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ElevenLabs
· ElevenLabs Privacy Policy
ElevenLabs retains personal information for the duration necessary to fulfill stated collection purposes and to comply with legal, accounting, and reporting obligations, without specifying fixed retention periods for individual data categories....
Why it matters: The absence of specific retention periods for individual data categories, particularly voice recordings and voice models, creates potential tension with GDPR's data minimization and storage limitation principles, which require that retention periods be specified or determinable....
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Skillshare
· Skillshare Terms of Service
Skillshare may terminate or suspend user access to the platform, in whole or in part, for any reason or no stated reason, including for violations of the Terms of Service....
Why it matters: This provision reserves broad discretionary authority for Skillshare to terminate or suspend accounts without stated cause. Under this clause, users including paid subscribers and content creators may lose access to the platform and their content without specific procedural protections beyond those stated elsewhere in the terms....
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Skillshare
· Skillshare Terms of Service
Paid subscriptions automatically renew at the end of each billing period and users authorize recurring charges to their payment method unless they cancel before the renewal date....
Why it matters: This provision establishes automatic recurring billing authorization for all paid subscription tiers. Users must take affirmative action to cancel before each renewal date to avoid being charged for the next subscription period....
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Skillshare
· Skillshare Terms of Service
The agreement states that Skillshare and its officers, directors, employees, agents, and licensors are not liable for indirect, incidental, special, consequential, or punitive damages arising from use of or inability to use the services, including loss of profits, data, or goodwill....
Why it matters: This provision caps the types of recoverable damages users may seek from Skillshare to direct damages only, excluding consequential, incidental, and punitive damages. The practical scope of this limitation depends on applicable law in the user's jurisdiction, as the provision is qualified by the phrase 'to the maximum extent permitted by applicable law.'...
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Skillshare
· Skillshare Terms of Service
The agreement prohibits a range of user conduct including unauthorized copying or distribution of platform content, use of automated systems or scrapers, sending unsolicited communications, interfering with platform integrity, and accessing unauthorized platform areas....
Why it matters: The acceptable use restrictions define the conditions under which accounts may be suspended or terminated. Violations of these provisions are expressly listed as grounds for account termination under the discretionary termination clause....
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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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Skillshare
· Skillshare Terms of Service
The agreement states that the Terms of Service are governed by New York law, without regard to conflict of law rules....
Why it matters: The New York governing law clause determines the substantive law applicable to disputes between users and Skillshare, including interpretation of the arbitration provision and any claims not covered by federal law. This choice of law may affect users' ability to invoke consumer protection rights under their home state or country law....
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Skillshare
· Skillshare Terms of Service
Users agree to indemnify and defend Skillshare, its affiliates, officers, directors, and employees against all claims, damages, liabilities, and expenses including attorney's fees arising from the user's use of the service, violations of the terms, violations of third-party rights, or damage caused by user-submitted content....
Why it matters: This provision requires users to bear the cost of defending Skillshare against third-party claims arising from user conduct or content. The indemnification scope covers attorney's fees and all associated costs, which could create significant financial exposure for users whose content or conduct gives rise to third-party claims....
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Roblox
· Roblox Privacy Policy
The policy states that personalized advertising is disabled for users under 13 by default and is not available to any user under the age of 18, regardless of account settings....
Why it matters: This provision establishes a hard age threshold of 18 for personalized advertising participation, which the April 2026 update added clarifying language to address. This clause directly governs which user populations are eligible for behavioral or interest-based advertising on the platform and is relevant to both COPPA compliance for under-13 users and broader youth advertising regulatory frameworks....
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Roblox
· Roblox Privacy Policy
The April 2026 update added language to the policy describing Roblox's practices for sharing user information with governmental authorities; the specific language of this provision was not fully reproduced in the truncated document text provided....
Why it matters: Disclosure of practices for sharing information with authorities is relevant to government request transparency and user notice obligations under GDPR, which generally requires disclosure of lawful bases for processing that includes compliance with legal obligations, and under US state privacy laws that require disclosure of law enforcement data sharing....
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Roblox
· Roblox Privacy Policy
The policy states that account deletion initiates permanent data deletion but permits retention and processing of persistent identifiers such as IP addresses and device identifiers for up to two years after deletion for stated safety and security purposes....
Why it matters: This provision establishes a two-year post-deletion retention period for persistent identifiers, which creates a materially longer data lifecycle than account deletion alone would suggest. Under GDPR, retention beyond what is necessary for the original purpose requires a documented lawful basis and proportionality justification; under CCPA and similar state laws, users' deletion rights may be subject to exceptions for security and fraud prevention purposes....
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Roblox
· Roblox Privacy Policy
The policy states that Roblox applies both human and automated filtering to public content areas to remove personal information, phishing attempts, and prohibited content, while acknowledging that these systems are not fully effective....
Why it matters: This provision discloses that user-generated content in public areas is subject to both human review and automated moderation, which involves Roblox processing the content of user communications. The acknowledgment that filtering is not 100% effective is a material disclosure relevant to user safety expectations, particularly for a platform with a large population of minor users....
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Robinhood
· Robinhood Customer Agreement
The Robinhood legal disclosure library page presents multiple linked legal documents covering distinct product lines and operating entities rather than a single unified terms of service agreement, meaning applicable terms vary by product and account type....
Why it matters: This provision structure requires users to identify and review multiple separate agreements to understand the full scope of their contractual obligations and rights, with the operative document depending on which Robinhood product or account they hold....
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Robinhood
· Robinhood Customer Agreement
As a FINRA-registered broker-dealer, Robinhood's brokerage customer agreements standardly require that disputes arising from brokerage services be resolved through FINRA arbitration rather than court litigation, consistent with FINRA Rule 12200....
Why it matters: This provision requires brokerage customers to resolve disputes through the FINRA arbitration forum, a mandatory industry-standard mechanism for broker-dealer disputes that operates under FINRA Rules 12000 through 12900....
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Robinhood
· Robinhood Customer Agreement
The Robinhood disclosure library links to a Privacy Policy that governs the collection, use, and sharing of personal and financial data across Robinhood's brokerage, crypto, cash management, and subscription products....
Why it matters: The Privacy Policy linked from this disclosure library governs what personal, financial, and behavioral data Robinhood collects from users across its platform, and the terms under which that data may be shared with third parties or used for product and marketing purposes....
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Robinhood
· Robinhood Customer Agreement
The disclosure library references Robinhood Gold as a subscription product, the terms of which are linked separately and govern recurring subscription fees, features, eligibility, and cancellation procedures....
Why it matters: The Robinhood Gold subscription agreement establishes the fee structure, auto-renewal terms, and cancellation procedures applicable to paying subscribers, and determines eligibility for features including margin investing, higher instant deposit limits, and premium data....
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Robinhood
· Robinhood Customer Agreement
The brokerage customer agreement linked from the disclosure library governs the terms under which users may open and maintain a Robinhood brokerage account, including eligibility requirements, account restrictions, margin account conditions, and options trading approvals....
Why it matters: This provision establishes the contractual framework governing account access, trading permissions, and account restriction or suspension procedures applicable to Robinhood brokerage customers....
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Substack
· Substack Terms of Use
Users grant Substack a royalty-free, perpetual, irrevocable, worldwide license to translate, modify, and reproduce their posted content for the purpose of operating and improving the platform. The agreement states this license does not transfer ownership of content to Substack....
Why it matters: This provision establishes that the content license granted to Substack persists indefinitely regardless of account deletion or cessation of service use, and applies to all posts including publications, subscriber lists, text, and photos uploaded to the platform. Under this clause, Substack retains the right to continue using licensed content in modified or adapted forms even after a user's account is closed....
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Substack
· Substack Terms of Use
The agreement requires that all disputes related to these Terms be resolved through individual binding arbitration administered by JAMS in San Francisco County, California, conducted by a single commercial arbitrator. Users and Substack each waive the right to participate in class action proceedings....
Why it matters: This provision requires disputes to proceed through individual arbitration rather than court litigation, and establishes JAMS Streamlined Arbitration Rules as the governing procedure with venue fixed in San Francisco County. Under this clause, users waive participation in class or collective actions, meaning disputes must be pursued individually through the arbitration process....
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Substack
· Substack Terms of Use
The agreement caps Substack's total aggregate liability to any user at the greater of $100 or the amounts the user paid to Substack in the preceding twelve months, and excludes indirect, special, incidental, or consequential damages entirely. This cap applies to the fullest extent permitted by applicable law....
Why it matters: This provision establishes a specific monetary ceiling on Substack's liability exposure per claim, which for free-tier users would be capped at $100. The exclusion of consequential and indirect damages limits the categories of loss users may recover in any dispute proceeding, including through the arbitration process established elsewhere in the agreement....
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Substack
· Substack Terms of Use
The agreement authorizes Substack to terminate or suspend any user account at its sole discretion for any reason, with advance notice provided only when Substack determines it is practical and appropriate. The commitment to provide advance notice is qualified and not absolute....
Why it matters: This provision establishes that account termination and suspension are exercised at Substack's sole discretion without a requirement to demonstrate cause, and that advance notice before termination is a best-effort commitment rather than a contractual guarantee. For creators who depend on Substack for subscriber management and revenue, this creates an operational dependency without a defined termination notice period....
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Substack
· Substack Terms of Use
The agreement requires users to indemnify Substack, its affiliates, officers, agents, employees, and partners against all claims, damages, and expenses including attorneys' fees arising from the user's platform use or terms violations, including actions taken by third parties using the user's account....
Why it matters: This provision establishes a broad indemnification obligation covering actual and consequential damages as well as attorneys' fees, extending to claims arising from third-party use of the user's account. Under this clause, users bear financial responsibility for defending Substack against third-party claims connected to their account activity even where the specific action was taken by another person using their credentials....
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Substack
· Substack Terms of Use
The agreement authorizes Substack to change the Terms at any time with notice provided via website posting, email, or other means. Continued use of the platform after a terms change constitutes acceptance of the revised terms, and rejection means the user may no longer use Substack....
Why it matters: This provision establishes that Substack may modify the Terms unilaterally and that continued platform use after notice constitutes binding acceptance of the changes. The agreement does not specify a minimum notice period before changes become effective, and notice may be provided by means including website posting alone....
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YouTube
· YouTube Community Guidelines
The document states that YouTube Partner Program participation requires adherence to monetization policies, a pre-admission channel review, and ongoing compliance with Advertiser-Friendly Guidelines, with demonetization of non-compliant videos and YPP suspension for repeat violations....
Why it matters: This provision establishes the conditions under which creator monetization eligibility is granted and revoked, including a discretionary channel review process and an unspecified threshold for what constitutes a repeat offense triggering YPP suspension....
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YouTube
· YouTube Community Guidelines
The document states that violating content is identified through a combination of automated detection systems and human reporting, with most detection occurring automatically, and that YouTube attempts to limit viewing of violating content prior to removal....
Why it matters: This provision discloses that automated systems are the primary mechanism for content moderation enforcement, which is operationally significant for creators and advertisers because automated detection errors may affect content availability before any human review or appeal occurs....
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YouTube
· YouTube Community Guidelines
The document states that content praising, promoting, or aiding violent extremist or criminal organizations is prohibited, and that YouTube uses government and international organization designations among other factors to define which organizations qualify....
Why it matters: This provision discloses that YouTube's definition of prohibited extremist content is partially determined by reference to external government and international organization designation lists, which may vary by jurisdiction and change over time, affecting which content is subject to removal....
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YouTube
· YouTube Community Guidelines
The document states that YPP creators must comply with Advertiser-Friendly Content Guidelines as a condition of having advertisements served on their content and receiving a share of advertising revenue....
Why it matters: This provision establishes that ad revenue eligibility for YPP creators is conditioned on compliance with Advertiser-Friendly Guidelines, which are a separate policy document from the Community Guidelines. Creators whose content complies with Community Guidelines but not Advertiser-Friendly Guidelines may still face demonetization....
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Rumble
· Rumble Terms of Service
Rumble disclaims liability for indirect, incidental, special, consequential, punitive, and exemplary damages arising from platform use, including loss of profits, data, or goodwill, to the maximum extent permitted by applicable law....
Why it matters: This provision limits the categories of recoverable damages available to users in the event of a claim against Rumble, excluding consequential and punitive damages regardless of whether Rumble had prior notice of the potential harm....
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Rumble
· Rumble Terms of Service
Rumble states that its services are not directed at children under 13, disclaims knowing collection of personal information from children under 13, and provides a contact email for reporting such data collection....
Why it matters: This provision establishes Rumble's COPPA compliance posture through a prohibition and disclaimer structure rather than an affirmative age verification mechanism, placing responsibility for compliance on user self-attestation....
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Rumble
· Rumble Terms of Service
Users agree to indemnify and hold harmless Rumble, its affiliates, officers, directors, employees, and agents from any claims, damages, liabilities, and costs including attorney's fees arising from the user's platform use, terms violations, third-party rights violations, or content that causes third-party harm....
Why it matters: This provision requires users to bear the cost of defending Rumble against third-party claims arising from user conduct or content, including claims by third parties that user-uploaded content infringed their rights, which could create financial exposure for creators in the event of copyright or defamation disputes....
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Rumble
· Rumble Terms of Service
Rumble reserves the right to suspend or terminate any user account at any time, for any reason, with or without notice, at its sole discretion; users may terminate their own accounts by discontinuing use or contacting support....
Why it matters: This provision authorizes Rumble to terminate user accounts and deny platform access without prior notice and without cause, which affects creators who rely on the platform for content distribution and monetization....
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Rumble
· Rumble Terms of Service
The terms are governed by Florida law and non-arbitrable disputes must be litigated exclusively in state or federal courts in Hillsborough County, Florida, with users consenting to personal jurisdiction there....
Why it matters: This provision requires non-arbitrable disputes to be litigated in Florida courts, which may create a practical burden for users located in other states or countries who wish to pursue court-based claims against Rumble....
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Rumble
· Rumble Terms of Service
Users are solely responsible for content they upload or post and agree not to post content that is unlawful, harmful, abusive, defamatory, obscene, privacy-invasive, hateful, or that infringes third-party intellectual property rights or contains malicious code....
Why it matters: This provision places sole responsibility on users for uploaded content and establishes categories of prohibited content, with violations potentially triggering the account termination provisions and the indemnification obligations described elsewhere in the terms....
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OpenRouter
· OpenRouter Terms of Service
The agreement requires all disputes between users and OpenRouter to be resolved through binding individual arbitration administered by JAMS, rather than through court proceedings, except for small claims matters. Users waive participation in class action litigation under these terms....
Why it matters: This provision requires disputes to proceed through individual arbitration under JAMS Streamlined Arbitration Rules, which determines the procedural forum and precludes consolidated or class proceedings. The terms include a 30-day written opt-out window from the date of first acceptance, making this a time-sensitive provision for newly onboarded users and organizations....
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OpenRouter
· OpenRouter Terms of Service
The agreement limits refund eligibility for unused pre-paid Credits to a 24-hour window from the time of transaction processing, after which unused Credits become non-refundable. Platform fees are non-refundable in all cases, and cryptocurrency payments carry no refund eligibility under any circumstances....
Why it matters: This provision establishes a 24-hour refund window as the contractual limit for credit recovery, which is operationally narrow. Platform fees and cryptocurrency payments are categorically excluded from refund eligibility, creating financial terms that users should assess before purchasing, particularly for large credit transactions up to the $25,000 maximum....
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OpenRouter
· OpenRouter Terms of Service
The agreement reserves the right to expire unused Credits 365 days after purchase. An optional Auto Recharge feature automatically charges the user's payment method when their Credit balance falls below a user-defined threshold; this feature can be cancelled at any time through the account page....
Why it matters: This provision establishes that pre-paid Credits have a finite shelf life of 365 days, which creates a financial forfeiture risk for infrequent users who accumulate credits. The Auto Recharge authorization, once enabled, permits recurring automated charges to the user's payment method until explicitly cancelled....
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OpenRouter
· OpenRouter Terms of Service
The agreement grants OpenRouter a worldwide, royalty-free, sublicensable license to use, reproduce, process, adapt, modify, publish, transmit, display, and distribute content submitted by users through the service, across all current and future media and distribution methods....
Why it matters: This provision establishes a broad content license covering all user-submitted content, including prompts and other inputs, with sublicensing rights and an open-ended scope covering future distribution methods. The license terms govern how OpenRouter may use content submitted through API calls and the chat interface....
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OpenRouter
· OpenRouter Terms of Service
The agreement excludes OpenRouter's liability for indirect, incidental, special, consequential, or punitive damages arising from service use, inability to access the service, third-party conduct, content obtained from the service, or unauthorized access to user transmissions, to the fullest extent permitted by applicable law....
Why it matters: This provision limits OpenRouter's financial exposure for a broad range of loss categories including lost profits, data loss, and consequential damages arising from service interruptions or third-party AI model outputs. The limitation applies across all legal theories and regardless of prior notice of potential damage....
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OpenRouter
· OpenRouter Terms of Service
The agreement requires users to defend and indemnify OpenRouter and its affiliates against claims, liabilities, damages, and legal fees arising from the user's violation of the terms or unauthorized use of the service....
Why it matters: This provision creates a contractual obligation for users to cover OpenRouter's legal costs and liabilities arising from the user's terms violations or unauthorized service use. The indemnification obligation applies to use of content and information obtained from the service beyond expressly authorized purposes....
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OpenRouter
· OpenRouter Privacy Policy
The policy reserves the right to modify its terms at any time without prior notice for non-material changes, with retroactive application to existing personal data; material changes affecting registered users' data collection, use, or disclosure will be communicated by email in advance....
Why it matters: This provision establishes that non-material policy modifications take effect upon posting without individual notification, and that continued use of the Site or Service constitutes acceptance of revised terms, including changes applicable to previously collected personal data....
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OpenRouter
· OpenRouter Privacy Policy
The policy states that OpenRouter automatically collects traffic data, location data, log files, browser history, search queries, clicked links, page views, IP address, operating system, browser type, time zone, and other unique device or online identifiers as users interact with the Site or Service....
Why it matters: This provision authorizes collection of a broad set of behavioral and device-level identifiers through automatic technologies, including data categories such as location data and browser history that may constitute personal data or sensitive data under applicable privacy frameworks....
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OpenRouter
· OpenRouter Privacy Policy
The policy states that OpenRouter uses first-party and third-party cookies to collect information about user activities over time and across third-party websites and online services, including for the purpose of delivering content tailored to user interests....
Why it matters: This provision authorizes cross-site behavioral tracking through third-party cookies, a data practice that engages both GDPR consent requirements and CCPA opt-out rights, and that the policy links to marketing and content personalization purposes....
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OpenRouter
· OpenRouter Privacy Policy
The policy authorizes disclosure of user personal data to third parties in connection with corporate transactions including mergers, asset sales, financing events, or acquisitions, including during negotiation phases....
Why it matters: This provision establishes that personal data may be transferred to prospective acquirers or transaction counterparties prior to completion of a corporate transaction, without individualized user consent at the time of transfer....
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OpenRouter
· OpenRouter Privacy Policy
The policy acknowledges that California residents may have additional rights under California law regarding the use of their personal information, and references a separate CCPA privacy notice for details....
Why it matters: This provision establishes that CCPA-specific rights are documented in a separate notice rather than in the main policy, requiring California residents to locate and review an additional document to understand the full scope of their data rights....
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OpenRouter
· OpenRouter Privacy Policy
The policy authorizes sharing of personal data with vendors, service providers, agents, and business partners for purposes including data analytics, business analytics, customer service, marketing, distribution, and promotional offers....
Why it matters: This provision establishes that personal data may be disclosed to an unspecified number of third-party vendors and business partners across analytics, marketing, and distribution functions, without enumerating specific recipients or requiring individual user consent at each disclosure....
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Canva
· Canva Terms of Use
Users grant Canva a royalty-free, sublicensable, worldwide license to reproduce, modify, publicly display, translate, create derivative works from, and distribute user-created or user-uploaded content across any media format or channel for the purposes of operating, developing, promoting, and improving the Service....
Why it matters: This provision establishes the scope of intellectual property rights Canva holds over user-generated content submitted to the platform, including sublicensing rights that permit Canva to authorize third parties to use that content within the stated purposes. The breadth of the license, covering modification, derivative works, and distribution across all media channels, may have implications for users who submit proprietary or commercially sensitive creative assets....
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Canva
· Canva Terms of Use
Canva reserves the right to suspend or terminate user accounts and discontinue the Service or any part of it at any time, with or without notice, and without liability to the user or any third party....
Why it matters: This provision establishes that account suspension or termination may occur without prior notice and without Canva incurring liability, which may affect users who rely on the platform for ongoing business or educational workflows. The absence of a guaranteed notice period or appeal process in the standard terms creates operational dependency risk for enterprise and professional users....
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Canva
· Canva Terms of Use
Users under 13 are prohibited from using the Service. Users between 13 and 18 may access the Service only with parental or guardian approval. Canva states it does not knowingly collect personal information from children under 13....
Why it matters: This provision establishes the minimum age threshold for Service use and conditions access for minors between 13 and 18 on parental approval. The provision engages COPPA (Children's Online Privacy Protection Act) for US users under 13, and similar child privacy frameworks in other jurisdictions, including the EU's GDPR provisions regarding children's data....
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Canva
· Canva Terms of Use
Canva excludes liability for indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, goodwill, or intangible losses, arising from use or inability to use the Service, unauthorized server access, transmission interruptions, third-party malware, or content errors, to the maximum extent permitted by applicable law....
Why it matters: This provision limits the categories of damages users may recover from Canva in connection with Service failures, data breaches, or content-related losses, subject to applicable law. The clause is qualified by the phrase 'to the maximum extent permitted by applicable law,' which means consumer protection statutes in certain jurisdictions may limit how broadly this exclusion applies in practice....
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Canva
· Canva Terms of Use
The agreement assigns a distinct contracting entity and governing law jurisdiction based on the user's country of residence: Canva Pty Ltd (New South Wales law) for Australia and New Zealand; Canva Austria GmbH (Irish law) for EEA, Switzerland, and UK; and Canva US Inc. (Delaware law) for all other countries....
Why it matters: This provision determines which Canva legal entity a user contracts with and which jurisdiction's laws govern dispute resolution, which in turn affects the enforceability of consumer protections, arbitration clauses, and liability limitations applicable to each user population. The EEA/UK contracting entity being Canva Austria GmbH governed by Irish law is relevant to GDPR compliance and the applicable data protection authority....
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Canva
· Canva Terms of Use
Users agree to indemnify and hold Canva and its affiliates harmless from claims, damages, liabilities, and legal costs arising from the user's access to or use of the Service, breach of the Terms, or user-generated content posted on the platform....
Why it matters: This provision establishes that users bear financial responsibility for legal claims brought against Canva arising from the user's conduct, account activity, Terms violations, or user-generated content. The indemnification obligation extends to attorney's fees and applies to activity conducted by any person using the user's account credentials....