Provisions Index

This agreement is governed by the laws of a specific US state, and any disputes that do go to court must be handled in that jurisdiction....

Why it matters: If you live in a different state, you may have fewer legal protections than your home state would provide, and pursuing a legal claim could require engaging with courts in another jurisdiction....

Wise is not responsible for indirect losses such as lost business profits, even if they caused the problem that led to those losses....

Why it matters: If a failed Wise transfer causes you to miss a business opportunity or incur secondary costs, Wise has no obligation to compensate you for those downstream losses....

By using Wise, you consent to Wise collecting and using your personal and financial information to provide services, comply with regulations, and for other stated purposes....

Why it matters: Wise collects significant financial and identity data about you as required by financial regulation, and your consent to this data use is a condition of using the service....

Wise charges fees for its services and uses its own exchange rates for currency conversion, which are disclosed before you confirm a transaction but may change....

Why it matters: The actual cost of your transfer depends on both the stated fee and the exchange rate applied, and understanding both is essential to knowing the true cost of using Wise....

When you upload content to Skillshare, you give Skillshare a broad, royalty-free license to use, reproduce, modify, and distribute that content across their platforms....

Why it matters: Teachers and Students who create or upload original content should understand that Skillshare can use their work without paying them additional compensation beyond what the platform already provides....

When you enroll in a class or attend an Event, Skillshare shares your personal data — including your name and other account information — with the Teacher running that class or event....

Why it matters: Your personal information is passed to third-party Teachers who are individual creators, not just to Skillshare itself, expanding who has access to your data without a separate opt-in....

Skillshare can delete your account and all its content if you haven't logged in or made a payment in over 12 months, though they will try to warn you by email first....

Why it matters: Users who pause their use of the platform could lose access to all enrolled classes, uploaded content, and account history without realizing it if they miss the warning email....

Skillshare provides the service 'as is' with no guarantees, and caps the amount you can recover from them for any damages to the amount you paid in the last 12 months....

Why it matters: If Skillshare's service fails, loses your data, or causes you harm, your ability to recover compensation is severely restricted regardless of the severity of the issue....

You agree to pay Skillshare's legal costs and damages if your use of the platform causes Skillshare to be sued or face other legal claims....

Why it matters: This provision means ordinary users could face significant financial liability to Skillshare if content they upload or actions they take on the platform result in third-party claims against Skillshare....

Your Strava subscription automatically renews at the start of every billing period and will keep renewing and charging you until you cancel at least 24 hours before the renewal date....

Why it matters: If you forget to cancel before the 24-hour cutoff, you will be charged for another full billing period, and Strava's no-refund policy means you generally cannot get that money back....

Strava will not provide refunds or credits for subscription fees, except in limited circumstances set out in the Terms, such as the 14-day cooling-off period available to users outside the United States....

Why it matters: If you are a US-based subscriber, you generally cannot get a refund for any portion of a subscription period, even if you cancel immediately after being charged or if service quality is poor....

Strava can increase subscription prices or change which features are free or paid at any time, with only 'reasonable notice' before the change takes effect on your next billing date....

Why it matters: Strava can raise your subscription price or move features behind a paywall without your explicit consent, and continued use of the service after notice constitutes your acceptance of the new terms....

Strava can suspend or permanently terminate your account at any time if you violate the Terms, or simply at Strava's own discretion, without necessarily giving you a reason....

Why it matters: You could lose access to all your workout history, routes, data, and paid subscription features if Strava decides to close your account, with limited recourse or appeal rights....

You agree to defend and compensate Strava for any legal costs or damages arising from your use of the Services, your content, or your violation of these Terms or any third-party rights....

Why it matters: If someone sues Strava because of something you posted or did on the platform, you may be legally required to pay Strava's legal defense costs and any resulting damages—even for unintentional violations....

Strava requires users to be at least 13 years old (or older depending on your country), and parents or guardians of underage users are fully legally responsible for those users' actions on the platform....

Why it matters: Children under 13 (or the applicable age in your country) should not be using Strava, and parents who allow underage children to use the platform take on full legal responsibility for any Terms violations....

When you connect Strava to third-party apps like Apple Health or Garmin Connect, the data you share with those apps is governed by those third parties' own terms and policies—Strava takes no responsibility for what those third parties do with your data....

Why it matters: Connecting Strava to other apps can expose your detailed fitness, health, and location data to third parties over whom Strava has no control and for whom Strava accepts no liability....

Adobe transfers your personal information across international borders, including to the United States, and uses mechanisms like Standard Contractual Clauses to make these transfers legally permissible....

Why it matters: If you are outside the US, your personal data may be sent to countries with different and potentially lower privacy protections, which may affect your rights and how your data is protected....

Adobe uses 'legitimate interests' as its legal justification for a wide range of data processing activities including marketing analytics, content analysis, fraud detection, and sharing data with third parties....

Why it matters: When Adobe relies on legitimate interests rather than your consent, it can process your data without asking you first, though you have the right to object to this processing in certain circumstances....

Adobe restricts use of its services by children and has specific provisions for educational institutions using Adobe products with students, including separate privacy notices for K-12 use....

Why it matters: If a child uses Adobe products — particularly through a school — different privacy rules apply, but parents should be aware that standard Adobe services may not be designed for minors....

Adobe retains your personal information for as long as your account is active or as needed to provide services, comply with legal obligations, resolve disputes, and enforce agreements....

Why it matters: Adobe may hold your personal data indefinitely while your account remains active and for substantial periods after account closure, which affects how long your information remains accessible to Adobe and its partners....

Adobe allows you to sign in using social media accounts like Facebook, and shares information about your behaviour on Adobe sites with social media platforms for advertising purposes....

Why it matters: When you connect your social account or interact with Adobe's social media pages, your data flows between Adobe and social platforms, which may be used to build detailed advertising profiles about you....

If Adobe is acquired, merges with another company, or sells a business unit, your personal information may be transferred to the new owner as part of that transaction....

Why it matters: In the event of a corporate transaction, your personal data could be passed to a new company with potentially different privacy practices, with limited ability for you to prevent this transfer....

Salesforce's privacy policy does not apply when Salesforce is processing your data on behalf of one of its business customers — in that case, the business customer's privacy policy governs, not Salesforce's....

Why it matters: If you interact with a company that uses Salesforce's software, Salesforce's own privacy protections and your rights under this statement may not apply to that data — leaving a potential gap in your privacy coverage....

Your personal data may be transferred to and stored in the United States or other countries that may have different (potentially weaker) privacy laws than your home country....

Why it matters: International transfers mean your personal data may be subject to different legal protections depending on where it ends up, which is particularly significant for EU and UK residents with stronger home-country rights....

Salesforce shares your personal data with a broad range of third parties including service providers, affiliated companies, event sponsors, advertising partners, and others....

Why it matters: The wide scope of data sharing — including with event sponsors, advertising networks, and App Exchange partners — means your data may reach many organizations beyond Salesforce itself....

You have the right not to be subject to decisions made solely by automated processes — including profiling — that have legal or similarly significant effects on you....

Why it matters: Automated profiling can affect how you are treated commercially or in employment contexts; having the right to opt out or demand human review is an important consumer protection....

Salesforce shares your personal data with advertising networks to show you ads on non-Salesforce websites and apps, but you can opt out of this sharing....

Why it matters: Cross-context behavioral advertising using your data can result in pervasive tracking across the internet; the opt-out right gives you control over this specific use....

If you are under 16 years old (or the applicable age of consent in your jurisdiction), Salesforce requires you to opt in — rather than opt out — before certain disclosures of your personal data to third parties....

Why it matters: This opt-in requirement for minors provides stronger protection for young users' data, ensuring their information is not shared without affirmative consent....

When you post content on eBay (photos, descriptions, etc.), you grant eBay a royalty-free, worldwide license to use, copy, modify, and distribute that content....

Why it matters: eBay can use any content you post — including photos and product descriptions — for its own purposes, including advertising and AI training, without paying you or asking again....

You agree to cover eBay's legal costs and losses if a third party sues eBay because of something you did on the platform....

Why it matters: If your actions on eBay lead to a lawsuit against eBay — for example, selling counterfeit goods — you may be personally responsible for eBay's legal fees and any damages awarded....

eBay charges fees for selling on the platform, and in some cases collects and remits taxes on transactions. Fee structures can be changed by eBay with notice....

Why it matters: Sellers need to understand that eBay's fees can change and that eBay may collect taxes from transaction proceeds, directly affecting how much money sellers actually receive....

eBay can change the terms of this agreement at any time, and your continued use of the platform after changes take effect means you agree to the new terms....

Why it matters: You may find the rules governing your eBay account have changed without you actively agreeing to them — simply continuing to use the platform is treated as acceptance....

California residents have specific rights under state law including the right to know what data Target has collected, the right to delete it, the right to correct inaccuracies, and the right to opt out of the sale or sharing of their personal information....

Why it matters: These are legally enforceable rights, not just policy commitments, meaning Target must respond to your requests within specific timeframes and cannot discriminate against you for exercising them....

Target uses your shopping and browsing data to show you personalized ads both on its own platforms and across other websites and apps through advertising partners....

Why it matters: Your online behavior across Target and other sites is being tracked and used to create an advertising profile, which is shared with ad networks that may follow you around the internet....

When you participate in Target Circle, Target collects detailed data about your purchases, preferences, and interactions to personalize offers and build a behavioral profile....

Why it matters: Loyalty program participation dramatically expands the data Target can link to your identity, including every purchase you make in-store and online, which is then used for marketing and can be shared with partners....

Target shares your personal information with third-party companies that help run its business, including analytics providers, payment processors, delivery partners, and advertising networks....

Why it matters: Your data flows to many companies beyond Target, and while service providers are contractually bound by restrictions, advertising and analytics partners may use your data for their own purposes....

Target states that its online services are not directed to children under 13 and that it does not knowingly collect personal information from children under 13 without parental consent....

Why it matters: If a child under 13 uses Target's services, there is limited safeguards infrastructure described in the policy, and parents should be aware that Target's platforms are not designed with child safety protections....

Target retains your personal information for as long as necessary to fulfill the purposes described in the policy, which may include ongoing business, legal, and compliance needs....

Why it matters: Open-ended retention periods mean Target may hold your data indefinitely, which increases the risk of data breach exposure and limits your ability to ensure your information is no longer in use....

When you upload or create content on Figma, you give Figma a broad, worldwide license to use, host, reproduce, and display that content to provide and improve their services....

Why it matters: While you retain ownership of your designs, Figma can use your content in ways beyond just storing it — including to develop and improve their products....

Figma can suspend or terminate your account at any time, with or without notice, if they believe you have violated their terms or for other reasons at their discretion....

Why it matters: Your access to your designs and projects could be cut off without warning, potentially disrupting your work or causing loss of access to important files....

Figma's financial liability to you is capped — typically at the amount you paid them in the past 12 months — and they are not responsible for indirect losses like lost profits or data loss....

Why it matters: If Figma makes a serious error that causes you significant financial harm, you may only be able to recover a limited amount, regardless of actual damages suffered....

You agree to defend and pay Figma's legal costs if a third party sues them because of something you did or content you uploaded on their platform....

Why it matters: If your use of Figma causes legal problems for them — for example, due to infringing content — you could be responsible for paying their legal fees and any resulting damages....

Figma can change these Terms of Service at any time and your continued use of the platform after changes are posted means you accept the new terms....

Why it matters: Your rights and obligations can change without requiring your explicit consent, meaning important protections could be reduced without you actively agreeing to the change....

Paid Figma subscriptions automatically renew at the end of each billing period and you will be charged unless you cancel before the renewal date....

Why it matters: If you forget to cancel your subscription before the renewal date, you will be charged for another billing period and may not receive a refund....

When you send messages, photos, videos, or other content through WhatsApp, you grant WhatsApp a license to use, reproduce, and distribute that content to operate and improve the service....

Why it matters: This license means WhatsApp has broad rights over the content you share, which could include using it for service improvement, security purposes, or compliance with legal obligations....

WhatsApp can suspend or terminate your account at any time if they believe you have violated their Terms of Service or for any other reason they deem appropriate....

Why it matters: WhatsApp retains broad unilateral authority to disable your account, which could result in permanent loss of your message history, contacts, and access to the service without meaningful recourse....

WhatsApp can change these Terms of Service at any time, and your continued use of the service after changes are posted constitutes your agreement to the new terms....

Why it matters: You may be bound by new terms you haven't explicitly reviewed or consented to, simply by continuing to use WhatsApp after a change is made....

WhatsApp requires users to be at least 13 years old (16 in some regions) to use the service, and parents are responsible for ensuring their children comply with this requirement....

Why it matters: If a child under the minimum age uses WhatsApp, their account may be terminated and their data deleted, but WhatsApp's enforcement mechanisms are limited....

For US users, disputes are governed by California law. For EEA and UK users, WhatsApp Ireland Limited or WhatsApp UK Limited is the responsible entity, subject to local laws....

Why it matters: The governing law determines what legal protections apply to you — US users get California law, while EEA/UK users benefit from stronger EU and UK consumer protection frameworks....

You must not use WhatsApp to send spam, illegal content, harmful content, or anything that violates their policies. WhatsApp can remove content and suspend accounts that violate these rules....

Why it matters: WhatsApp has broad discretion to determine what constitutes a violation and to act against accounts, which could affect legitimate users if moderation decisions are incorrect....