Provisions Index

Eventbrite caps the maximum amount it can be held responsible for at the amount you paid in fees to Eventbrite in the past 12 months, and excludes liability for indirect, incidental, or consequential damages....

Why it matters: Even if Eventbrite's actions cause you significant financial harm, your ability to recover damages is strictly capped and many categories of loss are entirely excluded....

Event organizers are solely responsible for ensuring their event listings are accurate and for issuing refunds to attendees when events are cancelled or changed....

Why it matters: If you buy a ticket and the event is cancelled, changed significantly, or misrepresented, you must seek your refund from the organizer — Eventbrite will not automatically refund you....

If you have a dispute with Calm, you must resolve it through private arbitration — not in court — and you cannot join a class action lawsuit against Calm....

Why it matters: This removes your right to sue Calm in court or participate in a group lawsuit, which are often the most effective ways for consumers to seek redress against a large company....

Your Calm subscription automatically renews at the end of each period and Calm will charge your payment method unless you cancel at least 24 hours before renewal....

Why it matters: If you forget to cancel in time, you will be charged for another full subscription period with no right to a refund....

Calm generally does not issue refunds for subscription fees you have already paid, except where required by law....

Why it matters: If you are charged for a renewal you did not want, or are dissatisfied with the service, you have no contractual right to get your money back....

Even if Calm causes you harm, their maximum legal liability to you is capped at either the amount you paid them or $50 — whichever is greater....

Why it matters: No matter how significant the harm Calm causes — including data loss, service failure, or other damages — you can only recover a maximum of $50 or your subscription fees in a legal claim against them....

If you sign up for a free trial or discounted promotional period, Calm will automatically start charging you at the full subscription price when the promotion ends unless you cancel at least 24 hours before....

Why it matters: Many users sign up for trials and forget to cancel, resulting in unexpected charges at full price with no refund rights....

Fiverr shares your personal data with advertising partners and third-party companies to show you targeted ads based on your behavior and interests....

Why it matters: Your browsing habits and personal information may be used by companies you've never heard of to target you with ads, which is a significant privacy concern....

California residents have special legal rights including the right to know what data is collected, opt out of its sale or sharing, request deletion, and not be discriminated against for exercising these rights....

Why it matters: California law gives residents some of the strongest consumer privacy rights in the US, and Fiverr is legally required to honor them....

Klarna shares your personal and financial data with credit reference agencies, which means information about how you use Klarna's services — including payment behaviour — can appear on your credit file....

Why it matters: Information shared with credit reference agencies can affect your ability to obtain credit, loans, or mortgages from other lenders, making this one of the most consequential data-sharing provisions in the policy....

Klarna collects data about your browsing behaviour, purchase history, and device activity and uses this to serve you personalised advertisements, including through third-party advertising partners....

Why it matters: Your shopping habits and financial activities are being used to build an advertising profile, which is then shared with external ad networks — meaning your data extends beyond the Klarna ecosystem....

Klarna may use automated systems to make decisions about you — such as whether to approve a purchase or assess your creditworthiness — without a human reviewing the decision....

Why it matters: Automated decisions can affect whether you can use Klarna's services or how much credit you are offered, and you may have the right to request human review of decisions that negatively affect you....

Ledger discloses that in 2020 their e-commerce database was breached, exposing over one million customer email addresses and approximately 272,000 customers' full name, phone number, and postal address....

Why it matters: This breach means your personal contact details may already be in the hands of bad actors, increasing your risk of phishing, fraud, and targeted scams — particularly dangerous for crypto holders....

Ledger shares your personal data with third-party marketing partners and advertising networks to deliver targeted advertising and measure campaign performance....

Why it matters: Your name, email, behavioral data, and purchase history may be shared with companies you have never interacted with, enabling detailed profiling for advertising purposes....

If you have a dispute with T-Mobile, you must resolve it through private arbitration rather than going to court. A neutral arbitrator decides the outcome instead of a judge or jury....

Why it matters: Arbitration typically favors large companies over individual consumers, limits discovery, and produces awards that are very difficult to appeal. You lose the ability to have your case heard publicly in a court of law....

You agree that you cannot join with other T-Mobile customers to sue the company as a group (a class action). All claims must be brought individually....

Why it matters: Class actions are one of the most effective tools consumers have against large corporations for widespread harms involving small individual amounts. Waiving this right means T-Mobile faces less aggregate legal risk and individual consumers may find it economically impractical to pursue small claims ...

T-Mobile limits what it owes you if something goes wrong to only direct, actual damages — and caps the total amount. T-Mobile is not responsible for indirect losses, lost profits, or consequential damages....

Why it matters: If T-Mobile's service failure causes you significant financial harm — such as a missed business deal due to an outage — you cannot recover those consequential losses, only the direct amount you paid for the service itself....

If you have a dispute with Square, you must resolve it through private arbitration rather than suing them in court. This applies to almost all disputes arising from your use of Square's services....

Why it matters: Arbitration is typically faster but limits your ability to appeal decisions, gather evidence, and obtain certain remedies that courts can provide....

You agree not to join or start any class action lawsuit against Square — all disputes must be handled individually, not as part of a group....

Why it matters: Class actions allow many people harmed by the same practice to join together; waiving this right means each merchant must individually pursue small claims, making it economically impractical to challenge widespread harmful practices....

Square can hold or delay transferring your money to your bank account if they decide there is a risk concern — they do not need to give you advance notice before doing this....

Why it matters: For small businesses, having funds unexpectedly held can be devastating for cash flow, payroll, and day-to-day operations....

Square can suspend or close your account at any time, for almost any reason, including suspicion of policy violations, with little or no advance notice....

Why it matters: Losing access to your payment processing account without warning could immediately halt your ability to accept payments and access your funds....

US users must resolve all disputes with Waze through binding arbitration rather than in court, administered by JAMS under its rules. This means you cannot take Waze to court or participate in a class action lawsuit unless you opt out within 30 days....

Why it matters: Arbitration strips consumers of the right to a jury trial and class action participation, which are important protections when challenging a large company's practices....

When you submit any content to Waze — including map edits, reports, photos, or comments — you grant Waze a worldwide, irrevocable, royalty-free license to use, modify, distribute, and commercialize that content in any way, forever....

Why it matters: This means Waze can use anything you contribute to the platform for commercial purposes, including advertising and data products, without further permission or payment to you....

Waze collects and uses your real-time GPS location, driving speed, routes, and driving behavior as part of using the service. This data is used to power navigation features and may be shared with third parties including Google....

Why it matters: Continuous collection of precise location and movement data is among the most sensitive categories of personal information, and its sharing with third parties including Waze's parent company Google raises significant privacy concerns....

By using Waze, US users agree not to participate in any class action lawsuit or class-wide arbitration against the company. All disputes must be handled individually....

Why it matters: Class actions are often the only practical way for individual consumers to challenge a large company's practices when individual damages are small. Waiving this right significantly reduces collective consumer power....

Waze limits its financial responsibility for any harm caused to users to the maximum extent permitted by law. In most cases, this means Waze cannot be held liable for damages resulting from use of the app, including navigation errors....

Why it matters: If Waze's navigation causes an accident or leads to harm, the company's liability cap means users may have little or no legal recourse to recover damages....

Lyft collects your precise GPS location throughout your use of the app, including during rides and, in some cases, when the app is running in the background....

Why it matters: Real-time location tracking is one of the most sensitive categories of personal data, as it can reveal where you live, work, worship, and seek medical care....

Lyft shares your personal data, including trip information and device identifiers, with advertising partners to serve you targeted ads both within and outside the Lyft app....

Why it matters: Your trip history and behavior can be used to build a detailed profile for advertising purposes, and this data may be shared with many third parties you have no direct relationship with....

Lyft may share your personal data, including location history and trip records, with law enforcement agencies in response to legal requests such as subpoenas, court orders, or government investigations....

Why it matters: Your trip history and location data could be accessed by police or government agencies without your knowledge in response to legal demands....

If you opt into the Research program, 23andMe may share your de-identified genetic and health data with third-party researchers, including pharmaceutical and biotech companies, to conduct studies on disease and drug development....

Why it matters: Your genetic data, even when described as 'de-identified,' is inherently re-identifiable and uniquely personal — and opting in means it may be used commercially by drug companies without further notice to you....

23andMe may disclose your personal and genetic data to law enforcement, government agencies, or courts in response to valid legal requests such as subpoenas, warrants, or court orders....

Why it matters: Your DNA and health information could be handed over to police or prosecutors without your knowledge, which could have serious legal or personal consequences....

If 23andMe is acquired, merges with another company, or goes through bankruptcy, your personal and genetic data may be transferred to the new owner as a business asset....

Why it matters: A new owner of 23andMe would inherit your DNA data and could operate under different privacy standards, and you may have limited ability to prevent this transfer....

If you have a legal dispute with Hinge, you must resolve it through private arbitration rather than by suing in court. This applies to nearly all disputes, including questions about whether arbitration itself applies to your situation....

Why it matters: Arbitration is a private process with fewer procedural protections than court, and decisions are typically final with very limited appeal rights....

You agree that you cannot participate in any class action lawsuit or class-wide arbitration against Hinge, and you give up your right to a jury trial....

Why it matters: Class actions allow many consumers to pool resources to challenge corporate misconduct — waiving this right means each person must pursue claims individually, which is often impractical for small-dollar disputes....

Hinge limits the amount of money you can recover from them in a lawsuit to the greater of the fees you paid in the past 12 months or $100, and they disclaim responsibility for many types of damages....

Why it matters: Even if Hinge causes you significant harm, this clause caps what you can recover financially, potentially leaving you with little or no compensation for serious losses....

GitHub limits the amount you can recover from them in a lawsuit to the total fees you paid in the 12 months before the incident — or $100 if you used the free service....

Why it matters: If GitHub causes you serious harm — such as data loss, service outage, or account suspension — you may be legally limited to recovering only a small amount regardless of how much damage you actually suffered....

GitHub can suspend or permanently terminate your account at any time, including immediately and without advance notice, if they believe you have violated the terms....

Why it matters: Losing account access without warning could mean losing access to all your repositories, projects, and collaborative work hosted on GitHub....

If you have a legal dispute with Microsoft and you live in the United States, you must resolve it through individual arbitration rather than going to court. You also cannot join a class action lawsuit against Microsoft....

Why it matters: This clause removes your right to sue Microsoft in court and prevents you from joining with other consumers in a class action, which is often the only practical way to challenge a large company over small individual harms....

Microsoft limits its legal responsibility for damages caused by its services to the greatest extent allowed by law, meaning you may not be able to recover significant losses even if Microsoft is at fault....

Why it matters: If Microsoft's service fails and causes you financial harm or loss of data, the agreement attempts to cap or eliminate Microsoft's financial responsibility for those losses....

Microsoft can suspend or permanently close your account if it believes you have violated the terms of service, which could result in loss of access to purchased content, games, and digital libraries....

Why it matters: You could lose access to games, subscriptions, and digital purchases you have paid for if Microsoft decides your account has violated its policies, even if you disagree with that decision....

If you have a dispute with Headspace, you must resolve it through private arbitration rather than going to court, and you cannot join or start a class-action lawsuit against Headspace....

Why it matters: This prevents you from banding together with other affected users to hold Headspace accountable through the courts, which is often the only practical way to pursue small individual claims....

Your Headspace subscription automatically renews at the end of each billing period and your payment method will be charged unless you cancel before the renewal date....

Why it matters: Many users forget to cancel and are charged for another period they did not intend to pay for, and refunds are limited....

Headspace collects health and mental wellness information about you that is considered sensitive under multiple laws, including GDPR in Europe and state consumer health data laws in the US....

Why it matters: Mental health data is among the most sensitive personal information and misuse or breach of this data can have serious consequences for users' employment, insurance, and personal lives....

Headspace limits how much money it can owe you if something goes wrong to the amount you paid in the 12 months before the problem, and disclaims liability for many types of harm....

Why it matters: This means even if Headspace causes you significant harm — for example by mishandling your mental health data — your financial recovery is capped at one year of subscription fees....

Headspace explicitly states its products and services are not intended for medical emergencies and should not be used to access emergency care....

Why it matters: If you are in a mental health or medical crisis, relying on Headspace instead of calling emergency services could put your life at risk....

If you have a dispute with Peloton, you must resolve it through binding arbitration rather than in a court of law, unless you opt out within 30 days of creating your account....

Why it matters: Arbitration removes your ability to have a judge or jury hear your case in court, and typically favors companies over individual consumers....

You agree not to join or start a class action lawsuit against Peloton — any claims must be brought individually, not as part of a group....

Why it matters: Class action lawsuits are one of the most effective tools consumers have against companies when widespread harm occurs; waiving this right significantly limits collective consumer power....

Peloton can change, suspend, or discontinue any part of its services — including features you rely on — at any time and with limited notice....

Why it matters: Peloton can remove features, change how its products work, or shut down services you paid for without your consent, which has already affected Peloton users in the past....

Peloton's financial responsibility to you is strictly capped — in most cases to the amount you paid in the last 12 months — and Peloton disclaims liability for a wide range of potential harms....

Why it matters: Even if Peloton's product or service causes you significant harm, the amount you can recover may be limited to a relatively small sum, and many types of damages are excluded entirely....

Peloton collects a wide range of personal and fitness data from users, including usage data, location, and health metrics, governed by its Privacy Policy which is incorporated into these terms....

Why it matters: Peloton collects sensitive health and fitness data that, if shared or breached, could have significant privacy implications for users....