Provisions Index

You agree to give up your right to participate in any class action lawsuit against Cash App. All claims must be brought individually....

Why it matters: Class actions allow many consumers harmed by the same practice to pool resources and sue together; waiving this right means you must individually pursue small claims that may not be worth the cost to litigate alone....

Cash App's legal liability to you for losses is capped — even if their mistake causes you significant financial harm, they limit what you can recover from them....

Why it matters: If Cash App makes an error that causes you to lose money, their liability cap may prevent you from being fully compensated, leaving you to absorb losses beyond that cap....

Cash App can suspend or close your account at any time, including freezing access to your funds, if they suspect policy violations or for other reasons at their discretion....

Why it matters: Account suspension can leave you temporarily or permanently unable to access money stored in your Cash App balance, which is particularly serious if it is your primary payment method....

Cash App allows you to buy, sell, and transfer Bitcoin, but these services come with specific risks, fees, and limitations including price volatility and potential transaction irreversibility....

Why it matters: Bitcoin transactions on Cash App may be irreversible and subject to significant price swings; users can lose money rapidly and may have limited recourse for errors....

Microsoft commits to making AI systems that do not discriminate against people based on characteristics like race, gender, or age....

Why it matters: Algorithmic discrimination is a growing enforcement priority for regulators; if Microsoft AI systems produce discriminatory outcomes in employment, credit, housing, or healthcare contexts, affected users may have legal claims that this commitment helps document....

Shopify uses your personal information — including contact details and purchase history from the Shop App — to deliver targeted advertisements and may share your data with ad partners like Google and Meta to do so....

Why it matters: The Shop App aggregates your purchase history across multiple independent merchants, creating a behavioral profile used for targeted advertising — a data use that goes well beyond what most consumers expect from a checkout platform....

When you shop at a Shopify-powered store, the merchant — not Shopify — is responsible for your data under privacy law, meaning each merchant must independently comply with GDPR, CCPA, and other regulations....

Why it matters: This provision allocates primary data controller responsibility to individual merchants, which means the compliance quality of your data protection varies significantly depending on the merchant you buy from, and Shopify's protections may not fully extend to your data in a merchant-specific context....

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

Why it matters: This provision removes your ability to sue Snapchat in a public court, which can make it harder and more expensive to get relief for smaller grievances....

By agreeing to Snapchat's terms, US users give up their right to participate in any class action lawsuit against Snap, meaning disputes must be handled individually....

Why it matters: Class actions allow many consumers to pool their claims against large companies; waiving this right means you must pursue any claim alone, which is often impractical for small individual harms....

When you post photos, videos, or other content on Snapchat, you grant Snap a worldwide, royalty-free license to use, copy, modify, distribute, and create derivative works from that content....

Why it matters: Snap can use your content for its own purposes, including in advertising or to improve its AI systems, without paying you or asking for additional permission....

Snap can change, suspend, or shut down its services — or terminate your account — at any time, with or without notice and for any reason....

Why it matters: You could lose access to your account, messages, memories, and connections at any time without warning, and Snap has no obligation to preserve your data after termination....

You agree to defend and pay Snap's legal costs if any third party makes a claim against Snap because of your use of the service or your content....

Why it matters: If someone sues Snapchat over something you posted or did on the platform, you could be personally responsible for Snap's legal fees and any damages....

Snap's liability to you is capped at the greater of $100 or the amount you paid Snap in the past 12 months, regardless of how significant the harm to you may be....

Why it matters: Even if Snapchat's actions cause you serious harm — such as a data breach exposing your personal information — you cannot recover more than $100 from Snap in most circumstances....

If you have a dispute with Character.AI, you must resolve it through private arbitration rather than taking them to court, and you cannot join a class action lawsuit with other users....

Why it matters: This prevents you from joining group lawsuits and means your dispute will be heard by a private arbitrator rather than a judge or jury, which can limit your practical ability to seek redress....

Anything you post, submit, or generate on Character.AI — including your conversations — can be used by the company forever, in any way, including for commercial purposes, without paying you....

Why it matters: This means Character.AI can use your chats, characters, and created content to train AI models, promote the service, or commercialize them in other ways, and you cannot revoke this permission later....

If Character.AI causes you harm, the most money you can recover from them is $100 or what you paid them — whichever is greater....

Why it matters: This provision severely limits what you can recover even if the company is at fault, potentially leaving you without meaningful compensation for serious harms....

You agree to pay Character.AI's legal costs and any damages if your use of the service leads to any kind of claim or lawsuit against the company....

Why it matters: This is an unusually broad indemnification clause — you could be held responsible for legal fees and losses arising from your interactions with the AI, even if the outcome was partly caused by the service itself....

Children under 13 (or under 16 in the EEA/UK) are not allowed to use Character.AI, and accounts will be terminated if users are found to be underage....

Why it matters: The platform hosts AI characters that can engage in a wide range of conversations, and access by minors raises significant safety concerns that the Terms attempt to address through age gating....

Character.AI uses your personal data — including your chat messages and interactions — to train and improve its artificial intelligence and machine learning models....

Why it matters: Your private conversations with AI characters can become part of the training data that shapes the AI system itself, with limited ability to prevent this after the fact....

If you create an AI character that other users interact with and make it public, Character.AI may keep that character active on the platform even after you delete your account and personal data....

Why it matters: Deleting your account does not guarantee removal of content you created if it has been made available to other users — your character's characteristics and any personal information embedded in it may persist indefinitely....

If you use voice features on Character.AI, the platform records and stores your voice data....

Why it matters: Voice recordings are sensitive biometric-adjacent data and may be retained and used for AI training or other purposes, with limited user control once submitted....

Character.AI shares your personal information with advertising and analytics companies to deliver targeted ads and track ad performance across the internet....

Why it matters: Your browsing behavior, demographics, and usage patterns on Character.AI may be shared with third-party ad networks, enabling profiling across multiple websites and platforms....

Character.AI prohibits use of its services by anyone under 13, or under 16 for users in the EEA or UK, and states the platform is not designed for minors....

Why it matters: Despite age restrictions, Character.AI is a widely used AI chat platform — parents should be aware of these limitations and the potential exposure of minors to AI-generated content and data collection....

Character.AI acknowledges that users may submit sensitive personal information — such as details about race, religion, or sexual orientation — through chat, and advises users not to share such information....

Why it matters: Despite the advisory not to share sensitive information, the platform collects and processes whatever users submit in chat, including highly sensitive disclosures made during AI conversations....

Microsoft commits that humans — not AI alone — should be responsible for consequential decisions made using its AI systems....

Why it matters: This commitment is directly relevant to consumers subject to AI-driven decisions in high-stakes contexts like employment screening, credit, healthcare, or law enforcement, where automated decisions without human review can cause serious harm....

Microsoft commits to detecting and fixing AI bias so that its systems do not discriminate against people based on personal characteristics like race, gender, or age....

Why it matters: AI bias in Microsoft products used for hiring, lending, healthcare, or law enforcement can cause material harm to protected groups, and this commitment signals Microsoft's recognition of that risk — though it does not provide consumers with a direct remedy....

When you post anything on LinkedIn — photos, articles, comments, or videos — you give LinkedIn permission to use, copy, and share that content, including for AI purposes, without paying you or asking again....

Why it matters: This license is broad enough to cover AI training and machine learning, meaning LinkedIn can use your professional content to develop AI products, and you cannot withdraw consent retroactively for content already processed....

LinkedIn can change its rules at any time, and in some cases doesn't have to warn you in advance — for example, when launching a new feature....

Why it matters: This clause means LinkedIn can materially alter the terms governing your data and content without prior notice in enumerated circumstances, which limits your ability to opt out before new terms take effect....

If LinkedIn causes you harm, the most you can typically recover from them is either what you paid LinkedIn in fees or $1,000 — whichever is higher....

Why it matters: For free-tier users who have paid LinkedIn nothing, this cap means your maximum recovery for any harm caused by LinkedIn — including data breaches or wrongful account termination — could be as low as $1,000....

LinkedIn can suspend or close your account if it believes you've broken its rules, and in many circumstances does not have to warn you before doing so....

Why it matters: Your LinkedIn account may contain years of professional connections and content — losing access without warning or meaningful appeal could have significant professional consequences....

Robinhood operates multiple separate legal entities — including a broker-dealer, a crypto platform, and a cash management service — each subject to different regulations and terms....

Why it matters: The rules and protections that apply to your account depend on which Robinhood service you use; brokerage accounts have SIPC protection while crypto holdings do not....

Robinhood's actual arbitration and dispute resolution terms are contained in linked documents, meaning by using the platform you may be agreeing to resolve all disputes through arbitration rather than in court....

Why it matters: Mandatory arbitration clauses prevent you from suing Robinhood in court or joining a class action lawsuit, significantly limiting your legal options if something goes wrong with your account....

As a registered broker-dealer, Robinhood is required by the SEC to provide a Form CRS (Customer Relationship Summary) that explains the services it offers, fees, conflicts of interest, and your rights as a customer....

Why it matters: Form CRS is a federally mandated one- to two-page summary that Robinhood must give you before you open an account — it is one of the most important documents for understanding what Robinhood does and does not do for you....

Uber continuously tracks your precise GPS location during trips and for a period before and after trips when the app is in use, and shares this location data with riders, restaurant partners, and third parties....

Why it matters: Persistent location tracking creates a detailed record of your movements and can be shared broadly, raising significant privacy concerns for workers....

Uber collects biometric data including facial recognition images to verify driver identity, which may be processed by third-party providers....

Why it matters: Biometric data is uniquely sensitive and permanent — unlike a password, you cannot change your face, making any misuse or breach particularly serious....

Uber uses automated systems to make decisions about driver accounts, including deactivation, based on performance data, ratings, and other algorithmic assessments....

Why it matters: Automated decisions can affect your ability to earn income without meaningful human review, and you may have limited ability to contest those decisions....

Uber may share your personal data with law enforcement, government agencies, or regulatory bodies in response to legal requests or to comply with applicable law....

Why it matters: Your personal data including location history and trip records can be disclosed to authorities without your knowledge or consent in certain circumstances....

Stash collects highly sensitive information including your Social Security number, bank account numbers, bank login credentials, passport number, employment details, and whether you are a politically exposed person or FINRA control person....

Why it matters: This level of financial data collection — especially bank login credentials — represents significant privacy and security risk if that data is ever compromised or misused....

Stash shares your personal information with marketing and advertising partners, including for targeted advertising campaigns, and uses tracking technologies such as pixels, cookies, and analytics tools from Facebook, Google, and others....

Why it matters: Your financial behavior and personal data may be used to target you with ads and shared with companies like Google and Facebook, which many consumers would not expect from a financial services provider....

Stash shares your personal information with service providers, financial partners, credit bureaus, payment processors, and other non-affiliated third parties to facilitate its services and for its own business purposes....

Why it matters: Your sensitive financial and personal data is disclosed to a range of third parties beyond Stash itself, and you have limited ability to control this sharing once you accept the policy....

If you have a dispute with Stash, you must resolve it through private arbitration administered by JAMS or AAA rather than through a court of law. You cannot bring your claim as part of a class action lawsuit....

Why it matters: Arbitration removes your ability to have a judge or jury decide your case, typically favors companies over consumers, and limits your ability to appeal outcomes....

You agree to give up your right to participate in any class action lawsuit or class-wide arbitration against Stash. Any claims must be brought individually....

Why it matters: Class actions allow many consumers with small individual harms to collectively pursue a company; waiving this right means each consumer must pursue claims alone, which is often economically impractical for small losses....

Stash can change, restrict, or shut down any part of its platform or services at any time without telling you in advance. Your only option if you disagree is to cancel your account....

Why it matters: For a financial services platform holding your investments and banking funds, the ability to change services — including fee structures — without prior notice creates meaningful financial and operational risk for users....

Stash's financial responsibility to you for any harm caused by its platform or services is capped at the fees you paid to Stash in the 12 months before the problem occurred....

Why it matters: If you suffer significant investment losses or financial harm due to a platform error or failure, Stash's maximum legal liability is limited to your subscription fees — not your actual financial losses....

Stash can cancel or deactivate your account, delete your account information, and block your access to the platform at any time without giving you advance notice if you violate the Terms....

Why it matters: For a financial services account holding investments and banking funds, sudden termination without notice could disrupt access to your money and require urgent steps to recover your assets....

YouTube Kids collects information about every video your child watches, every search term they enter, and their interactions with content and ads, and uses this to recommend personalized content....

Why it matters: Even without a name or address, building a behavioral profile of a child's viewing and search habits raises privacy concerns and is subject to COPPA requirements....

If a parent signs in with their Google Account, the app collects the child's name, nickname, age, and birth month, and links their watch and search history to that profile across all devices....

Why it matters: This significantly expands the scope of data collection from anonymous identifiers to identifiable child profiles, and the data persists across devices and after sign-out unless actively deleted....

In some countries, children under 13 can sign into YouTube Kids with their own Google Account created via Family Link, and in that case the child's search history, watch history, and voice recordings may be stored with their Google Account and used to improve their broader Google experience....

Why it matters: This significantly expands data use beyond the YouTube Kids app into the broader Google ecosystem, potentially including Google Search, Google Assistant, and other Google products....

OpenAI evaluated GPT-4o's ability to help someone create chemical, biological, radiological, or nuclear weapons and rated this risk as 'medium' — meaning real but mitigated — before releasing the model to the public....

Why it matters: This means OpenAI launched a publicly accessible AI model that its own safety team assessed as providing meaningful, if limited, assistance toward weapons of mass destruction, relying on classifiers and refusals as the primary safeguard....

OpenAI acknowledges that GPT-4o's voice mode can generate emotionally expressive, human-like audio that may foster unhealthy emotional dependency, sycophantic behavior, or manipulative interactions with users....

Why it matters: Unlike previous text-based AI, GPT-4o's voice outputs are designed to sound emotionally resonant, which OpenAI's own safety team identified as a vector for user manipulation and over-reliance that was not fully resolved before launch....