Provisions Index

Betterment may share your personal and financial information with financial company partners for joint marketing purposes, which means these partners can use your data to market their own products to you....

Why it matters: Your sensitive financial information could be shared with other companies for advertising purposes without you necessarily being aware, impacting your privacy....

Betterment uses your browsing and behavioral data to serve targeted advertisements across different websites and platforms, but you can opt out of this practice....

Why it matters: Your online behavior while using Betterment may be tracked and shared with advertisers, which is a significant data privacy consideration for many consumers....

If you live in California, you have specific rights under state law to access, delete, correct, or limit the use of your personal information that Betterment holds....

Why it matters: California residents have stronger legal protections over their data than users in most other states, including the right to know exactly what Betterment collects and to have it deleted....

Betterment shares your personal information with third-party service providers that help operate the platform, such as technology vendors, customer support services, and analytics providers....

Why it matters: Your data is shared with multiple external vendors, each of which becomes a potential point of risk for data breaches or misuse....

Riot may transfer your personal data to countries outside your home region, including the United States, which may have different or weaker privacy protections than your home country....

Why it matters: If you are in the EU or UK, your data may be transferred to the US or other countries under mechanisms like Standard Contractual Clauses, but these transfers carry inherent legal uncertainty following cases like Schrems II....

If you live in the EU, UK, or California, you have the right to access, correct, delete, or export your personal data, and in some cases to object to or restrict how it is processed....

Why it matters: These rights give you meaningful control over your personal information and allow you to hold Riot accountable for how your data is used....

Riot collects detailed data about how you play their games, including your in-game actions, match history, communication logs, and interaction patterns, to improve services and for other business purposes....

Why it matters: Comprehensive behavioral profiling can be used for purposes beyond game improvement, including targeted advertising, and creates a detailed picture of your habits and preferences over time....

Riot retains your personal data for as long as your account is active or as needed to provide services, and may keep certain data for longer periods for legal, business, or security reasons....

Why it matters: Open-ended data retention means your personal information could be held indefinitely without clear limits, increasing the risk of exposure in a data breach or misuse over time....

Riot uses cookies and similar tracking technologies on its websites and in its games to collect data about your browsing and gameplay behavior, and to serve personalized advertising....

Why it matters: Tracking technologies can follow your activity across websites and services, building a profile that is shared with advertising partners without you necessarily being aware of the full scope....

Any feedback, comments, or suggestions you give Redfin about their services become Redfin's property — they own it outright and can use it however they want, forever....

Why it matters: You permanently lose any ownership rights to ideas or suggestions you share with Redfin, and they owe you nothing in return for using your feedback commercially....

When you upload content to Redfin (like property photos or comments), you give Redfin a free, worldwide license to use, reproduce, distribute, and display that content, including sharing it with affiliates and subcontractors....

Why it matters: Redfin can use your uploaded content — including listing photos and property information — broadly across their platform and with third parties, without paying you or needing further permission....

Redfin can change these terms at any time, and your continued use of their services after changes are posted means you accept the new terms....

Why it matters: Redfin can alter the agreement — including arbitration terms, liability limits, and data use rights — without requiring your explicit consent, just by posting updates and continuing to use the service....

Redfin can suspend or terminate your account and block your access to their services at any time, for any reason, at their sole discretion....

Why it matters: If Redfin terminates your account, you could lose access to saved searches, property data, and communication history with agents, potentially at a critical point in a real estate transaction....

The homepage source code includes multiple third-party tracking scripts such as Freshpaint, OneTrust, Visual Website Optimizer (VWO), Marketo Munchkin, and Bizible, which may collect user behavioral data when visiting the site....

Why it matters: For a healthcare company like Teladoc, the use of third-party tracking pixels and analytics tools on web properties can implicate HIPAA if those tools receive individually identifiable health information, a concern regulators have increasingly scrutinized....

When you delete your Tinder account, Tinder does not immediately delete all your data — it retains certain information for defined periods to comply with legal obligations, resolve disputes, and enforce its policies....

Why it matters: Users who delete their accounts expecting their data to disappear may be surprised to learn that Tinder retains some of their personal data for an extended period after deletion....

Tinder uses automated processes to make decisions about your account, including safety-related decisions such as banning accounts and matching decisions that determine who you see in the app....

Why it matters: Automated decisions can affect your ability to use the service and who you are matched with, without meaningful human review or explanation of the criteria used....

Tinder may share your personal data with law enforcement agencies, courts, or government bodies when required by law, or when it believes disclosure is necessary to protect safety or enforce its policies....

Why it matters: Your private messages, location data, and profile information could be disclosed to government agencies without your knowledge or consent under certain legal circumstances....

Tinder transfers your personal data internationally, including from the EU and UK to the United States, and relies on legal mechanisms such as Standard Contractual Clauses to legitimise these transfers....

Why it matters: Data transferred to the US from the EU or UK may be subject to different legal protections, including potential access by US intelligence agencies under US surveillance law....

Twilio's total financial liability to you for any claims is capped at the amount you paid Twilio in the 12 months before the incident, and Twilio is not liable for indirect or consequential damages....

Why it matters: Even if Twilio's service failure causes significant business losses — such as missed communications, lost customers, or regulatory fines — you can only recover a limited amount from Twilio....

Twilio can change its Terms of Service at any time, and your continued use of the platform after changes are posted means you have accepted the new terms....

Why it matters: You could be bound by new, potentially less favorable terms simply by continuing to use the service, even if you did not actively review or agree to the changes....

Twilio prohibits use of its platform for certain types of content or communications, including spam, illegal activities, and content that violates third-party rights, and reserves the right to enforce these restrictions....

Why it matters: Violations of the acceptable use policy can result in immediate account suspension, and customers are responsible for ensuring all communications sent through their applications comply with these rules....

You are responsible for all charges incurred on your account, including usage-based fees, and Twilio may suspend your account if payment is not received....

Why it matters: Because Twilio's pricing is largely usage-based, unexpected traffic spikes — including from unauthorized use of your API credentials — could result in significant unexpected charges that you remain obligated to pay....

Twilio may collect and use data about your use of the platform for product improvement, security, and compliance purposes, with more detailed privacy terms available in a separate privacy policy....

Why it matters: Business customers and their end users' communications data passes through Twilio's infrastructure, making it critical to understand what data Twilio retains, uses, and shares....

When you post content on Eventbrite — such as event descriptions, photos, or other materials — you grant Eventbrite a worldwide, royalty-free license to use, reproduce, modify, and distribute that content....

Why it matters: Eventbrite can use your content for its own purposes, including marketing and promotion, without paying you or asking for additional permission each time....

Eventbrite's services are not intended for users under 13 years old, and users between 13 and 18 may only use the platform with parental consent and subject to additional restrictions....

Why it matters: Parents should be aware that minors using Eventbrite require guardian oversight and that certain platform features may be restricted or prohibited for underage users....

Eventbrite's Terms are governed by the laws of California, and any disputes that proceed to court (outside arbitration) must be brought in California courts....

Why it matters: If you live outside California, you may need to travel or engage California-licensed legal counsel to pursue any court-based dispute with Eventbrite, creating a practical barrier to legal action....

Eventbrite prohibits users from posting illegal, harmful, fraudulent, or abusive content, and reserves the right to remove content and suspend accounts that violate these rules....

Why it matters: Organizers who inadvertently violate content policies risk having their events removed and accounts suspended, which could result in financial loss and reputational harm....

Eventbrite collects personal data from users and incorporates its Privacy Policy by reference, which governs how your data is collected, used, and shared with third parties including organizers....

Why it matters: When you buy a ticket, your personal data — including name, email, and payment information — may be shared with event organizers and third-party service providers, and you should review the Privacy Policy to understand your rights....

If you share any content through Calm (such as posts or social media content tagging Calm), you give Calm a permanent, worldwide, royalty-free right to use, modify, and distribute that content for any business purpose without paying you....

Why it matters: Any content you share in connection with Calm — including social media posts tagging Calm — can be used by Calm for marketing and commercial purposes without your additional consent or compensation....

You are required to personally pay Calm's legal costs and defend Calm against any claims that arise from your use of the app or your content, even including attorneys' fees....

Why it matters: This means everyday users could be held financially responsible for lawsuits filed against Calm that relate to how you used the app or what you posted....

Calm explicitly states it is not a medical provider, cannot diagnose or treat any condition, and is not a substitute for professional medical care....

Why it matters: Users should not rely on Calm's meditation or sleep content as a replacement for medical advice or treatment, even though the app markets itself for health and wellness benefits....

Calm can terminate your account or subscription at any time, without notice, if it believes you have violated the Terms....

Why it matters: You could lose access to content you have paid for — including lifetime subscriptions — without warning and with no refund rights....

You must be at least 16 years old to use Calm, and users under the age of majority in their region must have a parent or guardian agree to the Terms on their behalf....

Why it matters: Parents are legally responsible for their children's activity on Calm, including any subscriptions or purchases made by minors under a family plan....

Fiverr collects a wide range of information about you including your name, email, payment details, messages with other users, and how you browse and use the platform....

Why it matters: Understanding what data is collected helps you assess your privacy exposure and decide whether you're comfortable using the platform....

Fiverr uses cookies and similar tracking tools to monitor your behavior on their site and across the internet to personalize your experience and serve targeted ads....

Why it matters: Tracking technologies can follow you across websites and build a detailed picture of your interests and habits, often without you realizing it....

You have the right to ask Fiverr to show you what data they hold about you, delete it, or give you a copy to take elsewhere, depending on where you live....

Why it matters: These rights give you meaningful control over your personal information and are legally enforceable in the EU, UK, and California....

Fiverr may transfer your personal data to other countries, including the United States, which may have different privacy protections than your home country....

Why it matters: When your data is transferred internationally, it may be subject to weaker privacy laws or government access powers in the destination country....

Fiverr keeps your personal data for as long as needed to run its business or comply with legal requirements, even after you stop using the platform....

Why it matters: Long retention periods mean your data may be stored and potentially accessible for years after you close your account or stop using Fiverr....

If you're in the EU or EEA, you have the right to access, correct, delete, or restrict the processing of your data, and to object to certain uses including direct marketing....

Why it matters: GDPR gives European users legally enforceable rights over their personal data, and Fiverr must comply or face significant regulatory penalties....

Fiverr uses data about how you use the platform to build a profile of your interests and preferences, which it uses to personalize what you see and the ads you receive....

Why it matters: Profiling can affect what opportunities, services, or prices you're shown on the platform, and raises concerns about fairness and transparency in automated decision-making....

When you use Klarna to pay at a retailer, Klarna shares relevant personal data about you with that merchant, which may include your contact details, transaction information, and certain profile data....

Why it matters: Sharing your personal data with merchants means more parties than just Klarna hold your information, and each merchant's own privacy practices will then govern how they use your data....

Klarna processes some of your personal data based on what they call 'legitimate interests' — meaning they have decided their business reasons for using your data outweigh your privacy interests, without asking for your consent....

Why it matters: When Klarna relies on legitimate interests rather than your consent, you cannot simply withdraw consent to stop processing — you must instead object to the processing, which places the burden on you....

Klarna may transfer your personal data to countries outside the EU or UK, including countries that may not have the same level of data protection laws as your home country....

Why it matters: When your data is transferred internationally, it may be subject to weaker privacy protections or accessed by foreign governments, reducing the level of control you have over your personal information....

Klarna uses your personal data to assess fraud risk and may share data with fraud prevention agencies and other financial institutions for this purpose....

Why it matters: Automated fraud risk assessments can affect your ability to use Klarna's services or make purchases, and data shared with fraud prevention networks may persist for extended periods....

Klarna retains your personal data for as long as necessary to provide services and comply with legal obligations, which may mean your data is kept for several years after you stop using Klarna....

Why it matters: Long retention periods mean your financial and personal data remains in Klarna's systems long after you have stopped using the service, increasing the risk of data exposure over time....

California residents have additional rights under state law, including the right to know what personal information Klarna sells or shares, the right to opt out of the sale or sharing of their data, and the right not to be discriminated against for exercising these rights....

Why it matters: California law gives residents stronger privacy rights than federal law, including an explicit right to stop Klarna from selling or sharing your personal data with advertisers and data brokers....

Ledger discloses that transactions conducted on public blockchains are inherently visible to anyone and cannot be deleted or altered, as this is a fundamental characteristic of blockchain technology....

Why it matters: Any crypto transaction you make using a Ledger device is permanently recorded on a public blockchain and linked to your wallet address, which could potentially be traced back to you....

EU and UK users have the right to access, correct, delete, restrict, or port their personal data, and to object to certain types of processing including direct marketing....

Why it matters: These rights give you meaningful control over your personal information held by Ledger, including the ability to request a full copy of your data or ask for it to be deleted....

California residents have additional rights under the California Consumer Privacy Act, including the right to know what personal data is collected and sold, the right to opt out of sale, and the right to non-discrimination for exercising their rights....

Why it matters: If you are a California resident, you have stronger legal rights over your personal data than most US users, including the right to stop Ledger from selling your information....

Ledger relies on 'legitimate interest' as a legal justification for certain data processing activities including analytics, fraud prevention, and some marketing activities, without requiring your explicit consent for these uses....

Why it matters: This means Ledger can process some of your personal data without asking your permission, though you do have the right to object to this type of processing....