Provisions Index

California residents have specific rights under state law including the right to know what data is collected, opt out of the sale or sharing of their data, request deletion, and not be discriminated against for exercising these rights....

Why it matters: California has some of the strongest consumer privacy laws in the US, giving residents more control over their personal data held by companies like Roblox....

Roblox monitors all content you post, including chats, forum posts, and audio, to ensure it meets Community Standards, and can modify or remove content that does not comply....

Why it matters: Everything you say or post on Roblox is subject to monitoring and may be removed or altered by Roblox without notice, which affects your experience on the platform....

With your explicit consent, Roblox may use your phone number to recommend you as a friend to others on the platform, displaying you under the name stored in their contacts — which may include your real name....

Why it matters: Enabling this feature could expose your real name to other Roblox users even if you use a pseudonymous username, which has particular safety implications for younger users....

Webull uses cookies and similar tracking technologies to monitor your behavior on its platform and may use this data to serve you targeted advertisements....

Why it matters: Your browsing and investment behavior may be used to profile you for advertising purposes, which many users do not expect from a financial services platform....

California residents have specific rights under CCPA including the right to know what data is collected, the right to delete their data, the right to opt out of data sales, and the right not to be discriminated against for exercising these rights....

Why it matters: California residents have legally enforceable privacy rights against Webull that go beyond what other users are entitled to, including the ability to demand data deletion....

Webull may transfer your personal information to countries outside your home country, including to servers or affiliates located in other jurisdictions that may have different privacy laws....

Why it matters: When your data is transferred internationally, the privacy protections that apply to it may be weaker than those in your home country, reducing your control and legal recourse....

Webull retains your personal information for as long as necessary to provide services, comply with legal obligations, resolve disputes, and enforce its agreements....

Why it matters: Open-ended retention terms mean Webull could hold your sensitive financial and personal data indefinitely, limiting your ability to have it deleted after you close your account....

Webull reserves the right to update or modify this privacy policy at any time, with changes typically communicated by updating the date on the policy or via in-app notification....

Why it matters: Webull can change how your data is used without requiring your active consent, and you may not notice the change unless you regularly check the policy....

When you create or upload content to Roblox, you grant Roblox a broad, worldwide, royalty-free license to use, reproduce, modify, distribute, and display that content....

Why it matters: This means Roblox can use content you create — including games, artwork, or other materials — commercially and globally, without paying you, unless you are in the Developer Exchange (DevEx) program....

Roblox can change these Terms at any time, and for non-material changes, feature updates, or legal changes, the new terms take effect immediately without notice to you....

Why it matters: Your continued use of Roblox after any update to the Terms means you automatically agree to the new terms, even if you were not specifically notified about the change....

Roblox has separate, additional rules for users in the EU/EEA, UK, Japan, China, Vietnam, and Australia that modify or add to the standard Terms....

Why it matters: Users in these regions may have additional rights or different terms compared to the standard agreement, and they should review the applicable appendix to understand their specific rights....

Creators who earn Robux through their games or content may apply to convert Robux to real money through the Developer Exchange (DevEx) program, but participation requires application and approval by Roblox....

Why it matters: While Roblox offers creators a pathway to earn real money, approval is not guaranteed and the exchange rate and program terms are controlled entirely by Roblox....

Webull can change the Terms of Service at any time by posting updated terms on their website or notifying you by email, and your continued use of the platform counts as acceptance....

Why it matters: You may not notice changes to key provisions — including arbitration or fee terms — and will be bound by them simply by continuing to use the app....

All content on Webull's platform — including data, software, logos, and market information — belongs to Webull or its licensors, and you cannot copy, distribute, or commercially use it....

Why it matters: Users who download or share market data, screenshots, or platform content for commercial purposes could face legal claims from Webull for intellectual property infringement....

By creating an account, you agree to receive all notices, agreements, and disclosures from Webull electronically rather than by paper mail....

Why it matters: Important legal and financial notices — including changes to your account terms or required regulatory disclosures — will only be sent electronically, so you must monitor your email and the app regularly....

Webull explicitly states that investing in securities involves significant risk of loss and that past performance does not guarantee future results — and takes no responsibility for your investment decisions....

Why it matters: Webull makes no representations about the suitability of any investment for your personal financial situation, meaning users should not rely on the platform for personalized financial advice....

Any legal disputes with Webull are governed by the laws of a specific state (typically New York or the state of Webull's incorporation), regardless of where you live....

Why it matters: This means consumer protection laws in your home state may not apply to your dispute with Webull, potentially limiting rights available to you under local law....

California residents have the right to know what personal data is collected, request deletion, and opt out of the sale or sharing of their personal information....

Why it matters: California law gives you meaningful control over your personal data held by Public.com, including the right to stop your data from being sold or shared with third parties....

Public.com uses third-party tracking tools such as Google Tag Manager and Singular to monitor your behavior on their website and app, collecting data on how you use the platform....

Why it matters: These trackers collect behavioral data that may be shared with Google and other companies, expanding the footprint of data collection beyond Public.com itself....

Public.com retains your personal data for as long as necessary for business purposes or as required by law, and users may request deletion of their data subject to certain exceptions....

Why it matters: Understanding how long your data is kept and under what circumstances you can have it deleted is important for managing your privacy over time....

When you close your Public.com account, the company may continue to retain your personal and financial data as required by law or for legitimate business purposes....

Why it matters: Closing your account does not necessarily mean your data is immediately deleted, which means your information may continue to be used or retained indefinitely....

If you allow your child to use YouTube, you — as the parent or guardian — are personally responsible for your child's actions on the platform and bound by the full terms of service....

Why it matters: Parents who enable their children's YouTube access accept legal and financial responsibility for any violations the child commits, including content copyright issues or community guideline breaches....

Any legal dispute with YouTube must be brought in California courts under California law, regardless of where you live in the world....

Why it matters: If you need to sue YouTube, you may have to do so in California — a significant practical and financial barrier for most users, especially those outside the US....

YouTube makes no promises about the quality, reliability, or availability of the platform or any content on it — you use the service entirely at your own risk....

Why it matters: If the platform fails, content disappears, or the service is unavailable, YouTube has no legal obligation to compensate you or guarantee any level of service....

YouTube can change these terms at any time and will usually give you advance notice, but if you don't agree with the new terms, your only option is to stop using the service and remove your content....

Why it matters: YouTube can alter the rules governing your content and account at any time, and continued use of the platform after changes constitutes your acceptance of the new terms....

Gemini reserves the right to change its Privacy Policy at any time at its sole discretion, with the latest version always posted on its website....

Why it matters: Gemini can change how it collects and uses your data at any time without requiring your explicit re-consent, meaning protections you relied on today may not apply tomorrow....

Gemini transfers personal data internationally, including from the EU and UK to the United States, using Standard Contractual Clauses (SCCs) as the legal mechanism....

Why it matters: EU and UK users' data is sent to the US, where privacy protections differ significantly, and the adequacy of SCCs as a transfer mechanism continues to be subject to legal challenge....

Gemini may share your personal information with law enforcement, regulators, and government agencies when required by law or when Gemini believes disclosure is necessary....

Why it matters: Your transaction history, identity information, and account activity could be disclosed to government authorities without your knowledge or consent, which is especially significant given the sensitive nature of cryptocurrency activity....

Gemini uses cookies, pixel tags, and similar tracking technologies to collect data about how you use its website and apps, including for advertising and analytics purposes....

Why it matters: Behavioral tracking data is used to build a profile of your activity on Gemini's platform and may be shared with advertising partners, affecting your privacy beyond basic account use....

Gemini retains your personal information for as long as your account is active or as long as needed to provide services, comply with legal obligations, resolve disputes, and enforce agreements....

Why it matters: Your data may be kept for many years after you close your account due to regulatory and legal requirements, meaning deletion requests may not result in full erasure....

Gemini's services are not directed at individuals under 18, and anyone under 18 should stop using the service and not provide personal information....

Why it matters: If a minor has been using Gemini, their personal and financial data may have been collected without appropriate parental consent, and parents should take immediate steps to close such accounts and request data deletion....

Depending on where you live, you may have rights to access, correct, delete, or port your personal data, and to opt out of certain data uses including direct marketing....

Why it matters: Your ability to control your data depends heavily on your jurisdiction — users in the EU, UK, and some US states have stronger rights than others, and Gemini's GLBA exemption may limit rights for US financial account data....

You agree to pay Public's legal costs and damages if a third party sues Public because of something you did on the platform, including content you posted or how you used the service....

Why it matters: This means that if your actions on Public.com — even unintentionally — cause the company legal trouble, you could be personally responsible for their legal fees and any resulting financial losses....

When you post content on Public.com — such as comments, investment ideas, or profile information — you grant Public a broad, worldwide license to use, reproduce, and distribute that content....

Why it matters: Your posts and contributions to the platform can be used by Public for commercial purposes, including in marketing or AI training, without additional compensation to you....

Any legal disputes with Public.com are governed by the laws of a specific state (typically New York or Delaware) regardless of where you live....

Why it matters: Even if you live in California or another state with strong consumer protection laws, those local protections may not apply to your dispute with Public because the agreement specifies a different state's law governs....

Public can change these Terms of Service at any time, and your continued use of the platform after changes are posted counts as your agreement to the new terms....

Why it matters: You may not receive direct notification when important terms change, and simply continuing to use the app — even without reading the new terms — is treated as legally binding acceptance....

Even if you close your Binance.US account, the company retains your personal and financial data for extended periods to comply with anti-money laundering (AML) and know-your-customer (KYC) regulations....

Why it matters: Closing your account does not mean your data is deleted — Binance.US keeps it for regulatory compliance, which limits your ability to fully erase your digital footprint....

If you live in California, you have the right to know what personal data Binance.US has collected about you, request deletion of that data, and opt out of the sale or sharing of your information....

Why it matters: California residents have specific legal rights over their data under state law, including the right to stop Binance.US from selling or sharing their information with third parties....

Binance.US uses cookies, web beacons, and similar tracking tools to monitor your behavior on their platform and website, including for analytics, advertising, and personalization purposes....

Why it matters: Your browsing activity and behavioral data are continuously collected even when you are not actively trading, and this information may be used to build a profile for advertising....

Binance.US may transfer your personal data to servers or affiliates located outside the United States, where privacy protections may differ from those in your home state....

Why it matters: If your data is sent to other countries, it may be subject to different and potentially weaker privacy laws, and you may have fewer legal remedies if something goes wrong....

Binance.US may share your personal information with its related companies and affiliates, which could include entities outside the direct Binance.US platform....

Why it matters: Sharing your data with affiliated companies expands the number of entities that have access to your sensitive financial and identity information beyond just the platform you signed up for....

Gemini uses two different versions of its User Agreement depending on which U.S. state you live in — one for residents of ID, LA, NY, OH, and TX, and another for everyone else....

Why it matters: Your legal rights, dispute resolution options, and consumer protections may differ materially depending on which state agreement applies to you....

Gemini defines your 'state of residence' as the address you have on file in your Gemini account profile, not necessarily where you currently live....

Why it matters: If your account address is outdated or incorrect, you may be subject to the wrong agreement version, potentially affecting your legal rights and protections....

The User Agreement landing page addresses U.S. residents only, with separate agreement links for international users in the UK, Singapore, Australia, and other regions via language/locale-specific URLs....

Why it matters: Users outside the U.S. are governed by entirely separate agreements that may provide different rights, particularly under GDPR for EU/UK residents....

Gemini's site uses cookies and tracking technologies, with different consent models for U.S. users (opt-out) versus EEA/UK users (opt-in), as revealed in the page's consent management script....

Why it matters: U.S. users are tracked by default unless they actively opt out, while EU/UK users must affirmatively consent before tracking begins....