falls below a user-defined threshold; this feature can be cancelled at any time through the account page....
Why it matters: This provision establishes that pre-paid Credits have a finite shelf life of 365 days, which creates a financial forfeiture risk for infrequent users who accumulate credits. The Auto Recharge authorization, once enabled, permits recurring automated charges to the user's payment method until explicitly cancelled....
-
OpenRouter
· OpenRouter Terms of Service
The agreement establishes that organizational accounts are controlled by an Admin User who configures service settings for all Authorized Users within the organization, including enabling or disabling prompt logging, chat logging, zero data retention, and model training at the organizational level....
Why it matters: This provision delegates data handling configuration, including prompt logging and model training enablement, to organizational Admin Users rather than to individual Authorized Users. The data handling posture of Authorized Users, including whether their prompts are logged or used for model training, is determined by Admin User settings rather than individual consent....
-
OpenRouter
· OpenRouter Terms of Service
The agreement grants OpenRouter a worldwide, royalty-free, sublicensable license to use, reproduce, process, adapt, modify, publish, transmit, display, and distribute content submitted by users through the service, across all current and future media and distribution methods....
Why it matters: This provision establishes a broad content license covering all user-submitted content, including prompts and other inputs, with sublicensing rights and an open-ended scope covering future distribution methods. The license terms govern how OpenRouter may use content submitted through API calls and the chat interface....
-
OpenRouter
· OpenRouter Terms of Service
The agreement prohibits a range of activities including scraping, automated access beyond reasonable human rates, spam transmission, system interference, uploading malicious code, harvesting personal information, commercial solicitation, identity misrepresentation, and circumventing access controls....
Why it matters: This provision defines the boundaries of permitted service use and establishes grounds for account enforcement action. Violations may result in account suspension or termination, and the clause authorizes OpenRouter to assess what constitutes an unreasonable load on infrastructure at its sole discretion....
-
OpenRouter
· OpenRouter Terms of Service
The agreement excludes OpenRouter's liability for indirect, incidental, special, consequential, or punitive damages arising from service use, inability to access the service, third-party conduct, content obtained from the service, or unauthorized access to user transmissions, to the fullest extent permitted by applicable law....
Why it matters: This provision limits OpenRouter's financial exposure for a broad range of loss categories including lost profits, data loss, and consequential damages arising from service interruptions or third-party AI model outputs. The limitation applies across all legal theories and regardless of prior notice of potential damage....
-
OpenRouter
· OpenRouter Terms of Service
The agreement sets a minimum age of 13 for service access and requires parental or guardian consent for users under 18. Users represent by accepting the terms that they meet the age requirement and have not been previously suspended from the service....
Why it matters: This provision establishes age-based eligibility conditions for service access. The minimum age of 13 engages COPPA obligations for users under 13, while the requirement for parental consent for users aged 13-17 creates a representation-based gate rather than a verified consent mechanism. The document does not describe verification procedures for age or parental consent....
-
OpenRouter
· OpenRouter Terms of Service
The agreement designates California law as the governing law for all disputes, without regard to conflict of law provisions, and designates federal or state courts in San Francisco, California as the exclusive venue for any legal proceedings....
Why it matters: This provision establishes the legal framework and forum for all disputes not subject to arbitration. The California governing law designation engages California consumer protection statutes, including the CCPA, as potentially applicable to all users regardless of their geographic location....