Provisions Index

If YouTube causes you harm, the most you can recover from them is $500 or the revenue they paid you in the past 12 months — whichever is higher....

Why it matters: No matter how significant the damage YouTube causes you — including data loss, service disruption, or content removal — your legal recourse is capped at a very low dollar amount....

You agree to pay YouTube's legal costs and defend them if your use of the service, your content, or your violation of any law or third-party right leads to a legal claim against YouTube....

Why it matters: This clause could expose ordinary users to significant legal and financial costs if their activity on YouTube — including uploaded content — results in lawsuits against the platform....

YouTube can suspend or permanently close your account at its discretion if it believes you have breached the terms, and in many cases it doesn't have to tell you why....

Why it matters: Users can lose access to their YouTube channels, uploaded content, and associated Google services without clear notice or explanation, with limited formal appeal rights....

YouTube operates a three-strike system for copyright violations — accumulating strikes can result in permanent removal of your channel, and you cannot use another channel to get around a restriction....

Why it matters: A series of copyright complaints — even disputed ones — can result in permanent loss of your YouTube channel and all associated content and revenue....

Gemini collects biometric identifiers such as facial scans or fingerprints as part of identity verification processes....

Why it matters: Biometric data is among the most sensitive personal information and, unlike passwords, cannot be changed if compromised — its collection and storage carries heightened risk....

Gemini claims it is a financial institution under the federal Gramm-Leach-Bliley Act, which it says exempts it from many state privacy laws including parts of the CCPA....

Why it matters: This means consumers in states with strong privacy laws (like California) may have fewer rights over their data than they would with non-financial companies, because federal financial privacy rules take precedence....

Gemini shares your personal information with a range of third parties including service providers, business partners, affiliates, financial institutions, and in connection with corporate transactions like mergers....

Why it matters: Your sensitive financial and personal data may flow to many organizations beyond Gemini itself, each with their own privacy practices and security standards, increasing your exposure to potential misuse or breach....

If you have a dispute with Public.com, you must resolve it through private arbitration rather than going to court. You have 30 days from when you open your account to opt out of this requirement....

Why it matters: Arbitration is a private process where an arbitrator (not a judge or jury) decides your case, and decisions are usually final with very limited appeal rights. This removes your ability to use the public court system against Public....

You agree to give up your right to join a class action lawsuit against Public and your right to a jury trial. Any dispute must be handled individually, not as part of a group....

Why it matters: Class actions allow many consumers harmed in the same way to pool resources and take on large companies together. Waiving this right means you must pursue any claim alone, which is often impractical for small financial losses....

Public limits what it can be held financially responsible for if something goes wrong — such as investment losses, platform outages, or errors — often capping damages at the fees you paid in recent months....

Why it matters: If Public's platform has a technical failure that causes you to miss a trade or lose money, the amount you can recover from them is severely limited regardless of the actual harm you suffered....

Public can suspend or close your account at any time, for any reason, including at their sole discretion, with or without notice....

Why it matters: Your access to your investments, trading activity, and account funds could be disrupted if Public decides to suspend or close your account, and they are not required to give you advance notice....

Public.com states that the content and tools on its platform do not constitute investment advice, and you are solely responsible for your own investment decisions....

Why it matters: Even if Public's AI tools, content, or community posts influence your investment decisions, the company disclaims responsibility for any financial losses that result from following that information....

Binance.US may share your personal information with third-party business partners for marketing and promotional purposes, which could result in you receiving targeted advertising from outside companies....

Why it matters: You may not realize your financial and behavioral data is being shared with outside marketing companies when you sign up to trade cryptocurrency....

Binance.US states it may disclose your personal information to government authorities, law enforcement, or regulators without notifying you, including in response to legal process or to comply with applicable laws....

Why it matters: Your sensitive financial and identity data can be handed over to government agencies without your knowledge, which is especially significant for a cryptocurrency platform handling transaction histories....

To use Binance.US, you must provide government-issued ID, proof of address, Social Security Number, and other identity documents as part of the mandatory Know Your Customer (KYC) verification process....

Why it matters: You are required to share highly sensitive personal identity information with Binance.US, and this data is stored and subject to the same sharing and retention practices described in the policy....

X prohibits content that promotes violence or hatred against people based on characteristics like race, religion, gender, or sexual orientation. Violations can result in content removal or account suspension....

Why it matters: This policy affects what users can post and can result in permanent account bans, meaning loss of access to followers, content, and any associated paid features....

X has a zero-tolerance policy for any content that sexually exploits minors, and such content will be reported to the National Center for Missing and Exploited Children (NCMEC) and relevant law enforcement....

Why it matters: This is one of X's strictest policies with automatic reporting obligations to law enforcement, making it critical for all users — especially parents — to understand the platform's child safety framework....

X prohibits the sharing of other people's private information — such as home addresses, phone numbers, or financial details — without their consent, a practice known as doxxing....

Why it matters: Doxxing can lead to real-world harassment and safety threats; this policy provides a basis for victims to report and have such content removed....

X has a specific policy for minor users and provides information for parents about how the platform determines a user's age based on their interactions with the site and what protections apply to users under 18....

Why it matters: Parents and guardians need to understand how X identifies and protects minor users, as the platform's age-inferencing approach may not catch all underage users, leaving children potentially exposed to adult content....

X has a dedicated set of guidelines explaining when and how it shares user data with law enforcement agencies in response to legal requests such as subpoenas, court orders, or emergency requests....

Why it matters: Users should be aware that their data — including private messages, account information, and IP addresses — can be disclosed to government authorities under certain legal conditions without the user's knowledge....

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

Why it matters: Arbitration is a private process that typically favors large companies and limits your ability to appeal decisions or recover legal fees, removing your right to a jury trial....

By agreeing to these Terms, you give up your right to join or lead a class action lawsuit against OpenAI, meaning you can only pursue claims individually....

Why it matters: Class actions allow many people harmed in the same way to sue together, which is often the only economically viable way to pursue small individual claims against a large company....

When you submit content (text, images, etc.) to OpenAI's services, you grant OpenAI a license to use that content to operate, improve, and train its AI models....

Why it matters: Your conversations, prompts, and uploaded content may be used by OpenAI to improve its AI systems, which raises privacy and intellectual property concerns depending on what you share....

OpenAI limits the total amount it can be held financially responsible for to the amount you paid in the past 12 months or a nominal cap, excluding indirect or consequential damages....

Why it matters: Even if OpenAI's services cause you significant harm — financial, reputational, or otherwise — the amount you could recover in a dispute is severely capped....