The database

Clause database

One row per captured consumer agreement. Each cell is the reviewed category for that field; open the document for the words the category describes.

139 documents (110 documents with an arbitration clause, 29 documents without one), from 135 families (107 families with a clause, 28 families without). A count is by document unless it says families; what the two units mean.

Company and document	Sector	Arbitration clause	Captured	Delegation	Consumer fee share	Company fee promise	Fee shifting	Pre-filing	Mass arbitration	Small claims	Opt-out	Modification	Scope	Confidentiality	Limitations period	Severability	Counsel restrictions	Mass-arbitration trigger
Activision Publishing, Inc. Software License and Service Agreement	Gaming, social, and hospitality	yes	2026-09-19	`to-arbitrator-except-procedural`	`silent`	`silent`	`silent`	`mandatory-condition-precedent`	`incorporates-provider-rules-only`	`available-standard-carve-out`	`general-with-window`	`continued-use-is-acceptance`	`broad-plus-survives-termination`	`silent`	`shortened-to-2-years`	`whole-clause-void-if-class-waiver-struck`	`silent`	`forum-switch-trigger` “20 or more” Disputes or demands for arbitration `recorded as 20`
ADT ADT Services Agreement	Home services and warranty	yes	2026-09-19	`to-court`	`filing-fee-paid-or-reimbursed`	`hardship-or-request-conditioned`	`silent`	`mandatory-condition-precedent`	`anti-consolidation-only`	`available-standard-carve-out`	`silent`	`effective-on-posting-or-without-notice`	`broad-plus-survives-termination`	`silent`	`shortened-to-1-year`	`narrow-severance`	`silent`	`no-mass-filing-terms`
Affirm Affirm Terms of Service	Fintech, payments, and lending	yes	2026-09-19	`to-arbitrator-full`	`company-pays-part-or-on-conditions`	`hardship-or-request-conditioned`	`company-fee-recovery-if-claim-filed-in-court`	`encouraged-not-required`	`anti-consolidation-only`	`silent`	`silent`	`notice-then-continued-use`	`claims-between-the-parties-only`	`silent`	`shortened-to-1-year`	`narrow-severance`	`silent`	`no-mass-filing-terms`
Afterpay Afterpay Installment Agreement	Fintech, payments, and lending	yes	2026-09-19	`to-arbitrator-full`	`company-pays-part-or-on-conditions`	`hardship-or-request-conditioned`	`silent`	`mandatory-condition-precedent`	`silent`	`available-standard-carve-out`	`general-with-window`	`change-right-mechanism-unstated`	`broad-reaches-affiliates-and-third-parties`	`silent`	`silent`	`whole-clause-void-if-class-waiver-struck`	`silent`	`no-mass-filing-terms`
Airbnb Terms of Service	Marketplaces, gig, travel, and auto	yes	2026-09-19	`to-arbitrator-full`	`company-pays-part-or-on-conditions`	`hardship-or-request-conditioned`	`offer-of-judgment-cost-shift`	`mandatory-condition-precedent`	`mass-action-waiver-plus-sequential-batching`	`available-standard-carve-out`	`change-rejection-only`	`continued-use-is-acceptance`	`broad-plus-survives-termination`	`proceeding-confidential`	`named-state-limitations-period-applies`	`narrow-severance`	`personal-participation-or-signature-required`	`mass-action-waiver-with-batching-fallback` “100 or more” arbitration claims `recorded as 100`
Allina Health Terms and Conditions of Use for allinahealth.org	Education, health, and senior services	no clause in the captured document	2026-09-19
Amazon Conditions of Use	Marketplaces, gig, travel, and auto	yes	2026-09-19	`to-arbitrator-except-procedural`	`silent`	`silent`	`silent`	`mandatory-condition-precedent`	`batching`	`available-standard-carve-out`	`silent`	`continued-use-is-acceptance`	`broad-plus-survives-termination`	`no-preclusive-effect-clause`	`silent`	`narrow-severance`	`litigation-funding-disclosure`	`batching-trigger` “25 or more” demands for arbitration `recorded as 25`
American Express National Bank Card Member Agreement	Banks, cards, and credit bureaus	yes	2026-09-19	`to-court`	`capped-at-court-filing-fee`	`award-floor-or-bonus-tied-to-settlement-offer`	`one-way-collection-or-enforcement-costs`	`notice-required`	`anti-consolidation-only`	`available-standard-carve-out`	`general-with-window`	`change-right-mechanism-unstated`	`survives-sale-binds-buyer`	`proceeding-confidential`	`expressly-not-shortened`	`whole-clause-void-if-class-waiver-struck`	`no-agent-opt-out`	`no-mass-filing-terms`
American Home Shield Real Estate Home Service Plan (Sample Agreement)	Home services and warranty	yes	2026-09-19	`to-arbitrator-except-class-waiver`	`silent`	`silent`	`silent`	`silent`	`anti-consolidation-only`	`silent`	`silent`	`notice-then-continued-use`	`claims-between-the-parties-only`	`silent`	`silent`	`silent`	`silent`	`no-mass-filing-terms`
Anytime Fitness Terms & Conditions	Telecom, streaming, and subscriptions	yes	2026-09-19	`silent`	`mass-filing-fee-term-only`	`no-promise-arbitrator-may-award-costs`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`mass-filing-fee-terms`	`available-standard-carve-out`	`silent`	`continued-use-is-acceptance`	`broad-plus-survives-termination`	`proceeding-confidential`	`notice-deadline-1-year`	`whole-clause-void-if-class-waiver-struck`	`silent`	`provider-rules-deferral`
AT&T AT&T Consumer Service Agreement	Telecom, streaming, and subscriptions	yes	2026-09-19	`to-court`	`company-pays-share-below-stated-claim-value`	`award-floor-or-bonus-tied-to-settlement-offer`	`provider-fee-rules-apply-if-claim-found-improper`	`mandatory-condition-precedent`	`staged-bellwether`	`available-standard-carve-out`	`change-rejection-only`	`fresh-rejection-right-per-amendment`	`broad-plus-survives-termination`	`no-preclusive-effect-clause`	`shortened-to-2-years`	`narrow-severance`	`authentication-before-account-shared-with-attorney`	`bellwether-trigger` “25 or more” claimants who submit Notices or seek to file arbitration demands raising similar claims `recorded as 25`
Bank of America Deposit Agreement and Disclosures	Banks, cards, and credit bureaus	yes	2026-09-19	`split-formation-to-court`	`provider-rules-only-no-cap`	`silent`	`frivolous-or-rule-11-only`	`silent`	`staged-bellwether`	`available-standard-carve-out`	`general-with-window`	`continued-use-is-acceptance`	`broad-plus-survives-termination`	`proceeding-confidential`	`expressly-not-shortened`	`narrow-severance`	`personal-signature-and-counsel-certification`	`bellwether-trigger` “twenty-five (25) or more” arbitration claims `recorded as 25`
Barclays Bank Delaware Standard Credit Agreement	Banks, cards, and credit bureaus	yes	2026-09-19	`to-court`	`company-pays-part-or-on-conditions`	`reimburses-filing-fee`	`one-way-collection-or-enforcement-costs`	`notice-only-no-waiting-period`	`anti-consolidation-only`	`available-standard-carve-out`	`silent`	`notice-then-continued-use`	`third-party-beneficiary-named-retailer`	`silent`	`silent`	`narrow-severance`	`silent`	`no-mass-filing-terms`
Best Buy My Best Buy Total™ Terms of Service	Marketplaces, gig, travel, and auto	yes	2026-09-19	`to-court`	`provider-rules-only-no-cap`	`mass-proceeding-fees-only`	`offer-of-judgment-cost-shift`	`mandatory-condition-precedent`	`bellwether-then-release-to-court`	`available-standard-carve-out`	`change-rejection-only`	`effective-on-posting-or-without-notice`	`broad-reaches-affiliates-and-third-parties`	`no-preclusive-effect-clause`	`silent`	`narrow-severance`	`personal-participation-or-signature-required`	`bellwether-then-release-to-court` “25 or more” similar Disputes `recorded as 25`
BetterHelp Terms and Conditions	Education, health, and senior services	yes	2026-09-19	`to-arbitrator-except-class-waiver`	`provider-rules-only-no-cap`	`pays-only-where-required-by-law`	`court-equivalent-fee-shifting-imported`	`optional-informal-period`	`batching`	`available-standard-carve-out`	`general-with-window`	`effective-on-posting-or-without-notice`	`broad-plus-survives-termination`	`pre-filing-negotiations-only`	`expressly-not-shortened`	`narrow-severance`	`expressly-permits-representation`	`batching-trigger` “25 or more” arbitration demands of a similar nature `recorded as 25`
Big Picture Loans Terms of Website Use	High-cost lending and debt relief	no clause in the captured document	2026-09-19
Big Picture Loans Tribal Dispute Resolution Procedure page	High-cost lending and debt relief	no clause in the captured document	2026-09-19
Booking.com Customer terms of service	Marketplaces, gig, travel, and auto	yes	2026-09-19	`to-arbitrator-except-class-waiver`	`provider-rules-only-no-cap`	`mass-proceeding-fees-only`	`offer-of-judgment-cost-shift`	`mandatory-condition-precedent`	`batching`	`available-standard-carve-out`	`general-with-window`	`continued-use-is-acceptance`	`broad-reaches-affiliates-and-third-parties`	`documents-exchanged-confidential`	`expressly-not-shortened`	`batching-tied-whole-clause-void`	`counsel-certification-required`	`batching-trigger` “twenty-five (25) or more” individual Demands of a substantially similar nature `recorded as 25`
Comenity Bank Credit Card Agreement	Banks, cards, and credit bureaus	yes	2026-09-19	`to-court-but-whole-contract-to-arbitrator`	`company-pays-part-or-on-conditions`	`hardship-or-request-conditioned`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`anti-consolidation-only`	`available-standard-carve-out`	`general-with-window`	`supersedes-prior-arbitration-agreement`	`broad-plus-survives-termination`	`no-preclusive-effect-clause`	`expressly-not-shortened`	`whole-clause-void-if-class-waiver-struck`	`no-third-party-submission`	`no-mass-filing-terms`
Capella University Terms of Use	Education, health, and senior services	no clause in the captured document	2026-09-19
Capital One 360 Checking Account Disclosures / 360 Checking Agreement	Banks, cards, and credit bureaus	no clause in the captured document	2026-09-19
CareCredit CARECREDIT CREDIT CARD ACCOUNT AGREEMENT	Education, health, and senior services	yes	2026-09-19	`to-court-but-whole-contract-to-arbitrator`	`each-side-bears-own-attorney-fees`	`silent`	`court-equivalent-fee-shifting-imported`	`mass-arbitration-only-condition`	`batching`	`available-standard-carve-out`	`general-with-window`	`change-right-mechanism-unstated`	`broad-plus-survives-termination`	`no-preclusive-effect-clause`	`expressly-not-shortened`	`whole-clause-void-if-class-waiver-struck`	`counsel-certification-required`	`provider-rules-deferral`
CarShield Platinum Coverage Vehicle Service Contract Terms and Conditions	Home services and warranty	yes	2026-09-19	`silent`	`silent`	`silent`	`silent`	`silent`	`silent`	`silent`	`silent`	`silent`	`claims-between-the-parties-only`	`silent`	`silent`	`silent`	`silent`	`no-mass-filing-terms`
Cash App Cash App Terms of Service	Fintech, payments, and lending	yes	2026-09-19	`to-arbitrator-except-procedural`	`provider-rules-only-no-cap`	`mass-proceeding-fees-only`	`pre-filing-noncompliance-costs`	`mandatory-condition-precedent`	`staged-bellwether`	`available-standard-carve-out`	`general-with-window`	`continued-use-is-acceptance`	`broad-reaches-affiliates-and-third-parties`	`proceeding-confidential`	`silent`	`narrow-severance`	`individualized-conference-required`	`bellwether-trigger` “twenty-five (25) or more” similar individual arbitration demands `recorded as 25`
CenturyLink / Quantum Fiber Internet Subscriber Agreement	Telecom, streaming, and subscriptions	no clause in the captured document	2026-09-19
Chewy Terms of Use	Marketplaces, gig, travel, and auto	yes	2026-09-19	`to-arbitrator-full`	`filing-fee-paid-or-reimbursed`	`pays-filing-fees-plus-capped-attorney-contribution`	`provider-fee-rules-apply-if-claim-found-improper`	`mandatory-condition-precedent`	`batching`	`available-standard-carve-out`	`silent`	`continued-use-is-acceptance`	`broad-plus-survives-termination`	`silent`	`shortened-to-2-years`	`narrow-severance`	`silent`	`batching-trigger` “100 or more” similar individual arbitration demands `recorded as 100`
Chime Deposit Account Agreement	Fintech, payments, and lending	yes	2026-09-19	`to-arbitrator-full`	`filing-fee-paid-or-reimbursed`	`reimburses-filing-fee`	`silent`	`silent`	`anti-consolidation-only`	`silent`	`expressly-none`	`continued-use-is-acceptance`	`broad-plus-survives-termination`	`silent`	`silent`	`narrow-severance`	`silent`	`no-mass-filing-terms`
Choice Home Warranty Terms of Service Agreement	Home services and warranty	yes	2026-09-19	`to-arbitrator-except-class-waiver`	`silent`	`silent`	`court-equivalent-fee-shifting-imported`	`mandatory-condition-precedent`	`anti-consolidation-only`	`limited-by-venue-or-condition`	`silent`	`notice-then-continued-use`	`claims-between-the-parties-only`	`silent`	`silent`	`narrow-severance`	`silent`	`no-mass-filing-terms`
Cinch Home Services Home Warranty Agreement	Home services and warranty	yes	2026-09-19	`to-arbitrator-full`	`provider-rules-only-no-cap`	`silent`	`silent`	`silent`	`anti-consolidation-only`	`available-standard-carve-out`	`silent`	`notice-then-continued-use`	`claims-between-the-parties-only`	`silent`	`silent`	`narrow-severance`	`expressly-permits-representation`	`no-mass-filing-terms`
Citibank Consumer Deposit Account Agreement	Banks, cards, and credit bureaus	yes	2026-09-19	`to-arbitrator-full`	`company-pays-share-below-stated-claim-value`	`pays-all-arbitration-fees`	`frivolous-or-rule-11-only`	`silent`	`anti-consolidation-only`	`available-standard-carve-out`	`general-with-window-45-days-but-closed-to-existing-customers`	`effective-on-posting-or-without-notice`	`broad-plus-survives-termination`	`account-information-protection-only`	`shortened-to-1-year`	`narrow-severance`	`no-agent-opt-out`	`no-mass-filing-terms`
Coinbase Individual User Agreement	Fintech, payments, and lending	yes	2026-09-19	`to-court`	`each-side-bears-own-attorney-fees`	`silent`	`pre-filing-noncompliance-dismissal`	`mandatory-condition-precedent`	`batching`	`available-standard-carve-out`	`silent`	`continued-use-is-acceptance`	`broad-plus-survives-termination`	`documents-exchanged-confidential`	`expressly-not-shortened`	`narrow-severance`	`personal-participation-or-signature-required`	`batching-trigger` “twenty-five (25) or more” individual arbitration demands of substantially similar nature `recorded as 25`
College Ave Terms of Use	Education, health, and senior services	yes	2026-09-19	`to-arbitrator-except-class-waiver`	`capped-at-stated-amount`	`pays-all-arbitration-fees`	`court-equivalent-fee-shifting-imported`	`mandatory-condition-precedent`	`incorporates-provider-rules-only`	`available-standard-carve-out`	`general-with-window`	`material-adverse-amendment-requires-rejection-right`	`broad-plus-survives-termination`	`silent`	`silent`	`narrow-severance`	`personal-participation-or-signature-required`	`provider-rules-deferral`
Comcast Xfinity Residential Services Agreement	Telecom, streaming, and subscriptions	yes	2026-09-19	`to-court`	`company-pays-part-or-on-conditions`	`hardship-or-request-conditioned`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`incorporates-provider-rules-only`	`available-standard-carve-out`	`general-with-window`	`continued-use-is-acceptance`	`broad-reaches-affiliates-and-third-parties`	`account-information-protection-only`	`shortened-to-1-year`	`class-waiver-declared-non-severable`	`authorization-to-share-account-with-counsel`	`provider-rules-deferral`
Cox Communications Residential Customer Service Agreement	Telecom, streaming, and subscriptions	yes	2026-09-19	`to-arbitrator-except-class-waiver`	`provider-rules-only-no-cap`	`award-floor-or-bonus-tied-to-settlement-offer`	`costs-for-breach-of-dispute-terms`	`mandatory-condition-precedent`	`anti-aggregation-counsel-bar`	`available-standard-carve-out`	`general-with-window`	`notice-then-continued-use`	`broad-plus-survives-termination`	`no-preclusive-effect-clause`	`shortened-to-2-years`	`whole-clause-void-if-class-waiver-struck`	`silent`	`filing-ban` “twenty-five or more” similar demands for arbitration `recorded as 25`
CreditRepair.com Terms of Use	High-cost lending and debt relief	yes	2026-09-19	`to-arbitrator-full`	`filing-fee-paid-or-reimbursed`	`reimburses-filing-fee`	`silent`	`silent`	`silent`	`silent`	`silent`	`continued-use-is-acceptance`	`broad-plus-survives-termination`	`silent`	`silent`	`narrow-severance`	`silent`	`no-mass-filing-terms`
Dave Dave Terms of Use	Fintech, payments, and lending	yes	2026-09-19	`to-arbitrator-except-class-waiver`	`provider-rules-only-no-cap`	`mass-proceeding-fees-only`	`offer-of-judgment-cost-shift`	`mandatory-condition-precedent`	`batching`	`available-standard-carve-out`	`general-with-window`	`continued-use-is-acceptance`	`broad-plus-survives-termination`	`documents-exchanged-confidential`	`shortened-to-2-years`	`batching-tied-whole-clause-void`	`individualized-conference-required`	`batching-trigger` “twenty-five (25) or more” individual Demands of a substantially similar nature `recorded as 25`
Delta Air Lines Contract of Carriage: U.S.	Marketplaces, gig, travel, and auto	no clause in the captured document	2026-09-19
Discord Inc. Discord's Terms of Service	Gaming, social, and hospitality	yes	2026-09-19	`to-arbitrator-except-procedural`	`provider-rules-only-no-cap`	`pays-only-if-company-initiates`	`offer-of-judgment-cost-shift`	`mandatory-condition-precedent`	`batching`	`available-standard-carve-out`	`general-but-class-waiver-survives`	`fresh-rejection-right-per-amendment`	`broad-plus-survives-termination`	`no-preclusive-effect-clause`	`shortened-to-1-year`	`whole-clause-void-if-class-waiver-struck`	`personal-participation-or-signature-required`	`batching-trigger` “100 or more” similar arbitration demands `recorded as 100`
Discover Cardmember Agreement	Banks, cards, and credit bureaus	yes	2026-09-19	`to-court`	`company-pays-part-or-on-conditions`	`award-floor-or-bonus-tied-to-settlement-offer`	`loser-reimburses-advanced-fees`	`optional-notice-unlocks-minimum-award`	`anti-consolidation-only`	`available-standard-carve-out`	`general-with-window`	`change-right-mechanism-unstated`	`broad-plus-survives-termination`	`no-preclusive-effect-clause`	`expressly-not-shortened`	`narrow-severance`	`no-agent-opt-out`	`no-mass-filing-terms`
Disney+ Disney+, ESPN, and Hulu Subscriber Agreement	Telecom, streaming, and subscriptions	yes	2026-09-19	`to-arbitrator-full`	`provider-rules-only-no-cap`	`pays-only-if-company-initiates`	`offer-of-judgment-cost-shift`	`mandatory-condition-precedent`	`anti-consolidation-only`	`available-standard-carve-out`	`general-with-window`	`change-by-notice-no-rejection-right`	`broad-plus-survives-termination`	`silent`	`silent`	`whole-clause-void-if-class-waiver-struck`	`personal-participation-or-signature-required`	`no-mass-filing-terms`
DoorDash Consumer Terms and Conditions - US - English (Section 12 - 14)	Marketplaces, gig, travel, and auto	yes	2026-09-19	`to-arbitrator-except-class-waiver`	`filing-fee-capped-at-court-fee`	`reimburses-filing-fee`	`offer-of-judgment-cost-shift`	`mandatory-condition-precedent`	`batching`	`available-standard-carve-out`	`new-users-only-30-days`	`partial-capture`	`broad-plus-survives-termination`	`proceeding-confidential`	`silent`	`narrow-severance`	`individualized-conference-required`	`batching-trigger` “100 or more” similar arbitration demands `recorded as 100`
DraftKings Inc. DraftKings Daily Fantasy Terms of Use	Gaming, social, and hospitality	no clause in the captured document	2026-09-19
Dropbox Dropbox Terms of Service	Telecom, streaming, and subscriptions	yes	2026-09-19	`to-arbitrator-full`	`company-pays-share-below-stated-claim-value`	`award-floor-or-bonus-tied-to-settlement-offer`	`frivolous-or-rule-11-only`	`notice-conditions-fee-promise`	`anti-consolidation-only`	`available-standard-carve-out`	`general-with-window`	`continued-use-is-acceptance`	`broad-reaches-affiliates-and-third-parties`	`silent`	`silent`	`whole-clause-void-if-class-waiver-struck`	`silent`	`no-mass-filing-terms`
Earnest Terms of Service	Education, health, and senior services	yes	2026-09-19	`silent`	`silent`	`silent`	`silent`	`silent`	`silent`	`silent`	`silent`	`continued-use-is-acceptance`	`broad-reaches-affiliates-and-third-parties`	`silent`	`shortened-to-1-year`	`narrow-severance`	`silent`	`no-mass-filing-terms`
EarnIn EarnIn General Terms of Service	Fintech, payments, and lending	yes	2026-09-19	`to-arbitrator-except-class-waiver`	`provider-rules-only-no-cap`	`mass-proceeding-fees-only`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`batching`	`available-standard-carve-out`	`general-with-window`	`continued-use-is-acceptance`	`broad-plus-survives-termination`	`documents-exchanged-confidential`	`expressly-not-shortened`	`batching-tied-whole-clause-void`	`counsel-certification-required`	`batching-trigger` “25 or more” individual demands of a substantially similar nature `recorded as 25`
eBay User Agreement	Marketplaces, gig, travel, and auto	yes	2026-09-19	`to-arbitrator-except-class-waiver`	`company-pays-share-below-stated-claim-value`	`hardship-or-request-conditioned`	`offer-of-judgment-cost-shift`	`mandatory-condition-precedent`	`batching`	`available-standard-carve-out`	`new-users-only-30-days`	`new-clause-governs-earlier-claims`	`broad-reaches-affiliates-and-third-parties`	`documents-exchanged-confidential`	`expressly-not-shortened`	`batching-tied-whole-clause-void`	`personal-participation-or-signature-required`	`batching-trigger` “25 or more” individual Demands of a substantially similar nature `recorded as 25`
Electronic Arts Inc. User Agreement	Gaming, social, and hospitality	yes	2026-09-19	`to-arbitrator-except-class-waiver`	`provider-rules-only-no-cap`	`silent`	`pre-filing-noncompliance-costs`	`mandatory-condition-precedent`	`batching`	`available-standard-carve-out`	`silent`	`continued-use-is-acceptance`	`broad-reaches-affiliates-and-third-parties`	`no-preclusive-effect-clause`	`silent`	`narrow-severance`	`personal-participation-or-signature-required`	`batching-trigger` “50 or more” similar arbitration demands `recorded as 50`
Endurance Warranty Vehicle Service Contract Terms and Conditions (Sample)	Home services and warranty	yes	2026-09-19	`silent`	`company-pays-all`	`pays-only-if-company-initiates`	`court-equivalent-fee-shifting-imported`	`company-elects-adr`	`silent`	`silent`	`silent`	`consent-required-for-changes`	`claims-between-the-parties-only`	`silent`	`silent`	`silent`	`silent`	`no-mass-filing-terms`
Equifax Product Agreement and Terms of Use	Banks, cards, and credit bureaus	yes	2026-09-19	`class-waiver-question-to-court-only`	`company-pays-part-or-on-conditions`	`advance-recoverable-if-company-prevails`	`prevailing-party-cost-recovery`	`mandatory-condition-precedent`	`anti-consolidation-only`	`available-standard-carve-out`	`general-with-window`	`continued-use-is-acceptance`	`broad-plus-survives-termination`	`silent`	`silent`	`whole-clause-void-if-class-waiver-struck`	`silent`	`no-mass-filing-terms`
Etsy Terms of Use	Marketplaces, gig, travel, and auto	yes	2026-09-19	`to-court`	`capped-at-court-filing-fee`	`hardship-or-request-conditioned`	`court-equivalent-fee-shifting-imported`	`mandatory-condition-precedent`	`batching`	`available-standard-carve-out`	`new-users-only-30-days`	`fresh-rejection-right-per-amendment`	`broad-reaches-affiliates-and-third-parties`	`no-preclusive-effect-clause`	`expressly-not-shortened`	`narrow-severance`	`individualized-conference-required`	`batching-trigger` “25 or more” claimants who submit Notices of Dispute or file arbitrations raising similar claims `recorded as 25`
Expedia Terms of Service	Marketplaces, gig, travel, and auto	yes	2026-09-19	`to-arbitrator-full`	`company-pays-part-or-on-conditions`	`hardship-or-request-conditioned`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`anti-consolidation-only`	`available-standard-carve-out`	`silent`	`consent-required-for-changes`	`broad-reaches-affiliates-and-third-parties`	`silent`	`silent`	`narrow-severance`	`personal-participation-or-signature-required`	`no-mass-filing-terms`
Experian Claims by Binding Arbitration	Banks, cards, and credit bureaus	yes	2026-09-19	`to-arbitrator-full`	`company-pays-all`	`pays-all-unless-frivolous`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`anti-consolidation-only`	`available-standard-carve-out`	`change-rejection-only`	`fresh-rejection-right-per-amendment`	`broad-plus-survives-termination`	`silent`	`silent`	`whole-clause-void-if-class-waiver-struck`	`silent`	`no-mass-filing-terms`
FanDuel Inc. Terms of Use	Gaming, social, and hospitality	yes	2026-09-19	`to-arbitrator-except-procedural`	`provider-rules-only-no-cap`	`mass-proceeding-fees-only`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`batching`	`small-claims-referenced-no-carve-out-stated`	`general-with-window`	`fresh-rejection-right-per-amendment`	`broad-plus-survives-termination`	`documents-exchanged-confidential`	`shortened-to-1-year`	`batching-tied-whole-clause-void`	`individualized-conference-required`	`batching-trigger` “25 or more” individual Demands of a substantially similar nature `recorded as 25`
First American Home Warranty Sample Contract & Coverage Overview	Home services and warranty	yes	2026-09-19	`silent`	`company-pays-share-below-stated-claim-value`	`pays-all-unless-frivolous`	`provider-fee-rules-apply-if-claim-found-improper`	`silent`	`anti-consolidation-only`	`available-standard-carve-out`	`silent`	`consent-required-for-changes`	`broad-plus-survives-termination`	`silent`	`silent`	`silent`	`silent`	`no-mass-filing-terms`
Freedom Debt Relief Terms of Use Agreement	High-cost lending and debt relief	yes	2026-09-19	`to-arbitrator-full`	`provider-rules-only-no-cap`	`silent`	`silent`	`silent`	`anti-consolidation-only`	`silent`	`silent`	`continued-use-is-acceptance`	`broad-reaches-affiliates-and-third-parties`	`silent`	`shortened-to-1-year`	`narrow-severance`	`silent`	`no-mass-filing-terms`
Green Dot Cardholder Agreement	High-cost lending and debt relief	yes	2026-09-19	`to-arbitrator-except-class-waiver`	`capped-at-court-filing-fee`	`pays-all-arbitration-fees`	`silent`	`silent`	`anti-consolidation-only`	`available-standard-carve-out`	`silent`	`change-by-notice-no-rejection-right`	`broad-reaches-affiliates-and-third-parties`	`silent`	`shortened-for-specified-claims-only`	`narrow-severance`	`silent`	`no-mass-filing-terms`
Grubhub Terms of Use	Marketplaces, gig, travel, and auto	yes	2026-09-19	`to-court`	`company-pays-part-or-on-conditions`	`hardship-or-request-conditioned`	`offer-of-judgment-cost-shift`	`mandatory-condition-precedent`	`batching`	`available-standard-carve-out`	`new-users-only-30-days`	`fresh-rejection-right-per-amendment`	`broad-plus-survives-termination`	`proceeding-confidential`	`notice-deadline-1-year`	`narrow-severance`	`individualized-conference-required`	`batching-trigger` “100 or more” similar arbitration demands `recorded as 100`
H&R Block Online Services Agreement	High-cost lending and debt relief	yes	2026-09-19	`to-court`	`company-pays-part-or-on-conditions`	`reimburses-filing-fee`	`pre-filing-noncompliance-costs`	`mandatory-condition-precedent`	`staged-bellwether`	`available-standard-carve-out`	`general-with-window`	`fresh-rejection-right-per-amendment`	`broad-plus-survives-termination`	`pre-filing-negotiations-only`	`silent`	`narrow-severance`	`authorization-to-share-account-with-counsel`	`bellwether-trigger` “25 or more” claimants who submit Notices or seek to file arbitrations raising similar claims `recorded as 25`
HealthPartners Website Terms of Use	Education, health, and senior services	no clause in the captured document	2026-09-19
Hyundai Motor America 2026 Owner's Handbook & Warranty Information	Marketplaces, gig, travel, and auto	yes	2026-09-19	`to-arbitrator-full`	`capped-at-stated-amount`	`pays-all-arbitration-fees`	`silent`	`optional-external-program`	`anti-consolidation-only`	`available-standard-carve-out`	`general-with-window`	`silent`	`broad-reaches-affiliates-and-third-parties`	`silent`	`silent`	`narrow-severance`	`silent`	`no-mass-filing-terms`
Instacart Terms of Service	Marketplaces, gig, travel, and auto	yes	2026-09-19	`to-arbitrator-except-class-waiver`	`provider-rules-only-no-cap`	`silent`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`batching`	`available-standard-carve-out`	`general-with-window-30-days`	`continued-use-is-acceptance`	`broad-reaches-affiliates-and-third-parties`	`no-preclusive-effect-clause`	`silent`	`narrow-severance`	`individualized-conference-required`	`batching-trigger` “25 or more” individual arbitration demands that are substantially similar `recorded as 25`
Intuit Intuit Website Terms of Service	Telecom, streaming, and subscriptions	yes	2026-09-19	`to-arbitrator-except-class-waiver`	`filing-fee-capped-at-court-fee`	`reimburses-filing-fee`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`anti-consolidation-only`	`available-standard-carve-out`	`silent`	`continued-use-is-acceptance`	`broad-plus-survives-termination`	`no-preclusive-effect-clause`	`silent`	`whole-clause-void-if-class-waiver-struck`	`personal-participation-or-signature-required`	`no-mass-filing-terms`
Jefferson Capital Website Terms of Use	High-cost lending and debt relief	no clause in the captured document	2026-09-19
Chase Deposit Account Agreement and Privacy Notice	Banks, cards, and credit bureaus	yes	2026-09-19	`to-court`	`company-pays-part-or-on-conditions`	`reimburses-filing-fee`	`frivolous-or-rule-11-only`	`silent`	`staged-bellwether`	`available-standard-carve-out`	`general-with-window`	`continued-use-is-acceptance`	`broad-reaches-affiliates-and-third-parties`	`proceeding-confidential`	`shortened-to-2-years`	`narrow-severance`	`authorization-to-share-account-with-counsel-dismissal-possible`	`bellwether-trigger` “twenty-five (25) or more” arbitration claims `recorded as 25`
Klarna User Terms for Klarna Shopping Service	Fintech, payments, and lending	yes	2026-09-19	`silent`	`provider-rules-only-no-cap`	`silent`	`loser-pays-on-motion-to-compel`	`mandatory-condition-precedent`	`incorporates-provider-rules-only`	`available-standard-carve-out`	`general-with-window`	`supersedes-prior-arbitration-agreement`	`broad-plus-survives-termination`	`proceeding-confidential`	`named-state-limitations-period-applies`	`whole-clause-void-if-class-waiver-struck`	`personal-participation-or-signature-required`	`number-stated-procedure-deferred` “20 or more” demands for arbitration `recorded as 20`
Happen Bank Personal Deposits Account Agreement	Fintech, payments, and lending	yes	2026-09-19	`to-court`	`provider-rules-only-no-cap`	`silent`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`staged-bellwether`	`available-standard-carve-out`	`general-with-window`	`continued-use-is-acceptance`	`broad-plus-survives-termination`	`pre-filing-negotiations-only`	`statement-error-reporting-bar`	`whole-clause-void-if-class-waiver-struck`	`expressly-permits-representation`	`bellwether-trigger` “25 or more” similar Claims `recorded as 25`
Life Time Life Time Terms of Use	Telecom, streaming, and subscriptions	yes	2026-09-19	`silent`	`provider-rules-only-no-cap`	`silent`	`silent`	`silent`	`mass-action-waiver-no-number-or-procedure`	`available-standard-carve-out`	`silent`	`effective-on-posting-or-without-notice`	`broad-reaches-affiliates-and-third-parties`	`proceeding-confidential`	`silent`	`narrow-severance`	`silent`	`mass-action-waiver-no-number-or-procedure`
Lyft Lyft Terms of Service	Marketplaces, gig, travel, and auto	yes	2026-09-19	`to-arbitrator-except-class-waiver`	`provider-rules-only-no-cap`	`award-floor-or-bonus-tied-to-settlement-offer`	`offer-of-judgment-cost-shift`	`notice-required-no-tolling`	`staged-bellwether`	`available-standard-carve-out`	`non-consumer-only`	`continued-use-is-acceptance`	`broad-plus-survives-termination`	`no-preclusive-effect-clause`	`silent`	`narrow-severance`	`personal-participation-or-signature-required`	`hybrid-bellwether-then-batching` “25 or more” claimants who submit Informal Notices or Demands or seek to file arbitrations raising similar claims `recorded as 25`
Mariner Finance CAC Terms of Use	High-cost lending and debt relief	yes	2026-09-19	`to-court-but-whole-contract-to-arbitrator`	`company-pays-part-or-on-conditions`	`hardship-or-request-conditioned`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`staged-bellwether`	`available-standard-carve-out`	`general-with-window`	`continued-use-is-acceptance`	`broad-plus-survives-termination`	`award-only`	`silent`	`whole-clause-void-if-class-waiver-struck`	`no-third-party-submission`	`bellwether-trigger` “twenty-five (25) or more” similar Claims `recorded as 25`
Marriott International, Inc. Marriott Bonvoy Loyalty Program Terms & Conditions	Gaming, social, and hospitality	no clause in the captured document	2026-09-19
Mayo Clinic Terms and Conditions of Use Policy	Education, health, and senior services	no clause in the captured document	2026-09-19
Meta Platforms, Inc. Terms of Service	Gaming, social, and hospitality	no clause in the captured document	2026-09-19
Microsoft Microsoft Services Agreement	Telecom, streaming, and subscriptions	yes	2026-09-19	`to-court`	`company-pays-share-below-stated-claim-value`	`award-floor-or-bonus-tied-to-settlement-offer`	`silent`	`mandatory-condition-precedent`	`staged-bellwether`	`available-standard-carve-out`	`change-rejection-only`	`continued-use-is-acceptance`	`broad-reaches-affiliates-and-third-parties`	`silent`	`silent`	`narrow-severance`	`no-agent-opt-out`	`bellwether-trigger` “at least 24 other customers” `recorded as 25`
Midland Credit Management Terms of Use	High-cost lending and debt relief	yes	2026-09-19	`silent`	`provider-rules-only-no-cap`	`silent`	`frivolous-or-rule-11-only`	`notice-only-no-waiting-period`	`anti-consolidation-only`	`available-standard-carve-out`	`silent`	`continued-use-is-acceptance`	`broad-reaches-affiliates-and-third-parties`	`silent`	`shortened-to-2-years`	`narrow-severance`	`silent`	`no-mass-filing-terms`
MOHELA MOHELA Servicing Website Terms of Use	Education, health, and senior services	no clause in the captured document	2026-09-19
MoneyGram MoneyGram Online Terms and Conditions	High-cost lending and debt relief	yes	2026-09-19	`to-court`	`company-pays-part-or-on-conditions`	`hardship-or-request-conditioned`	`one-way-collection-or-enforcement-costs`	`silent`	`anti-consolidation-only`	`silent`	`silent`	`continued-use-is-acceptance`	`claims-between-the-parties-only`	`silent`	`shortened-to-1-year`	`narrow-severance`	`silent`	`no-mass-filing-terms`
MoneyLion MoneyLion Terms of Service	Fintech, payments, and lending	yes	2026-09-19	`to-court`	`incorporated-terms-not-captured`	`incorporated-terms-not-captured`	`incorporated-terms-not-captured`	`incorporated-terms-not-captured`	`incorporated-terms-not-captured`	`incorporated-terms-not-captured`	`incorporated-terms-not-captured`	`notice-then-continued-use`	`incorporated-terms-not-captured`	`incorporated-terms-not-captured`	`incorporated-terms-not-captured`	`incorporated-terms-not-captured`	`incorporated-terms-not-captured`	`incorporated-terms-not-captured`
National Debt Relief Online Terms of Service	High-cost lending and debt relief	yes	2026-09-19	`to-court`	`provider-rules-only-no-cap`	`discretionary-consideration-only`	`offer-of-judgment-cost-shift`	`mandatory-condition-precedent`	`anti-consolidation-only`	`silent`	`silent`	`continued-use-is-acceptance`	`broad-plus-survives-termination`	`pre-filing-negotiations-only`	`shortened-to-1-year`	`class-waiver-declared-non-severable`	`personal-participation-or-signature-required`	`no-mass-filing-terms`
Navient Legal Website Terms of Usage and Disclaimers	Education, health, and senior services	yes	2026-09-19	`to-court`	`provider-rules-only-no-cap`	`mass-proceeding-fees-only`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`batching`	`available-standard-carve-out`	`silent`	`continued-use-is-acceptance`	`broad-plus-survives-termination`	`silent`	`shortened-to-1-year`	`whole-clause-void-if-class-waiver-struck`	`personal-participation-or-signature-required`	`coordination-trigger` “more than one dispute” `recorded as 2`
NetCredit Terms of Use	High-cost lending and debt relief	yes	2026-09-19	`silent`	`provider-rules-only-no-cap`	`right-to-elect-to-pay-where-required`	`prevailing-party-fees`	`mandatory-condition-precedent`	`anti-consolidation-only`	`limited-by-venue-or-condition`	`silent`	`consent-required-for-changes`	`broad-reaches-affiliates-and-third-parties`	`confidentiality-rules-referenced-not-stated`	`shortened-to-1-year`	`whole-clause-void-if-class-waiver-struck`	`expressly-permits-representation`	`no-mass-filing-terms`
Netflix Netflix Terms of Use	Telecom, streaming, and subscriptions	yes	2026-09-19	`to-arbitrator-except-procedural`	`company-pays-share-below-stated-claim-value`	`pays-only-if-company-initiates`	`pre-filing-noncompliance-costs`	`mandatory-condition-precedent`	`bellwether-then-release-to-court`	`available-standard-carve-out`	`general-but-class-waiver-survives`	`no-less-favorable-change-after-dispute-arises`	`broad-plus-survives-termination`	`proceeding-confidential`	`notice-deadline-2-years`	`whole-clause-void-if-class-waiver-struck`	`no-agent-opt-out`	`bellwether-then-release-to-court` “25 or more” Disputes initiated with JAMS `recorded as 25`
Nintendo of America Inc. End User License Agreement	Gaming, social, and hospitality	yes	2026-09-19	`to-arbitrator-except-procedural`	`filing-fee-capped-at-court-fee`	`reimburses-filing-fee`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`staged-bellwether`	`available-standard-carve-out`	`general-but-class-waiver-survives`	`silent`	`broad-reaches-affiliates-and-third-parties`	`protective-order-or-confidentiality-agreement`	`silent`	`whole-clause-void-if-class-waiver-struck`	`silent`	`bellwether-then-release-to-court` “25 or more” Claimant Notices `recorded as 25`
OneMain Financial Sample Loan Agreement and Disclosure Statement	High-cost lending and debt relief	yes	2026-09-19	`partial-capture`	`provider-rules-only-no-cap`	`award-floor-or-bonus-tied-to-settlement-offer`	`partial-capture`	`partial-capture`	`staged-bellwether`	`partial-capture`	`change-rejection-only`	`fresh-rejection-right-per-amendment`	`partial-capture`	`partial-capture`	`partial-capture`	`narrow-severance`	`partial-capture`	`bellwether-trigger` “25 or more” claimants who submit Notices or file arbitrations raising similar claims `recorded as 25`
OppLoans Terms of Use	High-cost lending and debt relief	no clause in the captured document	2026-09-19
UnitedHealthcare Terms of Use	Education, health, and senior services	yes	2026-09-19	`to-arbitrator-full`	`company-pays-share-below-stated-claim-value`	`pays-all-unless-frivolous`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`silent`	`limited-by-venue-or-condition`	`general-with-window`	`notice-then-continued-use`	`broad-reaches-affiliates-and-third-parties`	`silent`	`shortened-to-1-year`	`whole-clause-void-if-class-waiver-struck`	`silent`	`no-mass-filing-terms`
PayPal PayPal User Agreement	Fintech, payments, and lending	yes	2026-09-19	`to-court`	`provider-rules-only-no-cap`	`good-faith-cost-cooperation-language`	`offer-of-judgment-cost-shift`	`mandatory-condition-precedent`	`staged-bellwether`	`available-standard-carve-out`	`general-but-class-waiver-survives`	`new-clause-governs-earlier-claims`	`broad-reaches-affiliates-and-third-parties`	`no-preclusive-effect-clause`	`silent`	`narrow-severance`	`individualization-and-ai-certification`	`bellwether-trigger` “25 or more” similar Disputes `recorded as 25`
Plain Green Loans Disclosure and Policies page, "Applicable Law and Dispute Resolution" section	High-cost lending and debt relief	no clause in the captured document	2026-09-19
Planet Fitness Terms of Use - Shop Planet Fitness	Telecom, streaming, and subscriptions	yes	2026-09-19	`to-arbitrator-full`	`company-pays-share-below-stated-claim-value`	`hardship-or-request-conditioned`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`incorporates-provider-rules-only`	`available-standard-carve-out`	`general-with-window`	`effective-on-posting-or-without-notice`	`broad-reaches-affiliates-and-third-parties`	`silent`	`shortened-to-1-year`	`whole-clause-void-if-class-waiver-struck`	`silent`	`provider-rules-deferral`
PNC Bank Account Agreement for Personal Checking, Savings and Money Market Accounts	Banks, cards, and credit bureaus	yes	2026-09-19	`to-court`	`filing-fee-paid-or-reimbursed`	`hardship-or-request-conditioned`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`incorporates-provider-rules-only`	`available-standard-carve-out`	`general-with-window`	`fresh-optout-only-for-substantive-arbitration-changes`	`broad-plus-survives-termination`	`no-preclusive-effect-clause`	`expressly-not-shortened`	`class-waiver-declared-non-severable`	`authorization-to-share-account-with-counsel`	`provider-rules-deferral`
Progressive Leasing Arbitration Clause	Home services and warranty	yes	2026-09-19	`to-court`	`provider-rules-only-no-cap`	`award-floor-tied-to-refused-demand`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`anti-consolidation-only`	`available-standard-carve-out`	`general-with-window`	`silent`	`broad-reaches-affiliates-and-third-parties`	`pre-filing-negotiations-only`	`expressly-not-shortened`	`whole-clause-void-if-class-waiver-struck`	`no-agent-opt-out`	`no-mass-filing-terms`
Public Storage Terms and Conditions	Home services and warranty	yes	2026-09-19	`to-court`	`silent`	`mass-proceeding-fees-only`	`silent`	`mandatory-condition-precedent`	`staged-bellwether`	`available-standard-carve-out`	`general-with-window`	`fresh-rejection-right-per-amendment`	`broad-reaches-affiliates-and-third-parties`	`silent`	`shortened-to-1-year`	`narrow-severance`	`personal-participation-or-signature-required`	`bellwether-trigger` “twenty-five (25)” claimants who submit a Notice or assert claims `recorded as 25`
Reddit, Inc. Reddit User Agreement	Gaming, social, and hospitality	no clause in the captured document	2026-09-19
Renewal by Andersen, LLC Terms of Use	Home services and warranty	no clause in the captured document	2026-09-19
Riot Games, Inc. Riot Games® Terms of Service	Gaming, social, and hospitality	yes	2026-09-19	`to-arbitrator-except-class-waiver`	`provider-rules-only-no-cap`	`pays-only-if-company-initiates`	`offer-of-judgment-cost-shift`	`mandatory-condition-precedent`	`bellwether-then-release-to-court`	`available-standard-carve-out`	`general-but-class-waiver-survives`	`consent-required-for-changes`	`binds-parent-and-minor`	`silent`	`silent`	`whole-clause-void-if-class-waiver-struck`	`silent`	`bellwether-then-release-to-court` “25 or more” Notices of Claims `recorded as 25`
Robinhood Robinhood Financial LLC & Robinhood Securities, LLC Customer Agreement	Fintech, payments, and lending	yes	2026-09-19	`silent`	`silent`	`silent`	`one-way-collection-or-enforcement-costs`	`silent`	`silent`	`silent`	`silent`	`continued-use-is-acceptance`	`claims-between-the-parties-only`	`silent`	`disclosure-that-forum-rules-may-set-time-limits`	`narrow-severance`	`silent`	`no-mass-filing-terms`
Roblox Corporation Roblox Terms of Use	Gaming, social, and hospitality	yes	2026-09-19	`to-arbitrator-except-procedural`	`capped-at-stated-amount`	`pays-all-arbitration-fees`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`incorporates-provider-rules-only`	`available-standard-carve-out`	`general-with-window-30-days`	`fresh-rejection-right-per-amendment`	`broad-reaches-affiliates-and-third-parties`	`proceeding-confidential`	`shortened-to-1-year`	`narrow-severance`	`no-agent-opt-out`	`number-stated-procedure-deferred` “five or more” demands for arbitration `recorded as 5`
Royal Caribbean Cruises Ltd. Cruise/Cruisetour Ticket Contract	Gaming, social, and hospitality	yes	2026-09-19	`silent`	`silent`	`silent`	`silent`	`mandatory-condition-precedent`	`silent`	`silent`	`silent`	`change-only-in-writing-signed-by-company-officer`	`reaches-civil-rights-and-statutory-claims`	`silent`	`shortened-to-1-year`	`class-waiver-declared-non-severable`	`silent`	`no-mass-filing-terms`
Sallie Mae PROMISSORY NOTE 3SCL2205	Education, health, and senior services	yes	2026-09-19	`to-court-but-whole-contract-to-arbitrator`	`provider-rules-only-no-cap`	`award-floor-tied-to-refused-demand`	`one-way-collection-or-enforcement-costs`	`mandatory-condition-precedent`	`anti-consolidation-only`	`available-standard-carve-out`	`general-with-window`	`consent-required-for-changes`	`claim-definition-reaches-dealings-with-school`	`no-preclusive-effect-clause`	`expressly-not-shortened`	`whole-clause-void-if-class-waiver-struck`	`no-agent-opt-out`	`no-mass-filing-terms`
SeatGeek Terms of Use	Marketplaces, gig, travel, and auto	yes	2026-09-19	`to-arbitrator-except-class-waiver`	`provider-rules-only-no-cap`	`mass-proceeding-fees-only`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`batching`	`available-standard-carve-out`	`general-with-window`	`fresh-rejection-right-per-amendment`	`broad-reaches-affiliates-and-third-parties`	`proceeding-confidential`	`shortened-to-1-year`	`narrow-severance`	`individualized-conference-required`	`batching-trigger` “twenty-five (25) or more” similar claims `recorded as 25`
Select Home Warranty Service Contract Terms & Conditions	Home services and warranty	yes	2026-09-19	`silent`	`silent`	`silent`	`one-way-collection-or-enforcement-costs`	`silent`	`silent`	`silent`	`silent`	`notice-then-continued-use`	`claims-between-the-parties-only`	`silent`	`silent`	`narrow-severance`	`silent`	`no-mass-filing-terms`
Sezzle User Agreement	Fintech, payments, and lending	yes	2026-09-19	`to-arbitrator-full`	`provider-rules-only-no-cap`	`pays-only-where-required-by-law`	`offer-of-judgment-cost-shift`	`mandatory-condition-precedent`	`staged-bellwether`	`available-standard-carve-out`	`general-with-window-30-days`	`supersedes-prior-arbitration-agreement`	`broad-reaches-affiliates-and-third-parties`	`proceeding-confidential`	`expressly-not-shortened`	`whole-clause-void-if-class-waiver-struck`	`counsel-certification-required`	`provider-rules-deferral`
Shipt Terms of Service	Marketplaces, gig, travel, and auto	yes	2026-09-19	`to-arbitrator-except-class-waiver`	`provider-rules-only-no-cap`	`pays-only-where-required-by-law`	`silent`	`notice-only-no-waiting-period`	`silent`	`silent`	`general-with-window`	`continued-use-is-acceptance`	`broad-reaches-affiliates-and-third-parties`	`silent`	`shortened-to-1-year`	`narrow-severance`	`expressly-permits-representation`	`no-mass-filing-terms`
SimpliSafe SimpliSafe Terms of Service	Home services and warranty	yes	2026-09-19	`silent`	`capped-at-stated-amount`	`pays-all-arbitration-fees`	`frivolous-then-prevailing-party-fees`	`mandatory-condition-precedent`	`batching`	`silent`	`general-with-window-60-days`	`fresh-rejection-right-per-amendment`	`broad-reaches-affiliates-and-third-parties`	`proceeding-confidential`	`shortened-to-1-year`	`narrow-severance`	`expressly-permits-representation`	`batching-trigger` “25 or more” arbitration demands `recorded as 25`
SoFi SoFi Bank Deposit Account Agreement	Fintech, payments, and lending	yes	2026-09-19	`to-court-but-whole-contract-to-arbitrator`	`company-pays-part-or-on-conditions`	`hardship-or-request-conditioned`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`incorporates-provider-rules-only`	`available-standard-carve-out`	`general-with-window`	`continued-use-is-acceptance`	`broad-plus-survives-termination`	`proceeding-confidential`	`expressly-not-shortened`	`whole-clause-void-if-class-waiver-struck`	`no-third-party-submission`	`provider-rules-deferral`
Sony Interactive Entertainment LLC PlayStation Terms of Service (US)	Gaming, social, and hospitality	yes	2026-09-19	`to-arbitrator-except-class-waiver`	`filing-fee-capped-at-court-fee`	`pays-costs-plus-fees-if-consumer-wins`	`prevailing-party-fees`	`mandatory-condition-precedent`	`batching`	`available-standard-carve-out`	`general-with-window`	`continued-use-is-acceptance`	`broad-reaches-affiliates-and-third-parties`	`silent`	`silent`	`whole-clause-void-if-class-waiver-struck`	`personal-participation-or-signature-required`	`batching-trigger` “50 or more” similar individual arbitration demands `recorded as 50`
Spotify Spotify Terms of Use	Telecom, streaming, and subscriptions	yes	2026-09-19	`to-court`	`provider-rules-only-no-cap`	`pays-only-if-company-initiates`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`staged-bellwether`	`available-standard-carve-out`	`change-rejection-only`	`continued-use-is-acceptance`	`broad-plus-survives-termination`	`mass-arbitration-mediation-only`	`shortened-to-1-year`	`narrow-severance`	`no-agent-opt-out`	`bellwether-trigger` “twenty-five (25) or more” claimants who submit Notices or attempt to file Demands raising similar claims `recorded as 25`
Sun Country Airlines Contract of Carriage	Marketplaces, gig, travel, and auto	no clause in the captured document	2026-09-19
Sunbit CARDMEMBER AGREEMENT	Education, health, and senior services	yes	2026-09-19	`to-court-but-whole-contract-to-arbitrator`	`company-pays-part-or-on-conditions`	`attorney-fees-paid-if-award-beats-offer`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`batching`	`available-standard-carve-out`	`general-with-window`	`consent-required-for-changes`	`broad-plus-survives-termination`	`proceeding-confidential`	`expressly-not-shortened`	`whole-clause-void-if-class-waiver-struck`	`no-third-party-submission`	`group-arbitration-range` “25-100” Claimants who have given Claim Notices involving Common Issues `recorded as 25`
Sunrun Sunrun BrightBuy with Protection Plus Agreement	Home services and warranty	yes	2026-09-19	`to-arbitrator-full`	`filing-fee-paid-or-reimbursed`	`pays-costs-plus-fees-if-consumer-wins`	`prevailing-party-fees`	`mandatory-condition-precedent`	`anti-consolidation-only`	`silent`	`silent`	`consent-required-for-changes`	`claims-between-the-parties-only`	`silent`	`silent`	`narrow-severance`	`silent`	`no-mass-filing-terms`
Synchrony Bank AEO, Inc. Credit Card Account Agreement	Banks, cards, and credit bureaus	yes	2026-09-19	`to-court-but-whole-contract-to-arbitrator`	`company-pays-part-or-on-conditions`	`hardship-or-request-conditioned`	`consumer-advances-half-of-fees-in-mass-arbitration`	`notice-only-no-waiting-period`	`mass-filing-fee-terms`	`available-standard-carve-out`	`general-with-window`	`supersedes-prior-arbitration-agreement`	`reaches-debt-buyers-and-collectors`	`no-preclusive-effect-clause`	`expressly-not-shortened`	`whole-clause-void-if-class-waiver-struck`	`no-agent-opt-out`	`provider-rules-deferral`
T-Mobile Terms & Conditions	Telecom, streaming, and subscriptions	yes	2026-09-19	`to-arbitrator-except-class-waiver`	`filing-fee-capped-at-court-fee`	`reimburses-filing-fee`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`mass-action-waiver-no-number-or-procedure`	`available-standard-carve-out`	`silent`	`continued-use-is-acceptance`	`broad-reaches-affiliates-and-third-parties`	`evidence-reuse-ban`	`shortened-to-2-years`	`narrow-severance`	`authorization-to-share-account-with-counsel`	`mass-action-waiver-no-number-or-procedure`
Target Target Debit Card Agreement & Error Resolution Notice	Marketplaces, gig, travel, and auto	yes	2026-09-19	`to-arbitrator-full`	`company-pays-share-below-stated-claim-value`	`pays-all-unless-frivolous`	`provider-fee-rules-apply-if-claim-found-improper`	`mandatory-condition-precedent`	`silent`	`available-standard-carve-out`	`silent`	`change-by-notice-no-rejection-right`	`broad-plus-survives-termination`	`silent`	`silent`	`narrow-severance`	`silent`	`no-mass-filing-terms`
TD Bank, N.A. Personal Deposit Account Agreement	Banks, cards, and credit bureaus	no clause in the captured document	2026-09-19
Teladoc Health Terms of Service	Education, health, and senior services	yes	2026-09-19	`to-arbitrator-full`	`company-pays-share-below-stated-claim-value`	`award-floor-or-bonus-tied-to-settlement-offer`	`silent`	`mandatory-condition-precedent`	`anti-consolidation-only`	`available-standard-carve-out`	`silent`	`effective-on-posting-or-without-notice`	`broad-plus-survives-termination`	`silent`	`silent`	`whole-clause-void-if-class-waiver-struck`	`silent`	`no-mass-filing-terms`
Tesla Motor Vehicle Order Agreement	Marketplaces, gig, travel, and auto	yes	2026-09-19	`silent`	`company-pays-all`	`pays-all-arbitration-fees`	`silent`	`mandatory-condition-precedent`	`anti-consolidation-only`	`available-standard-carve-out`	`general-with-window`	`silent`	`broad-reaches-affiliates-and-third-parties`	`silent`	`silent`	`narrow-severance`	`silent`	`no-mass-filing-terms`
Ticketmaster / Live Nation Terms of Use	Marketplaces, gig, travel, and auto	yes	2026-09-19	`to-arbitrator-except-procedural`	`capped-at-stated-amount`	`pays-all-unless-frivolous`	`provider-fee-rules-apply-if-claim-found-improper`	`mandatory-condition-precedent`	`incorporates-provider-rules-only`	`available-standard-carve-out`	`partial-capture`	`consent-required-for-changes`	`broad-plus-survives-termination`	`proceeding-confidential`	`partial-capture`	`narrow-severance`	`personal-participation-or-signature-required`	`number-stated-procedure-deferred` “75 or more” similar demands for arbitration `recorded as 75`
TikTok Terms of Service	Gaming, social, and hospitality	no clause in the captured document	2026-09-19
Tinder Tinder Terms of Use	Gaming, social, and hospitality	yes	2026-09-19	`to-arbitrator-except-procedural`	`provider-rules-only-no-cap`	`pays-only-if-company-initiates`	`offer-of-judgment-cost-shift`	`mandatory-condition-precedent`	`staged-bellwether`	`available-standard-carve-out`	`retroactivity-opt-out-only`	`consent-required-for-changes`	`broad-reaches-affiliates-and-third-parties`	`protective-order-or-confidentiality-agreement`	`silent`	`whole-clause-void-if-class-waiver-struck`	`personal-participation-or-signature-required`	`bellwether-trigger` “25 or more” similar demands for arbitration `recorded as 25`
TitleMax Texas Additional Application Terms	High-cost lending and debt relief	yes	2026-09-19	`not-captured`	`not-captured`	`not-captured`	`not-captured`	`not-captured`	`not-captured`	`not-captured`	`opt-out-referenced-terms-not-captured`	`not-captured`	`not-captured`	`not-captured`	`not-captured`	`not-captured`	`not-captured`	`not-captured`
TransUnion Terms of Use	Banks, cards, and credit bureaus	no clause in the captured document	2026-09-19
TruGreen Residential Service Terms and Conditions	Home services and warranty	yes	2026-09-19	`class-waiver-question-to-arbitrator-only`	`provider-rules-only-no-cap`	`mass-proceeding-fees-only`	`silent`	`silent`	`staged-bellwether`	`silent`	`silent`	`notice-then-continued-use`	`broad-reaches-affiliates-and-third-parties`	`silent`	`silent`	`class-waiver-declared-non-severable`	`silent`	`bellwether-trigger` “twenty-five (25) or more” similar Claims `recorded as 25`
Truist Bank Bank Services Agreement and Privacy Notice	Banks, cards, and credit bureaus	yes	2026-09-19	`to-arbitrator-except-class-waiver`	`company-pays-part-or-on-conditions`	`pays-arbitrator-and-arbitration-unique-costs-only`	`offer-of-judgment-cost-shift`	`notice-only-no-waiting-period`	`anti-aggregation-counsel-bar`	`available-standard-carve-out`	`silent`	`no-change-sentence-beside-change-procedure`	`broad-plus-survives-termination`	`no-preclusive-effect-clause`	`statement-error-reporting-bar`	`whole-clause-void-if-class-waiver-struck`	`personal-signature-and-counsel-certification`	`filing-ban` “more than 25” arbitration demands of a substantially similar nature `recorded as 26`
U-Haul U-Haul Arbitration Agreement	Home services and warranty	yes	2026-09-19	`to-arbitrator-full`	`filing-fee-paid-or-reimbursed`	`award-floor-or-bonus-tied-to-settlement-offer`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`mass-filing-fee-terms`	`available-standard-carve-out`	`silent`	`consent-required-for-changes`	`broad-reaches-affiliates-and-third-parties`	`protective-order-or-confidentiality-agreement`	`expressly-not-shortened`	`whole-clause-void-if-class-waiver-struck`	`silent`	`provider-rules-deferral`
U.S. Bank Your Deposit Account Agreement & General Terms & Conditions	Banks, cards, and credit bureaus	yes	2026-09-19	`to-arbitrator-full`	`provider-rules-only-no-cap`	`silent`	`prevailing-party-fees`	`silent`	`anti-consolidation-only`	`available-standard-carve-out`	`silent`	`continued-use-is-acceptance`	`broad-reaches-affiliates-and-third-parties`	`account-information-protection-only`	`statement-error-reporting-bar`	`whole-clause-void-if-class-waiver-struck`	`silent`	`no-mass-filing-terms`
Uber U.S. Terms of Use	Marketplaces, gig, travel, and auto	yes	2026-09-19	`to-arbitrator-except-class-waiver`	`capped-at-court-filing-fee`	`hardship-or-request-conditioned`	`offer-of-judgment-cost-shift`	`mandatory-condition-precedent`	`batching`	`available-standard-carve-out`	`mass-filing-stage-only`	`effective-on-posting-or-without-notice`	`broad-plus-survives-termination`	`no-preclusive-effect-clause`	`expressly-not-shortened`	`narrow-severance`	`individualized-conference-required`	`batching-trigger` “50 or more” arbitration demands of a substantially similar nature `recorded as 50`
University of Phoenix Sample CA Enrollment Agreement	Education, health, and senior services	no clause in the captured document	2026-09-19
Upstart Website Terms of Use	Fintech, payments, and lending	yes	2026-09-19	`to-arbitrator-full`	`provider-rules-only-no-cap`	`silent`	`frivolous-or-rule-11-only`	`encouraged-not-required`	`anti-consolidation-only`	`available-standard-carve-out`	`general-with-window`	`effective-on-posting-or-without-notice`	`broad-plus-survives-termination`	`silent`	`silent`	`whole-clause-void-if-class-waiver-struck`	`silent`	`no-mass-filing-terms`
Valve Corporation Steam Subscriber Agreement	Gaming, social, and hospitality	no clause in the captured document	2026-09-19
Venmo User Agreement	Fintech, payments, and lending	yes	2026-09-19	`to-court`	`provider-rules-only-no-cap`	`good-faith-cost-cooperation-language`	`offer-of-judgment-cost-shift`	`mandatory-condition-precedent`	`staged-bellwether`	`available-standard-carve-out`	`general-but-class-waiver-survives`	`new-clause-governs-earlier-claims`	`broad-reaches-affiliates-and-third-parties`	`no-preclusive-effect-clause`	`silent`	`narrow-severance`	`individualization-and-ai-certification`	`bellwether-trigger` “25 or more” similar Disputes `recorded as 25`
Verizon Verizon Mobile Customer Agreement	Telecom, streaming, and subscriptions	yes	2026-09-19	`to-arbitrator-except-class-waiver`	`company-pays-all`	`award-floor-or-bonus-tied-to-settlement-offer`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`staged-bellwether`	`available-standard-carve-out`	`mass-filing-stage-only`	`notice-then-continued-use`	`broad-plus-survives-termination`	`no-preclusive-effect-clause`	`silent`	`class-waiver-declared-non-severable`	`authorization-to-share-account-with-counsel`	`bellwether-trigger` “50 or more” customers who raise similar claims `recorded as 50`
Walden University Website Terms and Conditions	Education, health, and senior services	no clause in the captured document	2026-09-19
Walmart Walmart.com Terms of Use	Marketplaces, gig, travel, and auto	yes	2026-09-19	`silent`	`silent`	`silent`	`silent`	`silent`	`silent`	`available-standard-carve-out`	`silent`	`continued-use-is-acceptance`	`broad-plus-survives-termination`	`silent`	`silent`	`narrow-severance`	`silent`	`no-mass-filing-terms`
Wells Fargo Deposit Account Agreement	Banks, cards, and credit bureaus	yes	2026-09-19	`to-court`	`filing-fee-paid-or-reimbursed`	`reimburses-filing-fee`	`loser-pays-on-motion-to-compel`	`informal-no-fixed-period`	`anti-consolidation-only`	`available-standard-carve-out`	`silent`	`continued-use-is-acceptance`	`claims-between-the-parties-only`	`silent`	`expressly-not-shortened`	`whole-clause-void-if-class-waiver-struck`	`personal-signature-and-counsel-certification`	`no-mass-filing-terms`
Western Union Western Union Money Transfer Service Terms and Conditions	High-cost lending and debt relief	yes	2026-09-19	`to-arbitrator-full`	`capped-at-stated-amount`	`discretionary-consideration-only`	`frivolous-or-rule-11-only`	`mandatory-condition-precedent`	`batching`	`available-standard-carve-out`	`general-with-window`	`silent`	`broad-reaches-affiliates-and-third-parties`	`silent`	`silent`	`narrow-severance`	`personal-participation-or-signature-required`	`bellwether-trigger` “25 or more” similar arbitration demands `recorded as 25`
World Finance Terms of Service and Conditions of Use	High-cost lending and debt relief	no clause in the captured document	2026-09-19
X Corp. X Terms of Service (U.S. version dated "Effective: April 10, 2026")	Gaming, social, and hospitality	no clause in the terms in force on the capture date	2026-09-19
Xcel Energy HomeSmart Repair Plan Terms and Conditions	Home services and warranty	no clause in the captured document	2026-09-19
YouTube / Google YouTube Paid Service Terms of Service	Telecom, streaming, and subscriptions	no clause in the captured document	2026-09-19
Chase Zelle® Service Agreement and Privacy Notice	Fintech, payments, and lending	yes	2026-09-19	`to-arbitrator-full`	`silent`	`silent`	`silent`	`silent`	`silent`	`silent`	`silent`	`continued-use-is-acceptance`	`broad-plus-survives-termination`	`silent`	`silent`	`narrow-severance`	`silent`	`no-mass-filing-terms`

Categories are the reviewer's labels; every category, with its count, is listed on the data page. silent means that no provision on that field was extracted from the captured text.