Found in 231 of 352 platforms tracked (66% adoption) · 2197 provisions
Customers who purchase these reserved pricing instruments are financially committed for the entire term regardless of whether they continue using the Services or terminate the Agreement, with no aven…
The authorization to charge is ongoing and automatic for the entire duration of the subscription, meaning charges continue without requiring renewed consent each billing cycle.
Adyen unilaterally controls the size of the deposit the Merchant must maintain, calibrated to Adyen's own assessment of the Merchant's potential liabilities.
Adyen can unilaterally recover any Merchant debt by reducing settlement payments or Bank Account balances, without requiring a separate collection action.
If the Acquirer or Scheme Owner fails to pay Adyen, Adyen has no obligation to settle those funds to the Merchant, leaving the Merchant exposed to upstream payment failures.
The disclosed rate range reveals that borrowing through Affirm can carry a significant interest cost of up to 36% fixed APR, and the 0% APR option is not universally available.
The obligation covers not only the listing price but also a defined and open-ended set of additional charges identified at checkout, meaning the total cost owed is broader than the advertised listing…
This provision structures the carrier's refund obligations across different ticket classes and circumstances, distinguishing between voluntary cancellations by passengers and involuntary cancellation…
Charges recur automatically without any further action or confirmation from the user, meaning the financial obligation continues until an affirmative cancellation is made.
Users are subject to recurring charges without any additional action or confirmation from them on each renewal date, and the obligation continues until active cancellation.
This rule directs all in-app feature unlocking through Apple's payment infrastructure, preventing developers from bypassing Apple's in-app purchase system with alternative mechanisms.
Users may be charged on a secondary or tertiary payment method without any additional confirmation step at the time of the failed transaction.
Because no notice requirement or limit on the frequency or magnitude of fee changes is stated, membership costs can increase at any time without constraint.
This provision creates a fee structure with conditional waiver mechanisms, establishing the operational conditions under which account holders can avoid the recurring monthly charge. The availability…
This provision establishes the fee structure governing overdraft transactions and clarifies that fee incidence depends partly on customer selection of available overdraft protection services. The ope…
This provision establishes a fee structure that applies each time the bank processes and returns an unpaid item, creating a per-transaction cost mechanism tied to account overdraft events. The per-it…
The provision defines a material revenue mechanism for the bank and establishes clear procedural conditions under which account holders incur additional charges. This sets expectations for cost alloc…
The monthly maintenance fee structure defines the ongoing costs associated with account maintenance and service delivery. This provision establishes the financial terms under which the account relati…
Access to the platform is not unconditional; it is a contractual entitlement that exists only while the specified fees are paid, meaning non-payment directly jeopardises access.
The authorization extends not only to currently linked accounts but also to previously linked accounts, meaning prior banking relationships remain subject to collection debits.
Users are charged the then-current price at renewal, meaning the price they originally paid is not guaranteed to apply to future billing cycles.
Users have no right to cancel a fee obligation or recover any payment made, regardless of circumstances, and cannot reduce amounts owed by any counterclaim or deduction.
Missing the 24-hour deadline means the user will be charged for another full subscription period with no recourse to avoid that charge.
Users on paid plans will be charged repeatedly each billing cycle without additional action on their part, unless they take steps to cancel.
Users not enrolled in Savings Yield permanently and irrevocably forfeit any interest that accrues on their balances, with that interest going to Cash App instead.
The Company may incur charges for additional services it did not explicitly choose, with its continued use treated as binding acceptance of those services' terms.
The obligation extends beyond a base subscription fee to include variable charges for add-ons, user roles, and overages, which can increase the total cost unpredictably.
The automatic default means customers who take no action will be charged for renewal without any additional affirmative step from ClickUp.
All three core trading actions — buying, selling, and converting — on both the main platform and the DEX feature incur fees.
Coinbase One members who expect zero-fee trading benefits will still be charged the DEX service fee, meaning membership does not eliminate this cost.
The fee charged is based on Coinbase's estimate rather than the actual network fee, which may differ from the real cost of the transaction.
Users may pay network fees based on estimates that exceed Coinbase's real cost, meaning Coinbase could retain the difference as a result of batching efficiency.
A forced collateral sale — already a financially adverse event — carries an additional 2% flat fee on the full transaction, increasing the user's cost.
The price users see for simple buy and sell orders is not the raw market price; it includes a spread that represents additional cost to the user.
Users have no advance notice protection; fee changes at Coursera's sole discretion take effect immediately upon posting, which could affect ongoing use of paid services.
The clause creates a continuous billing cycle with an affirmative cancellation requirement, establishing that subscription continuation is the default state unless the user initiates termination with…
Users who fail to cancel during the trial period will be charged without any further action on DeepL's part, as the conversion to a paid subscription is automatic.
The customer will incur charges automatically at the end of the trial without any additional affirmative action being required to trigger the paid subscription.
A chargeback on any deposit causes users to lose not only that deposit but all associated contest winnings, resulting in significant financial consequences.
Billing begins immediately upon conversion and continues automatically on a recurring basis, meaning charges accumulate without any further action required from the user until cancellation occurs.
Users who do not actively terminate will be billed continuously for successive equivalent periods, as renewal is automatic rather than opt-in.
The 45-day notice requirement gives customers a defined window to evaluate the fee change and act before it takes effect.
Users who have pre-purchased or accumulated credits lose the monetary or service value of those credits upon account closure or termination with no indication of compensation.
Users are subject to recurring charges indefinitely unless they take affirmative steps to cancel, regardless of the original membership duration.
This clause is consequential because it allows FanDuel to draw down a user's account balance on an ongoing monthly basis simply due to inactivity, with no stated cap.
The Subscriber has no right to recover fees already paid, regardless of whether the Services were fully used.
Auto-renewal at the then-current rate means Customers are financially committed at Figma's prevailing price each cycle, and seat-based Customers are locked into whatever seat count is in their accoun…
Advance monthly billing means Customers must pay before receiving the corresponding period of service, affecting cash flow and refund expectations.
Because Google retains authority to change fees and payment policies at any time, the cost of using the Service is not fixed and may increase.
Immediate acceleration of all outstanding balances upon termination means users cannot defer payment of unpaid amounts after the agreement ends.
A non-cancellable payment obligation means customers cannot unilaterally exit fee commitments by cancelling service, leaving them financially bound for the full contracted amount.
Without a written fee lock in an addendum or Order Form, customers have no protection against fee increases at any time during the relationship.
The non-cancellable payment obligation and Google's finality over usage measurement together mean the Customer cannot dispute the fee amount or withdraw from the payment obligation on grounds other t…
The interest rate of 1.5% per month compounds the financial consequence of late payment, and the obligation runs from the due date until full payment, potentially accumulating significantly over time.
Users with multiple saved payment methods may have a different method charged than the one they selected, without necessarily choosing that method for the transaction.
This provision creates a consequence framework for Terms violations by conditioning continued service access on compliance with stated obligations. It establishes that Google retains authority to enf…
This provision establishes a broad financial liability obligation on family group managers covering all member purchases through the family payment method, including charges that may arise post-group…
This provision defines the operational structure of subscription management, specifying the timing of charges, the cancellation mechanism, and the period during which cancellation must occur to preve…
Users will continue to be charged at the then-current renewal price automatically unless they take affirmative steps to cancel, and the renewal price may differ from the original purchase price.
Users have no guaranteed pricing stability; Grubhub can alter any charge associated with its Services at any time.
Automatic deduction means the Supplier never receives the full purchase price; Gumroad's fee is extracted at the point of sale before any funds reach the Supplier.
Employers who pay Service Fees cannot recover those payments as a matter of right, making every payment a financial commitment with no default return path.
Users bear full financial responsibility for all costs with no contribution from any federal or state healthcare program, as the arrangement is explicitly structured as a cash-basis transaction outsi…
Because renewal is automatic and continues until the user acts, users who forget to cancel may be charged for additional subscription periods.
This clause permits automatic fee increases at every renewal cycle up to list price, subject only to a thirty-day notice requirement, which may significantly raise costs over time.
This clause eliminates any general right to cancel payment commitments or obtain refunds, confining relief to narrow exceptions explicitly stated in the Agreement.
Users' payment credentials are stored and billed on a continuing basis without requiring re-authorization at each renewal, meaning charges occur automatically.
Users have no contractual protection against pricing changes; Ideogram may alter costs or plan structures without any stated constraint on timing, magnitude, or notice.
Employers have no ability to dispute the measurements that determine what they are charged, since Indeed's measurements are contractually binding.
Automatic renewal means a user will be charged for a new membership term without further action unless they affirmatively cancel beforehand.
Because renewal is automatic and continuous, users who do not affirmatively notify Kick of cancellation will be charged indefinitely on a monthly basis.
Because Kick does not retain financial data, responsibility for protecting that data rests with the third-party processors rather than Kick.
This clause closes off deliberate fee-avoidance as an acceptable use of the platform, meaning any usage pattern engineered to escape legitimate charges constitutes a policy violation.
The non-refundable, advance-payment structure means customers cannot recover fees already paid, even if they cancel or terminate the agreement before the billing period ends.
This means the Customer is locked into paying committed fees and cannot obtain a refund after payment, except in circumstances the Agreement itself explicitly carves out.
Customers cannot look to Ledger or Global-e for assistance or recourse if Duties and Taxes are assessed, disputed, or unpaid, as all responsibility is explicitly disclaimed.
A customer's refund or other owed amounts can be reduced by unpaid Duties and Taxes if the customer's failure to pay without reasonable reason shifts liability to Ledger or others.
Users face personal financial liability of up to $1,500 for a replacement vehicle if the vehicle is damaged, lost, or considered stolen under the User Agreement.
Because charges run until App confirmation — which may be delayed by technical factors — users bear the financial risk of delayed ride termination even when caused by network or technical issues.
Because the modification power is at Linear's sole discretion, Customer has no contractual basis to contest a fee change other than choosing not to renew.
Non-payment leads directly to termination of paid Services, meaning members lose access to those Services upon any failure to pay.
Charges are automatic and occur at the start of each period, meaning members will be billed without a separate payment action each cycle, for both fees and taxes.
Advertisers who miss the 90-day written notice deadline permanently waive their right to dispute the relevant fees, regardless of the merits of their dispute.
Users assume immediate, locked-in financial liability upon incurring any Fee, with no ability to cancel payment obligations or recover amounts paid, subject only to any cancellation rights expressly …
The clause grants Lyft unilateral authority to change pricing, with posting to the in-app price details screen as the mechanism for implementing changes.
The clause creates a financial obligation triggered by a driver's report—not a court or independent finding—with the amount set entirely by Lyft in its sole discretion, giving users no contractual in…
The retroactive billing structure means members can incur unexpected additional charges for a billing period already passed, based on usage limits they may not have monitored closely.
Customer remains liable for the full remaining term's fees even after termination, unless Marqeta itself is in breach, creating a substantial financial obligation upon early exit.
Users cannot access invoice payment funds immediately upon ACH debit initiation; the hold period of up to four business days delays availability and is determined by Mercury's risk assessment.
Users may have funds debited from their account when an invoice payment is returned or reversed, meaning they bear the financial risk of such events.
Authorizing recurring payments means charges will continue automatically at the agreed intervals without further action by the user, until termination occurs.
The per-million output token price directly determines the cost incurred for each response the model generates.
Charges recur automatically without further action from the user, meaning the user bears responsibility for cancelling to stop being billed.
The per-million input token price directly determines the cost developers and users incur for each request sent to the model.
The fee structure combines a fixed charge with an uncapped time-based component, meaning the total cost of a Switching Request is variable and depends on the hours Mistral AI directly spends, with ta…
Because the increase is automatic and compounding across renewal terms, the customer's costs rise each renewal period without any affirmative action by Mixpanel or the customer.
Usage beyond the purchased volume tier is billed at a 150% rate, meaning overage costs are significantly higher than the standard per-unit price the customer negotiated.
Customers are contractually bound to pay upon invoice with no right to cancel an Order Form or recover fees paid, subject only to an express contrary indication in the Order Form itself.
Customers are billed after usage has already occurred, meaning payment obligations arise on a defined schedule that follows each completed Subscription Month.
Charges are applied automatically without requiring the Customer to initiate each payment, meaning the Customer's card will be debited without further action or prior approval per charge.
Because fees are usage-based per Subscription Month, the Customer's actual charges may vary each month depending on platform consumption rather than being a fixed amount.
Customers who commit to a minimum spend are bound to that amount regardless of changed circumstances, unless a legal or specific contractual exception applies.
Users who do not actively cancel before the trial period expires will be automatically charged on a recurring basis, with no further action required from Oura.
Sellers bear a financial cost when disputes are raised against their transactions, regardless of outcome.
Automatic renewal at the then-current fee means a user may be charged a different rate than their prior term if prices have changed, without any per-renewal affirmative action required from Peacock.
Users who do not cancel before a trial or promotional period ends will be automatically charged, potentially without expecting it.
Users have no contractual protection against price increases or plan changes, as Perplexity AI retains unrestricted unilateral authority over both.
The automatic charge authorization means fees can be collected without any additional approval step from the customer at the time of billing.
Users will be charged repeatedly without taking any further action, meaning inattention can result in unintended ongoing charges.
Automatic renewal at then-current rates means users may be charged at a higher price than they originally paid without taking any new affirmative action, and must actively cancel to avoid the charge.
Users have no contractual basis to seek a refund for any fees paid to Public.com under this provision.
Because the authorization extends to assigns and covers all amounts owed, Ramp and its partners can pull funds directly from Company accounts without seeking separate approval for each transaction.
Because RapidAPI retains sole discretion to modify the transaction fee, users have no right to object, but the 7-day notice requirement provides minimal advance warning.
Customers who do not exhaust their prepaid balance within 12 months lose those funds entirely with no recourse for recovery.
Customers incur charges even when a run does not complete successfully, and the amount depends on Replicate's own system logs rather than customer-observable outcomes.
Customers who do not actively cancel will continue to be charged for successive subscription periods without any additional action required from Replicate.
Customers who do not consume their full prepaid balance within 12 months permanently lose the unused funds with no possibility of recovery.
Customers incur charges even when a run does not complete successfully, and the billing amount is determined solely by Replicate's own system logs.
Because prices are subject to change at the end of a subscription term, automatic rebilling may result in charges at a higher rate than the prior term without requiring separate user action.
Closing an account does not extinguish outstanding financial obligations to Revolut.
Auto-renewal without notice means users may be charged for a new subscription period without a reminder unless they proactively cancel beforehand or applicable law mandates notice.
Users bear the full financial burden of all costs without recourse to insurance coverage for anything obtained through Ro on a cash-pay basis.
Users are contractually barred from recovering any portion of their Ro costs through insurance or other third-party payers, even if coverage might otherwise apply.
This provision operationalizes regulatory disclosure requirements under Securities and Exchange Commission rules regarding payment for order flow. The mechanism ensures margin account holders receive…
This clause permits the firm to generate revenue through securities lending activities while maintaining operational flexibility to conduct such lending without advance customer notice. The authoriza…
The provision establishes disclosure requirements for a revenue practice that creates financial incentives potentially divergent from customer execution outcomes. By identifying the conflict explicit…
Reg BI disclosure establishes the institutional obligation for Robinhood to act in customers' best interest when providing recommendations, subject to SEC regulatory standards. This disclosure clarif…
Charges are assessed at the then-current fee at each renewal, meaning the amount billed may change between periods without requiring a separate affirmative action from the user.
The customer bears the cost of all transaction-related taxes, meaning tax obligations are passed through to the customer rather than absorbed by Segment.
The fee applies per return on the same order, meaning customers who make multiple returns from a single order bear a cumulative shipping cost that reduces the refund amount they receive.
Free shipping is limited to the first return per order and only within the Voluntary Return Window, so subsequent returns or out-of-window returns are not covered.
Billing is automatic and continuous, meaning charges accrue every month on the same date without further action by SimpliSafe, until termination occurs.
The customer has no general right to cancel an order or recover fees; any refund or cancellation right must be expressly identified elsewhere in the agreement, making those rights narrow and limited.
A customer whose service is terminated for uncured breach faces an immediate lump-sum obligation for all fees that would have accrued for the rest of the term, rather than being released from future …
Fee acceleration means a customer could face an immediate obligation for the full remaining contract value upon a for-cause termination, with no recourse to recover any amounts already paid.
Customers generally cannot cancel payment commitments or obtain refunds once fees are incurred, limiting financial recourse to only those exceptions explicitly stated in the Agreement or mandated by …
SoFi Plus membership, and any benefits attached to it, require an ongoing $10 monthly payment, making access to those benefits contingent on continued fee payment.
Because charges continue automatically until cancellation, a user who does not actively cancel will be charged indefinitely at the chosen frequency.
Charges to an updated payment method continue automatically, meaning the user must affirmatively notify Sony PlayStation to stop charges rather than the update itself serving as a stopping point.
The authorisation to charge the then-current fee means the amount billed may change if Spotify adjusts its subscription pricing, and charges recur automatically without requiring separate approval ea…
Users who agree to the Agreement have pre-authorized recurring charges for Paid Services, which will continue automatically until cancellation without any further billing consent step.
The advance-payment and finality requirement means users generally cannot reverse charges or obtain refunds outside the specific exceptions defined elsewhere in the Agreement.
The clause gives a Platform the ability to trigger deductions from a User's account balance for fees the Platform itself specifies, without requiring separate User authorisation at the time of each d…
Users cannot recover fees already paid or cancel payment obligations after the fact, except through a written agreement with Stripe or a legal mandate.
Stripe can directly reduce funds it holds or owes to the user to collect amounts owed, without requiring separate payment from the user.
Users may be charged at updated rates without taking any affirmative action, and the renewal frequency is determined by Suno's subscription page rather than a fixed contractual term.
Customers face suspension of Services for overdue payments, but Synthesia must first provide at least ten days' prior notice before acting.
Customers cannot recover fees already paid or cancel payment obligations mid-term, limiting financial recourse if the relationship ends early.
Customers who miss the 60-day deadline to request a refund of disputed taxes or fees related to PPU or assigned location lose the ability to recover those amounts.
Automatic renewal means users will be charged for the next billing cycle unless they affirmatively cancel in a specified manner before the deadline, placing the burden of action on the user to avoid …
This agency relationship defines the scope of Teachable's authority over Creator funds and may affect when payment is legally considered received by the Creator.
This authorization allows Teachable and third-party financial institutions to withdraw funds directly from a user's bank account without requiring separate approval for each transaction.
The purchase act itself constitutes authorisation for ongoing recurring charges, committing the user financially until an affirmative cancellation step is taken.
Automatic renewal means recurring charges continue without further action by the user until the user takes affirmative steps to cancel.
Customers are bound to authorize recurring, automatic charges that may escalate to match their higher average monthly usage, potentially resulting in unexpectedly large charges.
A variable APR up to 33% represents a significant borrowing cost, and the rate may change, affecting the total amount the user repays.
Drivers receive less than the full fare amount because Uber's service fees are removed from all fares without exception.
This threshold determines at what revenue level royalty obligations are triggered, making it a critical financial boundary for users commercializing products built with the Licensed Technology.
This exception determines whether smaller developers must pay per-seat subscription fees, making the revenue threshold a critical financial trigger for many users.
A royalty obligation tied to worldwide gross revenue can represent a significant and ongoing financial commitment for users whose products generate revenue.
This requirement ties per-developer access to a paid subscription, making the seat subscription a recurring financial obligation that scales with the size of a development team.
The authorization extends beyond Walmart.com to affiliated sites and properties, meaning the stored card may be charged on platforms beyond the one where the card was originally entered.
Recurring charges continue automatically at Whoop's then-current price until the user takes affirmative steps to cancel, meaning the price charged at renewal may differ from the original subscription…
The immediate repayment obligation without any notice requirement means Wise can treat a negative balance as an immediately due debt the moment it arises, with no grace period or demand required.
Recurring charges will continue automatically each billing period, placing the obligation on the user to cancel in accordance with the addendum to stop them.
Users have no right to a refund or cancellation after placing a marketplace order, regardless of circumstances.
Rates at renewal reflect Writer's then-current pricing, meaning renewal charges may differ from the original purchase price, and cancellation must follow a specific method to stop recurring charges.
The 24-hour deadline creates a hard cutoff that, if missed by even a short margin, results in a charge for a full additional subscription period.
The authorization is open-ended and self-renewing; charges continue automatically each period until the user takes affirmative action to cancel.
The customer has no general right to cancel committed charges or obtain refunds, limiting financial recourse if the customer's needs change or the service underperforms.
Early cancellation or termination for cause does not relieve the customer of payment obligations; the customer remains liable for the full remaining subscription fees.
The non-refundable nature of all fees means users bear the full financial risk of any payment made, with no stated exceptions.
Automatic renewal means users will continue to be charged unless they take affirmative action to cancel or ZipRecruiter acts to suspend or terminate.
Fee liability follows any use of eBay's Services in the sales process, meaning moving a transaction off-platform to avoid fees does not eliminate the obligation.
The absence of late fees removes a category of cost that is common in consumer credit products, which affects the total cost of borrowing.
The gross-up obligation means that in jurisdictions with withholding tax requirements, the Customer's actual cost of using the Services will exceed the listed fee; the obligation compounds because it…
The stop payment fee represents a discrete transaction charge within the bank's fee schedule structure. This provision clarifies the cost basis for customers initiating stop payment requests and esta…
This provision establishes the fee structure governing ATM access outside the Bank of America network, creating a cost mechanism that applies based on ATM selection and transaction location rather th…
The provision defines a specific charge associated with failed deposit transactions, establishing a cost structure for the operational handling of returned items. This fee represents a defined revenu…
Wire transfer fees are a standard operational cost component of the bank's service offerings. The fee schedule provides transparent pricing for customers initiating wire transfers through the institu…
This provision sets the operational cost structure for customers who access cash through non-affiliated ATM networks, establishing the transactional pricing that applies when using machines outside t…
Fee waiver conditions define the operational framework through which customers can avoid or reduce charges. The specification of these conditions determines the scope of potential fee relief availabl…
The provision defines the operational framework for account termination, including what fees apply upon early closure and what notice or procedures the customer must follow, which affects the cost an…
The funds availability schedule determines when customers can access deposited funds and affects the institution's obligation to make funds available within regulatory timeframes. This provision esta…
This provision establishes the operational framework under which the bank enforces transaction limits on savings and money market accounts through fee assessment. It clarifies that despite the suspen…
This provision establishes the bank's operational authority to adjust account economics and conditions through a unilateral modification mechanism. The advance notice requirement creates a procedural…
Users converting large USDC amounts face an additional percentage-based fee once their 30-day rolling volume crosses the $5 million mark.
The 24-hour cancellation deadline means users who decide to cancel close to the renewal date may still be charged for the next full subscription period, as the agreement authorizes automatic billing …
Subscribers who do not actively cancel will be charged the higher price after a 30-day notice period, and the default is continued billing at the new rate without requiring explicit re-consent.
Family group managers bear full financial liability for family member purchases, including potentially unexpected charges when a member leaves the group, without any stated per-transaction approval m…
This provision establishes automatic recurring charges for subscription Content without requiring affirmative re-authorization each cycle, and conditions avoidance of charges on proactive cancellatio…
The auto-renewal mechanism establishes the operational structure for subscription continuity and billing administration. The clause specifies that subscription continuation requires affirmative cance…
The provision establishes Robinhood's core pricing structure by eliminating per-trade commissions on specified asset classes, which represents a material term governing trading costs. The disclosure …
Users should understand which banks receive their uninvested cash, the applicable FDIC coverage limits across program banks, and any money market fund risks, as these affect the safety and accessibil…
Charges continue automatically until termination occurs, meaning users bear responsibility for actively cancelling to stop payments.
Financial and personal data—including bank account and payment card details—is shared with a third-party processor, Stripe, in connection with Zoom Events transactions.
The provision establishes the bank's authority to assess fees on a broad category of cross-border transactions, including those that may not be immediately apparent as foreign to the cardholder, affe…
Without access to the readable document text, consumers and compliance professionals cannot assess what fees apply, what conditions trigger those fees, or what rights the agreement reserves or limits.
The clause creates a fee structure tied to statement delivery method, establishing paperless delivery as the default cost-free option while paper delivery incurs periodic charges. This structure crea…
This provision establishes that user-generated feedback becomes an unrestricted asset available to Anysphere for incorporation into product development, service improvements, or other applications wi…
The clause establishes Anysphere's ownership rights over user-generated suggestions and modifications, enabling the company to incorporate such feedback into product development without contractual o…
The 20% discount and its condition — annual billing — define the precise pricing benefit and the commitment required to obtain it.
Monitor emails you the same day a platform you choose changes these clauses.
A payment & fees clause is a provision in a platform's terms of service or privacy policy governing payment & fees-related rights, obligations, or restrictions.
ConductAtlas tracks 231 platforms with payment & fees clauses - roughly 66% of platforms in the archive. 727 are classified as high severity.
Severity reflects the magnitude of rights waived, availability of opt-out, breadth of users affected, financial or legal exposure created, and the degree of discretion retained by the platform.