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Intuit
· Intuit Privacy Statement
In connection with financial products, Intuit may share personal information with collection agencies, credit bureaus including TransUnion, Experian, and Equifax, loan services providers, payment card association members, and government agencies for purposes including fraud management, credit evaluation, defaults, and debt collection....
Why it matters: This provision establishes that personal information collected through Intuit's financial products may be shared with collection agencies and credit bureaus in the context of fraud, credit, defaults, or debt collection. CFPB oversight applies to these data flows given Intuit's financial services activities, and legal teams should assess whether these disclosures satisfy FCRA requirements governing credit bureau reporting....
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Cohere
· Cohere Usage Policy
The policy prohibits using Cohere services in contexts where failure could cause death or serious harm, or where the service is used to make automated decisions affecting individuals in domains such as employment, healthcare, housing, financial services, or law enforcement. Back-office applications including document summarization, transcription, and internal knowledge agents are explicitly excluded from this prohibition....
Why it matters: This provision establishes a categorical restriction on deploying Cohere services for automated individual determinations in high-stakes domains, with direct operational implications for enterprise customers in HR, lending, insurance, healthcare, and public sector contexts. The back-office carve-out creates a meaningful but operationally imprecise boundary that compliance teams must evaluate against specific deployment architectures....
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Cohere
· Cohere Usage Policy
The policy prohibits any use of Cohere services to generate, create, share, or facilitate sexually explicit content involving minors and states that Cohere will report CSAM it becomes aware of to competent authorities and other organizations as appropriate....
Why it matters: This provision establishes Cohere's mandatory reporting commitment for CSAM, which reflects legal obligations under applicable law in multiple jurisdictions and signals active content monitoring or review processes that may apply to user-generated outputs....
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Cohere
· Cohere Usage Policy
The policy prohibits using Cohere services for illegal profiling or surveillance, untargeted facial image scraping for facial recognition databases, and predictive policing applications that assess or predict the likelihood of a person committing a criminal offense....
Why it matters: This provision explicitly prohibits biometric data aggregation and predictive criminal risk scoring, both of which are subject to heightened regulatory scrutiny under the EU AI Act and applicable privacy laws in multiple jurisdictions. The restriction on untargeted facial image scraping addresses a specific technical practice associated with mass biometric surveillance....
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Cohere
· Cohere Usage Policy
The policy prohibits using Cohere services for unlawful location tracking, social scoring, real-time biometric identification, emotion inference from biometric data, inference of protected characteristics such as race or political opinions from biometric data, or other unauthorized access to personal information....
Why it matters: This provision specifically enumerates real-time biometric identification and emotion inference from biometric data as prohibited uses, both of which are classified as prohibited or high-risk practices under the EU AI Act. The reference to 'applicable privacy regulations' incorporates compliance obligations under GDPR, CCPA, and other applicable privacy frameworks by reference....
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Monitoring
These provisions have changed before.
Monitor includes same-day alerts, structured change summaries, and monitoring for up to 25 platforms.
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Replit
· Replit Terms of Service
The agreement authorizes Replit to use content published in public Apps to develop or train large language models, and this license continues to apply even after a user's account is terminated or the agreement ends....
Why it matters: This provision establishes a post-termination license for AI model training that applies to all content published in public Apps. The scope of this license, including its survival beyond account closure, creates an ongoing intellectual property and data use consideration for users who publish code or content publicly on the platform....
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Replit
· Replit Terms of Service
Publishing an App as public on Replit automatically applies the MIT License to all code in that App, permitting any person to copy, modify, and distribute the code on or off the Replit platform without requiring permission or attribution beyond license terms....
Why it matters: This provision establishes an automatic, irrevocable licensing mechanism tied to the public/private designation of an App. Users who publish code publicly without understanding this mechanism may inadvertently license proprietary, client-owned, or third-party-licensed code under MIT terms, which could create downstream intellectual property liability....
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23andMe
· 23andMe Privacy Statement
The agreement states that users who opt into research participation have their deidentified genetic data combined with data from other research participants, and that opt-out from this program is available at any time....
Why it matters: This provision establishes the mechanism by which genetic information, once deidentified by 23andMe's processes, is aggregated into research datasets. The adequacy of the deidentification standard applied and the identity of downstream research partners are not detailed in this excerpt, which are material considerations under GDPR, HIPAA, and California GIPA transparency requirements....
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23andMe
· 23andMe Privacy Statement
The agreement states that account deletion triggers automatic research opt-out and physical sample discard, and that neither the deletion process nor a prior sample discard choice can be reversed or cancelled....
Why it matters: This provision establishes an irreversible operational workflow for account and biological sample deletion, which has direct implications for data subject rights requests under GDPR Article 17 and CCPA deletion request compliance, as well as for users who may wish to restore access or retrieve data after deletion....
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23andMe
· 23andMe Privacy Statement
The agreement states that users of Telehealth Services coordinated through 23andMe are subject to a separate Medical Record Privacy Notice governing medical information, distinct from this general Privacy Statement....
Why it matters: This provision establishes that Telehealth users operate under a layered notice architecture, where medical information is governed by a separate document not fully incorporated into this Privacy Statement. Compliance assessment of medical data handling requires review of both documents....
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DraftKings
· DraftKings Terms of Use
The agreement requires users to resolve disputes with DraftKings through individual binding arbitration administered under JAMS rules, waiving the right to jury trial and participation in class or collective actions. A 30-day opt-out window is available from the date of first use or account creation....
Why it matters: This provision requires that disputes between users and DraftKings proceed through individual arbitration rather than court proceedings, and prohibits participation in class or collective actions. The 30-day opt-out window is the operative mechanism for users who wish to preserve court access....
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DraftKings
· DraftKings Terms of Use
The agreement caps DraftKings total financial liability to any individual user at $100 for all damages, losses, or causes of action combined, regardless of the nature or amount of the claim....
Why it matters: This provision establishes a $100 ceiling on all recoverable damages from DraftKings in connection with platform use, contest participation, account actions, or website operations, applicable to all causes of action collectively....
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DraftKings
· DraftKings Terms of Use
The agreement reserves to DraftKings sole and absolute discretion the authority to withhold or revoke prizes, require additional releases as conditions of payout, deny participation in head-to-head contests, and invalidate contest results. Account termination may occur without prior notice....
Why it matters: This provision authorizes DraftKings to withhold prizes, require release of claims as a condition of payment, and terminate accounts without advance notice, with decisions described as final and binding. The breadth of sole discretion authority over prize withholding and account standing creates material financial exposure for users....
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Ticketmaster
· Ticketmaster Terms of Use
The agreement requires all disputes between users and Ticketmaster or Live Nation to be resolved through binding individual arbitration administered by JAMS, waiving both jury trial rights and the ability to participate in class action proceedings, with limited exceptions for small claims court....
Why it matters: This provision establishes JAMS individual arbitration as the exclusive dispute resolution mechanism for all claims not already filed before August 12, 2025, and applies to all products and services sold through or by Ticketmaster regardless of when the underlying dispute arose. The clause expressly invokes the Federal Arbitration Act, designates federal law as governing, and excludes state arbitration laws from applying....
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Ticketmaster
· Ticketmaster Terms of Use
By submitting any content to the Ticketmaster or Live Nation Marketplace, users grant a perpetual, irrevocable, worldwide, royalty-free, sublicensable license to use, reproduce, modify, distribute, and incorporate that content into advertisements and other works, and to pass those rights to third parties....
Why it matters: This provision establishes that user-submitted content, including photos, reviews, or other materials, may be used by Ticketmaster and Live Nation in advertising and distributed to third parties under sublicensed rights, with no time limitation and no compensation obligation. The scope of the license, including advertising incorporation and irrevocable third-party sublicensing, may require evaluation under GDPR consent requirements and California right-of-publicity statutes for affected user groups....
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Ticketmaster
· Ticketmaster Terms of Use
The agreement limits Ticketmaster's total liability per user to the greater of $100 or amounts paid in the prior 12 months, excludes all indirect, incidental, punitive, and consequential damages, and includes a broad waiver of personal injury and death claims including those arising from communicable disease contracted at an event....
Why it matters: This provision establishes a monetary ceiling on all claims against Ticketmaster and Live Nation, including claims arising from ticket purchases, marketplace use, and event attendance, and asserts a pre-event waiver of personal injury and wrongful death claims on behalf of both the user and any accompanying minor. The personal injury and death waiver, and the waiver on behalf of accompanying minors, may face enforceability constraints in jurisdictions that limit pre-event liability waivers or prohibit parents from waiving minors' claims....
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Ticketmaster
· Ticketmaster Terms of Use
The agreement authorizes Ticketmaster to terminate or suspend accounts at any time for any reason, cancel existing orders and tickets, and deny future access, and specifies that users may not receive refunds for fees related to tickets canceled due to code of conduct violations....
Why it matters: This provision establishes that account termination for code of conduct violations may result in ticket cancellation without refund, and that Ticketmaster may take enforcement action against accounts it believes are associated with a violating user even without confirmed identity of that user. The broad 'for any reason' termination right, combined with the no-refund consequence for conduct violations, creates material financial exposure for consumers whose accounts are terminated....
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Nextdoor
· Nextdoor Privacy Policy
The policy authorizes sharing hashed email addresses and device advertising identifiers with third-party advertising partners, who may use this information to serve targeted ads to members and similar audiences both on Nextdoor and on other websites and services....
Why it matters: This provision authorizes cross-platform advertising data flows involving pseudonymous but potentially re-identifiable identifiers, and the geographic qualifier 'where permissible according to applicable law' indicates that the scope of this sharing varies by jurisdiction depending on applicable consent or opt-out requirements....
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MetaMask
· MetaMask Terms of Use
The Agreement requires US users to resolve most disputes through binding individual arbitration administered by JAMS, and waives the right to participate in class action proceedings or jury trials, subject to a 30-day written opt-out window from first use....
Why it matters: This provision requires that disputes between US users and Consensys proceed through individual JAMS arbitration rather than court proceedings, and forecloses class action participation; the 30-day opt-out window from first use is the operative mechanism for users who wish to preserve court-based dispute rights....
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MetaMask
· MetaMask Terms of Use
Consensys's total financial liability to any user is capped at the greater of fees paid in the prior 12 months or $25,000, with consequential, indirect, and punitive damages excluded entirely; exceptions apply for proprietary rights claims and indemnification obligations....
Why it matters: This provision establishes the maximum financial exposure Consensys bears under the Agreement for most claim types, including losses arising from service outages, unauthorized access, or third-party failures; for users of free offerings, the cap is $25,000 regardless of actual loss....
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MetaMask
· MetaMask Terms of Use
Users who authorize AI Agents to use their Consensys credentials retain full legal and financial responsibility for all actions those agents take, including blockchain transactions and Agreement violations, and are required to monitor and revoke agent permissions as appropriate....
Why it matters: This provision establishes that the user, not Consensys, bears full responsibility for autonomous AI Agent behavior when agents are authorized with user credentials, including for unauthorized transactions, security breaches, and Agreement violations resulting from agent actions....
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MetaMask
· MetaMask Terms of Use
The Agreement discloses that third-party compliance, sanctions-screening, and security providers associated with mUSD may restrict, freeze, block, or seize user access to mUSD at their discretion or pursuant to legal requirements, and that Consensys bears no liability for such actions or their consequences....
Why it matters: This provision discloses that mUSD assets held or transacted through MetaMask are subject to unilateral restriction, freeze, or seizure by third-party compliance and security providers without prior notice, and that Consensys is not responsible for reviewing, challenging, or remediating such actions....
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Stripe
· Stripe Restricted Businesses List
Stripe may grant conditional approval to restricted businesses but reserves the right to modify or revoke that approval at any time, on a per-service-offer basis....
Why it matters: This provision establishes that merchants in restricted categories operate under conditional platform access with no documented notice period or appeal process specified in this policy, creating an ongoing operational dependency that may require review under the separate Stripe Services Agreement....
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Stripe
· Stripe Restricted Businesses List
The policy prohibits using Stripe to facilitate payment for a defined list of professional and technology services to persons located in Russia, with EU and UK users subject to an additional set of prohibited service categories for Russian recipients....
Why it matters: This provision incorporates Russia sanctions-related service prohibitions into Stripe's contractual terms, creating compliance obligations for merchants providing professional services globally, with a distinct and broader set of restrictions applicable to EU and UK merchants....
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Stripe
· Stripe Restricted Businesses List
The policy prohibits any use of Stripe's services involving persons or entities listed on OFAC sanctions lists, the US Department of Commerce Denied Persons List or Entity List, or equivalent UK, EU, and UN restricted party lists....
Why it matters: This provision contractually incorporates multi-jurisdictional sanctions screening obligations into Stripe's terms of service, requiring merchants to ensure that their customers and counterparties are not named on any of the specified restricted party lists....
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TikTok Ads
· TikTok Branded Content Policy
TikTok discontinued its legacy MMP integration on March 31, 2025. Apps not migrated to SAN integration by that date lose in-app event sharing, attribution functionality, and the ability to create new campaigns or ad groups....
Why it matters: This provision establishes a hard operational cutoff that directly suspends campaign creation access and disables attribution data for non-migrated apps. Advertisers relying on legacy MMP integrations for measurement and campaign management face a complete loss of those functions until SAN migration is completed....
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TikTok Ads
· TikTok Branded Content Policy
TikTok's in-app Instant Form captures lead data directly within TikTok and syncs it in real time to connected CRM systems, enabling advertisers to build customer and email lists from in-app form submissions without requiring users to visit an external website....
Why it matters: This provision discloses that lead data including contact information submitted through in-app forms is transferred in real time to advertiser CRM systems. This data flow creates consent, data minimization, and data transfer obligations under applicable privacy frameworks that advertisers must address in their campaign configurations....
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TikTok Ads
· TikTok Industry-Specific Ad Policies
The policy index lists a dedicated Housing, Employment, and Credit Ad Policy as a separate governing document, indicating that advertisers in these categories are subject to additional restrictions or requirements beyond general content policies....
Why it matters: Housing, employment, and credit advertising is subject to federal anti-discrimination law in the US, including the Fair Housing Act, Equal Credit Opportunity Act, and Title VII, and regulators including the FTC and CFPB have taken enforcement action against digital advertising platforms for discriminatory ad targeting in these categories....
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TikTok Ads
· TikTok Industry-Specific Ad Policies
The policy index lists a separate Data Collection Standards document as part of the advertising policy framework, indicating that advertisers are subject to defined requirements governing how data may be collected through or in connection with TikTok advertising campaigns....
Why it matters: Data collection standards governing advertising campaigns are operationally significant because they define permissible data collection mechanisms, consent requirements, and data handling obligations that advertisers must satisfy to remain compliant with platform policy and applicable privacy law....
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TikTok Ads
· TikTok Industry-Specific Ad Policies
The policy index lists financial services as a distinct restricted advertising category, indicating that advertisers offering financial products or services are subject to separate content restrictions, eligibility requirements, or approval procedures beyond TikTok's general advertising policies....
Why it matters: Financial services advertising is a heavily regulated category globally, and platform-level restrictions in this category interact with FTC, CFPB, SEC, and applicable state financial services regulatory requirements, creating a multi-layered compliance environment for financial advertisers....
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TikTok Ads
· TikTok Advertising Policies
The policy index identifies a dedicated article governing advertising in the housing, employment, and credit categories, which typically restricts audience targeting practices that could constitute discriminatory ad delivery based on protected characteristics....
Why it matters: This provision establishes a separate policy category for HEC advertising that corresponds to obligations under civil rights statutes including the Fair Housing Act and Equal Credit Opportunity Act; non-compliance with HEC targeting restrictions carries both platform enforcement and regulatory exposure....
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TikTok Ads
· TikTok Advertising Policies
The policy index references a standalone Data Collection Standards article governing data collection practices by advertisers in connection with TikTok advertising campaigns....
Why it matters: This provision establishes that advertiser-side data collection connected to TikTok campaigns is subject to platform-imposed standards, which may include consent requirements, permitted data types, and data handling obligations that operate alongside applicable privacy law....
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TikTok Ads
· TikTok Advertising Policies
The policy index identifies a dedicated Teen Safety and Wellbeing article governing advertising restrictions applicable to content or targeting involving younger audiences on TikTok....
Why it matters: This provision establishes a separate policy category addressing advertising to or involving teen users, which may restrict content categories, targeting parameters, and advertiser eligibility for campaigns that reach users under a specified age threshold....
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TikTok Ads
· TikTok Advertising Policies
The policy index identifies a dedicated Financial Services article governing eligibility requirements, content restrictions, and permissible advertising practices for financial products and services on TikTok's platform....
Why it matters: This provision establishes a separate policy category for financial services advertising, which typically includes eligibility verification, product-type restrictions, and disclosure requirements that affect which financial advertisers and products may run campaigns on TikTok....
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Uniswap
· Uniswap Terms of Service
The agreement requires users to resolve disputes with Uniswap Labs through individual binding arbitration rather than through court litigation, and waives users' ability to participate in class action proceedings....
Why it matters: This provision establishes that all disputes must proceed through individual arbitration, which is administered outside of the court system, and forecloses class action participation; the enforceability of these terms may vary by jurisdiction and claim type, and applicable consumer protection statutes in certain states may limit their scope....
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Uniswap
· Uniswap Terms of Service
The agreement states that Uniswap Labs does not owe fiduciary duties to users and that any such duties that might otherwise exist at law or in equity are waived and eliminated to the fullest extent permitted by law....
Why it matters: This provision attempts to contractually disclaim and waive all fiduciary duties, including those that might otherwise arise at equity; the enforceability of such waivers depends on applicable law, regulatory classification of the Products, and jurisdiction, and the qualifier 'to the fullest extent permitted by law' preserves the possibility that certain duties may remain operative in specific contexts....
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Uniswap
· Uniswap Terms of Service
The agreement places full responsibility on users to determine and comply with all applicable laws, regulations, KYC requirements, transfer restrictions, and tax obligations in their jurisdiction, regardless of whether those restrictions are technically enforced at the protocol level....
Why it matters: This provision establishes that users bear sole legal and tax compliance responsibility for all transactions conducted through the Products, including in jurisdictions where asset trading may be restricted or regulated; this allocation of compliance responsibility does not itself determine how regulators may characterize the obligations of Uniswap Labs, and users operating in regulated markets should independently assess their compliance posture....
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Uniswap
· Uniswap Terms of Service
The agreement states that Uniswap Labs is not a broker, intermediary, agent, advisor, seller, underwriter, or issuer in connection with any Continuous Clearing Auction, does not conduct due diligence on tokens or Token Teams, and disclaims all warranties regarding token accuracy, price, or ongoing liquidity....
Why it matters: This provision disclaims Uniswap Labs' role in CCA token distributions in terms that parallel the characterizations relevant to securities law analysis; whether these disclaimers are sufficient to establish regulatory classification is a legal determination that depends on the specific facts and applicable law, and is not determined by the contractual language alone....
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Uniswap
· Uniswap Terms of Service
The agreement excludes Uniswap Labs' liability for indirect, punitive, incidental, special, consequential, and exemplary damages, including loss of profits, data, goodwill, and other intangible property, arising from use of or inability to use the Products or any Third-Party Services, including losses resulting from hacking or unauthorized access....
Why it matters: This limitation of liability provision excludes categories of damages that may be most relevant to losses experienced in digital asset trading contexts, including loss of cryptocurrency, data, and profits; applicable law in certain jurisdictions may limit the enforceability of such exclusions for consumer claims, and the provision's breadth should be evaluated in light of applicable consumer protection statutes....
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ADP
· ADP Privacy Statement
The policy authorizes ADP to process biometric data including fingerprints for asset protection, site and system access, security, and fraud prevention purposes without requiring prior explicit consent for these listed uses....
Why it matters: This provision authorizes biometric data processing — a category subject to heightened regulatory requirements under statutes such as the Illinois Biometric Information Privacy Act — for enumerated business purposes under the BCR framework, with prior explicit consent required only for uses beyond those listed categories....
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Grindr
· Grindr Privacy Policy
The policy discloses that users may provide health information including HIV and vaccination status, racial or ethnic origin, and other sensitive data through their public profiles, and that this information is processed to provide the Services including AI-driven personalization features....
Why it matters: This provision establishes that Grindr processes GDPR Article 9 special-category data, including health data and racial or ethnic origin, as part of its core service delivery and AI personalization functions, requiring a valid Article 9 legal basis for each processing purpose....
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Grindr
· Grindr Privacy Policy
The policy states that withdrawing consent applies only to future processing and that following an opt-out, sensitive or special-category data may continue to be processed where permitted under applicable law....
Why it matters: This provision establishes a carve-out permitting continued processing of sensitive data after user opt-out under legal bases other than consent; the scope of those alternative legal bases is not enumerated in this clause, creating compliance questions regarding which processing purposes may continue without consent....
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Grindr
· Grindr Privacy Policy
The policy authorizes use of sensitive personal information, including special-category data, to power AI-driven features (branded 'gAI') for personalization, recommendations, behavior-based profile insights, personalized chat prompts, and compatibility-based profile recommendations....
Why it matters: This provision establishes that sensitive personal information, including health data and other special-category fields, is processed by AI systems for personalization and recommendation purposes; the policy states consent is the legal basis for this processing where required, and users may withdraw consent via in-app Privacy Settings....
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Grindr
· Grindr Privacy Policy
The policy authorizes sharing of personal information with advertising and marketing partners to facilitate advertising experiences, and permits Grindr and its partners to use cookies, pixels, and similar technologies to collect cross-site browsing data for targeted advertising on and off the Grindr platform....
Why it matters: This provision establishes that personal information including device identifiers, advertising identifiers, and browsing activity may be shared with advertising and marketing partners and that cross-site data collection is conducted for targeted advertising purposes; the policy states users may opt out via the in-app Consent Preference Center, website footer link, or third-party opt-out tools....
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Grindr
· Grindr Privacy Policy
The policy discloses that in certain jurisdictions, Grindr may require users to submit a video selfie or pair a video selfie with an official photo ID for age verification purposes, and explicitly states this process involves processing biometric information....
Why it matters: This provision establishes that biometric data may be collected from users in certain jurisdictions as a condition of account creation for age verification; the specific jurisdictions where this requirement applies are not enumerated in this clause, and the policy does not specify the biometric data retention period in this section....
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Grindr
· Grindr Privacy Policy
The policy discloses that Grindr collects precise geolocation data (subject to device permissions) to calculate and display distance information between users, and explicitly warns that displayed Distance Information could be used by other users to determine a user's exact location and identity....
Why it matters: This provision establishes that precise geolocation is collected and that Distance Information shared in profiles may enable third-party trilateration or inference of a user's exact location and identity; the policy discloses this risk directly and states that hiding Distance Information still results in profile sorting based on relative distance....
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Twilio
· Twilio Terms of Service
The agreement requires that disputes between U.S.-based customers and Twilio be resolved through binding individual arbitration rather than court proceedings, and includes a waiver of the right to participate in class action lawsuits or class-wide arbitration....
Why it matters: This provision requires disputes to proceed through individual binding arbitration, foreclosing class action litigation and jury trial for U.S. customers. The opt-out window is thirty days from account creation, and failure to opt out within that period results in the arbitration clause applying as written....
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Twilio
· Twilio Terms of Service
The agreement authorizes Twilio to suspend all services upon written notice based on its good-faith determination that any of five specified conditions are met, including AUP violations, fraudulent traffic, regulatory prohibition, security threats, or inaccurate account information. Customers remain liable for fees during any suspension period....
Why it matters: This provision creates a unilateral suspension right exercisable on Twilio's good-faith determination, including for conditions such as inaccurate account information that may not require customer fault. Fee obligations continue during suspension, creating potential financial exposure for customers whose services are suspended....
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Twilio
· Twilio Terms of Service
The agreement requires customers to indemnify, defend, and hold harmless Twilio and its affiliates against all third-party claims, liabilities, damages, and costs, including attorneys' fees, arising from customer or End User use of the services, agreement breaches, Customer Services, or Customer Data....
Why it matters: This provision imposes a broad indemnification obligation on customers covering third-party claims arising from End User activity and Customer Data, which creates material legal exposure for businesses deploying Twilio services at scale for third-party communications. The indemnification scope includes attorneys' fees and all associated costs....
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Twilio
· Twilio Terms of Service
The agreement states that customers are solely responsible for all use of Twilio services under their accounts and for all acts, omissions, and activities of their End Users, including End User compliance with the agreement, the Acceptable Use Policy, and applicable law....
Why it matters: This provision places full legal responsibility for End User conduct on the customer, meaning Twilio may suspend services or assert indemnification claims based on End User behavior that the customer may not have directly authorized or been able to prevent....