Digital ownership illusions, account ban policies that wipe your library, and refund policies that vary wildly. I analyze what gaming platforms can really do with your games and account.
Platforms ranked by Consumer Fairness Index. Higher scores indicate more balanced terms that protect consumer rights.
Common patterns and concerns we found across gaming platform terms.
How gaming platforms compare on key consumer protection factors.
| Factor | Epic | Xbox | PlayStation | Steam |
|---|---|---|---|---|
| Refund Window | 2 hrs / 14 days | Case by case | Before download | 2 hrs / 14 days |
| Offline Play | Limited | Limited | Limited | ✓ Robust |
| Family Sharing | ✗ No | ✓ Yes | Limited | ✓ Yes |
| Ban Appeal Process | Improving | Formal process | Very limited | Game-specific |
| Library on Ban | Keep most | Risk loss | Risk loss | Keep most |
| Arbitration Required | ✗ Yes | ✗ Yes | ✗ Yes | ✗ Yes |
| Consumer Fairness Score | 65/B- | 58/C+ | 52/C | 45/C- |
My Consumer Fairness Index evaluates gaming ToS across six weighted categories.
Gaming-specific factors we examine include digital ownership rights, refund policies, account termination consequences, offline play capabilities, family sharing terms, and ban appeal processes. We also assess data collection practices and how clearly the "license not ownership" reality is communicated.
If you've lost access to your game library or been banned without clear reason, I can help you understand your options and rights.
Schedule Review - $125/30minNeed help understanding your rights or resolving a platform dispute?