Provisions Index

Calm can terminate your account or subscription at any time, without notice, if it believes you have violated the Terms....

Why it matters: You could lose access to content you have paid for — including lifetime subscriptions — without warning and with no refund rights....

You must be at least 16 years old to use Calm, and users under the age of majority in their region must have a parent or guardian agree to the Terms on their behalf....

Why it matters: Parents are legally responsible for their children's activity on Calm, including any subscriptions or purchases made by minors under a family plan....

Fiverr collects a wide range of information about you including your name, email, payment details, messages with other users, and how you browse and use the platform....

Why it matters: Understanding what data is collected helps you assess your privacy exposure and decide whether you're comfortable using the platform....

Fiverr shares your personal data with advertising partners and third-party companies to show you targeted ads based on your behavior and interests....

Why it matters: Your browsing habits and personal information may be used by companies you've never heard of to target you with ads, which is a significant privacy concern....

Fiverr uses cookies and similar tracking tools to monitor your behavior on their site and across the internet to personalize your experience and serve targeted ads....

Why it matters: Tracking technologies can follow you across websites and build a detailed picture of your interests and habits, often without you realizing it....

You have the right to ask Fiverr to show you what data they hold about you, delete it, or give you a copy to take elsewhere, depending on where you live....

Why it matters: These rights give you meaningful control over your personal information and are legally enforceable in the EU, UK, and California....

Fiverr may transfer your personal data to other countries, including the United States, which may have different privacy protections than your home country....

Why it matters: When your data is transferred internationally, it may be subject to weaker privacy laws or government access powers in the destination country....

Fiverr keeps your personal data for as long as needed to run its business or comply with legal requirements, even after you stop using the platform....

Why it matters: Long retention periods mean your data may be stored and potentially accessible for years after you close your account or stop using Fiverr....

California residents have special legal rights including the right to know what data is collected, opt out of its sale or sharing, request deletion, and not be discriminated against for exercising these rights....

Why it matters: California law gives residents some of the strongest consumer privacy rights in the US, and Fiverr is legally required to honor them....

If you're in the EU or EEA, you have the right to access, correct, delete, or restrict the processing of your data, and to object to certain uses including direct marketing....

Why it matters: GDPR gives European users legally enforceable rights over their personal data, and Fiverr must comply or face significant regulatory penalties....

Fiverr uses data about how you use the platform to build a profile of your interests and preferences, which it uses to personalize what you see and the ads you receive....

Why it matters: Profiling can affect what opportunities, services, or prices you're shown on the platform, and raises concerns about fairness and transparency in automated decision-making....

Klarna shares your personal and financial data with credit reference agencies, which means information about how you use Klarna's services — including payment behaviour — can appear on your credit file....

Why it matters: Information shared with credit reference agencies can affect your ability to obtain credit, loans, or mortgages from other lenders, making this one of the most consequential data-sharing provisions in the policy....

Klarna collects data about your browsing behaviour, purchase history, and device activity and uses this to serve you personalised advertisements, including through third-party advertising partners....

Why it matters: Your shopping habits and financial activities are being used to build an advertising profile, which is then shared with external ad networks — meaning your data extends beyond the Klarna ecosystem....

When you use Klarna to pay at a retailer, Klarna shares relevant personal data about you with that merchant, which may include your contact details, transaction information, and certain profile data....

Why it matters: Sharing your personal data with merchants means more parties than just Klarna hold your information, and each merchant's own privacy practices will then govern how they use your data....

Klarna processes some of your personal data based on what they call 'legitimate interests' — meaning they have decided their business reasons for using your data outweigh your privacy interests, without asking for your consent....

Why it matters: When Klarna relies on legitimate interests rather than your consent, you cannot simply withdraw consent to stop processing — you must instead object to the processing, which places the burden on you....

Klarna may transfer your personal data to countries outside the EU or UK, including countries that may not have the same level of data protection laws as your home country....

Why it matters: When your data is transferred internationally, it may be subject to weaker privacy protections or accessed by foreign governments, reducing the level of control you have over your personal information....

You have the right to request a copy of your personal data, ask Klarna to delete your data, or receive your data in a portable format to transfer to another service....

Why it matters: These rights give you meaningful control over your personal information and allow you to limit how long and for what purpose Klarna holds your data....

Klarna uses your personal data to assess fraud risk and may share data with fraud prevention agencies and other financial institutions for this purpose....

Why it matters: Automated fraud risk assessments can affect your ability to use Klarna's services or make purchases, and data shared with fraud prevention networks may persist for extended periods....

Klarna retains your personal data for as long as necessary to provide services and comply with legal obligations, which may mean your data is kept for several years after you stop using Klarna....

Why it matters: Long retention periods mean your financial and personal data remains in Klarna's systems long after you have stopped using the service, increasing the risk of data exposure over time....

California residents have additional rights under state law, including the right to know what personal information Klarna sells or shares, the right to opt out of the sale or sharing of their data, and the right not to be discriminated against for exercising these rights....

Why it matters: California law gives residents stronger privacy rights than federal law, including an explicit right to stop Klarna from selling or sharing your personal data with advertisers and data brokers....

Klarna may use automated systems to make decisions about you — such as whether to approve a purchase or assess your creditworthiness — without a human reviewing the decision....

Why it matters: Automated decisions can affect whether you can use Klarna's services or how much credit you are offered, and you may have the right to request human review of decisions that negatively affect you....

Ledger discloses that in 2020 their e-commerce database was breached, exposing over one million customer email addresses and approximately 272,000 customers' full name, phone number, and postal address....

Why it matters: This breach means your personal contact details may already be in the hands of bad actors, increasing your risk of phishing, fraud, and targeted scams — particularly dangerous for crypto holders....

Ledger shares your personal data with third-party marketing partners and advertising networks to deliver targeted advertising and measure campaign performance....

Why it matters: Your name, email, behavioral data, and purchase history may be shared with companies you have never interacted with, enabling detailed profiling for advertising purposes....

Ledger discloses that transactions conducted on public blockchains are inherently visible to anyone and cannot be deleted or altered, as this is a fundamental characteristic of blockchain technology....

Why it matters: Any crypto transaction you make using a Ledger device is permanently recorded on a public blockchain and linked to your wallet address, which could potentially be traced back to you....

EU and UK users have the right to access, correct, delete, restrict, or port their personal data, and to object to certain types of processing including direct marketing....

Why it matters: These rights give you meaningful control over your personal information held by Ledger, including the ability to request a full copy of your data or ask for it to be deleted....

California residents have additional rights under the California Consumer Privacy Act, including the right to know what personal data is collected and sold, the right to opt out of sale, and the right to non-discrimination for exercising their rights....

Why it matters: If you are a California resident, you have stronger legal rights over your personal data than most US users, including the right to stop Ledger from selling your information....

Ledger relies on 'legitimate interest' as a legal justification for certain data processing activities including analytics, fraud prevention, and some marketing activities, without requiring your explicit consent for these uses....

Why it matters: This means Ledger can process some of your personal data without asking your permission, though you do have the right to object to this type of processing....

Ledger retains personal data for varying periods depending on the purpose, such as retaining customer purchase data for the duration of the legal warranty period and marketing data until you unsubscribe or object....

Why it matters: Your personal data may be held by Ledger for years after your last interaction, and the retention periods differ by data type, meaning some information persists longer than you might expect....

Ledger uses cookies, pixels, and similar tracking technologies on their website and in their app to collect behavioral and usage data, some of which requires your consent while others are used by default....

Why it matters: Tracking technologies allow Ledger and third-party partners to monitor your browsing behavior, device information, and interactions with Ledger's services, potentially building detailed profiles....

Ledger may transfer your personal data outside the European Economic Area to countries that may not have the same level of data protection, relying on mechanisms such as Standard Contractual Clauses to safeguard these transfers....

Why it matters: Your data may be sent to countries with weaker privacy laws, which could reduce your practical ability to enforce your data rights....

Ledger states that its services are not directed at children under the age of 18 and that it does not knowingly collect personal data from minors....

Why it matters: If a minor has used a Ledger account, their data may have been collected without appropriate parental consent, and parents can request deletion of such data....

If you have a dispute with T-Mobile, you must resolve it through private arbitration rather than going to court. A neutral arbitrator decides the outcome instead of a judge or jury....

Why it matters: Arbitration typically favors large companies over individual consumers, limits discovery, and produces awards that are very difficult to appeal. You lose the ability to have your case heard publicly in a court of law....

You agree that you cannot join with other T-Mobile customers to sue the company as a group (a class action). All claims must be brought individually....

Why it matters: Class actions are one of the most effective tools consumers have against large corporations for widespread harms involving small individual amounts. Waiving this right means T-Mobile faces less aggregate legal risk and individual consumers may find it economically impractical to pursue small claims ...

T-Mobile limits what it owes you if something goes wrong to only direct, actual damages — and caps the total amount. T-Mobile is not responsible for indirect losses, lost profits, or consequential damages....

Why it matters: If T-Mobile's service failure causes you significant financial harm — such as a missed business deal due to an outage — you cannot recover those consequential losses, only the direct amount you paid for the service itself....

T-Mobile can change these terms and conditions at any time. If you continue using the service after being notified of changes, you are considered to have accepted the new terms....

Why it matters: You may find that terms you originally agreed to have been changed without your affirmative consent, and simply continuing to use your phone constitutes acceptance of potentially less favorable terms....

T-Mobile collects and may use or share your Customer Proprietary Network Information (CPNI) — which includes details about how you use your phone service — for certain purposes. You have the right to restrict some of this sharing....

Why it matters: CPNI contains sensitive information about your calling patterns, location data tied to network usage, and service details. How this data is used and shared affects your privacy and can be used for targeted marketing or shared with affiliates....

T-Mobile can suspend or cancel your service if you violate the terms, fail to pay your bill, or for other reasons they determine, sometimes without advance notice....

Why it matters: Loss of mobile service can be immediate and severely disruptive, and T-Mobile's broad termination rights mean your service could be cut even in disputed billing situations....

If you finance a device through T-Mobile's installment plan, you agree to make monthly payments for the full cost of the device. Failing to pay can result in service suspension and the device may be locked....

Why it matters: Device financing agreements create a financial obligation separate from your service plan, and defaulting can result in both service loss and a locked device that cannot be used with another carrier....

By applying for T-Mobile service, you authorize T-Mobile to run a credit check on you, which may affect your credit score....

Why it matters: Hard credit inquiries can temporarily lower your credit score and remain on your credit report for up to two years; consumers should be aware that simply applying for a service plan triggers this....

Disputes with T-Mobile are governed by the laws of the State of Washington (or Delaware as an alternative), regardless of where you live....

Why it matters: If a dispute arises, Washington state law applies instead of the laws of your home state, which may offer you stronger consumer protections. This can affect your legal rights....

You agree to protect and reimburse T-Mobile for any legal costs or damages that arise from your use of T-Mobile's services, including claims made by third parties against T-Mobile because of how you use the service....

Why it matters: This clause means you could be financially responsible for T-Mobile's legal fees and damages in situations that arise from your use of the service, including third-party claims, which could expose you to significant unexpected costs....

If you have a dispute with Square, you must resolve it through private arbitration rather than suing them in court. This applies to almost all disputes arising from your use of Square's services....

Why it matters: Arbitration is typically faster but limits your ability to appeal decisions, gather evidence, and obtain certain remedies that courts can provide....

You agree not to join or start any class action lawsuit against Square — all disputes must be handled individually, not as part of a group....

Why it matters: Class actions allow many people harmed by the same practice to join together; waiving this right means each merchant must individually pursue small claims, making it economically impractical to challenge widespread harmful practices....

Square can hold or delay transferring your money to your bank account if they decide there is a risk concern — they do not need to give you advance notice before doing this....

Why it matters: For small businesses, having funds unexpectedly held can be devastating for cash flow, payroll, and day-to-day operations....

Square can change its terms of service and fees at any time, and your continued use of the service means you agree to the new terms even if you didn't explicitly accept them....

Why it matters: Merchants may unknowingly agree to less favorable terms simply by continuing to process payments, without realizing the rules have changed....

Square can suspend or close your account at any time, for almost any reason, including suspicion of policy violations, with little or no advance notice....

Why it matters: Losing access to your payment processing account without warning could immediately halt your ability to accept payments and access your funds....

If someone sues Square because of something you did using their service, you are responsible for paying Square's legal costs and any damages....

Why it matters: This could expose merchants to significant unexpected financial liability if a customer or third party brings legal action related to the merchant's use of Square....

Square limits how much money it can owe you if something goes wrong — typically capping damages at the fees you paid in the past 12 months....

Why it matters: If Square's system fails and causes significant financial harm to your business, you may only be able to recover a fraction of your actual losses....

By using Square, you give Square a license to use your business name, logo, and content for their marketing and promotional purposes....

Why it matters: Square may feature your business in its marketing materials without seeking additional permission, which may conflict with your brand guidelines or exclusivity agreements....

All disputes are governed by California law and must be heard in San Francisco, California, regardless of where your business is located....

Why it matters: If you are a merchant outside California and a dispute goes beyond arbitration, you may need to travel or hire California-licensed attorneys, significantly increasing your costs....