Provisions index

The policy states that when users connect to third-party integrated partners through Meta Products, those partners receive information about the user and their activity, and that integrated partners may always access publicly available information on Meta Products regardless of whether a user has explicitly connected with them....

Why it matters: This provision establishes that integrated partners have ongoing access to public profile and content data, and that users who connect to integrated partners share additional activity and profile information with those partners. The scope of information shared with integrated partners and how those partners handle it is governed by their own terms and policies rather than Meta's policy alone....

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Bank of America reserves the right to change, add, delete, or amend any account terms, fees, services, or conditions in this schedule at any time, and may also convert or discontinue existing accounts or services....

Why it matters: This provision establishes a broad contractual reservation of authority to modify fee structures, account terms, and available services without specifying a notice period or consumer consent requirement, though applicable law, including Regulation DD and state-specific deposit account statutes, may independently require advance notice for certain types of changes....

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Bank of America states that interest rates on variable-rate deposit accounts may be changed at the bank's discretion at any time, without a specified upper or lower limit and without advance notice to the account holder....

Why it matters: This provision asserts that the bank may adjust variable interest rates on deposit accounts without prior notice and without a stated floor or ceiling, which is a standard feature of variable-rate deposit products but may interact with Regulation DD change-in-terms disclosure requirements depending on how the rate change is characterized....

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The Advantage SafeBalance Banking for Family Banking account prohibits incoming transfers from non-Bank of America accounts, including ACH deposits, Zelle transfers, and employer direct deposits; the account agreement states that the account owner affirmatively authorizes Bank of America to treat such transfers as unauthorized and to reject them at the bank's discretion....

Why it matters: This provision establishes a structural restriction on incoming fund flows to the Family Banking account that is operationally distinct from standard personal checking accounts; the explicit characterization of external transfers as 'unauthorized' by the account owner's agreement may have implications under Regulation E, which governs consumer rights for unauthorized electronic fund transfers....

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BofA Rewards enrollment and tier benefits may be terminated or downgraded without further notice if, following an Annual Review, the account holder fails to meet qualifying checking account or minimum average balance requirements within a grace period of not less than three months....

Why it matters: This provision establishes that fee waivers, ATM fee refunds, overdraft fee waivers, and other BofA Rewards benefits linked to tier status may be discontinued or reduced immediately without additional notice at the conclusion of the grace period, affecting the ongoing operational cost structure for enrolled customers who rely on tier-based fee waivers....

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The agreement requires users and OpenAI to resolve all disputes through final and binding arbitration administered by NAM, covering claims regardless of when they arose. Users may opt out of arbitration by submitting a designated form within 30 days of account creation or within 30 days of any arbitration term update taking effect....

Why it matters: This provision establishes that disputes proceed through individual arbitration under NAM rules rather than through court litigation, with the Federal Arbitration Act governing enforcement. The 30-day opt-out window from account creation or from any arbitration update is the operative mechanism for users who wish to preserve court-based dispute resolution....

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The agreement limits OpenAI's aggregate liability to the greater of amounts paid by the user for the relevant service in the 12 months preceding the claim or $100. Indirect, incidental, special, consequential, and exemplary damages are excluded entirely....

Why it matters: This provision establishes a $100 floor on aggregate liability for free-tier users and a 12-month payment lookback cap for paid subscribers. The exclusion of consequential and data loss damages is operationally significant for users who may experience losses arising from reliance on AI-generated Output....

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The agreement assigns OpenAI's rights in generated Output to the user, while noting that Output may not be unique and similar Output may be generated for other users. The assignment does not extend to other users' output or Third Party Output....

Why it matters: This provision establishes a contractual assignment of Output ownership from OpenAI to users, qualified by the phrase 'to the extent permitted by applicable law' and by the acknowledgment that Output may not be unique. The practical scope of intellectual property rights in AI-generated content remains an evolving area of law in multiple jurisdictions....

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Accounts created using organizational email addresses may be transferred to the organization's business account, after which the organization's administrator gains control over the account including access to Content and the ability to restrict or remove user access. OpenAI states it will provide notice to the user prior to transfer unless the organization has already done so....

Why it matters: This provision establishes that organizational email-based accounts are subject to potential employer or organizational administrator control, including access to user-generated Content. The notice obligation is qualified by the carve-out for situations where the organization has already notified the user....

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The agreement requires users to evaluate Output for accuracy before use, prohibits reliance on Output as a sole factual source or substitute for professional advice, and expressly prohibits use of Output about a person for decisions with legal or material impact including credit, employment, housing, insurance, legal, and medical decisions....

Why it matters: This provision establishes affirmative user obligations regarding Output evaluation and creates an express prohibition on high-stakes decisional use of Output concerning individuals. These obligations are operationally significant for any enterprise or professional deploying AI-generated content in decision-making workflows....

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The agreement reserves OpenAI's right to suspend, terminate, or delete accounts for Terms or Usage Policy violations, legal compliance reasons, risk or harm determinations, or inactivity exceeding one year for unpaid accounts. An appeal mechanism is available through the Support team....

Why it matters: This provision establishes the grounds and process for account termination, including a broad risk or harm standard that is not further defined. The inactivity termination provision applies specifically to free accounts inactive for more than one year, with advance notice stated as a condition....

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The document authorizes Robinhood to use user data including AI chatbot conversation inputs to train, test, and improve its AI functionalities, and states that notice and consent will be obtained where required by applicable law....

Why it matters: This provision authorizes secondary use of user conversation data for AI model development, which may engage state AI transparency laws and FTC guidance on AI data practices. The phrase 'where required under applicable law' conditions consent obligations on regulatory requirements, meaning the scope of user consent is jurisdiction-dependent....

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The document states that personal information collected in connection with financial services (such as a brokerage account) is generally governed by GLBA rather than state privacy laws such as the CCPA, and that Robinhood may have no obligation to accept or honor Data Subject Requests depending on which affiliate and product the user's data relates to....

Why it matters: This provision describes the scope of GLBA preemption as Robinhood applies it across its product lines, establishing that the availability of state-law privacy rights including access, deletion, and correction requests depends on which Robinhood entity and product a user interacts with. The practical scope of GLBA preemption is a fact-specific and legally contested question, and compliance teams should not assume the document's characterization reflects the full extent of applicable legal obligations....

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The document authorizes Robinhood to share user personal information including name, address, telephone number, and social security number with affiliated Robinhood entities for purposes including service delivery and cross-product applications, and states that users may limit this sharing in some cases through GLBA opt-out mechanisms....

Why it matters: This provision establishes that social security numbers and other identity data may be shared across Robinhood's affiliated entities as part of standard operations. The document provides a limited opt-out mechanism through the GLBA financial privacy notices, though the scope of what can be limited is constrained by GLBA's permitted sharing categories....

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The document authorizes Robinhood and third-party advertising and analytics partners to collect device identifiers, IP addresses, browsing activity, and conversion information through cookies, pixels, and SDKs, and to use this data for cross-platform targeted advertising, with opt-out controls available through account settings and industry opt-out tools....

Why it matters: This provision establishes that behavioral advertising data sharing with third-party partners applies by default, and that data collected through these technologies may be combined across devices and websites over time. Users must affirmatively opt out through account settings or external tools such as the Digital Advertising Alliance opt-out at www.aboutads.info/choices....

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The document states that Robinhood retains personal information for up to 5 years after the end of the user relationship for regulatory compliance purposes, and may retain data for longer periods if required by law, in connection with ongoing or potential claims, or for other legitimate regulatory reasons....

Why it matters: This provision establishes a base retention period of up to 5 years post-relationship for personal information held by Robinhood's financial entities, reflecting regulatory recordkeeping obligations applicable to broker-dealers and money services businesses. The open-ended extension for legal claims or regulatory reasons means the maximum retention period is not fixed....

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The document states that Social profile information including username, profile statistics (which may include profit and loss metrics), posts, and follower data is visible to other Robinhood users by default, and that content may be shared outside the Social product to external social media platforms....

Why it matters: This provision establishes that financial performance metrics such as profit and loss ratios may be displayed on user Social profiles and shared with other users, including potentially outside the Robinhood platform. Deactivation hides the profile from other users but does not delete data; full deletion requires a separate action....

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The document states that the Pay and Request profile, including profile picture, username, full name, join year, and transaction history between users, is visible to all Robinhood users by default, and that users may opt out of this visibility at any time through profile visibility settings....

Why it matters: This provision establishes that transaction history between users is visible by default to the counterparty and potentially to other Robinhood users depending on settings, and that opting out requires affirmative adjustment of profile visibility settings....

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The document states that Robinhood may disclose user personal information to third parties in connection with mergers, acquisitions, financing transactions, changes in control, or bankruptcy proceedings....

Why it matters: This provision permits transfer of personal information to acquiring or successor entities without requiring individual user consent, which is standard in corporate transaction contexts but means user data may be processed by a different entity following a transaction....

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The agreement authorizes Robinhood to recover amounts owed by debiting the customer's brokerage account, external bank accounts, any affiliated Robinhood accounts, and any account in which the customer holds a beneficial interest, without prior notice. This authorization survives account termination....

Why it matters: This provision establishes a cross-entity, post-termination right of offset that extends beyond the brokerage account to external bank accounts and accounts in which the customer holds only a beneficial interest. The scope of this offset authorization may require evaluation under applicable state offset, garnishment, and exemption statutes, as well as Regulation E protections for consumer deposit accounts....

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The agreement states that unauthorized third-party access to the account, device, username, or password is solely the customer's risk. Any instruction or order given for the account, including via the platform using the account username or password, is treated as authorized by the customer regardless of who placed it....

Why it matters: This provision places full risk of unauthorized access on the customer if someone else obtains account credentials, and treats all orders placed using account credentials as authorized. The allocation of responsibility for unauthorized access interacts with FINRA investor protection rules and applicable consumer protection law, which may impose obligations on the broker-dealer that are not fully captured by this contractual allocation....

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When Coinbase batches multiple user transactions together, the total estimated network fees collected from those users may exceed the actual network fee Coinbase pays, with the document disclosing but not specifying disposition of the difference....

Why it matters: This provision discloses that Coinbase may collect more in estimated network fees from a group of users than it ultimately pays to the network when batching transactions. The practical financial differential between fees collected and fees paid is not explicitly addressed in terms of return or credit to users....

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Coinbase charges no upfront staking fee but retains a commission of 25.25% to 35% of all staking rewards received from the network, depending on the asset and the user's Coinbase One membership tier....

Why it matters: This provision establishes the rate at which Coinbase extracts commission from user staking rewards across eight named cryptocurrency assets. The commission is applied to gross network rewards before the user receives their share, meaning the APY and rewards displayed in the account reflect post-commission earnings....

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Coinbase charges a 1% limit order execution fee on each limit buy and limit sell order, which may apply in addition to a separate Coinbase fee of up to 1.875% depending on payment method....

Why it matters: This provision establishes that limit orders carry a mandatory 1% execution fee that is separate from and additive to the standard Coinbase fee, meaning limit order users may pay up to approximately 2.875% in combined fees on a single transaction before spread is applied. The document also states this 1% fee is excluded from Coinbase One zero-fee trading benefits....

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DEX trades via Coinbase's DEX Trading feature incur an additional service fee on top of the standard Coinbase fee, Coinbase may retain any excess service fee, the final execution price may differ from the quoted estimate, and these fees and price variations are excluded from Coinbase One zero-fee benefits....

Why it matters: This provision establishes that DEX trading carries an additive fee structure with an undetermined service fee amount, price execution uncertainty capped only by a disclosed slippage tolerance, and explicit exclusion from subscription fee waivers. DEX aggregators routing the trade may also retain any price improvement over the quoted price as a fee....

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When Coinbase or an affiliate sells a borrower's BTC collateral pursuant to a loan agreement, Coinbase charges a flat 2% fee on the total liquidation transaction amount....

Why it matters: This provision establishes a 2% liquidation fee applied to collateral sales under Coinbase lending arrangements. The fee applies to the total transaction amount, meaning it is charged on the gross value of the BTC sold rather than on any margin or differential....

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Coinbase charges a network fee for all asset recovery attempts on unsupported cryptocurrencies, plus a 5% recovery fee on the portion of estimated recovery value exceeding $100, with a noted caveat that the estimated value used to calculate the fee may differ from the actual recovered value....

Why it matters: This provision establishes that asset recovery for unsupported cryptocurrencies is a fee-bearing service with two cost components: a network fee and a 5% fee on estimated value above $100. The acknowledgment that estimated value may differ from actual market value at recovery means users may pay a fee calculated on a basis that does not reflect the ultimate value received....

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Coinbase charges a 0.10% processing fee on net USDC conversion amounts exceeding $5 million in a 30-day rolling period, with net volume calculated by offsetting USDC-to-USD or USDC-to-PYUSD conversions against USD-to-USDC or PYUSD-to-USDC conversions....

Why it matters: This provision establishes a threshold-based fee structure for high-volume USDC converters that applies a netting methodology to determine taxable volume. The 30-day rolling calculation window and netting approach create operational tracking requirements for institutional or high-volume users managing large USDC positions....

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Coinbase charges a fee for instant unstaking or for converting a pending standard unstake to an instant unstake, with the specific fee amount disclosed at the time of the unstaking request rather than in advance in this document....

Why it matters: This provision establishes that users who wish to access staked assets immediately rather than waiting for the standard unbonding period will pay a fee disclosed only at the time of the request. The fee amount is not specified in the fee schedule itself, meaning users cannot assess the cost before initiating the unstaking process....

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When Coinbase batches multiple user transactions together, the total of estimated network fees collected from individual users may be greater than the actual network fee Coinbase pays, with Coinbase retaining the difference....

Why it matters: This provision discloses that Coinbase may collect more in estimated network fees from users than it ultimately remits to the network due to batching efficiencies, establishing a fee retention mechanism that operates separately from stated trading fees and spreads. The operational significance of this provision lies in its potential to create a gap between disclosed fee estimates and actual user costs relative to Coinbase's network expenditure....

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Limit buy and limit sell orders incur a 1% execution fee on the trade amount, in addition to a Coinbase fee of up to 1.875% depending on payment method, with both fees disclosed in the order preview screen and transaction history....

Why it matters: This provision establishes that limit orders carry a cumulative fee structure of up to approximately 2.875% per trade before any spread, which is distinct from the fee structure applicable to simple market orders. The document also states that the 1% limit order fee is not waived by Coinbase One zero-fee trading benefits, creating an operationally significant limitation for subscribers relying on that benefit....

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Coinbase charges a commission of 35% of staking rewards for standard accounts across ADA, ATOM, AVAX, DOT, ETH, MATIC, SOL, and XTZ, with tiered reductions for Coinbase One members ranging from 25.25% to 31.75%. An additional fee applies for instant unstaking, disclosed at the time of the unstaking request....

Why it matters: This provision establishes that Coinbase retains 35% of staking rewards from standard account holders before rewards are credited, which represents a material cost of participation in Coinbase's staking service. The tiered commission structure linked to a paid Coinbase One subscription creates a direct financial incentive for subscription enrollment tied to staking economics....

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When Coinbase or an affiliate sells a user's Bitcoin collateral under the terms of an applicable loan agreement, a flat 2% fee on the total transaction value is charged....

Why it matters: This provision discloses a 2% liquidation fee on BTC collateral sales, which applies at the time of collateral liquidation rather than at origination of the loan. The fee is charged on the total transaction value, meaning it applies to the full sale amount rather than only to a net or excess amount....

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Coinbase charges a network fee for any unsupported cryptocurrency recovery attempt, plus a 5% fee on the estimated value exceeding $100 for eligible recoveries, with a disclaimer that the estimated value used for fee calculation may differ from actual market value at the time of recovery....

Why it matters: This provision establishes a 5% fee on estimated recovery value above $100, applied to a value figure that the document acknowledges may differ from actual market value. This creates a potential discrepancy between the fee basis (estimated value) and the value the user actually receives (market value), which may be material in volatile market conditions....

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A 0.10% fee applies to net USDC conversion volume exceeding $5 million within any rolling 30-day period, calculated as gross USDC-to-USD or PYUSD conversions minus gross USD or PYUSD-to-USDC conversions....

Why it matters: This provision establishes a volume-threshold fee applicable to high-volume USDC converters, using a net rather than gross calculation methodology that may affect large institutional or market-making users differently depending on their conversion patterns. The 30-day rolling period calculation creates an ongoing monitoring obligation for users near the $5 million threshold....

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The document states that all fees and charges are subject to change without specifying a notice period, notification mechanism, or effective date process for fee changes....

Why it matters: This provision reserves Coinbase's right to modify any fee or charge described in the schedule without specifying a required advance notice period or user notification procedure. The absence of a defined change notice mechanism creates uncertainty about when users will be informed of fee changes relative to when those changes take effect....

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The agreement authorizes Coinbase to suspend, restrict, or terminate any account immediately and for any reason at its sole discretion, without disclosing the reason or the criteria used in making that decision. Following deactivation, users have 90 days to transfer digital assets or funds unless prohibited by law, sanctions, or court order....

Why it matters: This provision establishes broad unilateral account enforcement authority with no stated disclosure obligation to the user, which may affect access to digital asset holdings during any suspension or termination period. The 90-day post-deactivation asset transfer window is a material operational parameter for users assessing access risk....

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The agreement caps Coinbase's financial liability to users at the value of supported digital assets in the relevant wallet at the time of the claim, and excludes lost profits, consequential, indirect, and punitive damages except where a court determines the loss resulted from Coinbase's gross negligence, fraud, willful misconduct, or intentional violation of law. The agreement also explicitly states that Coinbase does not guarantee order execution, system availability, or data accuracy....

Why it matters: This provision establishes a damage cap tied to the value of assets in the affected wallet at the time of the triggering event, which may result in recovery being limited to a fraction of total economic harm where market value declines during any dispute resolution period. The carve-out for gross negligence, fraud, and willful misconduct is noted, and New Jersey residents are specifically addressed with a state law conformity clause....

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The agreement authorizes Coinbase to hold user digital assets in shared omnibus blockchain addresses across multiple protocols, including layer two networks, alternative layer one networks, and side chains, and to treat different forms of the same asset held across these protocols as interchangeable regardless of wrapping status or the specific protocol on which they are stored....

Why it matters: This provision establishes that Coinbase is not required to maintain segregated blockchain addresses for individual user assets and may commingle holdings across multiple protocols with assets treated as fungible equivalents. This structure has implications for user asset tracing, insolvency risk assessment, and the practical ability to verify on-chain holdings independently....

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The agreement requires users to provide name, address, telephone number, email address, date of birth, taxpayer identification number, government identification, bank account information, and in some cases biometric data, for identity verification, AML and fraud detection, and ongoing compliance purposes. Coinbase may also authorize a user's wireless carrier to disclose device and account information to Coinbase for identity verification and fraud prevention....

Why it matters: This provision establishes the categories of personal and financial data Coinbase collects at account registration and on an ongoing basis, including the potential collection of biometric information where permitted by law. The provision also discloses that personal data may be shared with credit reference agencies, fraud prevention agencies, and financial crime agencies in connection with identity verification inquiries....

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When users share any content through Coinbase Services, including text, images, video, graphics, audio, files, and communications, the agreement authorizes Coinbase to use, modify, distribute, sublicense, and transfer that content on a worldwide, royalty-free, perpetual basis to operate, improve, develop, and promote its services....

Why it matters: This provision asserts a perpetual, sublicensable, and transferable license to user-generated content including communications, which means content shared through Coinbase Services may be used, modified, and redistributed by Coinbase and its sublicensees without time limitation and without additional compensation to the user....

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The agreement authorizes Coinbase to adjust its pricing and fees at any time, with a 30-day advance notice obligation limited to states where such notice is required by applicable law. Fees include both explicit transaction fees and a spread, which is a margin over the prevailing market rate that is not separately disclosed in transaction history records....

Why it matters: This provision establishes that the fee modification notice obligation is jurisdiction-dependent rather than a universal user protection, meaning users in states without statutory advance notice requirements may not receive prior notification of fee changes. The agreement separately discloses that transaction history records exclude spread or margin from the fee line items displayed....

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By posting any content on X, users grant X a worldwide, royalty-free, sublicensable license to use, adapt, and distribute that content across any media for any purpose, explicitly including training machine learning and generative AI models, with continued platform access constituting the sole compensation for this license. The license also authorizes X to make user content available to third-party companies, organizations, and individuals for syndication, broadcast, and publication....

Why it matters: This provision establishes the legal basis under which X may use user-generated text, images, audio, and video content for AI and machine learning model training without additional compensation. The sublicensing right permits X to extend these uses to third parties, and the license applies to all content types including inputs, prompts, and outputs created through platform features....

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For users outside the EU, EFTA States, and UK, if the primary Texas court forum selection clause is found unenforceable for any reason, disputes automatically proceed to binding individual arbitration administered by the American Arbitration Association in Tarrant County, Texas, before a retired federal judge. The arbitration is confidential, the arbitrator cannot grant injunctive relief, the award is final with no appeal rights (to the maximum extent permitted by law), and each party bears its own costs unless claims are found frivolous....

Why it matters: This provision establishes a two-tiered dispute resolution structure for non-EU/UK users: Texas courts as the primary forum, with binding individual arbitration as an automatic fallback. The arbitration clause explicitly prohibits class or representative proceedings, requires confidentiality, bars injunctive relief from the arbitrator, and makes the award final and non-appealable to the maximum extent permitted by law....

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By agreeing to these terms, users waive the right to participate in class actions, collective actions, private attorney general actions, or jury trials against X and its named corporate affiliates including SpaceXAI, Cursor, and SpaceX entities, where permitted by applicable law. This waiver applies to all users regardless of whether service use is personal, commercial, or otherwise....

Why it matters: This provision extends the class action and jury trial waiver explicitly to named corporate affiliates (SpaceXAI, Cursor, SpaceX) as a new element compared to prior terms, designating those entities as intended third-party beneficiaries of the waiver. The waiver applies across all theories of liability and user categories....

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Users who violate the Terms and access more than 1,000,000 posts (of any type) within any 24-hour period are liable to X for liquidated damages of $15,000 USD (or EUR 15,000 for EU/UK users) per 1,000,000 posts accessed, in addition to all other legal remedies X may pursue. The clause also asserts that repeated violations entitle X to injunctive relief....

Why it matters: This provision establishes a specific financial exposure of $15,000 USD per 1,000,000 posts accessed in excess of the stated threshold within a 24-hour period, applicable jointly and severally when a user induces or facilitates others' violations. The clause explicitly states it does not cap X's total recovery and preserves all other legal and equitable remedies....

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X reserves the right to suspend or terminate accounts for violation of terms, legal risk, unlawful conduct, prolonged inactivity, or commercial inviability, and also retains the right to terminate for any other reason or no reason at its convenience, to the extent permitted by law. Notification will be made by reasonable efforts via email or upon next account access....

Why it matters: This provision authorizes account termination on five enumerated grounds as well as for any reason or no reason at X's convenience, subject to applicable law. The commercial inviability ground and the convenience termination right are operationally significant for users, creators, and businesses that depend on platform access....

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For non-EU/UK users, the updated terms require federal claims to be initiated within one year and state law claims within two years and one day of the event giving rise to the dispute. The prior terms required state claims within two years (not two years and one day). Claims not initiated within these periods are permanently barred to the extent permitted by applicable law....

Why it matters: This provision contractually shortens the limitations period for federal claims to one year and sets state law claims at two years and one day. The one-year period for federal claims is shorter than many statutory limitations periods, and the enforceability of contractually shortened limitations periods varies by jurisdiction and claim type....

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X's total aggregate liability to any user is capped at the greater of $100 USD or the amount the user paid X in the prior six months for the specific services at issue. This cap applies across all theories of liability including contract, tort, statute, and warranty....

Why it matters: This provision establishes a maximum aggregate financial exposure for X of $100 USD (or six months of payments, if greater) regardless of the nature or severity of the claim. The cap applies across all legal theories and explicitly survives even if a remedy is found to have failed its essential purpose....

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X reserves the right to access, read, preserve, and disclose user information when it reasonably believes it is necessary to comply with legal processes, enforce its terms, address fraud or security issues, respond to support requests, or protect X, its users, or the public. Disclosure of personally identifying information to third parties is stated to occur only in accordance with the Privacy Policy....

Why it matters: This provision authorizes X to access and disclose user information including content and communications across five enumerated grounds, with disclosure to third parties (other than personally identifying information) not expressly limited to the Privacy Policy. The breadth of the reservation covers governmental requests, enforcement investigations, and safety determinations....

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