PayPal
· PayPal Buyer and Seller Protection
Many common PayPal use cases, including sending money to friends for shared purchases and buying gift cards, are entirely excluded, which consumers may not realize …
Without robust age verification mechanisms, children under 13 may access ChatGPT and have their data collected in violation of COPPA, creating legal and safety risks.
TikTok
· TikTok Terms of Service
TikTok's age restriction provisions directly affect the safety and privacy of minors, and parents who allow children to use TikTok under the standard Terms bear …
Children who bypass the age gate and use ChatGPT could have their conversations — potentially including sensitive school, health, or personal disclosures — collected and …
WhatsApp does not have robust age verification mechanisms, and younger users may still access the platform, raising child safety and legal compliance concerns.
AI conversational tools present elevated risk for minors, and the adequacy of age verification mechanisms is a key regulatory concern globally; failure to prevent minor …
Shopify
· Shopify Acceptable Use Policy
Failure to implement adequate age verification for age-restricted products creates direct regulatory exposure for merchants, while the CSAM prohibition triggers mandatory reporting obligations under federal …
Microsoft
· Microsoft Services Agreement (Legacy)
If a child under 13 is using a Microsoft account without parental setup, they are in violation of the agreement and their data may be …
Shopify
· Shopify Acceptable Use Policy
Brand owners and licensees operating on Shopify who list products without verifying IP clearance — particularly in fashion, electronics, and media — risk both account …
This provision protects children from AI-facilitated sexual exploitation and triggers mandatory legal reporting obligations that OpenAI must fulfill when such content is encountered.
This is one of the most serious prohibitions in the policy — violations constitute federal crimes and Anthropic has committed to active detection and mandatory …
Generating or attempting to generate CSAM is a federal crime regardless of the medium used, and OpenAI's prohibition combined with a content reporting mechanism creates …
Shopify
· Shopify Acceptable Use Policy
Because Shopify defines 'deceptive, fraudulent, or misleading' broadly and retains unilateral authority to make this determination, merchants face account termination risk based on Shopify's subjective …
Shopify
· Shopify Acceptable Use Policy
This provision captures a wide range of products beyond obvious drug paraphernalia — including herbal supplements, CBD products, and wellness items that make health claims …
This prohibition directly addresses the potential for AI to be weaponized in democratic processes, and violations could expose users to both OpenAI enforcement action and …
Shopify
· Shopify Acceptable Use Policy
Merchants who offer subscription boxes, gaming products, or loyalty programs with prize draws or loot-box style mechanics may inadvertently trigger the gambling prohibition, resulting in …
Shopify
· Shopify Acceptable Use Policy
This provision reflects Shopify's decision to restrict an entire product subcategory beyond what federal law strictly requires, creating significant risk for any merchant in the …
These absolute limits define the floor of AI safety across all OpenAI products and protect consumers and society from the most catastrophic potential harms regardless …
OpenAI
· GPT-4o System Card (PDF)
These absolute prohibitions represent OpenAI's commitment to a floor of safety behavior that no business customer or individual user can disable — but the system …
This policy affects what users can post and can result in permanent account bans, meaning loss of access to followers, content, and any associated paid …
Apple
· Apple App Store Review Guidelines
Misleading health claims in apps can lead consumers to forgo professional medical care, creating real patient safety risk — Apple's requirement that health apps disclose …
This tiered compliance structure creates differential obligations for operators in regulated industries, meaning businesses in healthcare, law, and finance face significantly greater compliance burdens when …
AI-generated impersonation and disinformation are among the most significant consumer harms emerging from generative AI — this provision directly addresses the risk that the technology …
Shopify
· Shopify Acceptable Use Policy
This provision exposes merchants to both Shopify enforcement actions and direct civil liability from brand owners under the Lanham Act, and Shopify may act on …
Shopify
· Shopify Acceptable Use Policy
Merchants selling goods that resemble or replicate branded products risk account termination, and may also face separate legal action from rights holders outside of Shopify.
Without a robust age verification system, minors may access the service in violation of these terms, exposing them to AI-generated content risks and creating COPPA …
Meta
· Meta Privacy Policy
Despite stated restrictions, research and regulatory investigations have found that minors routinely access Meta's platforms and may be subject to behavioral profiling and targeted advertising, …
OpenAI
· OpenAI Privacy Policy
If a minor uses OpenAI's products without appropriate consent mechanisms, their data may be collected without the protections required by law, creating risks for both …
TikTok
· TikTok Community Guidelines
TikTok has one of the largest minor user bases of any social media platform. How it enforces age restrictions and protects minors from inappropriate content, …
PayPal
· PayPal User Agreement
By accepting this provision, business account holders are making a legal attestation of regulatory compliance — if your MFA implementation doesn't actually meet NY DFS …