Provisions Index

eBay can suspend or permanently close your account at its discretion, including for violations of its policies, with limited notice requirements....

Why it matters: Account suspension can lock you out of your selling history, buyer protections, and any funds held in your account, with limited ability to challenge the decision through the courts given the arbitration clause....

You agree to cover eBay's legal costs and losses if a third party sues eBay because of something you did on the platform....

Why it matters: If your actions on eBay lead to a lawsuit against eBay — for example, selling counterfeit goods — you may be personally responsible for eBay's legal fees and any damages awarded....

eBay charges fees for selling on the platform, and in some cases collects and remits taxes on transactions. Fee structures can be changed by eBay with notice....

Why it matters: Sellers need to understand that eBay's fees can change and that eBay may collect taxes from transaction proceeds, directly affecting how much money sellers actually receive....

eBay can change the terms of this agreement at any time, and your continued use of the platform after changes take effect means you agree to the new terms....

Why it matters: You may find the rules governing your eBay account have changed without you actively agreeing to them — simply continuing to use the platform is treated as acceptance....

Target shares your personal information with advertising partners and third parties in ways that may qualify as a 'sale' or 'sharing' under California law, including for targeted advertising purposes....

Why it matters: This means your data — including browsing behavior and purchase history — may be transferred to companies you have no relationship with for their own advertising use....

Target collects your precise location data through its app and website, which can pinpoint where you are to within a few meters....

Why it matters: Precise geolocation is considered sensitive personal information under several state privacy laws, meaning it carries heightened protections and consumers have stronger rights over its collection and use....

Target collects biometric information from consumers, which may include facial geometry or other physical identifiers used in store security or other applications....

Why it matters: Biometric data is among the most sensitive categories of personal information because it is permanent — you cannot change your fingerprint or face — and its misuse carries serious identity and safety risks....

California residents have specific rights under state law including the right to know what data Target has collected, the right to delete it, the right to correct inaccuracies, and the right to opt out of the sale or sharing of their personal information....

Why it matters: These are legally enforceable rights, not just policy commitments, meaning Target must respond to your requests within specific timeframes and cannot discriminate against you for exercising them....

Target uses your shopping and browsing data to show you personalized ads both on its own platforms and across other websites and apps through advertising partners....

Why it matters: Your online behavior across Target and other sites is being tracked and used to create an advertising profile, which is shared with ad networks that may follow you around the internet....

When you participate in Target Circle, Target collects detailed data about your purchases, preferences, and interactions to personalize offers and build a behavioral profile....

Why it matters: Loyalty program participation dramatically expands the data Target can link to your identity, including every purchase you make in-store and online, which is then used for marketing and can be shared with partners....

Target shares your personal information with third-party companies that help run its business, including analytics providers, payment processors, delivery partners, and advertising networks....

Why it matters: Your data flows to many companies beyond Target, and while service providers are contractually bound by restrictions, advertising and analytics partners may use your data for their own purposes....

Target states that its online services are not directed to children under 13 and that it does not knowingly collect personal information from children under 13 without parental consent....

Why it matters: If a child under 13 uses Target's services, there is limited safeguards infrastructure described in the policy, and parents should be aware that Target's platforms are not designed with child safety protections....

Target retains your personal information for as long as necessary to fulfill the purposes described in the policy, which may include ongoing business, legal, and compliance needs....

Why it matters: Open-ended retention periods mean Target may hold your data indefinitely, which increases the risk of data breach exposure and limits your ability to ensure your information is no longer in use....

Target states that it recognizes the Global Privacy Control browser signal as a valid opt-out request for the sale and sharing of personal information under applicable state laws....

Why it matters: This is a positive consumer protection — if you enable GPC in your browser, Target is obligated under California law to automatically honor your opt-out preference without requiring you to fill out a separate form....

The page discloses Disney+ Thailand subscription prices: Standard plan at THB 199/month or THB 1,590/year, and Premium plan at THB 289/month or THB 2,290/year....

Why it matters: Consumers should be aware of the pricing tiers before subscribing, as annual plans represent a significant upfront commitment....

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

Why it matters: This provision removes your right to sue Figma in court and prevents you from joining with other users in a class action, which is often the only practical way to pursue small-value claims....

When you upload or create content on Figma, you give Figma a broad, worldwide license to use, host, reproduce, and display that content to provide and improve their services....

Why it matters: While you retain ownership of your designs, Figma can use your content in ways beyond just storing it — including to develop and improve their products....

Figma can suspend or terminate your account at any time, with or without notice, if they believe you have violated their terms or for other reasons at their discretion....

Why it matters: Your access to your designs and projects could be cut off without warning, potentially disrupting your work or causing loss of access to important files....

Figma's financial liability to you is capped — typically at the amount you paid them in the past 12 months — and they are not responsible for indirect losses like lost profits or data loss....

Why it matters: If Figma makes a serious error that causes you significant financial harm, you may only be able to recover a limited amount, regardless of actual damages suffered....

You agree to defend and pay Figma's legal costs if a third party sues them because of something you did or content you uploaded on their platform....

Why it matters: If your use of Figma causes legal problems for them — for example, due to infringing content — you could be responsible for paying their legal fees and any resulting damages....

Figma can change these Terms of Service at any time and your continued use of the platform after changes are posted means you accept the new terms....

Why it matters: Your rights and obligations can change without requiring your explicit consent, meaning important protections could be reduced without you actively agreeing to the change....

Paid Figma subscriptions automatically renew at the end of each billing period and you will be charged unless you cancel before the renewal date....

Why it matters: If you forget to cancel your subscription before the renewal date, you will be charged for another billing period and may not receive a refund....

If you provide Figma with feedback, suggestions, or ideas about their products, Figma can use those ideas freely without paying you or giving you credit....

Why it matters: Any product suggestions or feedback you share with Figma becomes their property to use as they wish, with no obligation to compensate you even if your idea is implemented....

Figma prohibits using their platform for illegal activities, harassment, distributing malware, scraping their services, or any activity that violates their policies....

Why it matters: Violating these restrictions can result in immediate account suspension or termination, so users should be familiar with what activities are prohibited....

Disputes with Figma are governed by the laws of the State of California, and any litigation (if arbitration does not apply) must take place in California courts....

Why it matters: If you ever need to take legal action against Figma outside of arbitration, you would need to do so under California law and potentially travel to California to participate in proceedings....

If you are a US user and have a dispute with WhatsApp, you must resolve it through binding individual arbitration rather than going to court, unless you opt out within 30 days....

Why it matters: Arbitration removes your right to sue WhatsApp in court or join a class action lawsuit, which significantly limits your legal options if WhatsApp harms you....

By using WhatsApp, you agree to waive your right to participate in any class action lawsuit or class-wide arbitration against WhatsApp....

Why it matters: Class actions are often the only practical way consumers can hold large companies accountable for widespread harms. Waiving this right leaves individual users with limited leverage....

When you send messages, photos, videos, or other content through WhatsApp, you grant WhatsApp a license to use, reproduce, and distribute that content to operate and improve the service....

Why it matters: This license means WhatsApp has broad rights over the content you share, which could include using it for service improvement, security purposes, or compliance with legal obligations....

WhatsApp shares your information with other Meta Companies (including Facebook and Instagram) as described in their Privacy Policy, which may include account information and usage data....

Why it matters: Your WhatsApp data may be used across Meta's family of apps, potentially affecting the ads you see and how your personal profile is built across platforms....

WhatsApp can suspend or terminate your account at any time if they believe you have violated their Terms of Service or for any other reason they deem appropriate....

Why it matters: WhatsApp retains broad unilateral authority to disable your account, which could result in permanent loss of your message history, contacts, and access to the service without meaningful recourse....

WhatsApp limits its financial liability to you to the maximum extent permitted by law, meaning the company is not responsible for most losses, damages, or harms you experience while using the service....

Why it matters: If WhatsApp's service fails, is breached, or causes you harm, you may have little to no legal recourse for financial compensation under this clause....

WhatsApp can change these Terms of Service at any time, and your continued use of the service after changes are posted constitutes your agreement to the new terms....

Why it matters: You may be bound by new terms you haven't explicitly reviewed or consented to, simply by continuing to use WhatsApp after a change is made....

WhatsApp requires users to be at least 13 years old (16 in some regions) to use the service, and parents are responsible for ensuring their children comply with this requirement....

Why it matters: If a child under the minimum age uses WhatsApp, their account may be terminated and their data deleted, but WhatsApp's enforcement mechanisms are limited....

For US users, disputes are governed by California law. For EEA and UK users, WhatsApp Ireland Limited or WhatsApp UK Limited is the responsible entity, subject to local laws....

Why it matters: The governing law determines what legal protections apply to you — US users get California law, while EEA/UK users benefit from stronger EU and UK consumer protection frameworks....

You must not use WhatsApp to send spam, illegal content, harmful content, or anything that violates their policies. WhatsApp can remove content and suspend accounts that violate these rules....

Why it matters: WhatsApp has broad discretion to determine what constitutes a violation and to act against accounts, which could affect legitimate users if moderation decisions are incorrect....

Betterment may share your personal and financial information with financial company partners for joint marketing purposes, which means these partners can use your data to market their own products to you....

Why it matters: Your sensitive financial information could be shared with other companies for advertising purposes without you necessarily being aware, impacting your privacy....

Betterment uses your browsing and behavioral data to serve targeted advertisements across different websites and platforms, but you can opt out of this practice....

Why it matters: Your online behavior while using Betterment may be tracked and shared with advertisers, which is a significant data privacy consideration for many consumers....

If you live in California, you have specific rights under state law to access, delete, correct, or limit the use of your personal information that Betterment holds....

Why it matters: California residents have stronger legal protections over their data than users in most other states, including the right to know exactly what Betterment collects and to have it deleted....

Betterment collects sensitive categories of personal information, which may include Social Security numbers, financial account details, and other identifiers required for financial services....

Why it matters: The collection of sensitive personal information such as government IDs and financial account numbers carries elevated risk if data is breached or misused....

Betterment uses cookies, pixels, and similar tracking technologies on its website and app to monitor your behavior, personalize your experience, and support advertising....

Why it matters: Tracking technologies collect data about your browsing habits, which can be used to profile you and shared with advertising partners, affecting your privacy beyond just the Betterment platform....

Betterment retains your personal information for as long as your account is active or as needed to comply with legal obligations, even after you close your account....

Why it matters: Your personal and financial data may be kept by Betterment for extended periods after you stop using the service, limiting your ability to fully remove your information....

Betterment shares your personal information with third-party service providers that help operate the platform, such as technology vendors, customer support services, and analytics providers....

Why it matters: Your data is shared with multiple external vendors, each of which becomes a potential point of risk for data breaches or misuse....

Betterment uses your financial information, including investment account details and transaction history, to provide and improve its investment and savings services....

Why it matters: Understanding how your financial data is used within the platform helps you assess whether you are comfortable with Betterment's data practices as your financial services provider....

Riot's Vanguard anti-cheat software runs at the kernel level of your operating system, giving it deep access to your device hardware and software to detect cheating. This means Riot can collect detailed system information beyond what typical apps access....

Why it matters: Kernel-level access represents a significant security and privacy risk — if the software is compromised or misused, it could expose sensitive system data or create vulnerabilities on your device....

Riot shares your personal data — including gameplay behavior, device identifiers, and usage patterns — with third-party advertising and analytics companies to serve targeted ads and measure campaign performance....

Why it matters: Your gaming activity and personal information may be used to build an advertising profile and shared with companies you have no direct relationship with, limiting your control over your own data....

Riot may transfer your personal data to countries outside your home region, including the United States, which may have different or weaker privacy protections than your home country....

Why it matters: If you are in the EU or UK, your data may be transferred to the US or other countries under mechanisms like Standard Contractual Clauses, but these transfers carry inherent legal uncertainty following cases like Schrems II....

If you live in the EU, UK, or California, you have the right to access, correct, delete, or export your personal data, and in some cases to object to or restrict how it is processed....

Why it matters: These rights give you meaningful control over your personal information and allow you to hold Riot accountable for how your data is used....

Riot states it does not knowingly collect personal data from children below the age of digital consent in their country, and takes steps to restrict account creation and data collection for minors....

Why it matters: Children are a protected class under COPPA (US), GDPR Article 8, and similar laws — if Riot inadvertently collects a child's data without verifiable parental consent, this creates legal exposure and real harm to the child....

Riot collects detailed data about how you play their games, including your in-game actions, match history, communication logs, and interaction patterns, to improve services and for other business purposes....

Why it matters: Comprehensive behavioral profiling can be used for purposes beyond game improvement, including targeted advertising, and creates a detailed picture of your habits and preferences over time....

Riot retains your personal data for as long as your account is active or as needed to provide services, and may keep certain data for longer periods for legal, business, or security reasons....

Why it matters: Open-ended data retention means your personal information could be held indefinitely without clear limits, increasing the risk of exposure in a data breach or misuse over time....