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Cash App
· Cash App Terms of Service
The agreement reserves Block's right to suspend or close your Cash App account at its sole discretion, with or without prior notice, which could affect your access to any funds held in your Cash App Balance....
Why it matters: Account suspension without prior notice is particularly significant for users who hold funds in their Cash App Balance, as it may restrict access to money until the account status is resolved. Applicable law, including Regulation E and state money transmission regulations, may impose constraints on how account closures affecting prepaid balances are conducted....
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Meta Ads
· Meta Privacy Policy
Meta collects data about what you do on other websites and apps, not just on Facebook or Instagram, including purchases and ad interactions, through its tracking tools like the Meta Pixel and from data broker partners....
Why it matters: This provision means your activity across a wide range of third-party digital and physical environments can be linked back to your Meta profile and used to target you with advertising, even if you never consciously shared that activity with Meta....
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Meta Ads
· Meta Privacy Policy
Meta combines data from all of its apps including Facebook, Instagram, and Messenger, across all your devices, as well as data from external partners, to build a unified profile used for advertising and other purposes....
Why it matters: This means the data you generate using Instagram can influence what ads you see on Facebook, and vice versa, and that data from third-party partners is folded into the same profile, creating a more comprehensive targeting dataset than any single platform's data alone....
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Meta Ads
· Meta Privacy Policy
Meta may collect sensitive personal data categories such as health, religious beliefs, political views, and sexual orientation if you provide them, and may also draw inferences about these characteristics from other data it collects....
Why it matters: The collection and inference of special category data carries heightened legal obligations under GDPR and many other frameworks, and creates elevated privacy risk if that data is used in advertising targeting or shared with partners....
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Meta Ads
· Meta Privacy Policy
Meta shares your personal data with a wide range of third parties including advertisers, analytics partners, measurement companies, vendors, researchers, and law enforcement, for purposes including ad targeting, measurement, and safety....
Why it matters: The breadth of third parties with whom Meta may share user data, combined with the range of purposes stated, means your information may flow to organizations and entities you have no direct relationship with, for purposes beyond your original reason for using Meta's services....
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Monitoring
These provisions have changed before.
Monitor includes same-day alerts, structured change summaries, and monitoring for up to 25 platforms.
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Meta Ads
· Meta Privacy Policy
Meta uses the data it collects about you across all its products, and allows advertising partners to layer in their own data about you, to decide which ads you see on Facebook, Instagram, and affiliated services....
Why it matters: Personalized advertising is the primary commercial use of your data on Meta's platforms, and this provision authorizes a layered targeting model where both Meta's data and a partner advertiser's own data can simultaneously inform the ads you see....
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Minecraft
· Minecraft Usage Guidelines
Minecraft is not giving you a legal license to use its content. It is simply agreeing not to sue you as long as you follow its rules, and it can change that position at any time....
Why it matters: This means creators and developers have no contractual right to use Minecraft assets, only a conditional promise of non-enforcement that Mojang can withdraw....
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Minecraft
· Minecraft Usage Guidelines
Mojang can update these usage rules whenever it wants, and if you disagree with the changes, your only option is to stop using Minecraft's content entirely....
Why it matters: Creators who have built channels, businesses, or products around Minecraft content have no guaranteed right to continue doing so if Mojang changes the rules....
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Ancestry
· Ancestry Terms and Conditions
When you upload family trees, photos, stories, or other content to Ancestry, you give Ancestry permission to use that content forever, in any format and for any purpose, even after you close your account....
Why it matters: This license is perpetual and irrevocable, meaning Ancestry retains rights to your uploaded content even if you delete your account or request removal of the content, which may conflict with users' expectations about data control....
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Ancestry
· Ancestry Terms and Conditions
If you have a dispute with Ancestry, this clause requires you to resolve it through individual arbitration rather than going to court, and prevents you from joining or starting a class action lawsuit against Ancestry....
Why it matters: This provision removes your right to a jury trial and to participate in class actions, which are often the practical mechanism for consumers to pursue claims too small to litigate individually; it applies to virtually all disputes about your use of Ancestry services....
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Ancestry
· Ancestry Terms and Conditions
If you take an AncestryDNA test, your genetic information is governed by a separate set of terms and a separate privacy statement, and you may be asked to consent to your DNA data being used for research or shared with third-party partners....
Why it matters: Genetic data is among the most sensitive personal information a person can share, and the layered consent structure, where core terms reference but do not fully replicate the AncestryDNA-specific terms, means users must navigate multiple documents to understand the full scope of how their DNA data may be used or shared....
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Ancestry
· Ancestry Terms and Conditions
Ancestry limits its financial responsibility to you for most types of harm to the greater of $100 or what you paid in the last year, and excludes liability for indirect or consequential losses entirely....
Why it matters: This clause means that even if Ancestry's service causes you significant harm, such as a data breach exposing sensitive family information, your financial recovery from Ancestry is effectively capped at a relatively small amount, which may not reflect the actual impact of any harm suffered....
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TaskRabbit
· TaskRabbit Privacy Policy
TaskRabbit can share your personal information with outside companies for the purpose of showing you advertisements, with limited detail provided about who those companies are or what safeguards apply....
Why it matters: This clause authorizes broad sharing of personal data for advertising without specifying the identity of recipients, the categories of data shared, or contractual limits on downstream use by those third parties....
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TaskRabbit
· TaskRabbit Privacy Policy
TaskRabbit collects government-issued ID documents, social security or tax identification numbers, and criminal background check results from certain users, primarily Taskers....
Why it matters: The collection of social security numbers, government photo ID, and criminal history represents some of the most sensitive categories of personal data, and their exposure in a breach or unauthorized disclosure carries significant identity theft and discrimination risk....
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AI21 Labs
· AI21 Labs Terms of Use
If something goes seriously wrong with AI21's service and you want to hold the company financially responsible, the most you can recover is either $100 or whatever you paid AI21 in the prior year, whichever is larger....
Why it matters: For developers or businesses that rely on AI21's API for production systems, a liability cap of $100 or twelve months of fees may be far below the actual cost of a service failure, data incident, or harmful output....
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AI21 Labs
· AI21 Labs Terms of Use
AI21 Labs can cut off your access to any of its services at any moment, for any reason or no reason at all, without telling you in advance....
Why it matters: Developers and businesses that have built products or workflows dependent on AI21's API face the risk of sudden, unannounced service disruption with no guaranteed notice period or transition time....
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Roblox
· Roblox Terms of Use
If you are in the United States, you agree to resolve any legal disputes with Roblox through private arbitration rather than in a public court, and you give up the right to join a class action lawsuit against Roblox....
Why it matters: Class action waivers and mandatory arbitration clauses limit your ability to hold companies accountable for widespread harms, and arbitration proceedings are typically less accessible and less transparent than court proceedings....
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Roblox
· Roblox Terms of Use
Roblox now explicitly permits advertisements, both personalized and non-personalized, to be shown to all users on the platform, including children and teenagers....
Why it matters: Advertising directed at minors is subject to heightened regulatory scrutiny under COPPA and FTC guidelines, and the expansion of ad eligibility to all users represents a material policy change with significant implications for parents and guardians....
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Roblox
· Roblox Terms of Use
Roblox can collect your facial geometry and biometric data if you use camera-based features like facial animations, age verification, or certain chat features, with data handling governed by separate privacy notices....
Why it matters: Biometric data is among the most sensitive categories of personal information, and state laws such as Illinois BIPA impose strict consent, retention, and destruction requirements that carry significant statutory damages for violations....
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Square
· Square Terms of Service
If you have a dispute with Square, you generally must resolve it through individual arbitration rather than through the courts or as part of a group lawsuit. This means you give up the right to sue Square in court or join a class action....
Why it matters: The class action waiver means that if many users experience the same problem with Square, each person must pursue their complaint individually rather than collectively, which can make it economically impractical to pursue smaller claims....
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Square
· Square Terms of Service
Square can freeze the money owed to you from sales for up to 90 days, or potentially longer, if it suspects fraud, elevated risk, or a policy violation. This decision is made at Square's discretion....
Why it matters: For merchants who rely on payment proceeds to cover daily operating costs, a fund hold of up to 90 days can create serious cash flow problems, especially if the hold is triggered by an automated risk flag rather than a confirmed violation....
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Waze
· Waze Privacy Policy
Waze collects your exact GPS location continuously while you use the app, and potentially when it runs in the background if you have allowed it, using this data for navigation and broader service improvement....
Why it matters: Precise, continuous location data is among the most sensitive personal information an app can collect, as it can reveal home address, workplace, medical appointments, religious attendance, and other sensitive patterns over time....
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Waze
· Waze Privacy Policy
Waze shares your personal data, including location history and usage patterns, with Google LLC and other Google-owned companies to support both Waze's services and Google's broader operations....
Why it matters: Because Google operates one of the world's largest digital advertising platforms, sharing Waze data with Google affiliates extends your navigation data's potential use into ad targeting, profiling, and other purposes beyond navigation....
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OpenSea
· OpenSea Terms of Service
If you have a dispute with OpenSea, you must resolve it through private arbitration rather than suing in court, and you cannot join a class action lawsuit against OpenSea....
Why it matters: This clause removes your right to sue OpenSea in court and prevents you from joining with other users in a class action, which is particularly significant if individual claim amounts are small and collective action would otherwise be the practical path to relief....
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OpenSea
· OpenSea Terms of Service
OpenSea says it is only a marketplace platform, not a party to your transactions, and it limits its financial liability to you for any losses arising from using the service....
Why it matters: If an NFT you buy turns out to be fraudulent, a smart contract fails, or a transaction goes wrong, OpenSea's position is that it bears no responsibility, leaving users with limited recourse through the platform itself....
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OpenSea
· OpenSea Terms of Service
Users are prohibited from wash trading, using other users' accounts without permission, and trading digital assets that qualify as securities, and are personally responsible for their own conduct on the platform....
Why it matters: The prohibition on trading securities-classified digital assets through OpenSea places compliance responsibility on users for determining whether assets they trade may be regulated as securities, which is a complex and evolving legal question....
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OpenSea
· OpenSea Terms of Service
You are fully responsible for securing your own crypto wallet and any digital assets stored in it, and OpenSea accepts no responsibility if your wallet is compromised or your assets are lost....
Why it matters: If your wallet is hacked or you lose access to your private keys, OpenSea has no obligation to help recover your assets, and the public visibility of your profile and transactions means your trading history and holdings may be visible to others....
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Gusto
· Gusto Terms of Service
If you have a legal dispute with Gusto, you must resolve it through private arbitration, not a lawsuit, and you cannot join a class action against Gusto....
Why it matters: This clause removes the right to sue Gusto in court and prevents users from joining together in class action lawsuits, which can make it harder and more expensive to pursue smaller individual claims....
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Gusto
· Gusto Terms of Service
If Gusto makes an error that costs you money, the maximum amount you can recover from Gusto is limited to the fees you paid Gusto over the past twelve months, regardless of how large your actual loss is....
Why it matters: For businesses that process large payrolls, the actual financial harm from a payroll processing failure could far exceed twelve months of Gusto subscription fees, leaving the employer-customer absorbing most of the loss....
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PayPal
· PayPal Privacy Statement
PayPal may collect your face scan, voice, or photo to verify your identity for a range of account actions, including logging in, changing your profile, managing payments, and initiating cryptocurrency transfers, when you consent within the app....
Why it matters: The provision identifies a broad list of use cases for biometric data collection beyond basic login, including cryptocurrency transfers and lifting account limitations, which means biometric data may be collected across multiple account interactions rather than a single enrollment event....
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PayPal
· PayPal Privacy Statement
PayPal states it may use your personal information to train its AI systems and applies automated decision-making to assess fraud risk and manage service delivery, which may affect decisions made about your account....
Why it matters: This provision discloses that personal information, including financial and transaction data, is used to train AI models, and that automated decision-making is applied to fraud and risk assessments that may have consequences for account access and service availability....
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PayPal
· PayPal Privacy Statement
PayPal states it may generate inferred data about you, including your gender, estimated income, creditworthiness, and shopping preferences, derived from your transactions and browsing activity on PayPal and partner sites....
Why it matters: This provision discloses that PayPal may derive sensitive attributes, including income and creditworthiness estimates, from transaction behavior without requiring separate consent for each inferred attribute, and that these inferences may be used in product recommendations and risk assessments....
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PayPal
· PayPal Privacy Statement
PayPal states it may obtain your personal information from data brokers, credit reporting agencies, financial institutions, government entities, and Partners and Merchants, and may also share your information with these categories of parties....
Why it matters: The explicit disclosure that data brokers are among the sources from which PayPal obtains personal information means that data about users may be combined with externally purchased data profiles, which can affect the completeness and sensitivity of the information PayPal holds and uses for targeting and risk assessment....
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Instacart
· Instacart Terms of Service
U.S. users must resolve most disputes with Instacart through private arbitration rather than in court, and cannot join class action lawsuits. There is a 30-day window to opt out after accepting these terms....
Why it matters: This provision requires U.S. users to individually arbitrate disputes rather than sue in court or participate in class actions, which may affect their practical ability to pursue small or complex claims against Instacart....
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Instacart
· Instacart Terms of Service
Instacart's maximum financial responsibility to you for any claim is capped at either what you paid Instacart in the past year or $100, whichever is more....
Why it matters: This cap limits the amount users can recover from Instacart for damages arising from use of the services, regardless of the actual harm suffered, subject to applicable law....