Provisions Index

This agreement is governed by the laws of a specific US state, and any disputes that do go to court must be handled in that jurisdiction....

Why it matters: If you live in a different state, you may have fewer legal protections than your home state would provide, and pursuing a legal claim could require engaging with courts in another jurisdiction....

Wise is not responsible for indirect losses such as lost business profits, even if they caused the problem that led to those losses....

Why it matters: If a failed Wise transfer causes you to miss a business opportunity or incur secondary costs, Wise has no obligation to compensate you for those downstream losses....

By using Wise, you consent to Wise collecting and using your personal and financial information to provide services, comply with regulations, and for other stated purposes....

Why it matters: Wise collects significant financial and identity data about you as required by financial regulation, and your consent to this data use is a condition of using the service....

Wise charges fees for its services and uses its own exchange rates for currency conversion, which are disclosed before you confirm a transaction but may change....

Why it matters: The actual cost of your transfer depends on both the stated fee and the exchange rate applied, and understanding both is essential to knowing the true cost of using Wise....

If you have a dispute with Skillshare, you must resolve it through private arbitration — not in a court of law. This applies to all disputes, including those that arose before you agreed to these Terms....

Why it matters: Arbitration removes your ability to have a judge or jury hear your case and limits your ability to appeal decisions, generally favoring the larger party in disputes....

You agree to give up your right to join or lead a class action lawsuit or class-wide arbitration against Skillshare. All disputes must be handled individually....

Why it matters: Class actions allow many consumers with small individual claims to pool resources and hold companies accountable; waiving this right makes it economically impractical for most individuals to pursue small-value claims....

Your Skillshare subscription automatically renews every month or year and your payment method is charged automatically unless you cancel before the renewal date....

Why it matters: Many consumers are surprised by automatic charges, especially after promotional or discounted periods end and the full price is charged without a separate warning....

When you upload content to Skillshare, you give Skillshare a broad, royalty-free license to use, reproduce, modify, and distribute that content across their platforms....

Why it matters: Teachers and Students who create or upload original content should understand that Skillshare can use their work without paying them additional compensation beyond what the platform already provides....

Skillshare can change these Terms or your subscription price at any time, and your continued use of the service means you agree to those changes....

Why it matters: You may not be actively notified of every change, and simply continuing to use Skillshare constitutes acceptance of new terms — including higher prices — that may not be in your interest....

When you enroll in a class or attend an Event, Skillshare shares your personal data — including your name and other account information — with the Teacher running that class or event....

Why it matters: Your personal information is passed to third-party Teachers who are individual creators, not just to Skillshare itself, expanding who has access to your data without a separate opt-in....

Skillshare is not required to give you a refund, and you can only receive one refund ever. If you cancel mid-subscription, you do not get a pro-rated refund for unused time....

Why it matters: Consumers who cancel after being charged have very limited ability to recover funds, and there is no pro-rated refund for the remainder of a billing period....

Skillshare can delete your account and all its content if you haven't logged in or made a payment in over 12 months, though they will try to warn you by email first....

Why it matters: Users who pause their use of the platform could lose access to all enrolled classes, uploaded content, and account history without realizing it if they miss the warning email....

Skillshare provides the service 'as is' with no guarantees, and caps the amount you can recover from them for any damages to the amount you paid in the last 12 months....

Why it matters: If Skillshare's service fails, loses your data, or causes you harm, your ability to recover compensation is severely restricted regardless of the severity of the issue....

You agree to pay Skillshare's legal costs and damages if your use of the platform causes Skillshare to be sued or face other legal claims....

Why it matters: This provision means ordinary users could face significant financial liability to Skillshare if content they upload or actions they take on the platform result in third-party claims against Skillshare....

Unless you live in the EU or opt out within 30 days, you must resolve all disputes with Strava through individual binding arbitration—not in court—and you cannot join a class action lawsuit against Strava....

Why it matters: This clause strips you of your right to sue Strava in court and to participate in class action lawsuits, which are often the only practical way consumers can hold large companies accountable for widespread harms....

When you upload or post content to Strava—including workout data, photos, routes, and segments—you grant Strava a worldwide, royalty-free license to use, copy, modify, distribute, and display that content for any purpose related to their services....

Why it matters: This means Strava can use your personal fitness data and content commercially, including to train algorithms, create aggregated datasets, or share with third parties, without paying you or seeking additional consent....

Your Strava subscription automatically renews at the start of every billing period and will keep renewing and charging you until you cancel at least 24 hours before the renewal date....

Why it matters: If you forget to cancel before the 24-hour cutoff, you will be charged for another full billing period, and Strava's no-refund policy means you generally cannot get that money back....

Strava will not provide refunds or credits for subscription fees, except in limited circumstances set out in the Terms, such as the 14-day cooling-off period available to users outside the United States....

Why it matters: If you are a US-based subscriber, you generally cannot get a refund for any portion of a subscription period, even if you cancel immediately after being charged or if service quality is poor....

Strava can increase subscription prices or change which features are free or paid at any time, with only 'reasonable notice' before the change takes effect on your next billing date....

Why it matters: Strava can raise your subscription price or move features behind a paywall without your explicit consent, and continued use of the service after notice constitutes your acceptance of the new terms....

Strava can suspend or permanently terminate your account at any time if you violate the Terms, or simply at Strava's own discretion, without necessarily giving you a reason....

Why it matters: You could lose access to all your workout history, routes, data, and paid subscription features if Strava decides to close your account, with limited recourse or appeal rights....

Strava's financial liability to you is capped—generally limited to the amount you paid in subscription fees in the 12 months before your claim—and Strava is not responsible for indirect, incidental, or consequential damages....

Why it matters: Even if Strava's platform causes you significant harm—such as a data breach, service failure, or loss of important personal data—your ability to recover meaningful compensation is severely restricted....

You agree to defend and compensate Strava for any legal costs or damages arising from your use of the Services, your content, or your violation of these Terms or any third-party rights....

Why it matters: If someone sues Strava because of something you posted or did on the platform, you may be legally required to pay Strava's legal defense costs and any resulting damages—even for unintentional violations....

Strava requires users to be at least 13 years old (or older depending on your country), and parents or guardians of underage users are fully legally responsible for those users' actions on the platform....

Why it matters: Children under 13 (or the applicable age in your country) should not be using Strava, and parents who allow underage children to use the platform take on full legal responsibility for any Terms violations....

When you connect Strava to third-party apps like Apple Health or Garmin Connect, the data you share with those apps is governed by those third parties' own terms and policies—Strava takes no responsibility for what those third parties do with your data....

Why it matters: Connecting Strava to other apps can expose your detailed fitness, health, and location data to third parties over whom Strava has no control and for whom Strava accepts no liability....

Adobe can collect biometric data such as faceprints and voiceprints when you use certain photo organisation or voice features, and may also collect facial images and voice recordings if you visit an Adobe office....

Why it matters: Biometric data is among the most sensitive personal information — it is unique to you and cannot be changed if compromised. Several US states (Illinois, Texas, Washington) have strict laws governing its collection....

Adobe automatically scans files and content you store in its cloud services for illegal material, abuse, intellectual property issues, and safety concerns, and human reviewers may also review flagged content....

Why it matters: Content you consider private — documents, photos, creative work — stored on Adobe's servers is subject to automated and human review, which may raise confidentiality concerns for professional or sensitive materials....

Adobe may analyse the content you create or store using automated machine learning techniques to improve its products and services, though you can opt out of this....

Why it matters: Your creative work, documents, and other content may be used to train or improve Adobe's AI and machine learning systems unless you actively opt out....

Adobe shares your personal information with advertisers, advertising networks, social media platforms, data brokers, and other third-party partners, in some cases to show you targeted ads based on your behaviour on Adobe's websites and apps....

Why it matters: Your browsing behaviour, app usage, and profile information may be shared with a wide range of advertising companies and data brokers, contributing to detailed advertising profiles about you across the internet....

Adobe transfers your personal information across international borders, including to the United States, and uses mechanisms like Standard Contractual Clauses to make these transfers legally permissible....

Why it matters: If you are outside the US, your personal data may be sent to countries with different and potentially lower privacy protections, which may affect your rights and how your data is protected....

Adobe uses 'legitimate interests' as its legal justification for a wide range of data processing activities including marketing analytics, content analysis, fraud detection, and sharing data with third parties....

Why it matters: When Adobe relies on legitimate interests rather than your consent, it can process your data without asking you first, though you have the right to object to this processing in certain circumstances....

Adobe restricts use of its services by children and has specific provisions for educational institutions using Adobe products with students, including separate privacy notices for K-12 use....

Why it matters: If a child uses Adobe products — particularly through a school — different privacy rules apply, but parents should be aware that standard Adobe services may not be designed for minors....

Adobe retains your personal information for as long as your account is active or as needed to provide services, comply with legal obligations, resolve disputes, and enforce agreements....

Why it matters: Adobe may hold your personal data indefinitely while your account remains active and for substantial periods after account closure, which affects how long your information remains accessible to Adobe and its partners....

Adobe allows you to sign in using social media accounts like Facebook, and shares information about your behaviour on Adobe sites with social media platforms for advertising purposes....

Why it matters: When you connect your social account or interact with Adobe's social media pages, your data flows between Adobe and social platforms, which may be used to build detailed advertising profiles about you....

If Adobe is acquired, merges with another company, or sells a business unit, your personal information may be transferred to the new owner as part of that transaction....

Why it matters: In the event of a corporate transaction, your personal data could be passed to a new company with potentially different privacy practices, with limited ability for you to prevent this transfer....

Salesforce's privacy policy does not apply when Salesforce is processing your data on behalf of one of its business customers — in that case, the business customer's privacy policy governs, not Salesforce's....

Why it matters: If you interact with a company that uses Salesforce's software, Salesforce's own privacy protections and your rights under this statement may not apply to that data — leaving a potential gap in your privacy coverage....

Your personal data may be transferred to and stored in the United States or other countries that may have different (potentially weaker) privacy laws than your home country....

Why it matters: International transfers mean your personal data may be subject to different legal protections depending on where it ends up, which is particularly significant for EU and UK residents with stronger home-country rights....

Salesforce shares your personal data with a broad range of third parties including service providers, affiliated companies, event sponsors, advertising partners, and others....

Why it matters: The wide scope of data sharing — including with event sponsors, advertising networks, and App Exchange partners — means your data may reach many organizations beyond Salesforce itself....

You have the right to access, correct, delete, restrict, or port your personal data, and to object to or opt out of certain processing activities including automated decision-making and advertising data sharing....

Why it matters: Salesforce provides a comprehensive set of privacy rights that give you meaningful control over your personal data, including the ability to delete your data or opt out of having it shared for advertising....

You have the right not to be subject to decisions made solely by automated processes — including profiling — that have legal or similarly significant effects on you....

Why it matters: Automated profiling can affect how you are treated commercially or in employment contexts; having the right to opt out or demand human review is an important consumer protection....

Salesforce shares your personal data with advertising networks to show you ads on non-Salesforce websites and apps, but you can opt out of this sharing....

Why it matters: Cross-context behavioral advertising using your data can result in pervasive tracking across the internet; the opt-out right gives you control over this specific use....

Salesforce has certified compliance with the EU-U.S., Swiss-U.S., and UK Extension to the EU-U.S. Data Privacy Frameworks, committing to specific data protection standards for data transferred from those regions to the US....

Why it matters: This certification provides EU, Swiss, and UK users with a recognized legal mechanism for their data transfers to the US, and gives them access to binding arbitration and US FTC enforcement if Salesforce violates its commitments....

Salesforce collects and uses your personal data to send you marketing communications, including emails and other outreach about its products and events....

Why it matters: You may receive marketing from Salesforce based on data collected during website visits, event registrations, or other interactions, and should be aware of how to unsubscribe....

If you are under 16 years old (or the applicable age of consent in your jurisdiction), Salesforce requires you to opt in — rather than opt out — before certain disclosures of your personal data to third parties....

Why it matters: This opt-in requirement for minors provides stronger protection for young users' data, ensuring their information is not shared without affirmative consent....

If Salesforce cannot resolve your privacy complaint to your satisfaction, you can contact their U.S.-based third-party dispute resolution provider (TRUSTe/TrustArc) for free....

Why it matters: This provides an independent, cost-free escalation path for privacy complaints that Salesforce has not adequately addressed, before resorting to regulatory bodies....

If you have a dispute with eBay, you must resolve it through private arbitration rather than going to court, unless you opt out within 30 days of accepting the agreement....

Why it matters: This provision removes your right to sue eBay in court and prevents you from joining other consumers in a class action lawsuit, limiting your legal options significantly....

You agree not to participate in any class action or group lawsuit against eBay — all claims must be brought individually....

Why it matters: Class actions allow many consumers to band together against a company; waiving this right means each person must fight eBay alone, which is often impractical for small-value claims....

eBay can hold or restrict access to your funds at its discretion based on account activity, disputes, or risk assessments....

Why it matters: Sellers may find their earnings frozen for extended periods, which can cause serious cash flow problems for individuals and small businesses relying on eBay income....

By agreeing to eBay's terms, you consent to eBay contacting you via automated calls and texts, recording those calls, and analyzing the content of messages sent through eBay's platform....

Why it matters: This is a broad consent to surveillance of your communications and automated contact, with significant privacy implications that many users may not fully realize they are agreeing to....

When you post content on eBay (photos, descriptions, etc.), you grant eBay a royalty-free, worldwide license to use, copy, modify, and distribute that content....

Why it matters: eBay can use any content you post — including photos and product descriptions — for its own purposes, including advertising and AI training, without paying you or asking again....

eBay limits its financial responsibility to you to the amount of fees you paid to eBay in the 12 months before the problem arose, and disclaims liability for many types of damages entirely....

Why it matters: Even if eBay's actions cause you significant financial harm, you may only recover a small amount equivalent to the fees you paid — potentially far less than your actual losses....