Provisions Index

Strava uses your recorded activities to contribute to the publicly accessible Global Heatmap, which shows aggregated movement patterns of all users on a public map....

Why it matters: Even aggregated or de-identified data contributed to the Global Heatmap has previously been shown to reveal sensitive locations such as military bases and private residences, creating real-world safety risks....

Strava requires access to your device's precise GPS location to enable its core features, and collects and stores your location data including real-time location when using features like Beacon....

Why it matters: Precise and persistent GPS data creates a detailed record of your physical movements that could be sensitive from a safety, security, or personal privacy standpoint....

Strava may share your personal information with third-party service providers, corporate affiliates, and law enforcement agencies when required by law or in response to legal process....

Why it matters: Law enforcement disclosure provisions mean your detailed fitness and location data could be accessed by government authorities without your knowledge, particularly relevant given the sensitivity of location and health records....

If you have a dispute with Wise, you must resolve it through private arbitration rather than going to court. You also cannot join a class action lawsuit against Wise....

Why it matters: This means you give up the right to sue Wise in court or join other customers in a class action, which can be the most effective way to address widespread issues or small-dollar claims....

If Wise makes a mistake that costs you money, the most they are required to pay you back is the total fees you paid to Wise in the previous 12 months....

Why it matters: If a large transfer goes wrong or funds are lost due to Wise's error, your compensation is capped at potentially a very small amount relative to your actual loss....

Wise can suspend or close your account at any time, including immediately in some circumstances, which could temporarily prevent you from accessing your money....

Why it matters: An unexpected account suspension could prevent you from sending or receiving money at a critical time, and you may have limited recourse to challenge the decision quickly....

If you have a dispute with Skillshare, you must resolve it through private arbitration — not in a court of law. This applies to all disputes, including those that arose before you agreed to these Terms....

Why it matters: Arbitration removes your ability to have a judge or jury hear your case and limits your ability to appeal decisions, generally favoring the larger party in disputes....

You agree to give up your right to join or lead a class action lawsuit or class-wide arbitration against Skillshare. All disputes must be handled individually....

Why it matters: Class actions allow many consumers with small individual claims to pool resources and hold companies accountable; waiving this right makes it economically impractical for most individuals to pursue small-value claims....

Your Skillshare subscription automatically renews every month or year and your payment method is charged automatically unless you cancel before the renewal date....

Why it matters: Many consumers are surprised by automatic charges, especially after promotional or discounted periods end and the full price is charged without a separate warning....

Skillshare can change these Terms or your subscription price at any time, and your continued use of the service means you agree to those changes....

Why it matters: You may not be actively notified of every change, and simply continuing to use Skillshare constitutes acceptance of new terms — including higher prices — that may not be in your interest....

Skillshare is not required to give you a refund, and you can only receive one refund ever. If you cancel mid-subscription, you do not get a pro-rated refund for unused time....

Why it matters: Consumers who cancel after being charged have very limited ability to recover funds, and there is no pro-rated refund for the remainder of a billing period....

Unless you live in the EU or opt out within 30 days, you must resolve all disputes with Strava through individual binding arbitration—not in court—and you cannot join a class action lawsuit against Strava....

Why it matters: This clause strips you of your right to sue Strava in court and to participate in class action lawsuits, which are often the only practical way consumers can hold large companies accountable for widespread harms....

When you upload or post content to Strava—including workout data, photos, routes, and segments—you grant Strava a worldwide, royalty-free license to use, copy, modify, distribute, and display that content for any purpose related to their services....

Why it matters: This means Strava can use your personal fitness data and content commercially, including to train algorithms, create aggregated datasets, or share with third parties, without paying you or seeking additional consent....

Strava's financial liability to you is capped—generally limited to the amount you paid in subscription fees in the 12 months before your claim—and Strava is not responsible for indirect, incidental, or consequential damages....

Why it matters: Even if Strava's platform causes you significant harm—such as a data breach, service failure, or loss of important personal data—your ability to recover meaningful compensation is severely restricted....

Adobe can collect biometric data such as faceprints and voiceprints when you use certain photo organisation or voice features, and may also collect facial images and voice recordings if you visit an Adobe office....

Why it matters: Biometric data is among the most sensitive personal information — it is unique to you and cannot be changed if compromised. Several US states (Illinois, Texas, Washington) have strict laws governing its collection....

Adobe automatically scans files and content you store in its cloud services for illegal material, abuse, intellectual property issues, and safety concerns, and human reviewers may also review flagged content....

Why it matters: Content you consider private — documents, photos, creative work — stored on Adobe's servers is subject to automated and human review, which may raise confidentiality concerns for professional or sensitive materials....

Adobe may analyse the content you create or store using automated machine learning techniques to improve its products and services, though you can opt out of this....

Why it matters: Your creative work, documents, and other content may be used to train or improve Adobe's AI and machine learning systems unless you actively opt out....

Adobe shares your personal information with advertisers, advertising networks, social media platforms, data brokers, and other third-party partners, in some cases to show you targeted ads based on your behaviour on Adobe's websites and apps....

Why it matters: Your browsing behaviour, app usage, and profile information may be shared with a wide range of advertising companies and data brokers, contributing to detailed advertising profiles about you across the internet....

If you have a dispute with eBay, you must resolve it through private arbitration rather than going to court, unless you opt out within 30 days of accepting the agreement....

Why it matters: This provision removes your right to sue eBay in court and prevents you from joining other consumers in a class action lawsuit, limiting your legal options significantly....

You agree not to participate in any class action or group lawsuit against eBay — all claims must be brought individually....

Why it matters: Class actions allow many consumers to band together against a company; waiving this right means each person must fight eBay alone, which is often impractical for small-value claims....

eBay can hold or restrict access to your funds at its discretion based on account activity, disputes, or risk assessments....

Why it matters: Sellers may find their earnings frozen for extended periods, which can cause serious cash flow problems for individuals and small businesses relying on eBay income....

By agreeing to eBay's terms, you consent to eBay contacting you via automated calls and texts, recording those calls, and analyzing the content of messages sent through eBay's platform....

Why it matters: This is a broad consent to surveillance of your communications and automated contact, with significant privacy implications that many users may not fully realize they are agreeing to....

eBay limits its financial responsibility to you to the amount of fees you paid to eBay in the 12 months before the problem arose, and disclaims liability for many types of damages entirely....

Why it matters: Even if eBay's actions cause you significant financial harm, you may only recover a small amount equivalent to the fees you paid — potentially far less than your actual losses....

eBay can suspend or permanently close your account at its discretion, including for violations of its policies, with limited notice requirements....

Why it matters: Account suspension can lock you out of your selling history, buyer protections, and any funds held in your account, with limited ability to challenge the decision through the courts given the arbitration clause....

Target shares your personal information with advertising partners and third parties in ways that may qualify as a 'sale' or 'sharing' under California law, including for targeted advertising purposes....

Why it matters: This means your data — including browsing behavior and purchase history — may be transferred to companies you have no relationship with for their own advertising use....

Target collects your precise location data through its app and website, which can pinpoint where you are to within a few meters....

Why it matters: Precise geolocation is considered sensitive personal information under several state privacy laws, meaning it carries heightened protections and consumers have stronger rights over its collection and use....

Target collects biometric information from consumers, which may include facial geometry or other physical identifiers used in store security or other applications....

Why it matters: Biometric data is among the most sensitive categories of personal information because it is permanent — you cannot change your fingerprint or face — and its misuse carries serious identity and safety risks....

If you have a dispute with Figma, you must resolve it through individual arbitration rather than going to court. You also cannot join a class action lawsuit against Figma....

Why it matters: This provision removes your right to sue Figma in court and prevents you from joining with other users in a class action, which is often the only practical way to pursue small-value claims....

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

Why it matters: Arbitration removes your right to sue WhatsApp in court or join a class action lawsuit, which significantly limits your legal options if WhatsApp harms you....

By using WhatsApp, you agree to waive your right to participate in any class action lawsuit or class-wide arbitration against WhatsApp....

Why it matters: Class actions are often the only practical way consumers can hold large companies accountable for widespread harms. Waiving this right leaves individual users with limited leverage....

WhatsApp shares your information with other Meta Companies (including Facebook and Instagram) as described in their Privacy Policy, which may include account information and usage data....

Why it matters: Your WhatsApp data may be used across Meta's family of apps, potentially affecting the ads you see and how your personal profile is built across platforms....

WhatsApp limits its financial liability to you to the maximum extent permitted by law, meaning the company is not responsible for most losses, damages, or harms you experience while using the service....

Why it matters: If WhatsApp's service fails, is breached, or causes you harm, you may have little to no legal recourse for financial compensation under this clause....

Betterment collects sensitive categories of personal information, which may include Social Security numbers, financial account details, and other identifiers required for financial services....

Why it matters: The collection of sensitive personal information such as government IDs and financial account numbers carries elevated risk if data is breached or misused....

Riot's Vanguard anti-cheat software runs at the kernel level of your operating system, giving it deep access to your device hardware and software to detect cheating. This means Riot can collect detailed system information beyond what typical apps access....

Why it matters: Kernel-level access represents a significant security and privacy risk — if the software is compromised or misused, it could expose sensitive system data or create vulnerabilities on your device....

Riot shares your personal data — including gameplay behavior, device identifiers, and usage patterns — with third-party advertising and analytics companies to serve targeted ads and measure campaign performance....

Why it matters: Your gaming activity and personal information may be used to build an advertising profile and shared with companies you have no direct relationship with, limiting your control over your own data....

Riot states it does not knowingly collect personal data from children below the age of digital consent in their country, and takes steps to restrict account creation and data collection for minors....

Why it matters: Children are a protected class under COPPA (US), GDPR Article 8, and similar laws — if Riot inadvertently collects a child's data without verifiable parental consent, this creates legal exposure and real harm to the child....

If you have a dispute with Redfin, you must resolve it through private arbitration — not in a court of law. This applies to almost all claims you might have against Redfin....

Why it matters: Arbitration is a private process that typically favors large companies over individual consumers, and you give up your right to a jury trial or public court proceeding....

You agree not to participate in any class action lawsuit or class-wide arbitration against Redfin. All disputes must be handled individually....

Why it matters: Class actions allow many consumers to pool resources to take on large companies; waiving this right means you must pursue any claim entirely on your own, which may be impractical for small-value disputes....

Redfin limits what you can recover from them in a dispute to the amount you paid them in the 12 months before your claim arose. If you paid nothing, you may recover nothing....

Why it matters: Even if Redfin causes you significant harm, this clause caps the money you can recover, which could be far less than your actual damages....

Tinder collects sensitive personal information including your sexual orientation, religion, political views, ethnicity, and health data that you choose to share on your profile or through your use of the app....

Why it matters: This is some of the most private information about a person, and its collection and potential exposure through data breaches or third-party sharing creates meaningful personal safety and discrimination risks....

Tinder collects biometric data (specifically face geometry data) when users submit to photo verification to confirm their identity on the platform....

Why it matters: Biometric data is uniquely sensitive because it cannot be changed if compromised; its collection by a commercial dating app creates significant legal and personal safety risks, particularly for users in states with biometric privacy laws like Illinois....

Tinder collects your precise GPS location when you use the app, and this data is used to show your location to other users and to power the matching feature....

Why it matters: Precise location data on a dating app can create personal safety risks, including enabling stalking or harassment, particularly for vulnerable users....

Tinder shares your personal data — including your profile, usage data, and communications — with other companies in the Match Group corporate family, which includes Hinge, OkCupid, and many other dating services....

Why it matters: Sharing data across a large corporate family means information you provide to Tinder may be accessible to dozens of other entities beyond Tinder, significantly expanding the footprint of your personal data....

Tinder shares data with third-party advertising partners and may allow those partners to collect data directly through the app for targeted advertising purposes....

Why it matters: Your dating behavior, profile attributes, and usage patterns on a sensitive personal app may be used to build advertising profiles about you, potentially revealing intimate details of your life to advertisers....

If you have a dispute with Twilio, you must resolve it through binding individual arbitration — you cannot sue Twilio in court or join a class action lawsuit....

Why it matters: This provision removes your right to take Twilio to court and prevents you from joining other affected customers in a class action, which is often the only practical legal remedy for smaller claims....

You agree to cover Twilio's legal costs and damages if a third party sues Twilio because of something related to your use of the platform, your content, or your violation of the terms....

Why it matters: This clause shifts significant legal and financial risk to Twilio's customers — if your use of the platform causes a lawsuit against Twilio, you are responsible for defending Twilio and paying any resulting damages....

Twilio can suspend or terminate your account at any time if it believes you have violated its terms or acceptable use policy, potentially with little or no prior notice....

Why it matters: For businesses that rely on Twilio for critical communications infrastructure, sudden account suspension could disrupt operations, cause revenue loss, and impact their own customers....

If you have a dispute with Eventbrite and you are based in the US, you must resolve it through individual binding arbitration rather than going to court. You also cannot join a class action lawsuit against Eventbrite....

Why it matters: This provision takes away your right to sue Eventbrite in court and prevents you from joining other consumers in a group lawsuit, which is often the most practical way to pursue small claims....

Eventbrite processes payments on behalf of event organizers but is not the seller of tickets. The organizer, not Eventbrite, is responsible for fulfilling the event and issuing refunds....

Why it matters: If an event is cancelled, fraudulent, or misrepresented, your primary remedy is against the organizer — Eventbrite's financial liability to you is limited, which can leave you without recourse if the organizer is unresponsive or insolvent....

Eventbrite can suspend or permanently close your account at any time, at its sole discretion, with or without notice, if it believes you have violated the Terms or for any other reason....

Why it matters: Your access to purchased tickets, event history, and organizer tools can be cut off without warning, and you may lose access to funds held in your organizer account....