Provisions Index

GPT-4o is programmed with absolute restrictions ('hardcoded OFF' behaviors) that cannot be overridden by any operator or user, including never generating child sexual abuse material (CSAM) or providing serious uplift for weapons of mass destruction....

Why it matters: These absolute prohibitions represent OpenAI's commitment to a floor of safety behavior that no business customer or individual user can disable — but the system card also acknowledges that adversarial prompting can sometimes cause the model to behave inconsistently with its intended restrictions....

OpenAI can use the messages you send to ChatGPT to train and improve its AI systems, unless you turn this off in your account settings....

Why it matters: Sensitive personal information you share in conversations — including health questions, financial details, or private communications — could be used to shape future AI behavior....

OpenAI collects a wide range of data about you automatically, including your messages, files you upload, your location, your device details, and information from other companies....

Why it matters: The breadth of data collection — including conversation content, precise location, and third-party sourced data — creates a detailed profile of users that may be used for purposes beyond what users expect....

OpenAI does not allow children under 13 to use its services and says it will delete any data collected from them if notified....

Why it matters: Without robust age verification mechanisms, children under 13 may access ChatGPT and have their data collected in violation of COPPA, creating legal and safety risks....

A parent or legal guardian must set up and control a child's Messenger Kids account using their own Facebook account, acting as the consent provider for their child's use of the service....

Why it matters: This provision places the legal responsibility for consenting to data collection on the parent, meaning parents are directly accountable for what their child does and shares on the platform....

Meta collects data about how children use Messenger Kids, including messages, activity, and device information, subject to its Privacy Policy which parents should review....

Why it matters: Children's data is among the most sensitive category of personal information, and parents need to understand the scope of what Meta collects in order to make an informed consent decision....

If you have a dispute with OpenAI, you must resolve it through private arbitration rather than in court, and you cannot join others in a class action lawsuit against the company....

Why it matters: This clause removes your right to sue OpenAI in court and prevents you from joining with other affected users in a class action, which is often the only practical way to seek compensation for small but widespread harms....

OpenAI can use the text, images, and other content you submit to ChatGPT to train and improve its AI systems, unless you turn this off in your account settings....

Why it matters: Your personal conversations, creative work, and other inputs could be used to shape future AI model behavior at a massive scale, raising significant privacy and intellectual property concerns, particularly for sensitive or confidential information you share....

You must be at least 13 years old to use ChatGPT, and if you are under 18, a parent or guardian must give permission — though there is no technical age verification mechanism described....

Why it matters: Without a robust age verification system, minors may access the service in violation of these terms, exposing them to AI-generated content risks and creating COPPA liability for OpenAI if children's personal data is collected without verifiable parental consent....

If OpenAI gets sued or faces costs because of something you did using their service — including content you created — you must pay OpenAI's legal fees and any resulting losses....

Why it matters: This clause places potentially unlimited financial liability on individual users for their use of ChatGPT, including covering OpenAI's attorneys' fees, which is an unusually broad indemnification obligation for a consumer-facing service....

You keep ownership of what you put in, and OpenAI says you own what ChatGPT generates for you — but you're legally responsible if the AI output or your inputs infringe someone else's copyright....

Why it matters: While the ownership grant sounds user-friendly, the warranty that AI outputs don't infringe third-party rights places the copyright infringement risk squarely on users, despite the fact that the AI model — not the user — generates the content....

OpenAI limits its financial liability to you to a maximum of $100 or three months of payments, whichever is more, and will not pay for indirect losses like lost income or business disruption caused by AI errors....

Why it matters: If you suffer significant harm — financial loss, reputational damage, or disruption to your business — as a result of ChatGPT errors, hallucinations, or a service outage, OpenAI's legal exposure is capped at a trivial amount that likely won't cover your actual losses....

It is completely forbidden to use any OpenAI product to create sexual content involving children under any circumstances....

Why it matters: This is one of the few absolute, non-negotiable prohibitions in the policy — no operator or user exception applies, and violations will trigger law enforcement referral....

OpenAI's tools cannot be used to help anyone create weapons capable of mass casualties, including biological, chemical, nuclear, or radiological weapons....

Why it matters: This is an absolute prohibition with no operator override, implicating federal criminal law and export controls — violations could expose users and operators to criminal prosecution, not just account termination....

Businesses and developers using the OpenAI API can customize how the AI behaves for their users — making it more or less restrictive — but only within limits OpenAI sets. This means the AI experience varies by platform, and operators bear responsibility for how their users interact with the model....

Why it matters: This clause shifts significant compliance responsibility onto API operators — if a developer's platform enables a prohibited use, the operator bears legal and contractual liability, not just OpenAI....

OpenAI's tools cannot be used to create malware, cyberweapons, or any malicious code intended to cause damage to computer systems or networks....

Why it matters: Given that AI models can generate functional code, this prohibition addresses a specific and serious risk of OpenAI tools being weaponized for cybercrime — violations implicate federal computer fraud law....

OpenAI may use the content of your conversations with ChatGPT and other products to train and improve its AI models unless you opt out through account settings....

Why it matters: This means private, sensitive, or personal information you share with ChatGPT could be reviewed and used to shape future AI behavior, raising significant privacy concerns....

OpenAI shares your personal data with third-party service providers, business partners, and affiliated companies to operate and improve its services....

Why it matters: Your data is not siloed within OpenAI — it is shared with a range of external vendors and partners, expanding the potential exposure of your personal information....

OpenAI's services are not directed at children under a minimum age threshold (typically 13 in the US or 16 in the EU), and parental consent requirements apply for younger users....

Why it matters: If a minor uses OpenAI's products without appropriate consent mechanisms, their data may be collected without the protections required by law, creating risks for both families and OpenAI....

OpenAI uses the things you type into ChatGPT and the answers it gives you to train and improve its AI, unless you go into your settings and turn this off....

Why it matters: This is the single most significant data practice in the document — it means every conversation you have with ChatGPT may be used to make the AI better, including any personal or sensitive information you share, and you have to actively opt out rather than opt in....

Children under 13 cannot use OpenAI services at all. Teenagers aged 13 to 17 can only use the services if a parent or guardian has given permission....

Why it matters: If a child under 13 uses ChatGPT without authorization, their data may be collected in violation of COPPA, creating legal exposure for both OpenAI and any platform operator that facilitated access; parents should verify their children are not using these services unsupervised....

When you use ChatGPT or other OpenAI services, you give OpenAI a broad, worldwide, free license to use, copy, and modify anything you submit — including your prompts and any files you upload — to run and improve the services....

Why it matters: This license grant is broad and covers modification and distribution of your content globally without payment, which means creative work, proprietary business information, or personal data you input into OpenAI services is licensed to OpenAI for operational and improvement purposes....

OpenAI can shut down your account at any time and for almost any reason, including if it thinks — but cannot prove — that you have broken the rules....

Why it matters: OpenAI retains essentially unilateral termination rights with minimal procedural constraints, which means paid subscribers can lose access to ChatGPT Plus or API services without a defined notice period, appeal process, or automatic refund entitlement....

If OpenAI causes you harm — for example if AI outputs cause financial or reputational damage — your ability to recover money from OpenAI is capped at either what you paid in the last year or just $100, whichever is more....

Why it matters: This liability cap means that even if OpenAI's AI outputs cause significant real-world harm — such as incorrect medical, legal, or financial information acted upon in good faith — your maximum legal recovery is effectively capped at $100 for free tier users, which is far below typical actual damages...

If you have a dispute with Anthropic, you must resolve it through private arbitration rather than suing in court, unless you opt out within 30 days of creating your account....

Why it matters: Arbitration removes your ability to have a judge or jury hear your case and typically limits discovery and appeal rights, favoring the company in disputes....

You agree to give up your right to participate in any class action lawsuit or class-wide arbitration against Anthropic....

Why it matters: Class actions allow many consumers to pool resources to challenge corporate wrongdoing — waiving this right means you can only pursue individual claims, which may not be economically viable for small disputes....

By default, Anthropic may use your conversations and inputs to train its AI models, but you can opt out in your account settings....

Why it matters: Your private conversations with Claude could be used to improve Anthropic's AI systems unless you actively disable this in your account settings....

Anthropic's financial liability to you is capped at the greater of the fees you paid in the last 12 months or $100, and Anthropic is not liable for indirect or consequential damages....

Why it matters: Even if Anthropic's AI gives you harmful or incorrect information that causes you significant loss, your compensation is severely capped....

If you are under 13, Roblox only collects a limited set of information (username, password, date of birth, and optionally gender), and the only personal information collected as defined by COPPA is a parent or guardian's email address....

Why it matters: Millions of Roblox users are children — this provision sets the legal floor for what data Roblox can collect from them and requires parental involvement....

Roblox may use content you and other users have posted — including chat and audio — to train or improve its AI/ML content filtering systems, where permitted by law....

Why it matters: Your messages, audio, and other content on Roblox may be used to train artificial intelligence systems, which is a significant secondary use of your personal data you may not have anticipated....

Roblox shares certain user data with advertising partners and analytics providers to deliver targeted advertisements and measure ad performance on the platform....

Why it matters: Your usage data and identifiers may be shared with third-party advertising companies, which can build profiles about you and affect what ads you see on and off Roblox....

Webull collects a wide range of information about you including your name, address, Social Security number, financial account details, trading activity, device identifiers, location data, and browsing behavior on their platform....

Why it matters: The breadth of data collected — spanning identity, finances, and behavior — creates significant privacy exposure and potential risk if data is breached or misused....

Webull may share your personal and financial information with its affiliated companies, third-party service providers, business partners, and in some cases advertisers....

Why it matters: Your sensitive financial data could be shared with a broad network of companies beyond Webull itself, reducing your control over who accesses your information....

Webull may collect biometric information such as facial recognition or fingerprint data where applicable as part of identity verification processes....

Why it matters: Biometric data is uniquely sensitive because it cannot be changed like a password; misuse or a breach involving biometric data carries irreversible privacy consequences....

Webull states it implements technical and organizational security measures to protect your data but acknowledges that no security system is impenetrable and does not guarantee absolute security....

Why it matters: As a financial platform holding sensitive investment and identity data, inadequate security could expose users to financial fraud, identity theft, and account compromise....

U.S. users must resolve any legal disputes with Roblox through private arbitration rather than in court, and cannot join class action lawsuits against Roblox....

Why it matters: This clause removes your right to sue Roblox in a traditional court and prevents you from joining with other users in a class action, significantly limiting your legal recourse if something goes wrong....

Roblox can suspend or permanently ban your account at any time at its sole discretion, and doing so may result in you permanently losing access to your Robux balance and any virtual items you have purchased....

Why it matters: Since users spend real money on Robux and virtual items, losing access to a banned account effectively means losing money you've spent, with no guaranteed refund....

If you use Roblox's facial animation, age verification, or camera-based features, Roblox collects and processes your biometric data including facial geometry....

Why it matters: Biometric data is among the most sensitive personal data; its collection and use is regulated by state laws like Illinois' BIPA, and users should understand how their facial data is used, stored, and deleted....

If you are under the age of majority in your jurisdiction, your parent or legal guardian must read and agree to the Roblox Terms before you use the platform, and the guardian is responsible for all of the minor's activities including purchases....

Why it matters: Parents are legally responsible for purchases made by their children on Roblox, including Robux purchases, which means they may be held liable for spending they did not directly authorize....

Robux — the virtual currency used on Roblox — cannot be refunded once purchased and have no real-world cash value, meaning you cannot exchange them back for money....

Why it matters: Users who spend real money to buy Robux cannot get a refund if they change their mind, have their account suspended, or stop using the platform....

Roblox can remove any content you create or share and can suspend or ban your account at any time, for any reason, based solely on Roblox's own judgment....

Why it matters: Roblox has near-unlimited power to remove your content and block your access to the platform, with no guaranteed right to reinstatement or compensation for lost content or purchases....

If you have a dispute with Webull, you must resolve it through private arbitration rather than going to court. This applies to almost all legal claims you might have against Webull....

Why it matters: Arbitration is a private process that is generally less favorable to consumers than court proceedings, limits discovery rights, and decisions are very difficult to appeal....

You agree that you cannot join a class action lawsuit against Webull — any legal claim must be brought individually, not as part of a group....

Why it matters: Class actions allow consumers to pool resources to challenge corporate wrongdoing; waiving this right means individual claims against Webull may be economically impractical to pursue....

Webull is not responsible for losses you suffer due to platform outages, data errors, delayed quotes, or other service failures — even if those failures cause you to lose money on trades....

Why it matters: If Webull's platform goes down during a market event or provides inaccurate price data causing you a financial loss, you have very limited ability to recover those losses from Webull....

You agree to pay Webull's legal costs and damages if Webull is sued or suffers losses because of something you did on the platform....

Why it matters: This means that if your actions on Webull's platform — even unintentionally — cause Webull legal or financial harm, you could be personally liable for their legal fees and losses....

Webull can suspend or close your account at any time, for any reason, at its sole discretion, with or without prior notice....

Why it matters: Your access to your trading account and funds could be cut off without warning, which is particularly serious in volatile market conditions when timely access to your account is critical....

Public.com shares your personal information, including financial and behavioral data, with advertising networks and marketing partners to deliver targeted advertisements....

Why it matters: Your sensitive investment and personal data is being used to profile you for advertising purposes, which goes beyond the core service you signed up for....

Public.com collects detailed financial information including your investment holdings, transaction history, bank account details, and income information when you use the platform....

Why it matters: Financial data is among the most sensitive personal information, and its collection by an investment platform creates significant privacy and security risks if misused or breached....

When you upload content to YouTube, you give YouTube a free, worldwide, permanent license to use, copy, distribute, and make money from your content as part of its business....

Why it matters: You retain ownership on paper, but YouTube can use your videos commercially — including in ads and promotions — without paying you, unless a separate deal exists....

YouTube has the right to show ads on or around your content and charge users for access to it, and this agreement does not entitle you to receive any payments for this monetization....

Why it matters: YouTube can earn revenue from your uploaded videos without paying you unless you have a separate partner agreement — the default ToS alone grants zero payment rights....