Browse the apps you use every day, grouped like a store — but every listing shows the clauses worth knowing before you tap accept.
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Facebook collects a huge amount of data about you, even on other sites and apps, and keeps it after you delete your account. You grant a broad license to your content, and disputes are pushed toward forced arbitration in many regions.
Instagram can track you across apps and websites and stores data even on people who never signed up. Your photos and posts are covered by a broad, transferable license while your account is active.
TikTok gathers extensive data including biometric and device info, and says it may edit or repurpose your content for any reason. It claims wide rights over what you upload and uses forced arbitration to limit lawsuits.
X grants itself a broad license to your posts, including the right to share them with partners. Terms can change with little notice and the company can suspend accounts at its discretion.
Snaps may not be as temporary as they feel — content can be retained and is licensed broadly, especially anything posted to public features. Location and usage data are collected extensively.
Reddit takes a broad, perpetual license to everything you post, now also used to train AI and licensed to third parties. Moderation and bans are at the company's discretion.
Netflix auto-renews subscriptions and generally doesn't give refunds for partial months. It tracks detailed viewing habits and can change plans and prices with limited notice.
Spotify auto-renews and rarely refunds, while collecting rich data on your listening to fuel ads and recommendations. It can modify or remove content and features at any time.
YouTube (Google) takes a broad license to uploaded content and harvests extensive cross-service data for ad targeting. It can remove videos or terminate channels at its discretion.
Purchased titles are really long-term licenses that can be revoked, and content can disappear without refund. Subscriptions auto-renew and viewing data feeds Amazon's wider ad ecosystem.
Disney+ auto-renews, offers limited refunds, and uses forced arbitration with a class-action waiver in the US. It collects detailed viewing and device data.
Twitch takes a broad license to your streams and clips and can remove content or ban accounts at will. Purchases of Bits and subs are generally non-refundable.
PayPal can freeze or hold your funds and close accounts at its discretion, sometimes for up to 180 days. The agreement is long, frequently changing, and pushes disputes toward arbitration.
Venmo can freeze balances and shares transaction data, and payments are public by default. It uses forced arbitration and can restrict accounts without much explanation.
Cash App offers limited fraud protection and disputes can be hard to resolve, with funds subject to holds. Mandatory arbitration and a class-action waiver apply.
Coinbase can suspend accounts and freeze crypto, and you may lose access to assets if it changes policy or fails. Fees can be high and disputes go to arbitration.
Robinhood can restrict trading and close positions in volatile markets, and sells your order flow to third parties. Mandatory arbitration limits your legal options.
Klarna's buy-now-pay-later can trigger fees and credit impacts if you miss payments, and it shares data with credit agencies. Terms vary by region and change often.
Amazon can close accounts and withhold balances, and 'purchased' digital content is only a revocable license. It collects vast data across its services and uses arbitration in many regions.
eBay can hold seller funds and suspend accounts, and dispute outcomes often favor the platform's process. It shares data widely and applies arbitration in the US.
AliExpress disputes can be slow and buyer protection is limited, with cross-border data sharing baked in. Terms favor the platform and change frequently.
Temu collects extensive personal and device data and claims broad rights over user content. Its terms include sweeping liability waivers and mandatory arbitration.
Shein gathers a lot of personal data and shares it across borders, with limited transparency about its use. Returns and disputes can be difficult and arbitration applies.
Etsy can hold seller funds and change fees, and uses your data for advertising across the platform. US disputes are subject to arbitration.
Google scans and processes your content to provide and improve services and ties data across its ecosystem. You keep ownership but grant a broad operational license, and accounts can be suspended for policy violations.
Slack stores your messages and files and your workspace owner (employer) controls and can export them. Data is used to operate the service and disputes may go to arbitration.
Microsoft collects telemetry and can scan content for policy enforcement, and subscriptions auto-renew. You retain ownership but grant a broad license to operate the services.
Zoom collects meeting metadata and usage data and has faced scrutiny over content and AI-training rights. Hosts can record meetings and arbitration applies in the US.
Notion stores all your notes and data on its servers and processes them to run the service, including optional AI features. You keep ownership but grant an operational license.
On Steam you buy a license, not the game, and your library can be lost if your account is banned. Purchases are largely non-refundable beyond the limited window and accounts can be terminated at Valve's discretion.
Epic licenses (not sells) games and can ban accounts, wiping access to purchases. V-Bucks and in-game items are non-refundable and have no real-world value.
PSN content is licensed and can be revoked, and a ban can cost you your entire digital library. Sony can change services and wallets are generally non-refundable.
Roblox collects data on a largely young user base and Robux purchases are non-refundable virtual currency you don't truly own. It takes broad rights over user creations and can terminate accounts at will.
Xbox content is licensed and bans can remove access to your purchases. Subscriptions auto-renew and Microsoft can change or discontinue services.
Tinder collects deeply personal data including location, photos, and messages and shares it within the Match Group family. It takes a broad license to your content and uses forced arbitration.
Bumble gathers sensitive profile, location, and messaging data and grants itself a wide license to your content. Subscriptions auto-renew and disputes go to arbitration in the US.
Hinge (Match Group) collects intimate personal data and shares it across affiliated apps. It claims broad content rights and auto-renews paid plans with arbitration clauses.
Grindr handles highly sensitive data and has a history of sharing user information, including location, with third parties. Its terms grant broad rights and limit liability heavily.
By default OpenAI may use your conversations to train its models unless you opt out, and chats can be retained. You own your outputs but bear responsibility for them, and arbitration applies.
Gemini conversations can be reviewed by humans and used to improve Google's models, and activity is tied to your Google account. Retention can persist even after you delete chats.
Anthropic generally does not train on your conversations by default on consumer plans, but retains data for safety and abuse monitoring. You're responsible for how you use the outputs.
Midjourney makes your images public by default and takes broad rights to use them, while paid rights depend on your plan. It disclaims liability over generated content and copyright.
Grammarly processes everything you type into it on its servers and grants itself a license to use that text to operate and improve the service. Sensitive content may be exposed to its systems.
Google scans files for policy and security and ties Drive to your wider Google data profile. You keep ownership but grant a broad operational license, and accounts can be suspended.
Dropbox stores and scans files for abuse and DMCA enforcement and can suspend accounts for violations. You retain ownership but grant a license to host and process your files.
Apple can scan for prohibited content and may terminate accounts, potentially locking you out of stored data. Storage plans auto-renew and data handling varies by region.
Microsoft scans OneDrive content for policy enforcement and can suspend accounts, risking access to your files. Storage is tied to your Microsoft account and subscription.
Uber tracks detailed location and trip data and uses surge pricing with limited recourse on fares. Mandatory arbitration and broad liability waivers limit your legal options.
Lyft collects extensive location data and applies dynamic pricing, with disputes funneled to arbitration. Liability for incidents is heavily limited in its terms.
Airbnb's cancellation and refund rules often favor hosts and the platform, and service fees are non-refundable. It limits liability for stays and uses arbitration in the US.
Booking.com acts only as an intermediary and disclaims responsibility for the actual stay, while non-refundable rates trap your money. It shares your data with providers and partners.
Strava maps your routes and activity and segments data can expose your home and patterns if privacy settings aren't tightened. It uses your data for features and analytics and auto-renews subscriptions.
Fitbit (Google) collects sensitive health and biometric data now tied into Google's ecosystem. Data sharing is broad and access can change as accounts migrate to Google.
MyFitnessPal collects detailed diet, weight, and health data and has suffered a major data breach in the past. It shares data for ads and auto-renews premium plans.
Calm auto-renews subscriptions and refunds are limited, while collecting data on your wellness habits. It shares some data with advertising and analytics partners.
Duolingo tracks learning behavior and device data for ads and personalization, and auto-renews paid plans. It grants itself a broad license to any content you submit.
Coursera controls access to courses and certificates and can revoke them, with limited refund windows. It collects learning and personal data and uses arbitration in the US.
Udemy course access is a revocable license and content can be removed without notice, with refunds limited to a short window. It collects usage data and applies arbitration.
Khan Academy is a nonprofit with relatively user-friendly terms, though it still collects learner data including from children. It grants itself a license to content you post and can change services.
Telegram's default chats are not end-to-end encrypted and are stored on its servers, only Secret Chats are. It has begun sharing user data with authorities under legal requests and its terms allow broad moderation.
Discord messages are not end-to-end encrypted and are stored on its servers, accessible for moderation and legal requests. It takes a broad license to your content and can suspend accounts, wiping Nitro purchases with limited refunds.
Messenger ties into Meta's wider data machine, sharing information across Facebook and Instagram for ads and profiling. End-to-end encryption is now default but metadata is still collected, and Meta takes a broad license to your content.
Google Messages supports end-to-end encrypted RCS chats, but message metadata and device data feed into your wider Google profile. Non-RCS SMS/MMS are not encrypted and carrier data handling applies.
WeChat is not end-to-end encrypted and messages can be monitored, moderated, and shared with Chinese authorities. It collects extensive data across chat, payments, and mini-programs and takes broad rights over user content.
Signal is run by a nonprofit and collects almost no metadata beyond your phone number and last connection date. Messages and calls are end-to-end encrypted by default and the code is open source.