Snapshot of the source text at fetch time, not a live mirror of the policy page.
Plain-English summary
This review of Stripe's Consumer Terms of Service highlights several areas of concern. Users in the U.S. are subject to mandatory individual arbitration, waiving their right to a jury trial and class action lawsuits (risk_flags-1). The company has broad rights to terminate user accounts and access to services at any time for any reason, potentially without notice if a violation is suspected. Upon termination, users will lose access to the services and any submitted information (risk_flags-3). The company disclaims all warranties for products and services and limits its liability for losses to a maximum of $200 USD (risk_flags-4, risk_flags-5). Any feedback or ideas submitted by users can be used by the company without compensation, and all rights to such feedback are assigned to the company (risk_flags-6). For cryptocurrency users, there is a significant risk of loss, as users bear all risk of loss for Supported Digital Assets, including from value fluctuations or unauthorized transactions (risk_flags-7). Additionally, the company is not responsible for losses or delays caused by issues with underlying blockchain networks, which are outside of its control (risk_flags-8). The company also reserves the right to change its terms at any time, with continued use of services implying acceptance of new terms (gotchas-1).
89% confidence
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Follow up on findings with grounded answers from this review. Not legal advice.
Risks to be aware of
6 findings
Clauses that may be harmful to you and are not standard. These are often one-sided or may be difficult to understand.
high95% confidence
Mandatory Individual Arbitration
If you are located in the United States, you agree to resolve disputes with Stripe through individual arbitration, which prohibits class action lawsuits, waives your right to a jury trial, and limits the time to bring a claim.
Why it matters: You cannot participate in a class-action lawsuit or have a jury trial if you have a dispute with Stripe. You must resolve disputes individually through arbitration.
IF YOU ARE LOCATED IN THE UNITED STATES, YOU AGREE TO OUR ARBITRATION AGREEMENT, WHICH REQUIRES YOU TO RESOLVE DISPUTES BETWEEN YOU AND STRIPE ON AN INDIVIDUAL BASIS THROUGH ARBITRATION, PROHIBITS YOU FROM MAINTAINING OR PARTICIPATING IN A CLASS ACTION LAWSUIT, WAIVES YOUR RIGHT TO A JURY TRIAL, AND LIMITS THE TIME IN WHICH A CLAIM MAY BE BROUGHT.
Additional Terms That Apply to You, paragraph 2 · Citation strength: strong
high90% confidence
Loss of Information and Access Upon Termination
Upon termination, you will not have any further use of or access to the Consumer Services or any information you submitted through them, and all rights granted under these Terms will end.
Why it matters: You will lose access to the services and any information you submitted if your account is terminated.
Upon termination, you will not have any further use of or access to the Consumer Services. Subject to applicable law, you will also not have any use of or access to any information you submitted through the Consumer Services, and all rights granted under these Terms will end.
The company will not be liable for specific types of losses like loss of business or profit, or any loss they could not have reasonably anticipated. In any case, their liability is limited to the greater of $200 USD or the amount you paid for the Order on which your claim is based.
Why it matters: You may not be able to recover certain types of losses, and the company's financial liability to you is significantly limited.
The Disclaiming Entities will not be liable to you in any circumstances for: (a) Loss of business, loss of goodwill, loss of opportunity, or loss of profit; or (b) Any loss that we could not have reasonably anticipated. Subject to the specific product Terms below and applicable consumer laws in your country, in no event will a Disclaiming Entity's liability arising out of or in connection with these Terms exceed the greater of $200 USD or, if applicable, the amount you paid for the Order on which your claim is based.
You agree that any feedback, ideas, and suggestions you submit about the Consumer Services can be used, integrated, and shared by the company for any purpose without compensation or obligation to you. You assign all rights, title, and interest to such feedback to the company.
Why it matters: You will not be compensated for any feedback or ideas you provide, and the company will own all rights to them.
You agree that we may use, integrate, and share all feedback, ideas, and suggestions you submit for any purpose and without compensation or obligation to you. You assign to us all rights, title and interest to any feedback, ideas and suggestions, including the right to use, modify and integrate them in any manner.
Additional Terms That Apply to You, paragraph 11 · Citation strength: strong
high95% confidence
Cryptocurrency Risk of Loss to User
As the owner of Supported Digital Assets in your Link Balance, you will bear all risk of loss, including due to fluctuations in asset value or fraudulent/unauthorized transactions.
Why it matters: You are fully responsible for any losses of your digital assets, including those from value changes or fraud.
As owner of the Supported Digital Assets in your Link Balance, you will bear all risk of loss (including due to fluctuations in asset value or fraudulent or unauthorized transactions) of such Supported Digital Assets.
Link Balance Terms, paragraph 1 · Citation strength: strong
high90% confidence
Company Not Responsible for Blockchain Network Issues
The company states that blockchain networks underlying Supported Digital Assets are decentralized and outside of its control, and it makes no guarantees regarding transfer or withdrawal times. It is not responsible for losses or damages caused by network congestion, high transaction volumes, or issues with the underlying protocol.
Why it matters: Transfers or withdrawals of your digital assets may be delayed or fail due to network issues outside the company's control, and the company will not be liable for any resulting losses.
Network congestion, high transaction volumes, or issues with the underlying protocol may cause transactions to be delayed, suspended, or fail. Link and Bridge are not responsible for any losses or damages caused by such delays or failures.
How the company collects, uses, and shares your data.
medium90% confidence
Cross-Border Data Transfer
The company may transfer your personal data to countries other than your own, including the United States.
Why it matters: Your personal data may be stored or processed in countries with different data protection laws than your home country.
We may transfer your personal data to countries other than your own country, including the United States.
Additional Terms That Apply to You, paragraph 4 · Citation strength: strong
medium90% confidence
Broad Data Sharing with Link Merchants and Financial Partners
The company uses personal data collected, including Account, Payment, Shipping, and Order Information, to develop and analyze services and to share with Link Merchants and Business Users. This shared data may include whether you have a Link Account, if you completed a purchase using Link accelerated checkout services, and the payment method type used. Account Information may also be shared with financial partners to assist in obtaining services from them.
Why it matters: Your personal and payment data, as well as purchasing habits, may be broadly shared with Link Merchants, Business Users, and financial partners, potentially leading to targeted marketing or other uses.
" We will use all personal data we collect about you in accordance with the Link Privacy Policy , including to develop and analyze our services and to share with our Link Merchants and our Business Users. The data we share with Link Merchants and Business Users may include: (i) the fact that you have a Link Account, (ii) whether you completed a purchase using Link accelerated checkout services, and (iii) the payment method type used for a purchase you made using Link. We may also share your Account Information with our financial partners in order to assist you in obtaining services from our financial partners.
How subscriptions or services renew, and how to cancel them.
?
Not clearly stated
No cited billing terms — wording is unclear
This document does not clearly state how subscriptions or services renew, or how to cancel them.
Other Gotchas
2 findings
Important clauses that may not fit into other categories but could have a significant impact on users.
medium90% confidence
Company May Change Terms at Any Time
The company may revise these Terms from time to time. While they will use reasonable efforts to notify you of material changes in advance, by using a Consumer Service after revisions become effective, you agree to those changes. If you do not agree, you must stop using the services.
Why it matters: The terms of service can change, and you are bound by new terms if you continue using the services after they become effective.
We may revise these Terms from time to time. We will use reasonable efforts to notify you of material changes to these Terms in advance of their effectiveness, including by posting notice on the applicable Consumer Services or providing notice via an email address associated with you. The revised Terms will be effective on the date stated in the revised Terms. By using a Consumer Service after any revisions become effective, you agree to those changes. If you do not agree with any changes to these Terms, you must stop using the Consumer Services.
Additional Terms That Apply to You, paragraph 7 · Citation strength: strong
medium90% confidence
Automatic Payment Method Update
If your Payment Information changes, you authorize the company to update it using available information and third-party sources without any action on your part, as permitted by law.
Why it matters: Your payment method details, like an expired credit card number, may be automatically updated without your direct input.
Please keep your Payment Information current (e.g., credit card number and expiration date). If this information changes, you authorize us to, as permitted by and in accordance with the law, update it using information and third-party sources available to us without any action on your part. If you do not want us to update your card information, you may remove your Payment Information from your Link Account .
Adding or Removing a Payment Method, paragraph 3 · Citation strength: strong
Strong Protections
4 findings
These are the policies and practices that help protect you and your data.
Protection95% confidence
Opt-Out of Promotional Communications
You can opt-out of promotional email communications by following unsubscribe options or managing preferences. You can opt-out of text messages by replying STOP and opt-out of phone calls by notifying the caller or contacting support. You are not required to consent to promotional texts or calls to use any Consumer Service.
Why it helps: You have control over receiving promotional communications and are not forced to receive them to use the service.
You may opt-out of receiving promotional email communications we send to you by following the unsubscribe options on such emails or by managing your communications preferences in the app. You may opt-out of text messages from Stripe by replying STOP or by following instructions that you receive in the text message. You may opt-out of phone calls by notifying the caller or by contacting support .
Additional Terms That Apply to You, paragraph 11 · Citation strength: strong
Protection95% confidence
Right to Terminate Account
You may terminate any Consumer Service at any time and for any reason by terminating the Consumer Service or closing or deleting your account.
Why it helps: You have the right to close your account and stop using the services at any time.
Termination by You : Subject to any product-specific Terms below, you may terminate any Consumer Service at any time and for any reason by terminating the Consumer Service or closing or deleting your account as described below in the Link Account Terms.
If your access to your Link Account is terminated by you or the company, they will delete your Saved Information in accordance with their Privacy Policy.
Why it helps: Your saved personal information will be deleted if your account is terminated.
If your access to your Link Account is terminated by you or us, we will delete your Saved Information in accordance with our Privacy Policy .
Updating or terminating your Link Account, paragraph 4 · Citation strength: strong
Protection90% confidence
Notification Before Dormant Account Closure
If your Link Account is considered dormant (inactive for two years), the company will notify you by email and provide a 30-day period to reactivate it before closing it.
Why it helps: You receive a warning and an opportunity to prevent your account from being closed due to inactivity.
Prior to closing the Dormant Account, Stripe will notify you using the email address associated with your Link Account. Starting from the date of our notice to you, we will provide you with a period of 30 days to reactivate your Link Account by logging in and performing any Link Account activity listed above.