Provisions Index

Zelle, its related marks, and the color purple are registered trademarks owned by Early Warning Services, LLC, which is the parent company behind the Zelle service....

Why it matters: This clarifies that Zelle is a product of Early Warning Services, LLC — a company co-owned by major US banks — which is important context for understanding who ultimately controls the service and its data practices....

If you have a dispute with Uniswap Labs, you must resolve it through private arbitration rather than going to court. This means a private arbitrator — not a judge or jury — will decide your case....

Why it matters: Arbitration removes your right to a public court proceeding, limits discovery, and decisions are generally final and difficult to appeal, which heavily favors large companies over individual consumers....

You agree not to participate in any class action lawsuit or class-wide arbitration against Uniswap Labs. Every dispute must be handled individually....

Why it matters: Class action waivers prevent consumers from banding together to hold a company accountable for widespread harm, which is especially significant when individual claim amounts are small and individual arbitration is economically impractical....

When you post any content — including messages, feedback, images, or data — on Uniswap's platform, you give Uniswap a permanent, worldwide, royalty-free license to use, copy, modify, and display that content for any business purpose....

Why it matters: This license is irrevocable and perpetual, meaning Uniswap can continue using your content even after you stop using the platform, and you receive no compensation for this use....

Uniswap can change these Terms of Service at any time simply by updating the date on the document. If you keep using Uniswap after changes are made, you are considered to have agreed to the new terms....

Why it matters: You may not receive direct notice of material changes to your legal rights — continued use of the platform is treated as acceptance, even if you were unaware of the changes....

Uniswap Labs says it does not own, operate, or control the Uniswap Protocol — the underlying trading system. This means it takes no responsibility for losses that occur through the protocol itself....

Why it matters: If you lose money due to a bug, exploit, or failure in the underlying Uniswap Protocol smart contracts, Uniswap Labs claims it bears no legal responsibility since it does not control the protocol....

You are not allowed to use Uniswap if you are subject to US economic sanctions, on any government restricted parties list, or located in a sanctioned country or territory....

Why it matters: Violating sanctions restrictions can expose users to serious legal liability, and Uniswap can immediately terminate access for any user suspected of being a prohibited person....

Uniswap disclaims all warranties about its products and limits its total liability to you to $100 USD or the amount you paid Uniswap in the past twelve months, whichever is greater....

Why it matters: This cap means that no matter how significant your financial loss from using Uniswap's platform, the maximum you could recover from Uniswap Labs is $100, making legal action economically impractical for most users....

Uniswap does not hold, control, or have access to the contents of your wallet. If you lose access to your wallet or send assets to the wrong address, Uniswap cannot help you recover anything....

Why it matters: Unlike traditional financial accounts, there is no customer service process to recover lost funds — you are solely responsible for securing your wallet credentials and any transaction errors are permanent....

Uniswap uses an AI chatbot for support, and by using it, you consent to your conversations being processed and stored by Uniswap for quality assurance and product development purposes....

Why it matters: Conversations with the AI chatbot may be retained indefinitely and used to improve Uniswap's products, and the document warns users not to submit sensitive personal information through this channel....

Uniswap can terminate your access to its products or revoke your username at any time, for any reason, with or without notice, including for violations of these terms or at their sole discretion....

Why it matters: You have no guaranteed right to continued access to the platform, and termination can happen without warning, potentially affecting your ability to manage digital assets stored in or accessed through the Uniswap Wallet....

GitHub may use your personal data, activity, and content to train artificial intelligence and machine learning models, including features like GitHub Copilot, though certain opt-out options are available....

Why it matters: Developers storing code on GitHub — including potentially proprietary or sensitive code — should be aware their contributions and behavior may feed into commercial AI products....

Your personal data may be transferred to and processed in countries outside your own, including the United States, with Standard Contractual Clauses used as the primary legal safeguard for EU/EEA transfers....

Why it matters: Data transferred internationally may be subject to different legal protections, and users in the EU and UK have specific rights regarding where their data goes....

As a Microsoft subsidiary, GitHub may share your personal data with Microsoft and other affiliated companies for business purposes including product improvement and service delivery....

Why it matters: Sharing data with Microsoft means your GitHub activity could be connected to your Microsoft account data, potentially creating a broader profile of your digital behavior....

GitHub may disclose your personal data to law enforcement, government agencies, or other third parties in response to valid legal process such as subpoenas, court orders, or national security requests....

Why it matters: Your private repositories, communications, and account data could be handed over to authorities without your prior knowledge in response to legal demands....

Users have the right to access, correct, delete, or export their personal data held by GitHub, and can exercise these rights through account settings or by contacting GitHub's privacy team....

Why it matters: These rights give you meaningful control over your personal information and allow you to request removal of your data from GitHub's systems....

California residents have additional rights under the CCPA/CPRA including the right to know what data is collected, the right to opt out of the sale or sharing of personal information, and the right to limit use of sensitive personal information....

Why it matters: California users have stronger legal protections than most US users, including the ability to stop GitHub from sharing their data with third parties for cross-context behavioral advertising....

GitHub retains certain personal data even after you delete your account, including for legal compliance, dispute resolution, and enforcement of agreements, and some data may persist in backup systems....

Why it matters: Deleting your GitHub account does not guarantee immediate or complete erasure of all your personal data from GitHub's systems....

GitHub uses cookies, pixel tags, and similar tracking technologies to collect information about your browsing behavior on their platform and across the web for analytics and advertising purposes....

Why it matters: Tracking technologies allow GitHub to monitor your activity both on and potentially off their platform, building a profile of your behavior that may be shared with third parties....

GitHub collects payment information when you purchase paid services, which is processed by third-party payment processors and may be stored for billing and fraud prevention purposes....

Why it matters: Your financial data is handled by external processors, meaning you should understand who has access to your payment details and how they are protected....

GitHub's services are not directed at children under 13, and users must be at least 13 years old (or older where local law requires) to create an account....

Why it matters: If a minor under the applicable age limit has created an account, their data may have been collected without valid parental consent, creating a legal and safety concern....

Midjourney shares your personal data, including through advertising cookies, with third-party analytics and advertising partners who may use it to deliver targeted ads and measure performance....

Why it matters: Your browsing behavior, usage data, and interactions on Midjourney may be used to profile you and serve targeted advertising, even if you did not explicitly consent to this beyond using the service....

If Midjourney is sold, merged, or undergoes restructuring, your personal data may be transferred to the acquiring company as part of that transaction....

Why it matters: Your personal information could end up under the control of a different company with different privacy practices, with no meaningful opportunity to object before the transfer occurs....

California residents have the right to opt out of Midjourney sharing their personal information with third parties through advertising cookies, even though Midjourney says it does not 'sell' data in the traditional sense....

Why it matters: Under California law, sharing data via advertising cookies can legally qualify as 'selling' or 'sharing,' giving California residents a meaningful opt-out right that other users may not have....

If you live in Europe, Switzerland, or the UK, you have strong data protection rights including the right to access, correct, delete, or port your data, and to object to how Midjourney processes it....

Why it matters: European users have significantly stronger legal protections than users in other regions, including the right to lodge a complaint with their national data protection authority....

Midjourney creates inferences about you — conclusions about your preferences, behaviors, and characteristics — based on how you use the service, and shares these inferences with third parties....

Why it matters: Inferences can reveal sensitive personal traits without your explicit disclosure, and sharing them with third parties can result in profiling that affects the ads and content you see across the internet....

Images you upload to Midjourney are classified as sensory data and are both collected and disclosed to third parties....

Why it matters: Uploaded images may contain identifiable information about you or others, and their sharing with third parties raises meaningful privacy concerns, particularly if the images include faces or other biometric-adjacent content....

Midjourney's service is not intended for children under 13, and the company will delete any data it discovers was collected from a child under 13 without parental consent....

Why it matters: Parents should be aware that if a child under 13 uses Midjourney, their data may have been collected, and they should contact Midjourney to request its removal....

Your personal data may be transferred to and stored on servers in other countries, including places where data protection laws may be weaker than in your home country....

Why it matters: If you are outside the US, your data could be transferred to the US or other jurisdictions where your local privacy laws may not apply, potentially reducing your legal protections....

Midjourney keeps your personal data for as long as needed to provide services, comply with legal obligations, resolve disputes, and enforce its agreements, without specifying exact retention periods....

Why it matters: The absence of specific retention timeframes means Midjourney could retain your data for extended periods, limiting your ability to predict when your information will be deleted....

Midjourney may update this privacy policy at any time and will notify you by email or a prominent notice on the service, but your continued use of the service constitutes acceptance of changes....

Why it matters: If you miss a notification, your continued use of Midjourney will be treated as consent to potentially significant changes in how your data is handled....

Max maintains separate Terms of Use for different countries and regions, meaning the rules that apply to your account depend on where you are located....

Why it matters: Consumers in different countries have different rights and protections under their local laws, and Max's differentiated terms reflect those varying obligations....

Max provides its Terms of Use in the local language of each supported country, not just in English....

Why it matters: Providing terms in local languages ensures consumers can understand their rights and obligations, which is often a legal requirement in many jurisdictions....

The Terms of Use are organized by geographic region (North America, Latin America, Europe, Asia Pacific, Middle East & Africa), and users must navigate to their region to find applicable terms....

Why it matters: Users who are unaware of this structure may not read the terms actually applicable to them, potentially missing important rights or obligations specific to their jurisdiction....

Strava may use your health data — including heart rate, sleep data, and other fitness metrics — to train its AI and machine learning models, subject to your privacy controls and sharing permissions....

Why it matters: Health data is among the most sensitive personal information and using it for AI training raises significant privacy concerns, particularly regarding what future uses those models may be applied to....

Strava uses your recorded activities to contribute to the publicly accessible Global Heatmap, which shows aggregated movement patterns of all users on a public map....

Why it matters: Even aggregated or de-identified data contributed to the Global Heatmap has previously been shown to reveal sensitive locations such as military bases and private residences, creating real-world safety risks....

Strava requires access to your device's precise GPS location to enable its core features, and collects and stores your location data including real-time location when using features like Beacon....

Why it matters: Precise and persistent GPS data creates a detailed record of your physical movements that could be sensitive from a safety, security, or personal privacy standpoint....

Strava may share your personal information with third-party service providers, corporate affiliates, and law enforcement agencies when required by law or in response to legal process....

Why it matters: Law enforcement disclosure provisions mean your detailed fitness and location data could be accessed by government authorities without your knowledge, particularly relevant given the sensitivity of location and health records....

Strava collects health data such as step count, sleep information, heart rate, HRV, and VO2max from connected devices and apps like Garmin, Peloton, and Apple Health that you link to your account....

Why it matters: Connecting fitness devices and apps to Strava expands the scope of health data Strava holds significantly, and users may not fully appreciate how much sensitive health data flows into Strava from these integrations....

Strava retains your personal information for as long as your account is active and for a period after account deletion, with some data retained longer to comply with legal obligations or resolve disputes....

Why it matters: Data retained after account deletion means your location and health information may persist on Strava's systems even after you believe you have removed your data....

Strava provides privacy controls allowing you to set who can see your activities, adjust map visibility, create privacy zones, and manage what data is shared with other users and third parties....

Why it matters: The existence of granular privacy controls means users have meaningful ability to limit data exposure, but these controls must be actively configured — the defaults may expose more data than users expect....

Strava provides users with rights to access, correct, delete, and export their personal data, with additional rights for EU, UK, and certain US state residents such as the right to object to processing....

Why it matters: These rights are legally enforceable and allow you to obtain a copy of all data Strava holds about you, request corrections, or have your data deleted, giving you meaningful control over your information....

Strava's services are not directed at children under 13, and users between 13 and 17 may have additional privacy protections applied including restricted default visibility settings....

Why it matters: Age-based protections are legally required under COPPA in the US and similar laws globally, but parents should be aware that teen users may still share significant location and health data on the platform....

Strava uses your information to show you relevant advertising and to market its own services to you, including through third-party advertising partners and analytics providers....

Why it matters: Your usage behaviour, location patterns, and profile information may be used to target you with personalised advertising, including through third-party ad networks that may track you across other sites....

If you have a dispute with Wise, you must resolve it through private arbitration rather than going to court. You also cannot join a class action lawsuit against Wise....

Why it matters: This means you give up the right to sue Wise in court or join other customers in a class action, which can be the most effective way to address widespread issues or small-dollar claims....

If Wise makes a mistake that costs you money, the most they are required to pay you back is the total fees you paid to Wise in the previous 12 months....

Why it matters: If a large transfer goes wrong or funds are lost due to Wise's error, your compensation is capped at potentially a very small amount relative to your actual loss....

Wise can suspend or close your account at any time, including immediately in some circumstances, which could temporarily prevent you from accessing your money....

Why it matters: An unexpected account suspension could prevent you from sending or receiving money at a critical time, and you may have limited recourse to challenge the decision quickly....

If Wise faces legal claims or costs because of something you did while using their service, you are responsible for covering those costs....

Why it matters: This means you could be financially responsible for Wise's legal fees and damages if your use of their service — even if unintentionally — causes them to face a claim....

Wise can change the terms of your agreement at any time by giving you notice, and continuing to use the service means you agree to the new terms....

Why it matters: Your rights and obligations as a Wise customer can change without your active consent — just a notification — and using the app after the change counts as acceptance....

You must not use Wise to send money to sanctioned countries, individuals, or for illegal purposes, and Wise is required to monitor and report suspicious activity to authorities....

Why it matters: Violating these rules — even inadvertently — can result in immediate account suspension, frozen funds, and potential legal consequences under US federal law....