Provisions Index

Cash App may share your personal and financial information with law enforcement agencies, regulators, or government authorities without notifying you....

Why it matters: Your transaction history, identity details, and financial data can be handed over to government agencies, potentially without a warrant or advance notice to you....

Cash App collects your bank account numbers, payment card numbers, and Cash App Card details when you add them to your account....

Why it matters: Storing full bank account and card numbers with a payments platform creates financial risk if the platform is breached or your account is compromised....

Cash App allows users aged 13 and older to use its services, meaning it collects personal, financial, and potentially biometric data from minors....

Why it matters: Children aged 13-17 are a protected class under US privacy law, and their financial and biometric data deserves heightened protection that may not be fully addressed in this Notice....

Cash App collects your location data and detailed device information, including when and where you use the app....

Why it matters: Continuous collection of location and device data creates a detailed picture of your movements and habits, which can be used for profiling or shared with third parties....

Residents of certain US states (including California, Colorado, Virginia, and others) have additional rights to access, delete, correct, or opt out of the sale of their personal data....

Why it matters: These rights can give you meaningful control over your data — but only if you know they exist and take steps to exercise them....

Cash App retains your personal information for as long as necessary to provide services and comply with legal obligations, which may mean your data is kept for many years after you stop using the app....

Why it matters: Even if you close your account, Cash App may continue to hold your sensitive financial and biometric data for extended periods under legal or regulatory requirements....

Cash App uses cookies and similar tracking technologies on its website and app to collect data about your browsing behavior, device, and usage patterns....

Why it matters: These technologies can track your activity across sessions and platforms, building a detailed profile of your behavior that may be shared with advertisers....

YouTube uses a combination of automated systems and human reviewers to detect and remove content that violates its Community Guidelines. Content can be taken down before it is widely viewed or even viewed at all....

Why it matters: This means content you upload can be removed automatically without prior human review, potentially affecting your ability to share information or reach an audience....

Creators in the YouTube Partner Program must follow Advertiser-Friendly Content Guidelines to have ads served on their videos and earn a share of ad revenue. Videos that violate these guidelines can be demonetized....

Why it matters: For creators who rely on YouTube ad revenue, failing to comply with these guidelines — even unintentionally — can result in loss of income from their content....

To join YPP and earn revenue, creators must meet specific eligibility requirements and follow YouTube's monetization policies. YouTube reviews each applicant's channel before admission, and creators can be suspended from YPP for repeat policy violations....

Why it matters: Suspension from YPP can cut off a creator's primary income source, and the conditions for suspension are determined unilaterally by YouTube....

When YouTube removes a video or suspends a creator from YPP, it notifies the creator and provides an opportunity to appeal the decision if they disagree....

Why it matters: The availability of an appeal process is important for creators whose income or expression rights are affected by enforcement decisions, though the scope and outcomes of appeals remain at YouTube's discretion....

YouTube may allow content that would otherwise violate Community Guidelines if it has a clear educational, documentary, scientific, or artistic (EDSA) context, or is in the public interest....

Why it matters: This exception provides flexibility for journalists, educators, and researchers to publish sensitive content, but the determination of what qualifies as EDSA is made by YouTube, creating uncertainty for creators....

YouTube prohibits content that praises, promotes, or aids violent extremist or criminal organizations, using government and international organization designations to define what counts as such an organization....

Why it matters: Users and creators risk having their content removed if it is deemed to support organizations designated by governments or international bodies, which can include politically contested classifications....

YouTube provides creators with tools to moderate their own channels, including the ability to hold comments for review, block words, hide individuals, and assign moderation privileges....

Why it matters: These tools give creators meaningful control over their community spaces, but also place responsibility on creators for the moderation of their channels....

Binance.US collects biometric identifiers such as facial recognition data or fingerprints as part of the identity verification process required to open and use an account....

Why it matters: Biometric data is among the most sensitive personal information because it cannot be changed if compromised, and its collection and storage creates significant privacy risks....

Binance.US shares your personal data including behavioral and device data with third-party advertising networks and analytics providers such as Google Analytics and RudderStack to serve targeted ads and analyze platform usage....

Why it matters: Your browsing behavior, device information, and interactions on the platform may be shared with advertising companies who build profiles about you across the internet....

Binance.US may disclose your personal information to law enforcement, government agencies, or regulators without notifying you if required by law or in response to legal process....

Why it matters: Your financial records, identity documents, and transaction history can be shared with government authorities without your knowledge, which is particularly significant given the regulatory scrutiny of cryptocurrency platforms....

California residents have the right to know what personal data is collected about them, request deletion or correction of that data, and opt out of the sale or sharing of their personal information for advertising purposes....

Why it matters: These are legally enforceable rights under California law, meaning Binance.US is obligated to respond to verified consumer requests within specific timeframes — typically 45 days....

To open an account, users must provide government-issued identity documents such as a passport or driver's license, which are collected and stored as part of mandatory Know Your Customer (KYC) compliance....

Why it matters: Government ID documents are highly sensitive and their collection by a financial platform creates risks if that data is mishandled, breached, or shared inappropriately....

Binance.US retains your personal data for as long as your account is active and for additional periods required by law, regulation, or for legitimate business purposes such as resolving disputes....

Why it matters: Your data may be kept long after you close your account, potentially for years, due to financial regulatory requirements — limiting your ability to fully erase your digital footprint....

Binance.US shares your personal data with its affiliated companies and a range of third-party service providers who assist with operations including technology, customer support, fraud prevention, and marketing....

Why it matters: Your data is not confined to Binance.US but flows to a network of affiliates and vendors, each of which may have different security standards and privacy practices....

Binance.US automatically collects data about your device, IP address, browser type, and how you use the platform, including pages visited, clicks, and session duration, using cookies and similar tracking technologies....

Why it matters: This automatic collection of behavioral data builds a detailed profile of your activity and can be used for targeted advertising, shared with third parties, or combined with other data sources....

US users must resolve any disputes with Pinterest through individual binding arbitration rather than going to court, and cannot participate in class action lawsuits against Pinterest. You have 30 days from first accepting the terms to opt out....

Why it matters: This clause strips away your right to sue Pinterest in court or band together with other users in a class action, which are the most practical legal tools available to ordinary consumers....

When you post content on Pinterest, you give Pinterest a free, worldwide, permanent license to use, store, display, reproduce, modify, create derivative works from, and distribute your content across their services and partner platforms....

Why it matters: Pinterest can use the photos, videos, and other content you upload in a wide variety of ways — including in advertising and across third-party partner services — without paying you or asking for additional permission....

Pinterest can change its Terms of Service at any time and will notify you of material changes, but continued use of the platform after changes take effect means you accept the new terms....

Why it matters: Pinterest can alter the rules governing your account and content at any time, and simply continuing to use the service — even without actively reviewing the new terms — constitutes your legal agreement to them....

Pinterest can suspend or permanently terminate your account at its discretion, including for violations of its policies or for any other reason, with or without notice....

Why it matters: Pinterest has broad authority to remove your access to the platform and all associated content, and you have limited recourse to challenge such decisions....

Pinterest's financial liability to you is capped at the amount you paid Pinterest in the 12 months before the incident, or $100 if you haven't paid anything. Pinterest also disclaims liability for indirect, incidental, or consequential damages....

Why it matters: Since most Pinterest users pay nothing, the practical maximum compensation you could receive from Pinterest for any harm caused — including loss of data, privacy breaches, or service outages — is just $100....

You agree to defend and pay Pinterest's legal costs if Pinterest faces claims arising from your use of the platform, your content, or your violation of these terms....

Why it matters: If your use of Pinterest — including content you post — causes Pinterest to face a lawsuit, you may be legally required to cover Pinterest's legal fees and any damages, even for unintentional violations....

Pinterest requires users to be at least 13 years old, and users between 13 and 18 must have parental or guardian consent. Certain features may only be available to users who are 18 or older....

Why it matters: Parents should be aware that children can use Pinterest from age 13 with parental consent, and that the platform's data collection and broad content license apply to minors' accounts as well....

For users outside the EEA and Switzerland, disputes are governed by California law and must be brought in courts located in San Francisco, California. EEA and Swiss users are governed by Irish law with Pinterest Europe Ltd as the contracting party....

Why it matters: If you ever do get to take a dispute to court, you may need to litigate in California (for non-EEA users) or Ireland (for EEA users), which could be costly and impractical for most users....

Pinterest will remove content that violates copyright law when properly notified and has a process for users to file DMCA takedown notices or counter-notices if their content is wrongly removed....

Why it matters: If someone posts your copyrighted work on Pinterest without permission, you have a formal process to get it removed; equally, if your content is wrongly taken down, you can file a counter-notice to have it restored....

Pinterest provides its services 'as is' with no guarantees of availability, accuracy, or fitness for purpose, and does not promise the service will be uninterrupted or error-free....

Why it matters: Pinterest makes no legal commitment to keep the service running or ensure the accuracy of content, meaning outages, data loss, or service changes are at your own risk....

Shopify maintains a detailed list of product types that cannot be sold on its platform under any circumstances, including certain weapons, drugs, counterfeit goods, and fraudulent services....

Why it matters: Merchants who unknowingly list prohibited products risk immediate account suspension and potential loss of access to their store and funds....

Shopify prohibits the sale of 3D-printed gun components, ghost gun parts, and solvent trap kits, even where the individual parts may be legal in isolation....

Why it matters: This provision reflects Shopify's decision to restrict an entire product subcategory beyond what federal law strictly requires, creating significant risk for any merchant in the firearms accessories space who does not carefully audit their catalog....

Shopify prohibits merchants from using false advertising, fake reviews, or bait-and-switch tactics in their stores....

Why it matters: Because Shopify defines 'deceptive, fraudulent, or misleading' broadly and retains unilateral authority to make this determination, merchants face account termination risk based on Shopify's subjective assessment of their marketing practices — even where those practices may not violate applicable ad...

Shopify prohibits merchants from using the platform to offer unlicensed financial services, investment products, or gambling — even if framed as a side feature of a broader product offering....

Why it matters: Merchants who offer subscription boxes, gaming products, or loyalty programs with prize draws or loot-box style mechanics may inadvertently trigger the gambling prohibition, resulting in account termination....

Adult and sexually explicit content is banned on Shopify by default and requires specific written approval from Shopify before it can be sold....

Why it matters: Adult content merchants who assume their legal business is permitted on Shopify without obtaining prior written approval are at immediate risk of account termination, with no grace period described in the AUP....

Shopify bans businesses that operate as multi-level marketing companies or pyramid schemes from using its platform....

Why it matters: Legitimate direct sales businesses that use tiered commission structures may be categorized as MLM and face account termination, requiring merchants to carefully assess whether their compensation structure could be characterized as multi-level marketing....

Shopify prohibits merchants from selling fake or counterfeit products, or anything that infringes on another company's trademarks, copyrights, or patents....

Why it matters: Brand owners and licensees operating on Shopify who list products without verifying IP clearance — particularly in fashion, electronics, and media — risk both account termination by Shopify and independent IP infringement liability from rights holders....

Shopify bans the sale of illegal drugs, drug paraphernalia, and any product that makes unapproved medical claims, including certain supplements marketed with disease cure claims....

Why it matters: This provision captures a wide range of products beyond obvious drug paraphernalia — including herbal supplements, CBD products, and wellness items that make health claims — putting merchants at risk if their marketing language implies treatment of a medical condition without FDA approval....

If Shopify determines you have violated the AUP, it can suspend or terminate your account at any time, with no cure period or appeals process defined in the AUP itself....

Why it matters: The absence of a defined notice period, cure opportunity, or formal appeal process means merchants can lose their entire business infrastructure — including access to their store, customer data, and Shopify Payments balance — without warning or recourse defined in the AUP....

Shopify prohibits merchants from sending spam or unsolicited marketing emails and messages to people who have not opted in....

Why it matters: Merchants who use Shopify Email or third-party email apps connected to Shopify to send bulk marketing without proper consent face both AUP-based account termination and independent legal liability under CAN-SPAM and GDPR....

If you have a dispute with Coinbase, you must resolve it through private arbitration rather than going to court. You can opt out within 30 days of first accepting the agreement by sending written notice to Coinbase....

Why it matters: Arbitration limits your ability to challenge Coinbase publicly, typically favors companies over individuals, and prevents you from joining a class action lawsuit with other affected users....

You agree to give up your right to participate in any class action lawsuit or class-wide arbitration against Coinbase. All disputes must be handled on an individual basis only....

Why it matters: Class actions are often the only economically viable way for individual consumers to seek redress for small-dollar wrongs that affect many people. Waiving this right means Coinbase's accountability is significantly reduced....

Coinbase can freeze, suspend, or close your account at any time if it suspects a violation of its terms, legal requirements, or for risk management reasons, and may hold your funds during an investigation....

Why it matters: Your access to your cryptocurrency and any fiat funds on the platform can be cut off without advance notice, leaving you unable to trade or withdraw your assets potentially for an indefinite period....

Coinbase limits its total financial responsibility to you to a maximum of three months' worth of fees you have paid them, regardless of how much you actually lost due to their actions....

Why it matters: If Coinbase makes an error that costs you thousands of dollars in cryptocurrency losses, they are only legally obligated to pay you back a tiny fraction — whatever you paid in fees over three months....

Coinbase explicitly states that your cryptocurrency holdings and any fiat funds held in your account are not insured by the FDIC (federal bank insurance) or SIPC (brokerage account insurance)....

Why it matters: Unlike money in a bank account or a traditional brokerage, if Coinbase becomes insolvent or is hacked, there is no government-backed insurance to recover your funds....

Coinbase can change the terms of this agreement at any time by posting updated terms and providing notice, and your continued use of the platform constitutes acceptance of the new terms....

Why it matters: Coinbase can alter the rules governing your account and funds without your explicit agreement — simply continuing to use the service is treated as consent to whatever changes they make....

Once you submit a cryptocurrency transaction on Coinbase, it generally cannot be reversed, cancelled, or refunded — even if you made an error....

Why it matters: If you send crypto to the wrong address or make a mistake in a transaction, Coinbase has no obligation to help you recover those funds, and the blockchain-based nature of the transaction makes recovery essentially impossible....

Coinbase requires you to provide personal information to verify your identity before you can use the platform, including government ID and other documentation, and may request additional verification at any time....

Why it matters: You must share sensitive personal information including government-issued ID with Coinbase, and failure to provide requested documentation can result in your account being restricted or closed....