Provisions Index

Hinge has a separate Consumer Health Data Privacy Policy for users in Washington and Nevada, reflecting those states' specific laws about how health-related personal data collected by consumer apps must be handled....

Why it matters: Washington's My Health MY Data Act and Nevada's consumer health privacy law provide residents with strong rights over health data collected by non-healthcare apps like dating platforms, including data about sexual health, reproductive health, and mental wellbeing inferred from app use....

When you post photos or videos on BeReal, you give BeReal a broad, royalty-free license to use, reproduce, modify, and distribute that content across their services....

Why it matters: Your photos and videos are not just yours once posted — BeReal has the right to use them for platform purposes, and this license persists as long as your content remains on the platform....

BeReal reserves the right to suspend or permanently delete your account and content at any time if they believe you have violated their Terms, sometimes without prior notice....

Why it matters: You could lose access to your account, your posts, and your friend connections without advance warning, and BeReal has broad discretion to make this decision....

BeReal disclaims most warranties about the reliability or quality of its service and caps the amount of money you can recover from them in a legal dispute, often to the amount you paid (which for a free app is zero)....

Why it matters: If BeReal's platform causes you harm — such as a data breach or wrongful account deletion — your ability to seek compensation is severely limited by these disclaimers....

BeReal specifies which country's laws govern disputes and how disagreements between you and BeReal will be resolved — with different rules for EU users versus users in other countries....

Why it matters: Depending on where you live, you may be required to resolve disputes in a particular jurisdiction or through a specific process, which could make it harder to seek legal remedies locally....

BeReal can update these Terms at any time and will notify you of changes — but continued use of the app after changes are posted means you accept the new terms....

Why it matters: If you keep using BeReal after they change their terms, you are legally considered to have agreed to those changes even if you did not actively read or consent to them....

Stability AI collects a wide range of personal data including your name, email address, payment details, usage patterns, device information, and the content you generate or submit through their services....

Why it matters: The breadth of data collected means Stability AI builds a detailed profile of users, including financial and behavioral data, which increases the importance of understanding how that data is protected and shared....

Stability AI shares your personal data with third-party service providers, business partners, and affiliates to operate its services, process payments, and conduct analytics....

Why it matters: When your data is shared with third parties, it becomes subject to their own privacy practices and security measures, increasing the risk of exposure and reducing your control over your information....

If you are located in the EU or UK, your personal data may be transferred to and processed in countries outside those regions, including the United States, with Stability AI claiming appropriate safeguards are in place....

Why it matters: International data transfers carry risk because countries outside the EU and UK may not provide equivalent data protection standards, and safeguards such as Standard Contractual Clauses can be complex for users to enforce....

Stability AI retains your personal data for as long as necessary to provide services, comply with legal obligations, resolve disputes, and enforce agreements....

Why it matters: Vague data retention language means your data could be held indefinitely under broad interpretations of 'legal obligations' or 'business purposes', limiting your ability to have data fully erased....

California residents have specific rights under the California Consumer Privacy Act, including the right to know what data is collected, the right to delete it, the right to opt out of its sale, and the right not to be discriminated against for exercising these rights....

Why it matters: California law gives residents stronger protections than the general policy offers, including the right to opt out of data sales and to receive equal service regardless of whether they exercise their privacy rights....

Wise can change the terms of this agreement at any time by sending you notice, and if you keep using the service after the change, you are treated as having agreed to the new terms....

Why it matters: You could be bound by new terms — including less favourable conditions — simply by continuing to use Wise, even if you did not actively review or accept the changes....

Before using Wise's services, you must provide personal information including your name, address, date of birth, and government-issued ID to verify your identity....

Why it matters: Failure to complete verification — or providing inaccurate information — can result in your account being restricted or closed, preventing access to your funds....

Wise prohibits using the service for illegal activities, fraud, money laundering, or violating sanctions, and will close your account if you breach these rules....

Why it matters: If Wise determines — even incorrectly — that you have violated prohibited activity rules, your account can be closed immediately and funds may be held pending investigation....

Disputes with Wise are governed by the laws of a specific US state (typically where Wise is headquartered), which may differ from the state where you live....

Why it matters: The choice of governing law can affect what consumer protections apply to your dispute, potentially limiting rights you would otherwise have under your home state's laws....

Wise collects your personal and financial data to provide its services, comply with legal obligations, and may share it with third parties including financial institutions and regulators....

Why it matters: Your sensitive financial and personal information is shared with multiple parties, and understanding how it is used and protected is important for your privacy....

Wise charges fees for transfers and currency conversions that are disclosed at the time of each transaction, and exchange rates may vary from the mid-market rate....

Why it matters: Understanding the true cost of transfers — including the exchange rate margin applied — is important to ensure you are not paying more than expected for international payments....

Glassdoor shares your personal data with its affiliated companies, including Indeed and Indeed Flex, as part of their connected services....

Why it matters: Your data does not stay within Glassdoor alone — it flows to other major platforms in the same corporate family, expanding the scope of who holds and can use your information....

Glassdoor has appointed separate legal representatives in the EU (Glassdoor Hiring Solutions Ireland Ltd.) and UK (Glassdoor Global Ltd.) to handle GDPR rights and complaints....

Why it matters: EU and UK users have legally enforceable rights under GDPR including access, deletion, and objection to processing, and these representatives are the formal point of contact for exercising those rights....

Glassdoor collects data about how you interact with their services — including links you click, communications you open, and jobs you search for or save — and uses this to draw inferences about you....

Why it matters: Behavioral tracking and inferences can build detailed profiles about your interests and employment situation that may be used for targeted advertising or shared with third parties without your awareness....

Glassdoor collects and processes the content of direct messages sent between users on its platform....

Why it matters: Private messages you send through Glassdoor are not truly private — they are collected, stored, and processed as personal data by the company....

WhatsApp encrypts the content of your messages so that only you and the person you are communicating with can read them — not WhatsApp or Meta....

Why it matters: This is a meaningful privacy protection for message content, but it does not cover metadata such as who you message, how often, and when — which WhatsApp does collect....

Users in the EU and UK have stronger data rights — like the right to object to processing and data portability — than users in most other countries, including the US....

Why it matters: Most of WhatsApp's global user base has significantly fewer enforceable rights over their personal data than European users, creating a two-tier privacy system....

Even after you delete your WhatsApp account, some of your data may be retained by WhatsApp for legal, safety, or operational reasons....

Why it matters: Deleting your account does not immediately erase all data WhatsApp holds about you, which may be kept for an unspecified period for compliance or safety purposes....

When you message a business on WhatsApp, that business may share your conversation data with third-party providers and Meta for customer service and advertising purposes....

Why it matters: Messaging a business on WhatsApp is not governed by the same privacy rules as messaging a friend — businesses can share what you say with other companies....

eBay scans and filters messages that users send to each other through eBay's messaging tools, monitoring content for policy compliance and fraud prevention....

Why it matters: Private messages you send to other eBay users are not truly private — eBay reads and analyzes them, which may be unexpected for users who believe their communications are confidential....

eBay uses artificial intelligence and automated decision-making to personalize your experience, detect fraud, and make recommendations, which may have significant effects on what you see and what access you have....

Why it matters: Automated AI systems can affect what listings you see, whether your account is flagged for review, and how pricing or recommendations are made — potentially without any human review of decisions that affect you....

eBay transfers your personal data across international borders — including to countries outside the EU and UK — to other eBay group companies and third-party service providers....

Why it matters: Your personal data may be transferred to countries with lower privacy protections than your home country, and understanding the legal safeguards in place is important for assessing your actual privacy protections....

You have the right to request access to your personal data, ask for it to be deleted, receive a copy of it, or object to how it is being used — and eBay is required to respond to these requests....

Why it matters: These rights are legally enforceable under GDPR for EU/UK users and under CCPA/CPRA for California residents, and exercising them gives you genuine control over your personal information held by eBay....

eBay uses cookies, web beacons, pixels, and similar tracking technologies on its website and apps to collect data about your browsing behavior, both on and off eBay's platform....

Why it matters: eBay and its advertising partners track your online activity across the web, not just on eBay, meaning your browsing habits outside of eBay can be used to build advertising profiles about you....

California residents and residents of certain other US states have additional privacy rights including the right to know what data is collected, opt out of the sale or sharing of their personal information, and request deletion of their data....

Why it matters: If you live in California or another state with a comprehensive privacy law, you have legally enforceable rights that go beyond standard eBay privacy protections, including the right to stop eBay from sharing your data with advertisers....

eBay retains your personal data for as long as necessary to provide services, comply with legal obligations, and protect against fraud or legal claims — and will delete it when it is no longer needed for these purposes....

Why it matters: eBay may hold your data for extended periods, including after you close your account, for legal and business reasons, which means deleting your account does not necessarily result in immediate deletion of all your personal data....

When you upload files to Dropbox, you grant the company a license to use, copy, and display your content as needed to provide and improve the service. You still own your content, but Dropbox gets broad rights to use it....

Why it matters: The license Dropbox receives is broad and includes the ability to access and process your files — understanding exactly what this covers is important for anyone storing sensitive personal or business content....

Dropbox can suspend or permanently close your account if it believes you have violated the Terms of Service or Acceptable Use Policy, sometimes without prior notice....

Why it matters: Account termination can result in loss of access to all your stored files and data. Dropbox's right to act unilaterally means you may lose access without a chance to appeal or retrieve your data first....

Dropbox can change these terms at any time and will notify you by email or through the service. Continuing to use Dropbox after changes are made means you agree to the new terms....

Why it matters: You may not always notice term changes before they take effect, and continued use of the service is treated as acceptance — meaning your rights could change without you actively agreeing....

Dropbox prohibits using the service to store or share illegal content, malware, content that violates others' rights, or other harmful material. Violations can result in account suspension or termination....

Why it matters: Dropbox reserves the right to monitor and act on content it determines violates its policies, which means the company has broad discretion to remove content or close accounts....

You agree to defend and compensate Dropbox if a third party sues them because of something you did — such as violating someone's copyright or uploading harmful content....

Why it matters: This clause means that if your use of Dropbox causes legal problems for the company, you are financially responsible for defending them and paying any costs or damages they incur....

Wealthfront collects selfie photographs and government ID images for identity verification, which may be considered biometric data under some state laws, and requires vendors to delete this data within 90 days....

Why it matters: Biometric data is among the most sensitive personal information and is subject to strict state laws in Illinois, Texas, and Washington; the 90-day vendor destruction requirement offers some protection but consumers should be aware this data is collected....

If Wealthfront is sold, merges with another company, or goes through bankruptcy, your personal information may be transferred to the new owner as part of that transaction....

Why it matters: A corporate transaction could result in your sensitive financial data — including Social Security numbers, bank credentials, and investment history — being transferred to a new entity that may have different privacy practices....

Wealthfront may track your browsing activity across different devices and websites, matching your mobile and desktop behavior to build a more complete profile of you....

Why it matters: Cross-device tracking creates a more comprehensive behavioral profile than single-device tracking, and consumers may not be aware their activity is being linked across their phone, tablet, and computer....

California residents who are free Users (not full Clients) can request information about what personal data Wealthfront has collected and ask for it to be deleted up to twice per year at no charge....

Why it matters: California residents have enhanced privacy rights under CCPA, but full Wealthfront clients have significantly limited ability to exercise deletion rights due to financial regulatory exemptions....

Klarna's monthly financing products are actually loans issued by WebBank, not directly by Klarna. This means WebBank is the legal lender of record for financing transactions....

Why it matters: Knowing that WebBank is the actual lender means that in a dispute about a loan, WebBank may be the party you need to contact — not just Klarna....

All Klarna financing is subject to credit approval, meaning not everyone will qualify, and the terms you receive depend on your creditworthiness....

Why it matters: Your credit score determines both whether you can use Klarna financing and how much interest you will pay — a soft or hard credit check may also affect your credit profile....

Klarna discloses that monthly payment estimates shown to consumers exclude potential tax and shipping costs, so the actual payment amount may be higher than quoted....

Why it matters: The advertised monthly payment amount is not the full picture — taxes and shipping are added on top, which could meaningfully increase what you actually owe each month....

When you post reviews, photos, or other content on Yelp, you give Yelp a free, permanent, worldwide license to use, copy, display, and distribute that content in any way they choose....

Why it matters: This means Yelp can use your reviews and photos for advertising, partnerships, or other commercial purposes without paying you or asking permission each time....

Yelp can change these Terms at any time, and your continued use of Yelp after the changes take effect means you automatically agree to the new Terms....

Why it matters: You could be bound by significantly different rules without actively agreeing to them — just by continuing to use Yelp after a change....

Yelp can suspend or terminate your account at any time, for any reason, without necessarily giving you advance notice or a refund....

Why it matters: If your account is terminated, you could lose access to your review history, saved data, and any paid features without compensation or meaningful recourse....

You agree to cover Yelp's legal costs and damages if your use of Yelp causes a third party to make a claim against Yelp....

Why it matters: If a review or content you post leads to a lawsuit against Yelp, you could be personally liable for Yelp's legal fees and any damages — even if you didn't intend to cause harm....

If you use Yelp to manage a business, additional legal terms apply on top of the standard Terms, covering how you can use Yelp's business tools and advertising services....

Why it matters: Business owners on Yelp are subject to a more complex set of rules, and failing to comply with the Business Terms could result in account suspension or liability....

Yelp has the right to remove, edit, or refuse any content you post on the platform at its sole discretion, including reviews and photos....

Why it matters: Your reviews or other contributions can be removed without explanation, and you have no contractual guarantee that your content will remain published....