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Plain-English summary
The terms of service for MoneyLion contain several significant risks for users. These include mandatory arbitration and class action waivers (risk_flags-1), which limit legal recourse. The company reserves the right to change or reclaim user RoarTags (risk_flags-2) and terminate access to services without notice (risk_flags-3), holding no liability for service unavailability (risk_flags-4).
Additionally, users grant a broad, perpetual license to their User Content (risk_flags-5), which is considered non-confidential (risk_flags-6), and the company can use it for promotional purposes without compensation (risk_flags-7). Finally, any additional terms and conditions for services will take precedence over the main terms in case of conflict (risk_flags-8).
95% confidence
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Risk Flags
Critical issues that could lead to significant harm for the user. These typically involve material financial risks, privacy violations, or limitations on legal recourse.
high95% confidence
Mandatory Arbitration and Class Action Waiver
By agreeing to these terms, users will become subject to an arbitration provision with class action and jury trial waivers.
Why it matters: This provision limits the user's ability to sue the company in court, prevents them from participating in class action lawsuits, and waives their right to a jury trial, potentially weakening their legal recourse.
BY AGREEING TO THESE TERMS, YOU WILL BECOME SUBJECT TO AN ARBITRATION PROVISION WITH CLASS ACTION AND JURY TRIAL WAIVERS.
**MoneyLion Terms of Service**, paragraph 2 · Citation strength: strong
high95% confidence
Company can reclaim or deactivate your RoarTag without liability
We may require you to change your RoarTag at our sole discretion, and we may deactivate your MoneyLion Account, or reclaim or make unavailable your RoarTag, without liability to you.
Why it matters: The company can force a user to change their RoarTag or reclaim it without any legal responsibility to the user, potentially causing disruption or loss of their chosen identifier.
We may require you to change your RoarTag at our sole discretion, and we may deactivate your MoneyLion Account, or reclaim or make unavailable your RoarTag, without liability to you.
**B. Providing Accurate and Updated Information; Credit Authorization**, paragraph 5 · Citation strength: strong
high95% confidence
Company can terminate access without notice
We reserve the right to make changes to how we operate our business, including to any portion of the MoneyLion Platform, including adding new Services, modifying existing Services, or suspending, discontinuing, or terminating your access to any or all portions of our Services, at any time, in our sole discretion, and without notice to you.
Why it matters: The company can suspend, discontinue, or terminate a user's access to all or parts of its services at any time, in its sole discretion, and without prior notice, leading to unexpected loss of service.
We reserve the right to make changes to how we operate our business, including to any portion of the MoneyLion Platform, including adding new Services, modifying existing Services, or suspending, discontinuing, or terminating your access to any or all portions of our Services, at any time, in our sole discretion, and without notice to you.
**These Terms May Change**, paragraph 7 · Citation strength: strong
high95% confidence
Company not liable if services are unavailable
We will not be liable if for any reason all or any part of the MoneyLion Platform is unavailable at any time or for any period.
Why it matters: Users have no recourse if the service becomes unavailable, even for extended periods, as the company states it will not be liable.
We will not be liable if for any reason all or any part of the MoneyLion Platform is unavailable at any time or for any period.
**These Terms May Change**, paragraph 7 · Citation strength: strong
high95% confidence
Broad license to use User Content
By uploading User Content, users grant the company a non-exclusive, transferable, unlimited, worldwide, perpetual, irrevocable, sub-licensable and royalty-free license to use, modify, adapt, reproduce, make derivative works of, publish and/or transmit, and store that User Content and to distribute and make it available to third parties.
Why it matters: The company obtains extensive, permanent, and irrevocable rights to user-generated content, including the ability to sublicense it and use it for various purposes, potentially beyond what users might expect for their personal content.
You retain all ownership rights in your User Content, but by uploading or submitting any User Content to the MoneyLion Platform, you grant us a non-exclusive, transferable, unlimited, worldwide, perpetual, irrevocable, sub-licensable and royalty-free license to use, modify, adapt, reproduce, make derivative works of, publish and/or transmit, and store that User Content and to distribute and make it available to third parties for the purposes of providing, developing, optimizing, improving and promoting or enhancing the MoneyLion Platform or any of our Services, or any other products or services, whether offered by MoneyLion or a third party, that may be relevant to your User Content.
****I. Intellectual Property Rights in User Content****, paragraph 1 · Citation strength: strong
high95% confidence
User Content is considered non-confidential
All User Content will be considered non-confidential. Users must not post or otherwise transmit any User Content that they consider to be confidential, including their personal information or specific financial information.
Why it matters: Users who post content, even their own personal or financial information, should not expect it to be kept confidential, and the company advises against posting such content.
All User Content will be considered non-confidential. You must not post or otherwise transmit any User Content through the MoneyLion Platform that you consider to be confidential, including but not limited to, your personal information or any specific financial information, e.g., your bank account details.
****I. Intellectual Property Rights in User Content****, paragraph 2 · Citation strength: strong
high95% confidence
No compensation for promotional use of User Content
Users waive any rights to prior inspection or approval of promotional or marketing materials using their User Content and will have no right to be compensated for their use or share in any goodwill or value generated by such use.
Why it matters: The company can use user-generated content for promotional and marketing purposes without needing user approval or providing any compensation, even if the content creates value for the company.
s to prior inspection or approval of such marketing or promotional materials, and you will have no right to be compensated for MoneyLion’s use of your User Content or share in any goodwill or value generated by such use.
****I. Intellectual Property Rights in User Content****, paragraph 3 · Citation strength: strong
medium95% confidence
Services may be subject to additional terms and conditions
Access to these Services may be subject to additional terms and conditions or other agreements specific to these Services (“Additional Terms”). If there is a conflict between these MoneyLion Terms and the Additional Terms, such other Additional Terms will take precedence.
Why it matters: Users might be bound by multiple sets of terms, and in case of conflict, the Additional Terms will override the main terms, potentially introducing less favorable conditions without prominent notice.
Access to these Services may be subject to additional terms and conditions or other agreements specific to these Services (“**Additional Terms**”). These MoneyLion Terms hereby incorporate by reference any Additional Terms to which you may agree. If there is a conflict between these MoneyLion Terms and the Additional Terms, such other Additional Terms will take precedence with respect to the specific aspects of the Service to which they apply.
**Other Terms May Apply**, paragraph 1 · Citation strength: strong
Data Use
How the company collects, uses, shares, and protects user data. This includes details on data types, purposes of processing, and third-party disclosures.
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No data-use concerns flagged
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Cancellation and Renewal
Terms related to how users can cancel services, provisions for automatic renewals, and any associated fees or conditions.
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No billing surprises spotted
Verbaterm only flags concerns it can cite. No cancellation, auto-renewal, or refund terms needed attention here.
Gotchas
Less obvious clauses that might have surprising implications or are generally not in the user's favor, but may not be critical enough to be 'risk flags'.
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No hidden gotchas
Verbaterm only flags concerns it can cite. Nothing easy-to-miss stood out in this section.
Protections
Explicit commitments and features designed to protect user interests, rights, and safety.
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No source-backed concerns shown
Verbaterm only flags concerns it can cite. Uncited model claims stay out of the review and do not count against the company.
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