Provisions Index

Microsoft shares your personal data with third-party vendors, service providers, advertising partners, and other companies that help deliver its services or use it to show you ads....

Why it matters: Once your data is shared with third parties, you lose direct control over how it is handled, and those third parties may have their own privacy policies and data uses that differ from Microsoft's....

When you use Microsoft's AI services such as Copilot, your prompts, queries, and interactions may be collected and used to improve AI models and personalise your experience....

Why it matters: AI interactions can contain highly sensitive personal, professional, or confidential information, and users should be aware that these inputs may be stored and used to train or improve Microsoft's AI systems....

Microsoft retains your personal data for as long as necessary to provide services, comply with legal obligations, or resolve disputes, and you have the right to request deletion of your data subject to certain exceptions....

Why it matters: Understanding how long Microsoft keeps your data — and the limitations on deletion rights — is critical for assessing your ongoing privacy exposure, particularly for sensitive data collected over many years of product use....

If you have a legal dispute with Cash App, you must resolve it through private arbitration rather than a court trial. This applies to almost all disputes and prevents you from filing a lawsuit....

Why it matters: Arbitration removes your ability to have a judge or jury hear your case, and the process is typically less transparent and favorable to consumers than court proceedings....

You agree to give up your right to participate in any class action lawsuit against Cash App. All claims must be brought individually....

Why it matters: Class actions allow many consumers harmed by the same practice to pool resources and sue together; waiving this right means you must individually pursue small claims that may not be worth the cost to litigate alone....

Cash App's legal liability to you for losses is capped — even if their mistake causes you significant financial harm, they limit what you can recover from them....

Why it matters: If Cash App makes an error that causes you to lose money, their liability cap may prevent you from being fully compensated, leaving you to absorb losses beyond that cap....

Cash App can suspend or close your account at any time, including freezing access to your funds, if they suspect policy violations or for other reasons at their discretion....

Why it matters: Account suspension can leave you temporarily or permanently unable to access money stored in your Cash App balance, which is particularly serious if it is your primary payment method....

Cash App discloses various fees for its prepaid account services, including instant transfer fees, ATM withdrawal fees, and foreign transaction fees, which are listed in the fee table in Section I....

Why it matters: Understanding these fees is essential for consumers who use Cash App as a primary banking alternative, as charges can add up quickly for ATM use, instant transfers, and international transactions....

Children aged 13 and older can use Cash App through a 'Sponsored Account' where a parent or guardian acts as the sponsor and takes responsibility for the minor's account activity....

Why it matters: Parents or guardians who sponsor a minor's account accept legal responsibility for that account, including any financial activity, and should be aware of the associated obligations and risks....

By using Cash App, you agree to receive all disclosures, notices, and communications electronically rather than on paper....

Why it matters: You may miss important notices about fee changes, account actions, or legal updates if you do not regularly check your email or the Cash App notifications associated with your account....

Cash App allows you to buy, sell, and transfer Bitcoin, but these services come with specific risks, fees, and limitations including price volatility and potential transaction irreversibility....

Why it matters: Bitcoin transactions on Cash App may be irreversible and subject to significant price swings; users can lose money rapidly and may have limited recourse for errors....

Cash App includes terms governing use of generative AI features within the app, covering what you can and cannot do with AI-generated outputs....

Why it matters: Generative AI features may use your data inputs to produce outputs, and the terms governing accuracy, liability for AI errors, and data use in AI contexts are important to understand....

Cash App collects and uses your data in connection with providing its services, as governed by its Privacy Notice; by using the app you consent to this data usage....

Why it matters: Cash App processes significant amounts of financial and personal data; understanding what is collected, how it is shared, and your rights to access or delete it is important for your privacy....

Microsoft publicly commits to building all its AI systems according to six ethical principles, including being fair, safe, private, and transparent....

Why it matters: These stated principles may establish a standard of care against which Microsoft's actual AI product behavior can be measured by regulators and courts....

Microsoft commits to designing AI systems that protect your private data and are secure against hacking or misuse....

Why it matters: This commitment, if not operationalised in actual product design, could be characterised as a deceptive practice by regulators, and does not specify what data Microsoft collects through its AI systems or how it is used....

Microsoft commits to explaining how its AI systems work so users can understand and make informed choices....

Why it matters: Transparency is a core requirement under GDPR Art. 13 and 14 (information to be provided to data subjects) and EU AI Act Art. 13, but this commitment does not specify what disclosures are actually made to users of specific AI products....

Microsoft has set up internal oversight bodies — including the Office of Responsible AI and the AETHER committee — to ensure humans remain responsible for AI system outcomes....

Why it matters: Internal governance structures are increasingly required by law under the EU AI Act, but this page does not describe external audit rights, third-party verification, or how affected individuals can trigger accountability mechanisms....

Microsoft commits to making AI systems that do not discriminate against people based on characteristics like race, gender, or age....

Why it matters: Algorithmic discrimination is a growing enforcement priority for regulators; if Microsoft AI systems produce discriminatory outcomes in employment, credit, housing, or healthcare contexts, affected users may have legal claims that this commitment helps document....

Microsoft commits to making AI systems that work correctly and safely in real-world situations, not just in testing environments....

Why it matters: AI system failures in safety-critical applications — healthcare, transportation, public safety — can cause physical harm; this commitment, without specified testing standards or third-party safety certifications, provides limited consumer assurance....

Microsoft commits to designing AI that works for and benefits all people, including those with disabilities....

Why it matters: This commitment engages accessibility law obligations including the Americans with Disabilities Act and the European Accessibility Act, but the page does not specify how AI accessibility is tested or enforced....

Shopify uses your personal information — including contact details and purchase history from the Shop App — to deliver targeted advertisements and may share your data with ad partners like Google and Meta to do so....

Why it matters: The Shop App aggregates your purchase history across multiple independent merchants, creating a behavioral profile used for targeted advertising — a data use that goes well beyond what most consumers expect from a checkout platform....

Shopify shares your personal data with a wide range of third-party vendors including hosting providers, payment processors, analytics companies, and app developers to operate its platform....

Why it matters: The breadth of third-party sharing — encompassing app developers in the Shopify App Store who may have independent privacy practices — means your data can flow to vendors whose data practices Shopify does not fully control, increasing the risk of secondary data misuse....

When you shop at a Shopify-powered store, the merchant — not Shopify — is responsible for your data under privacy law, meaning each merchant must independently comply with GDPR, CCPA, and other regulations....

Why it matters: This provision allocates primary data controller responsibility to individual merchants, which means the compliance quality of your data protection varies significantly depending on the merchant you buy from, and Shopify's protections may not fully extend to your data in a merchant-specific context....

Shopify moves your personal data across international borders (including to the US and other countries) and relies primarily on EU Standard Contractual Clauses as the legal mechanism to authorize those transfers....

Why it matters: Post-Schrems II, Standard Contractual Clauses alone are insufficient without a Transfer Impact Assessment demonstrating equivalent protection in the destination country — failure to conduct this assessment exposes both Shopify and merchants to GDPR enforcement action....

Shopify can share your personal data with law enforcement or government agencies when legally required or when Shopify believes it is necessary to prevent harm, even without a court order in some circumstances....

Why it matters: The provision allows for disclosure based on Shopify's own assessment that disclosure is 'necessary' — without requiring a formal legal compulsion — which creates a degree of discretionary data sharing with government entities that may exceed what some consumers expect....

Shopify keeps your personal data for as long as it needs to — which can be indefinitely if Shopify determines it is needed for legal or business reasons, without specifying maximum retention periods....

Why it matters: The absence of specific maximum retention periods means Shopify retains broad discretion to hold your personal information for extended periods, which creates ongoing data exposure risk and may conflict with GDPR's storage limitation principle....

California residents have specific legal rights under the CPRA to access, delete, correct, and opt out of the sale or sharing of their personal data with Shopify....

Why it matters: California residents have the most comprehensive set of enforceable privacy rights against Shopify under CPRA, including the ability to stop Shopify from sharing behavioral data with advertisers — a right not available to users in most other US states....

Shopify uses cookies and third-party tracking tools on its websites to monitor your browsing behavior and serve you targeted ads through advertising partners....

Why it matters: Third-party advertising cookies placed by Shopify's partners (such as Google Analytics and Meta Pixel) may track your behavior across the internet, not just on Shopify's own properties, creating a broad behavioral surveillance profile that is shared with ad networks....

If you are a US user and have a dispute with Snapchat, you must resolve it through individual binding arbitration rather than going to court, unless you opt out within 30 days of first accepting the terms....

Why it matters: This provision removes your ability to sue Snapchat in a public court, which can make it harder and more expensive to get relief for smaller grievances....

By agreeing to Snapchat's terms, US users give up their right to participate in any class action lawsuit against Snap, meaning disputes must be handled individually....

Why it matters: Class actions allow many consumers to pool their claims against large companies; waiving this right means you must pursue any claim alone, which is often impractical for small individual harms....

When you post photos, videos, or other content on Snapchat, you grant Snap a worldwide, royalty-free license to use, copy, modify, distribute, and create derivative works from that content....

Why it matters: Snap can use your content for its own purposes, including in advertising or to improve its AI systems, without paying you or asking for additional permission....

Snap can change, suspend, or shut down its services — or terminate your account — at any time, with or without notice and for any reason....

Why it matters: You could lose access to your account, messages, memories, and connections at any time without warning, and Snap has no obligation to preserve your data after termination....

You agree to defend and pay Snap's legal costs if any third party makes a claim against Snap because of your use of the service or your content....

Why it matters: If someone sues Snapchat over something you posted or did on the platform, you could be personally responsible for Snap's legal fees and any damages....

Snap's liability to you is capped at the greater of $100 or the amount you paid Snap in the past 12 months, regardless of how significant the harm to you may be....

Why it matters: Even if Snapchat's actions cause you serious harm — such as a data breach exposing your personal information — you cannot recover more than $100 from Snap in most circumstances....

You must be at least 13 years old to use Snapchat, and some features require you to be 18 or older; Snap will terminate accounts of users found to be under the minimum age....

Why it matters: Snapchat is widely used by teenagers, and the terms establish minimum protections for minors, though enforcement depends largely on users self-reporting their age....

Snapchat's terms are governed by California law, and any disputes not subject to arbitration must be brought in courts in Los Angeles County, California....

Why it matters: If you need to take legal action against Snap, you may have to do so in California under California law, which could be costly or impractical if you live elsewhere....

You can delete your Snapchat account at any time, but Snap may retain certain data after deletion for legal, safety, or operational reasons....

Why it matters: Deleting your account does not guarantee immediate or complete removal of all your data from Snap's systems, which affects your privacy after you stop using the service....

Snap can update or change these terms at any time, and continued use of the service after changes are posted means you accept the new terms....

Why it matters: Your rights and obligations under Snapchat can change without you actively agreeing to the new terms — simply continuing to use the app is treated as acceptance....

If you have a dispute with Character.AI, you must resolve it through private arbitration rather than taking them to court, and you cannot join a class action lawsuit with other users....

Why it matters: This prevents you from joining group lawsuits and means your dispute will be heard by a private arbitrator rather than a judge or jury, which can limit your practical ability to seek redress....

Anything you post, submit, or generate on Character.AI — including your conversations — can be used by the company forever, in any way, including for commercial purposes, without paying you....

Why it matters: This means Character.AI can use your chats, characters, and created content to train AI models, promote the service, or commercialize them in other ways, and you cannot revoke this permission later....

If Character.AI causes you harm, the most money you can recover from them is $100 or what you paid them — whichever is greater....

Why it matters: This provision severely limits what you can recover even if the company is at fault, potentially leaving you without meaningful compensation for serious harms....

You agree to pay Character.AI's legal costs and any damages if your use of the service leads to any kind of claim or lawsuit against the company....

Why it matters: This is an unusually broad indemnification clause — you could be held responsible for legal fees and losses arising from your interactions with the AI, even if the outcome was partly caused by the service itself....

Once you pay for a Character.AI subscription, you generally cannot get a refund — though exceptions may apply depending on your local consumer protection laws....

Why it matters: If you cancel a paid subscription, you will not receive a refund for the remaining unused portion of the billing period....

Children under 13 (or under 16 in the EEA/UK) are not allowed to use Character.AI, and accounts will be terminated if users are found to be underage....

Why it matters: The platform hosts AI characters that can engage in a wide range of conversations, and access by minors raises significant safety concerns that the Terms attempt to address through age gating....

Character.AI can share your content and conversation data with law enforcement, government agencies, or third parties if they believe it is necessary or legally required....

Why it matters: Your conversations with AI characters are not private and can be accessed, preserved, and disclosed by the company at its discretion for legal or safety reasons....

Character.AI can suspend or delete your account if you violate the Terms, if your account is inactive for a long time, or at their sole discretion for almost any reason....

Why it matters: You can lose access to the service and all content in your account without advance notice, and the company has broad discretion to define what counts as a violation....

Character.AI warns that AI responses can be inaccurate or offensive, and that you use all AI-generated content entirely at your own risk....

Why it matters: The company takes no responsibility for the accuracy, safety, or appropriateness of AI outputs, which is significant given the platform's potential use by vulnerable users and those seeking advice....

If Character.AI raises its subscription prices, they will give you at least 30 days' notice before the increase takes effect on your next renewal....

Why it matters: You have a 30-day window to cancel after being notified of a price increase, so it is important to watch for these notifications to avoid being charged more than expected....

Character.AI uses your personal data — including your chat messages and interactions — to train and improve its artificial intelligence and machine learning models....

Why it matters: Your private conversations with AI characters can become part of the training data that shapes the AI system itself, with limited ability to prevent this after the fact....

If you create an AI character that other users interact with and make it public, Character.AI may keep that character active on the platform even after you delete your account and personal data....

Why it matters: Deleting your account does not guarantee removal of content you created if it has been made available to other users — your character's characteristics and any personal information embedded in it may persist indefinitely....