Instagram’s Terms of Use, explained: the nine clauses that matter
September 21, 2026 · TOS Genie · 5 min read
We read it so you can skip it. Grade D, risk 63 out of 100, five high-risk clauses — and one thing it notably does not do.
The blog
What the fine print actually says
What changed this month, which clauses are worth arguing with, and what to do about them.
How to opt out of AI training on Meta, LinkedIn, Adobe, X and ChatGPT
September 17, 2026 · TOS Genie · 5 min read
Five services, five switches, and one clause that makes the whole thing legal. Where each toggle lives, what it does and does not cover, and why “private” is not the same as “excluded.”
PayPal changed how you can fight it: the September 14, 2026 user agreement update
September 15, 2026 · TOS Genie · 5 min read
The arbitration section was rewritten, the arbitrator was swapped, a mediation step was added, and disputes that escape arbitration now go to a courtroom in Manhattan. If money moves through your account, this one is yours.
Which services let you opt out of arbitration — and how long you get
August 27, 2026 · TOS Genie · 5 min read
We read the dispute resolution clause in every agreement we track. Here is what the pattern looks like, and how to check yours.
Uber and Lyft arbitration: how riders and drivers opt out
August 27, 2026 · TOS Genie · 5 min read
Both apps route disputes into individual arbitration. Both have historically offered a way to decline — and the window is short.
Class action waivers: what you are actually giving up
August 27, 2026 · TOS Genie · 5 min read
The clause is three lines long and it is the reason a company can overcharge a million people by six dollars each and never be sued for it.
Discord and arbitration: what the clause says and how to decline it
August 27, 2026 · TOS Genie · 5 min read
Discord routes disputes into arbitration and waives class actions. The dispute resolution section is where the opt-out details live.
How to opt out of forced arbitration (and the letter that does it)
August 27, 2026 · TOS Genie · 5 min read
Most companies give you a window to say no to arbitration. Almost nobody uses it, because almost nobody knows it exists.
What Netflix's arbitration clause actually costs you
August 27, 2026 · TOS Genie · 1 min read
You have thirty days to opt out. Almost nobody does.