Education, health, and senior services
16 documents (9 documents with an arbitration clause, 7 documents without one), from 16 families (9 families with a clause, 7 families without).
Documents in this sector
| Company | Document | Arbitration clause | Captured |
|---|---|---|---|
| Allina Health | Terms and Conditions of Use for allinahealth.org | no clause in the captured document | |
| BetterHelp | Terms and Conditions | yes | |
| Capella University | Terms of Use | no clause in the captured document | |
| CareCredit | CARECREDIT CREDIT CARD ACCOUNT AGREEMENT | yes | |
| College Ave | Terms of Use | yes | |
| Earnest | Terms of Service | yes | |
| HealthPartners | Website Terms of Use | no clause in the captured document | |
| Mayo Clinic | Terms and Conditions of Use Policy | no clause in the captured document | |
| MOHELA | MOHELA Servicing Website Terms of Use | no clause in the captured document | |
| Navient | Legal Website Terms of Usage and Disclaimers | yes | |
| UnitedHealthcare | Terms of Use | yes | |
| Sallie Mae | PROMISSORY NOTE 3SCL2205 | yes | |
| Sunbit | CARDMEMBER AGREEMENT | yes | |
| Teladoc Health | Terms of Service | yes | |
| University of Phoenix | Sample CA Enrollment Agreement | no clause in the captured document | |
| Walden University | Website Terms and Conditions | no clause in the captured document |
Reviewed categories in this sector
For each field, the categories the reviewer assigned across this sector's clause-bearing documents, counted by document. Every category, with its count, is listed on the data page. A category marked not captured records that the text the field depends on was not captured; it is shown in every partition and excluded from every count that assumes the text was read.
Delegation clause (who decides whether the clause is enforceable)
to-court-but-whole-contract-to-arbitrator— 3 documentsto-arbitrator-except-class-waiver— 2 documentsto-arbitrator-full— 2 documentssilent— 1 documentto-court— 1 document
Consumer’s share of arbitration fees
provider-rules-only-no-cap— 3 documentscompany-pays-share-below-stated-claim-value— 2 documentscapped-at-stated-amount— 1 documentcompany-pays-part-or-on-conditions— 1 documenteach-side-bears-own-attorney-fees— 1 documentsilent— 1 document
Company’s fee promise
silent— 2 documentsattorney-fees-paid-if-award-beats-offer— 1 documentaward-floor-or-bonus-tied-to-settlement-offer— 1 documentaward-floor-tied-to-refused-demand— 1 documentmass-proceeding-fees-only— 1 documentpays-all-arbitration-fees— 1 documentpays-all-unless-frivolous— 1 documentpays-only-where-required-by-law— 1 document
Fee or cost shifting against the consumer
court-equivalent-fee-shifting-imported— 3 documentsfrivolous-or-rule-11-only— 3 documentssilent— 2 documentsone-way-collection-or-enforcement-costs— 1 document
Pre-filing requirement
mandatory-condition-precedent— 6 documentsmass-arbitration-only-condition— 1 documentoptional-informal-period— 1 documentsilent— 1 document
Mass-arbitration terms
batching— 4 documentsanti-consolidation-only— 2 documentssilent— 2 documentsincorporates-provider-rules-only— 1 document
Small-claims carve-out
available-standard-carve-out— 7 documentslimited-by-venue-or-condition— 1 documentsilent— 1 document
Opt-out
general-with-window— 6 documentssilent— 3 documents
Unilateral modification
consent-required-for-changes— 2 documentscontinued-use-is-acceptance— 2 documentseffective-on-posting-or-without-notice— 2 documentschange-right-mechanism-unstated— 1 documentmaterial-adverse-amendment-requires-rejection-right— 1 documentnotice-then-continued-use— 1 document
Scope
broad-plus-survives-termination— 6 documentsbroad-reaches-affiliates-and-third-parties— 2 documentsclaim-definition-reaches-dealings-with-school— 1 document
Confidentiality of the arbitration
silent— 5 documentsno-preclusive-effect-clause— 2 documentspre-filing-negotiations-only— 1 documentproceeding-confidential— 1 document
Shortened limitations period
expressly-not-shortened— 4 documentsshortened-to-1-year— 3 documentssilent— 2 documents
Severability if the class waiver is struck
whole-clause-void-if-class-waiver-struck— 6 documentsnarrow-severance— 3 documents
Counsel or representation restrictions
silent— 3 documentspersonal-participation-or-signature-required— 2 documentscounsel-certification-required— 1 documentexpressly-permits-representation— 1 documentno-agent-opt-out— 1 documentno-third-party-submission— 1 document