Independent attorney reviews of Terms of Service agreements. We read the fine print so you don't have to. Unified fairness scores, gotcha alerts, and company comparisons.
Every ToS review uses the same 6-category framework, weighted by real-world impact on consumers and businesses.
Freezes, holds, termination rights, reserve requirements
Arbitration clauses, class action waivers, jurisdiction
One-sided liability caps, indemnification scope
Change notification, fee clarity, opt-out rights
Data sharing, deletion rights, third-party access
Cancellation terms, refund policies, data portability
Select a category to see fairness scores, comparisons, and detailed reviews.
Fund holds, reserves, and termination clauses that can freeze your cash flow
Auto-renewal traps, ban policies, and data sharing with third parties
Fund freezes, KYC holds, and regulatory compliance risks
Fee structures, dispute resolution, and payment hold policies
Data portability, service termination, and liability limits
Seller suspensions, fee changes, and fund withholding policies
Training data rights, output ownership, and usage restrictions
Auto-renewal traps, content removal, and password sharing crackdowns
Digital ownership illusions, account bans, and refund policies
Cancellation nightmares, hidden fees, and host/guest disputes
Hidden fees, refund runarounds, and mandatory arbitration clauses
Zero fraud protection, irreversible transfers, and account freezes
Logging policies, jurisdiction concerns, and data sharing with authorities
Health data harvesting, subscription lock-ins, and third-party sharing
Domain hostage tactics, renewal traps, and service termination nightmares
Certificate revocation, subscription traps, and course access limitations
Mandatory arbitration, surge pricing, and liability waivers for accidents
Always-on listening, law enforcement access, and data collection in your home
Price increases, device locks, data throttling, and mandatory arbitration
Behavioral data collection, AI claims decisions, and dynamic pricing algorithms
Breach liability disclaimers, zero-knowledge claims, and data recovery limitations
Resume data sharing, employment status exposure, and recruiter access to your profile
Hidden credit reporting, late fees that compound, and aggressive collection tactics
Non-refundable policies, hidden fees at checkout, and scalper-friendly resale terms
Payment for order flow, trading restrictions during volatility, and margin call nightmares
Sensitive health data sharing, subscription traps, and provider matching limitations
Massive liability gaps, damage dispute nightmares, and insurance coverage illusions
Sudden account bans, list ownership disputes, and deliverability hostage situations
Data portability nightmares, domain hostage situations, and proprietary format lock-in
Royalty delays, takedown policies, and hidden yearly fees that eat into earnings
Licensing landmines, indemnification nightmares, and retroactive license changes
IP takedown abuse, quality control disclaimers, and sudden shop suspensions
Failed project accountability gaps, platform fee stacking, and creator payout delays
Contractor liability gaps, damage claim disputes, and background check limitations
Not-a-law-firm disclaimers, malpractice immunity, and template document limitations
Zestimate disclaimers, iBuyer lowball protections, and data accuracy limitations
Recording consent ambiguity, AI training data usage, and meeting data retention
Sitter liability limitations, pet injury disclaimers, and cancellation penalties
Substitution policies, tip retention, and membership auto-renewal traps
Difficult cancellations, auto-renewal traps, and no-refund policies
Limited liability for damage, lien rights on belongings, and hidden fees
Accuracy guarantees with fine print, data retention, and upsell tactics
Data portability limits, price increases, and feature removal without notice
Corporate card liability, spending limit changes, and account freezes
Payment processing fees, fund holds, and client data ownership
Content ownership disputes, distribution rights, and monetization cuts
Revenue share changes, student data ownership, and platform fees
Creator royalty enforcement, delisting rights, and fraud liability
Message retention, admin access to DMs, and data export limitations
Data portability, price tier changes, and feature deprecation
Contact data ownership, API access restrictions, and contract lock-in
Genetic data sharing, research consent, and law enforcement access
Accuracy disputes, data retention, and consent scope
Subscription traps, data selling, and template ownership claims
Coverage exclusions, claim denial rates, and policy changes
Idle fees, session failures without refunds, and pricing transparency
Payment holds, content ownership disputes, and chargeback liability on adult platforms
Document retention, legal validity limitations, and API access restrictions
COPPA compliance, parental controls, content access limitations, and auto-renewal traps
Vendor disputes, cancellation policies, vendor payout timing, and refund limitations
Federal law conflicts, payment processing risks, account terminations, and data sharing
Sensitive health data, embryo storage liability, treatment coverage disputes
Digital asset access, estate planning limitations, sensitive data handling
Contract lock-in, monitoring failure liability, cancellation fees, data access
Therapy data sharing, subscription traps, crisis protocol limitations
Transfer delays, fund seizure, exchange rate manipulation, account freezes
Caregiver liability, background check limitations, abuse reporting
Account limitations, winnings disputes, identity verification demands
Arbitration mandates, credit score impacts, and debt validation barriers
Credit monitoring limits, breach notification delays, insurance exclusions
Payment allocation tricks, forbearance traps, and limited recourse options
Independent contractor misclassification, deactivation without cause, tip theft
Data access limitations, third-party sharing, and HIPAA consent confusion
Payment delays, content rights grabs, and brand matching algorithm opacity
Tenant data harvesting, automated fee generation, and landlord lock-in
Auto-renewal traps, flexible termination claims, and network monitoring
Subscription traps, voice data collection, and gamification manipulation
Child data harvesting, surveillance without consent, and no aging-out rights
Coverage exclusions, service call fees, and contractor network limitations
Reward expiration, account termination forfeiture, and redemption restrictions
Point devaluation, survey disqualification, and high redemption thresholds
Surveillance scope, data retention, and employer-favoring liability terms
Prescription data practices, delivery liability, and telehealth integration terms
Seller fee structures, authentication disputes, and payment hold policies
Pre-existing condition exclusions, waiting periods, and claim denial rates
Financial data aggregation, bank connection risks, and subscription lock-in
DRM restrictions, content removal rights, and credit system limitations
Price escalation clauses, cancellation friction, and content access limitations
I track when companies update their terms and how it affects your rights. Search by company or browse by category.
New clause allows reserves on "anticipated" chargebacks without evidence. Account termination now instant for "model changes." Reserve hold period extended to 270 days.
Updated terms clarify conversations may be used for training unless explicitly opted out. Enterprise customers exempt but consumer data fair game.
New terms allow using all posted content to train AI models. Opt-out process requires multiple steps and only applies to future content, not existing posts.
Staking rewards now subject to "market conditions" adjustment. Added 21-day unstaking delay with no guaranteed timeline for fund access.
Photo verification now creates "faceprint" stored indefinitely. New language permits sharing biometric data with "verification partners."
New $10/month inactivity fee after 12 months. Liability cap reduced to $50 for unauthorized transactions. Arbitration clause strengthened.
Eliminated formal appeal process for account suspensions. New clause allows termination for "platform ecosystem health" without specific violation.
Strengthened device location verification. Account may be suspended for "irregular viewing patterns" without warning. Added terms for ad-tier data collection.
Safety-related disputes now subject to arbitration. New surge pricing language removes cap references. Shortened refund request window to 48 hours.
New terms acknowledge order routing to market makers. Added clause limiting liability for "market volatility" trading restrictions.
Conversations used for model improvement by default. Integration with other Google services means broader data correlation. Enterprise opt-out available.
New terms claim rights to user-created playlists for promotional use. Added language allowing audio ads even on Premium during podcasts.
Sellers now liable for buyer disputes even after TikTok processes payment. Platform fee refund policy tightened.
Fraud dispute window reduced from 60 to 30 days. New language limits liability for Bitcoin price fluctuations during transactions.
AI meeting summaries may be used for product improvement. Recording transcripts stored longer than meetings themselves. Host liable for participant consent.
Instant deposit fee increased to 1.75%. New terms allow account restrictions for "unusual deposit patterns." Rolling reserve now applies to all accounts.
Aggressive household verification added. "Extra member" add-on required for sharing. Content library varies by detected location.
Class action waiver now covers all disputes including safety claims. Opt-out window reduced to 14 days from account creation.
Commercial transactions now require business profile or face account limits. New fees for "goods and services" payment type.
Profile data used for AI by default. Opt-out doesn't affect already-trained models. Premium features now require AI data sharing consent.
Digital purchases are "licenses" that can be revoked. New ad tier inserted for existing subscribers. Device limit reduced from 3 to 2 streams.
No refunds for unused Premium time even within trial period. "Boost" features now expire if unused within 24 hours.
Earn program restructured post-Genesis. New terms clarify deposited crypto is "unsecured loan" to third parties. Withdrawal delays possible.
Free tier conversations may inform safety research. API users exempt but consumer Claude.ai usage subject to review. Clearer than competitors but still uses data.
Copilot may access all Microsoft 365 data including emails and documents. Organizational data boundaries unclear for small businesses.
Workspace messages may train AI features unless admin opts out. Default setting changed to allow AI processing. DM content included.
SpotMe limits now based on "predicted" direct deposit. Negative balance fees reintroduced for extended overdrafts. Account closure for abuse.
My AI conversations used for personalization and training. New AR features collect more facial geometry data. Location history retention extended.
DVR recordings may be deleted after 9 months. Live TV channel lineup "subject to change" without notice. Price lock guarantees removed.
Added automatic refunds for missing items over $5. Extended dispute window to 7 days. Still has arbitration clause but process improved.
User content explicitly licensed for AI training via third-party deals. Deletion doesn't remove already-licensed data. Moderator tools restricted.
Service fees now percentage-based with no cap. "Priority" fees added even for Instacart+ members. Shopper tip suggestions reduced.
Premium no longer guarantees ad-free experience for "sponsored content." Creator-inserted promotions not blocked. Family plan verification added.
Interest rate now "variable" with no floor guarantee. Cross-product data sharing expanded. Account closure for competitor product use.
Merchants now liable for "friendly fraud" even with 3D Secure. Reserve requirements increased for high-risk categories.
Added formal appeal process for account terminations. 14-day data export window before deletion. Clearer content policy guidelines.
MiCA compliance brings clearer custody terms for EU users. Segregated accounts now mandatory. Withdrawal rights strengthened.
Shopping activity shared with advertisers for targeting. Board content may be used for product recommendations across the web.
FTC settlement requires clearer cancellation process. Pro-rated refunds now available. Subscription auto-renewal opt-out made prominent.
Downloaded music accessible offline for 30 days after subscription ends. Clearer language on DRM limitations. Spatial audio data use disclosed.
New "dating intentions" feature comes with clearer data use terms. Profile boost mechanics disclosed. Ban appeal process added.
Technical updates for PCI DSS 4.0 compliance. No material changes to merchant rights or liability terms.
Restructured service-specific terms for clarity. Data residency options expanded. No material changes to liability or SLA terms.
Dash AI may scan file contents for search features. Opt-out available but affects functionality. Third-party AI integrations added.
Content availability now explicitly "subject to licensing changes." Downloaded content may be removed remotely. Profile transfer limitations added.
Machine learning risk scores may trigger automatic account review. Merchants not given access to score methodology. Appeal process unclear.
Threads data now integrated with Instagram and Facebook profiles. Cross-platform content moderation. ActivityPub data handling unclear.
Enterprise customers get data isolation but custom model fine-tuning requires data sharing consent. Output ownership terms clarified but limited.
Merchants using Commerce now bear full chargeback liability. No dispute protection for crypto payments. Settlement delays added.
ELO-style scoring now acknowledged but not explained. Premium users get algorithm benefits. Shadowban acknowledgment without criteria.
PYUSD terms give PayPal broad control over stablecoin holdings. Redemption delays up to 5 days. No interest or yield for holders.
Blue check no longer implies identity verification. Premium required for basic features like longer posts. Advertising revenue share terms unfavorable.
Mobile games collect extensive behavioral data. Gameplay patterns used for content recommendations. Third-party analytics integration.
Restaurants now liable for delivery issues even when Uber's fault. Commission structure made more opaque. Menu pricing control limited.
Credit card rewards can be clawed back if account closes within 12 months. Interest rates higher than disclosed in marketing.
Duet AI accesses all Workspace content. Admin controls limited on lower tiers. AI suggestions may include promoted content.
Premium audiobook credits expire monthly. Unused credits don't roll over. Additional purchases have limited refund rights.
Creator Fund replaced with Creativity Program. Payment calculation opaque. Content exclusivity requirements for monetization.
New margin account terms have aggressive liquidation clauses. Interest rates not clearly disclosed. Pattern day trading restrictions harsh.
Webinar attendee data shared with hosts by default. Opt-out not prominent. Recording consent mechanisms weakened.
Recruiters can see more profile activity. "Open to Work" status sharing expanded. Premium data used for job matching AI.
Free games are "subscription benefits" that can be revoked. Claimed games may become unavailable if Prime lapses. No refunds.
Square Capital loans now require mandatory arbitration. Class action waiver added. Default interest rates increased.
Ad-supported tier includes cross-device tracking. Viewing data shared with Disney advertisers. Skip limits on certain ad formats.
Deactivation appeals have no timeline. Rating threshold for deactivation now secret. Background check re-runs can trigger instant removal.
Cash back categories restructured unfavorably. Redemption minimums increased. Annual fee introduced for inactive cards.
Premium features may be removed or changed without compensation. Price increases can occur mid-subscription. No refunds for feature removals.
Crypto rewards subject to market timing risk. Rewards may be converted to USD at Gemini's discretion. Annual fee after first year.
Safety-related content refusals increased. Some legitimate use cases affected. Appeal process added but slow. Enterprise exceptions available.
Unified terms across all Microsoft services. Arbitration now default for consumer accounts. Service availability guarantees reduced.
Message history limit reduced from 10,000 to 90 days. File storage limits tightened. Integration limits reduced.
Early direct deposit requires consistent deposits. Feature access tied to ongoing usage. Account downgrade for low activity.
Disney+ bundle subscribers lose standalone Hulu features. Account migration forced. Login sharing restrictions apply across bundle.
Minimum order for free delivery increased. Service fees added to more order types. Restaurant exclusions expanded.
Coin system replaced with less flexible credits. Awards simplified but more expensive. Premium ad-free experience has exceptions.
Annual price increased 20%. Benefits reduced. "Free delivery" now has more minimums. Priority delivery removed from base tier.
Uploaded music library features reduced. Locker feature discontinued. Downloaded music availability varies by region.
Student loans may be transferred to third-party servicers. Autopay discounts not guaranteed to transfer. Payment portal changes possible.
Processing fees now vary by card type with less transparency. Platform fee added for smaller merchants. Volume discounts harder to qualify for.
Server boost benefits reduced. File upload limits may change. Custom emoji slots not guaranteed across plan changes.
SEC settlement eliminates staking for US customers. Existing stakes must be withdrawn. Alternative yield products have worse terms.
Idea Pins monetization has restrictive content guidelines. Revenue share percentages not disclosed. Payment thresholds high for smaller creators.
Profile data shared across dating, BFF, and Bizz modes. Opt-out requires separate mode accounts. Activity visible across modes by default.
Classical app integrated into main Apple Music. No additional cost but separate app still required for full features. Library merger automatic.
Rose feature now required to message "Standouts." Algorithm prioritizes paying users. Free users see fewer high-compatibility matches.
Basic free tier storage reduced. File version history limited on lower tiers. Bandwidth limits added for shared links.
4K and Dolby Atmos now require highest tier. Existing ad-free subscribers lose quality features. Profile limits reduced on lower tiers.
Major enforcement actions, settlements, and regulatory developments affecting consumer rights.
FTC alleged Amazon enrolled consumers in Prime without express consent and made cancellation deliberately difficult. Settlement covers users who enrolled between June 2019 and June 2025.
FTC found Instacart charged hidden fees, hid refund options, and auto-enrolled users into paid subscriptions without proper disclosure after free trials ended.
After 3 years of litigation, PayPal settled claims it "deceptively" advertised Venmo purchase protection and misrepresented privacy protections for users' financial data.
FTC found Tinder, Match.com, and OkCupid used misleading advertising and trapped consumers in recurring billing cycles with unclear cancellation procedures and hidden fees.
New regulation would prohibit contract provisions that waive consumer legal rights, including terms that limit free expression through threats of account closure or fines.
Latest in FTC's crackdown on subscription practices, alleging gym operators make it "exceedingly difficult" for consumers to cancel memberships that continue indefinitely.
Whether your funds are frozen, your account is terminated, or you need to negotiate better terms, I can help.
Need help understanding your rights or resolving a platform dispute?