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Samsung
· Samsung Privacy Policy
The policy discloses that Samsung Health and connected devices collect detailed health and fitness metrics including heart rate, sleep patterns, menstrual cycle data, stress levels, and blood oxygen levels....
Why it matters: This provision identifies collection of health metrics that, while not covered by HIPAA in a consumer app context, are classified as sensitive personal information under CCPA/CPRA and subject to FTC guidance on health data. Menstrual cycle and reproductive health data have received specific regulatory and legislative attention since 2022....
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Samsung
· Samsung Privacy Policy
The policy discloses that Samsung collects voice commands and audio recordings when users interact with voice-enabled features including Bixby and other voice assistants....
Why it matters: Voice recordings may constitute biometric voice prints under applicable state biometric privacy laws and are classified as sensitive personal information under CCPA/CPRA. The policy's disclosure that voice data is collected through the Bixby voice assistant creates specific obligations regarding consent, retention, and third-party processing....
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Redfin
· Redfin Terms of Use
The agreement requires that disputes between users and Redfin be resolved through binding individual arbitration rather than court litigation, subject to an opt-out procedure described in Section 2.13.9, and applies where permitted by applicable law....
Why it matters: This provision requires disputes to proceed through individual arbitration under AAA Consumer Arbitration Rules, which determines the procedural forum available to users with claims against Redfin. The clause includes a qualifying phrase limiting application to jurisdictions where predispute arbitration is permitted, which acknowledges that enforceability may vary by jurisdiction....
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Redfin
· Redfin Terms of Use
The agreement includes a class action waiver, the full terms of which are set forth in Section 2.13.9.2, preventing users from bringing or participating in class or collective actions against Redfin....
Why it matters: This provision, as referenced in the Terms, establishes that users cannot pursue consolidated or representative claims against Redfin. The specific language and scope of the waiver is contained in Section 2.13.9.2, which was not fully reproduced in the available document text....
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Verizon
· Verizon Privacy Policy
Verizon enrolls customers by default in the Custom Experience and Custom Experience Plus programs, which use network-level browsing history and app usage data to build advertising profiles used for targeted marketing across Verizon business lines. Customers must actively opt out to exit these programs....
Why it matters: This provision establishes a default opt-in enrollment for a program that uses network-level data, including URLs visited and app usage, for advertising profiling. Under FCC CPNI rules, telecommunications carriers have historically been subject to restrictions on using certain network usage data for marketing without affirmative customer consent, and this default enrollment structure may require evaluation against those requirements....
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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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Verizon
· Verizon Privacy Policy
The policy authorizes Verizon to collect call detail records, URLs of websites visited, video streaming activity, app usage, and data transmitted through its network, and to use this information to develop advertising products and deliver marketing communications....
Why it matters: This provision authorizes collection and advertising use of telecommunications network data, including call records and browsing activity at the network layer, which is subject to FCC CPNI obligations as well as general consumer privacy frameworks. The combination of network-layer data collection with advertising product development is operationally distinct from data practices of non-carrier companies....
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Verizon
· Verizon Privacy Policy
The policy states that Verizon collects precise location information derived from GPS, Wi-Fi, Bluetooth signals, and cell tower proximity data, and uses and shares this information as described across the policy's data use and sharing provisions....
Why it matters: This provision authorizes collection of multiple categories of precise location data, including GPS coordinates and cell tower proximity, and its combination with other data types enables detailed location profiling. Under CPRA, precise geolocation is classified as sensitive personal information subject to opt-out rights....
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Verizon
· Verizon Privacy Policy
The policy authorizes Verizon to share customer information with vendors and business partners providing billing, payment, analytics, security, marketing, and advertising services, which may include device identifiers, browsing data, and location information....
Why it matters: This provision establishes that customer data including browsing activity, location, and device identifiers may be shared with marketing and advertising partners, with the breadth of sharing categories creating exposure under CCPA and CPRA definitions of 'sale' or 'sharing' for cross-context behavioral advertising....
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ElevenLabs
· ElevenLabs Safety Policy
The document states that users are prohibited from using ElevenLabs' voice cloning features to replicate another person's voice unless they have obtained that person's authorization. This applies to voice models that mimic real, identifiable individuals....
Why it matters: This provision establishes a contractual consent obligation for all voice cloning activities on the platform. Under this clause, users who clone third-party voices without authorization are in breach of the stated terms and may be subject to account enforcement actions including suspension....
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ElevenLabs
· ElevenLabs Safety Policy
The document states that generating audio content that sexually exploits, depicts, or promotes the sexual abuse of minors is absolutely prohibited on the platform. This prohibition applies to all users and all use cases....
Why it matters: This provision establishes a categorical prohibition on generating child sexual abuse material (CSAM) or equivalent audio content, consistent with legal obligations under federal law. Violations of this provision are subject to account termination and potential referral consistent with applicable legal requirements....
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ElevenLabs
· ElevenLabs Safety Policy
The document prohibits using ElevenLabs' audio generation capabilities to produce non-consensual intimate audio content, including material designed to harass or harm identifiable individuals. This restriction applies regardless of whether the content uses real or synthesized voices....
Why it matters: This provision addresses a recognized harm category associated with AI audio synthesis, specifically the creation of intimate or degrading audio content depicting real individuals without their consent. Under this clause, such use cases are prohibited and subject to platform enforcement....
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ElevenLabs
· ElevenLabs Safety Policy
The document prohibits using ElevenLabs' voice synthesis capabilities to impersonate individuals for fraudulent or deceptive purposes, including creating audio designed to mislead or manipulate through false identity. This restriction applies to all users and all generated content....
Why it matters: This provision addresses a primary misuse vector for AI voice synthesis technology, specifically fraud and impersonation enabled by synthetic voice generation. Under this clause, users who generate content for fraudulent impersonation purposes are in breach of the stated terms and subject to enforcement action....
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Miro
· Miro Privacy Policy
The policy distinguishes between Miro's role as a data controller for account, registration, and usage data, and its role as a data processor for content uploaded by enterprise customers to boards, with the latter governed by the Customer Data Processing Addendum....
Why it matters: This provision establishes two distinct legal frameworks governing different categories of data, requiring enterprise customers to manage compliance obligations under both the privacy policy (for controller-level data) and the DPA (for processor-level board content)....
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Together AI
· Together AI Terms of Service
The agreement requires disputes between users and Together AI to be resolved through binding individual arbitration rather than court litigation, with a limited exception for small claims court....
Why it matters: This provision requires users to resolve disputes through individual arbitration proceedings rather than civil court litigation. The clause also includes a class action waiver, which means users agree not to bring or participate in class or collective actions against Together AI....
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Together AI
· Together AI Terms of Service
The agreement requires that all disputes be resolved on an individual basis only, and users agree not to bring or participate in class actions, private attorney general actions, or any representative proceeding against Together AI....
Why it matters: This provision requires that any claims against Together AI proceed on an individual basis only. The terms prohibit users from initiating or joining class actions, private attorney general actions, or other representative proceedings....
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Bumble
· Bumble Terms and Conditions
US users are required to resolve disputes with Bumble through binding individual arbitration rather than court litigation, and the terms include a class action waiver. Users may opt out of this clause by notifying Bumble in writing within 30 days of account creation....
Why it matters: This provision requires that disputes between US users and Bumble proceed through individual binding arbitration rather than court proceedings, and precludes participation in class or collective actions. The opt-out window is stated as 30 days from account creation, after which the arbitration obligation applies as written....
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Bumble
· Bumble Terms and Conditions
Uploading any content to Bumble automatically grants the company a perpetual, royalty-free, worldwide license to use that content in a broad range of ways, including editing, adapting, creating derivative works, advertising, and distributing it, in any current or future format. This license may be assigned or sub-licensed to Bumble's affiliates and successors without additional user consent....
Why it matters: This provision establishes a broad content license that is perpetual in duration and worldwide in geographic scope, covering derivative works creation, advertising use, and distribution in any format or medium currently known or developed in the future. The sub-licensing right to affiliates and successors without further approval by the user is an operationally significant aspect of this clause....
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Bumble
· Bumble Terms and Conditions
Bumble reserves the right to terminate or suspend user accounts without prior notice for violations of the Terms, offline conduct, conduct on affiliated apps, or any other reason deemed sufficient at its sole discretion. Terminated users are not entitled to refunds for prepaid services....
Why it matters: This provision reserves account termination authority based on conduct occurring outside the Bumble platform, including on affiliated apps and in offline contexts, subject to sole discretion determination. The no-refund provision for terminated accounts means that prepaid subscription fees are forfeited upon termination regardless of the reason....
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TikTok Ads
· TikTok Industry-Specific Ad Policies
The policy requires advertisers in specified regulated categories to obtain prior written approval from TikTok before launching campaigns, with eligibility and approval criteria varying by category and jurisdiction....
Why it matters: This provision creates an operational dependency on TikTok's internal approval process for advertisers in regulated industries, directly affecting campaign launch timelines. Campaigns submitted without prior approval in restricted categories are subject to rejection, and the policy establishes this as a condition of platform access rather than a procedural recommendation....
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TikTok Ads
· TikTok Industry-Specific Ad Policies
The policy authorizes TikTok to reject individual ads, remove live campaigns, or suspend advertiser accounts for policy violations, with enforcement actions taken at TikTok's discretion and without a mandatory prior notice requirement....
Why it matters: This provision establishes the enforcement mechanism governing all advertisers on the platform. The absence of a mandatory prior notice requirement means that account suspension may interrupt live campaigns and associated business operations without advance warning, which is operationally significant for advertisers with time-sensitive or budget-committed campaigns....
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TikTok Ads
· TikTok Industry-Specific Ad Policies
The policy prohibits advertisers from targeting users under 18 with ads for age-restricted products and from using minors in ad creatives in exploitative or inappropriate contexts, with compliance responsibility placed on the advertiser....
Why it matters: This provision places the burden of age-targeting compliance on the advertiser, including appropriate use of TikTok's targeting tools to exclude underage users from age-restricted campaigns. Given TikTok's user demographics, which include a significant proportion of users under 18, this clause carries heightened operational and regulatory significance....
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Gusto
· Gusto Terms of Service
Section 24 of the Employer Terms requires all disputes between Employer and Gusto to be resolved through final, binding individual arbitration, and the Employer waives the right to bring or participate in class action lawsuits or jury trials....
Why it matters: This provision requires disputes to proceed through individual binding arbitration rather than court proceedings, and precludes class action participation. The terms provide a 30-day opt-out window from first acceptance, after which the arbitration obligation applies to ongoing use of the platform....
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Gusto
· Gusto Terms of Service
The agreement holds Employers financially and operationally responsible for all account transactions and actions, including those the Employer did not know about or explicitly authorize, extending to actions taken by anyone Gusto reasonably believes to be an Administrator....
Why it matters: This provision establishes that Employer liability attaches to all account activity regardless of actual knowledge or authorization, including instructions provided orally by phone. This scope of liability is operationally significant for businesses with multiple administrators or third-party accountant access to the Employer Account....
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Gusto
· Gusto Terms of Service
The agreement states that Gusto's total cumulative liability to Employer for any claims arising under or related to the agreement is capped at fees paid by Employer to Gusto in the twelve months preceding the claim, based on standard provisions referenced throughout the document and consistent with the 12-month fee cap structure described in the incorporated service terms....
Why it matters: A 12-month fee-based liability cap limits the total financial exposure Gusto accepts for platform failures, payroll errors, or service disruptions to the amount the Employer paid for services in the prior year, regardless of actual damages incurred, which is operationally significant for businesses processing large payrolls....
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eBay
· eBay User Agreement
The agreement requires US users to resolve most disputes against eBay or related third parties through binding individual arbitration rather than court proceedings, and prohibits participation as a plaintiff or class member in any class or representative action. Users who do not opt out within 30 days waive the right to jury trial and class proceedings....
Why it matters: This provision establishes the procedural framework for all dispute resolution between US users and eBay, requiring individual arbitration as the exclusive remedy for most claims and foreclosing class or representative proceedings for users who do not timely opt out. The 30-day opt-out deadline creates a time-sensitive compliance trigger for users and organizations seeking to preserve court-based dispute options....
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eBay
· eBay User Agreement
The agreement authorizes eBay to place holds on seller funds based on assessments of risk, policy violations, anticipated disputes, anticipated chargebacks, or legal compliance requirements, and permits funds to be held in pooled or separate accounts during the hold period....
Why it matters: This provision grants eBay discretionary authority to withhold seller proceeds under broadly defined conditions including anticipated disputes and risk assessments, without specifying a maximum hold duration in all circumstances. This creates operational payment timing uncertainty for sellers, particularly high-volume merchants relying on proceeds for working capital....
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Brex
· Brex Privacy Policy
The policy authorizes Brex to share personal information with advertising and analytics vendors for targeted advertising and campaign measurement, and discloses that this sharing may qualify as a sale or sharing under CCPA/CPRA, triggering opt-out rights for California residents....
Why it matters: This provision creates a CCPA/CPRA opt-out obligation and requires Brex to provide and honor a 'Do Not Sell or Share My Personal Information' mechanism; failure to do so creates enforcement exposure with the California Privacy Protection Agency....
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Brex
· Brex Privacy Policy
The policy discloses collection of bank account numbers, payment card data, transaction history, and credit information in connection with Brex's financial services products, engaging financial privacy obligations under GLBA in addition to general privacy frameworks....
Why it matters: Collection and processing of financial account numbers and credit information in the context of financial services products engages Gramm-Leach-Bliley Act obligations for privacy notices and information security safeguards, in addition to the general privacy policy disclosures....
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PayPal
· PayPal Acceptable Use Policy
This provision lists specific categories of transactions that PayPal users are prohibited from conducting through the platform, including transactions involving controlled substances, hate content, stolen goods, obscene materials, intellectual property infringement, certain weapons, and firearms. The list also prohibits pyramid schemes, bribery, currency exchange businesses, and sales of fraudulent products identified by government agencies....
Why it matters: This provision defines the categorical boundaries of permissible PayPal use and, under the AUP's enforcement clause, any transaction in these categories constitutes a violation of the PayPal User Agreement. The breadth of the prohibited list, particularly the inclusion of 'items that are considered obscene' and 'certain sexually oriented materials or services' without precise definitional thresholds, creates interpretive ambiguity for content-adjacent businesses....
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PayPal
· PayPal Acceptable Use Policy
This provision establishes that any violation of the AUP is automatically treated as a violation of the broader PayPal User Agreement, and that users bear independent legal compliance responsibility for all PayPal-related activities. This linkage means AUP violations trigger the User Agreement's enforcement mechanisms, which may include account restriction or termination....
Why it matters: This clause establishes a direct enforcement bridge between the AUP and the User Agreement, meaning AUP infractions do not require a separate contractual basis for PayPal to act; they automatically constitute a User Agreement breach. The independent legal compliance obligation placed on users is stated without limitation to PayPal's own conduct or facilitation role....
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PayPal
· PayPal Acceptable Use Policy
This provision establishes that businesses operating in any of 18 enumerated categories must obtain PayPal's prior approval before accepting payments through the platform. The 18 categories include transportation, charities, high-value item dealers, payment facilitators, investments, gambling, cryptocurrency, prescription items, telemedicine, mature audience content, online dating, live streaming, file-sharing, alcohol, tobacco, medical items or services, multilevel marketing organizations, and marketplaces....
Why it matters: This provision creates a platform access gatekeeping mechanism for 18 business categories, under which businesses operating in these sectors without pre-approval are simultaneously in violation of the AUP and the User Agreement. The breadth of the pre-approval list, encompassing sectors from cryptocurrency to charitable donation collection to online dating, is operationally significant for businesses that may not self-identify as requiring approval....
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PayPal
· PayPal Acceptable Use Policy
This provision prohibits using PayPal to collect payments on behalf of merchants in a payment processor or payment facilitator capacity without pre-approval, as the payment facilitator category is separately listed in the pre-approval table. This restriction affects embedded finance providers, white-label payment operators, and marketplace payment aggregators....
Why it matters: This clause, read together with the pre-approval requirement for 'payment facilitator' services including money services businesses, electronic money institutions, stored value cards, and escrow services, effectively prohibits sub-merchant payment aggregation through PayPal without prior authorization. This is operationally significant for SaaS platforms, marketplaces, and fintech operators that use PayPal as an underlying payment rail while collecting on behalf of sellers or service providers....
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Udemy
· Udemy Privacy Policy
The policy authorizes sharing of user personal data including identifiers, device information, and behavioral data with advertising partners, analytics providers, and other third-party service providers for purposes including targeted advertising and platform analytics....
Why it matters: This provision establishes the third-party data sharing relationships that determine how user behavioral and learning data flows beyond the Udemy platform, with direct implications for advertising targeting and cross-context behavioral advertising opt-out obligations under CCPA and CPRA....
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Coursera
· Coursera Terms of Use
The agreement requires US users to resolve disputes with Coursera through individual binding arbitration rather than court proceedings, and includes a waiver of the right to participate in class, collective, or representative actions. Users may opt out of this arbitration requirement by providing written notice to Coursera within 30 days of first becoming subject to the agreement....
Why it matters: This provision requires that most disputes proceed through individual arbitration, and the class action waiver prevents users from joining collective proceedings against Coursera. The 30-day opt-out window is a material procedural deadline that, if missed, results in the arbitration clause applying as written for the duration of the user's engagement with the platform....
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Coinbase
· Coinbase User Agreement
This provision requires users and Coinbase to resolve virtually all disputes through binding individual arbitration rather than through court litigation, with a limited carve-out for intellectual property injunctive relief....
Why it matters: This provision requires disputes to proceed through individual arbitration, which affects the procedural forum available to users for resolving claims against Coinbase, including claims related to fees, unauthorized transactions, account suspensions, and service failures....
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Coinbase
· Coinbase User Agreement
This provision states that users waive the right to participate in class action lawsuits or representative proceedings against Coinbase, limiting claims to individual capacity only....
Why it matters: Under this clause, users are contractually precluded from joining or initiating class action litigation against Coinbase, which affects the practical feasibility of pursuing smaller-value claims that may only be economical in aggregate....
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Coinbase
· Coinbase User Agreement
The agreement discloses that if Coinbase enters bankruptcy, user digital assets held in Coinbase's custody may be treated as part of the bankruptcy estate, and users may have the status of general unsecured creditors rather than having priority or direct ownership claims to those assets....
Why it matters: This provision discloses a material custodial risk: users holding digital assets on the Coinbase platform may not have segregated asset protection in a Coinbase insolvency, which could result in partial or total loss of those assets in a bankruptcy proceeding....
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Coinbase
· Coinbase User Agreement
This provision authorizes Coinbase to suspend or terminate user accounts and discontinue services at any time, with or without prior notice, at its sole discretion, and without liability to the user....
Why it matters: This clause establishes that Coinbase retains broad operational authority to restrict or terminate account access, which may affect users' ability to access, withdraw, or transfer digital assets during the period of suspension or termination....
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Coinbase
· Coinbase User Agreement
The agreement authorizes Coinbase to stake eligible digital assets on behalf of users, states that staked assets may be illiquid for a period, discloses that staking rewards are not guaranteed and may change, and states that Coinbase may charge a commission on any staking rewards earned....
Why it matters: This provision establishes that participation in Coinbase staking services authorizes asset lockup for unspecified periods, that rewards are not guaranteed, and that Coinbase takes a commission from any rewards generated, which affects both asset liquidity and effective yield calculations....
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Perplexity AI
· Perplexity AI Terms of Service
The agreement requires users to resolve most disputes with Perplexity through individual binding arbitration rather than court proceedings, and users waive the right to bring or participate in class action lawsuits or class-wide arbitration....
Why it matters: This provision requires that disputes between users and Perplexity proceed through individual arbitration administered under AAA rules, precluding class-wide judicial or arbitral proceedings. The clause includes a 30-day opt-out window from first acceptance, which is the operative mechanism for users who wish to preserve court access....
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Leonardo AI
· Leonardo AI Terms of Service
The agreement grants Leonardo AI a worldwide, royalty-free, sublicensable license to use, reproduce, modify, distribute, and publish content users submit or generate through the platform across any current or future media, including for service promotion and syndication to third parties....
Why it matters: This provision establishes a broad license that covers both user-uploaded content and AI-generated outputs, and extends to sublicensing to third parties for syndication, distribution, and promotional purposes. The scope of permitted uses, including AI model improvement, engages data protection and intellectual property considerations across multiple jurisdictions....
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Leonardo AI
· Leonardo AI Terms of Service
The agreement authorizes Leonardo AI to terminate or suspend any user account immediately, without prior notice or liability, for any reason at its sole discretion, including but not limited to a breach of the Terms....
Why it matters: This provision establishes that Leonardo AI may suspend or terminate accounts without advance notice, which has direct operational consequences for users who rely on the platform for commercial creative workflows, including those with active paid subscriptions. The absence of a stated appeals or review mechanism is operationally significant for business users....
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Perplexity AI
· Perplexity Terms of Service
Users grant Perplexity a worldwide, royalty-free, sublicensable license to use, reproduce, modify, adapt, publish, transmit, and distribute any content submitted to the platform through any media or distribution method, including those not yet developed. This license permits Perplexity to make submitted content available to third parties....
Why it matters: This provision authorizes Perplexity to use, adapt, and sublicense user-submitted content across current and future distribution channels. Organizations submitting proprietary, confidential, or commercially sensitive content through the platform should assess whether this license grant is compatible with their IP ownership and confidentiality obligations....
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Perplexity AI
· Perplexity Terms of Service
The agreement requires that disputes between users and Perplexity be resolved through binding individual arbitration rather than court proceedings, with a limited exception permitting either party to seek injunctive relief for intellectual property claims in court....
Why it matters: This provision requires disputes to proceed through individual arbitration, which determines the forum and procedural rules for resolving any claim arising from use of the platform. The clause limits the available dispute resolution mechanisms for users outside the IP injunction exception....
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Perplexity AI
· Perplexity Terms of Service
The agreement prohibits users from bringing or participating in class action, class arbitration, or representative proceedings against Perplexity, requiring that any claim be brought solely on an individual basis....
Why it matters: This provision establishes that users cannot consolidate claims with other users or participate as a class member in any proceeding against Perplexity. The provision operates in conjunction with the mandatory arbitration clause and collectively channels all user disputes to individual arbitration....
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Perplexity AI
· Perplexity Terms of Service
The agreement disclaims Perplexity's liability for indirect, incidental, consequential, punitive, and other specified categories of damages, and caps total liability at either one hundred dollars or the amount paid in the prior twelve months, whichever is greater....
Why it matters: This provision sets a financial ceiling on Perplexity's aggregate liability to users, with a minimum cap of one hundred dollars applicable to free-tier users. The disclaimer of consequential and indirect damages limits recovery for losses resulting from platform unavailability, AI output errors, or data loss....
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Perplexity AI
· Perplexity Terms of Service
The agreement disclaims all warranties, express or implied, for the platform and its outputs, and explicitly states that AI-generated content may be inaccurate, incomplete, outdated, or unsuitable for the user's purposes. No warranty of fitness for a particular purpose or non-infringement is provided....
Why it matters: This provision explicitly states that AI-generated outputs are not warranted for accuracy, completeness, or fitness for any specific use, which has direct operational implications for users or organizations relying on Perplexity outputs in professional, regulated, or high-stakes contexts. The disclaimer applies to the full scope of platform outputs....
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Target
· Target Privacy Policy
The policy states that Target collects biometric information, specifically face geometry scans, when consumers use the virtual beauty try-on feature on Target's digital platforms....
Why it matters: This provision requires compliance with state biometric privacy statutes including the Illinois Biometric Information Privacy Act (BIPA), the Texas Capture or Use of Biometric Identifier Act (CUBI), and Washington's biometric privacy law, each of which imposes specific written consent, retention schedule, and destruction obligations prior to and following collection of biometric identifiers....
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Target
· Target Privacy Policy
The policy states that Target shares personal information including identifiers, browsing activity, and purchase history with advertising and social media companies, and acknowledges this activity may constitute a 'sale' or 'sharing' under state privacy laws, with an opt-out right provided....
Why it matters: This provision triggers opt-out rights under CCPA/CPRA and analogous statutes in Colorado, Connecticut, Virginia, Texas, and other states; the terms require Target to process opt-out requests within 15 business days under CPRA and to honor Global Privacy Control signals, creating ongoing operational compliance obligations....
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Stripe
· Stripe Acceptable Use Policy
The policy prohibits use of End User Services in any manner that violates prohibitions imposed by relevant sanctions authorities, encompassing both the user's own conduct and use they permit by others....
Why it matters: This provision requires users to independently comply with sanctions programs administered by relevant authorities, including OFAC in the United States, and equivalent bodies in other jurisdictions, as a condition of using End User Services....