Snapshot of the source text at fetch time, not a live mirror of the policy page.
Plain-English summary
This document indicates several user risks, including the company's right to change terms at any time, limited liability for various losses (risk_flags-2), and a mandatory indemnification clause (risk_flags-3). Users also waive their right to a jury trial (risk_flags-4) and grant a broad license to their submitted content (risk_flags-5). The company may share chat contents with third-party providers (data_use-1) and use session replay technologies (data_use-2). Additionally, user account information may be shared with third parties for online transactions (data_use-3), and updated information can be provided to these parties at the company's discretion.
90% confidence
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Risk Flags
4 findings
Critical issues that pose direct and significant risks to the user. These often involve limitations on legal rights, potential for financial loss, or major privacy infringements.
high95% confidence
Limited Liability for Discover
Discover will not be liable for certain losses, including lost profits, data, or indirect damages, arising from the use of or inability to use the website.
Why it matters: You cannot seek compensation from Discover for various losses, such as lost data or profits, even if they arise from your use or inability to use the website.
In no event will Discover be liable for any lost profits, lost opportunity, lost data, cost of procurement of substitute goods or services, intangible loss, or any direct or indirect, special, incidental, exemplary, punitive, consequential or any damages whatsoever arising out of or in connection with your access to, use of or inability to use this website or any linked product, service or website or the copying or display of, or the interaction or any other form of communications with the website, regardless of whether Discover is advised of the possibility of such damages, losses, or expenses and regardless of the form of action, whether in contract, tort, warranty or otherwise.
Accounts, Security, and Passwords, paragraph 8 · Citation strength: strong
high95% confidence
Mandatory Indemnification by User
You agree to indemnify Discover and its affiliates against claims or losses arising from your breach of terms, use of the website, legal violations, or negligent acts.
Why it matters: You may be held financially responsible for legal claims and losses incurred by Discover if they arise from your actions, such as breaching the terms or using the website in a way that violates laws.
You agree to indemnify, defend and hold harmless Discover, its affiliates and their respective officers, directors, employees, agents, successors and assigns (“Discover Entities”) from and against any actual or alleged claims or losses arising from, in connection with, or based on allegations whenever made of any of the following: your breach of these Terms of Use; your use of this website and content; any claim that your use of this website and any content violates any law; the use of Your Content by any Discover Entity; or any claim arising out of, or in connection with, your negligent acts or omissions. This obligation shall survive the termination or expiration of these Terms of Use.
Accounts, Security, and Passwords, paragraph 10 · Citation strength: strong
high95% confidence
Waiver of Jury Trial
The parties unconditionally waive their respective rights to a jury trial for any action or proceeding arising out of or related to these Terms of Use.
Why it matters: You give up your right to have a jury decide any legal disputes related to these terms, meaning a judge will decide the outcome instead.
The parties unconditionally waive their respective rights to a jury trial.
Data Sharing, paragraph 3 · Citation strength: strong
high95% confidence
Grant of Broad License to User Content
You grant Discover an irrevocable, royalty-free, perpetual, transferable, sub-licensable, non-exclusive, worldwide license to use, copy, publish, distribute, adapt, and modify your submitted content for any purpose.
Why it matters: When you submit content, Discover gains extensive rights to use, modify, and distribute it globally and perpetually, without any payment to you.
you grant the Discover Entities an irrevocable, fully paid, royalty-free, perpetual, transferable, sub-licensable, non-exclusive, worldwide license to use, copy, publish, distribute, adapt and modify Your Content, or create derivative works from Your Content, in any and all media now known or hereafter devised, for any purpose and you have obtained any consents necessary to grant this license
Accounts, Security, and Passwords, paragraph 17 · Citation strength: strong
Data Use
3 findings
How the company collects, uses, shares, and protects your personal information.
medium90% confidence
Sharing Chat Contents with Third-Party
By using the automated chat functionality, you agree that Discover may share the contents of your messages with the third-party service provider that offers this service.
Why it matters: Your chat communications with the automated chat service may be shared with an external company, potentially exposing details of your inquiries to another entity.
By using this feature, you agree that we may share the contents of these messages with the third party service provider that allows us to offer this service.
Terms of Use, paragraph 2 · Citation strength: strong
medium90% confidence
Use of Session Replay Technologies
Discover may implement session replay technologies to understand how you navigate the website, engage with content, and click on portions of the site.
Why it matters: Your interactions on the website, including how you navigate and what you click, may be recorded and analyzed to understand your behavior.
Additionally, you authorize Discover to implement session replay technologies, that allow us to better understand how you navigate our website, how you engage with our content, and the portions of our websites on which you click.
Accounts, Security, and Passwords, paragraph 4 · Citation strength: strong
medium95% confidence
Data Sharing for Online Transactions with Third Parties
To facilitate online transactions initiated by you, Discover may transmit, share, display, and use your account information, including card data, email, phone number, billing address, and card design, with wallet providers, online merchants, or other third parties.
Why it matters: When you make online transactions, your personal and card information may be shared with various third parties involved in the transaction process.
in order to facilitate online transactions initiated by you, you agree that Discover may transmit, share, display, and use your Discover account information which may include card data, email address, phone number, billing address, and card design with wallet providers including Discover Click to Pay, online merchants, or other third parties (“Permitted Party”).
Accounts, Security, and Passwords, paragraph 3 · Citation strength: strong
Cancellation and Renewal
All clear
Terms related to how you can cancel services, automatic renewals, and the consequences of termination.
✓
Looking good
No billing surprises spotted
Verbaterm only flags concerns it can cite. No cancellation, auto-renewal, or refund terms needed attention here.
Gotchas
All clear
Potentially hidden or subtle clauses that could lead to unexpected obligations, costs, or limitations for the user.
✓
Looking good
No hidden gotchas
Verbaterm only flags concerns it can cite. Nothing easy-to-miss stood out in this section.
Protections
Not clearly stated
Commitments and features that benefit the user, offering safeguards, transparency, or control over their data and service use.
?
Not clearly stated
No cited protections — wording is unclear
No explicit user protections found within the provided clauses, such as data deletion rights, under-18 data non-collection, clear refund windows, advance notice for changes, or user controls for data export/management.
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