Apple vs PayPal: whose terms are worse?

You agree to arbitrate any disputes with Apple. This means you can't take them to court, except in small claims court.

Disputes with PayPal will be resolved through arbitration, not in court. This means you won't be able to sue PayPal or participate in a class-action lawsuit.

You can't sue Apple as part of a class action lawsuit. If you have a dispute, you have to arbitrate or sue individually.

Subscriptions automatically renew until you cancel them. You can cancel at any time, but you need to do it at least 24 hours before your subscription is set to renew.

If you have a dispute with Apple, you agree to submit to arbitration. You must submit your dispute to arbitration within the time limit set by the American Arbitration Association.

If you request a check from PayPal, you must cash it within 180 days or the funds will be returned to your account and you'll lose the $1.50 fee.

Prices for content and services can change at any time. If you've already bought something, the price change won't affect you, but if you're subscribing to a service, the new price will apply when your subscription renews.

Apple can change these terms at any time without notice. If they do, your continued use of their services means you agree to the new terms. You should check the terms regularly to see if they've changed.

PayPal can change its terms at any time, and you're bound by those changes if you keep using the service. You'll get at least 21 days' notice if the changes affect personal accounts, or 5 days' notice for business accounts.

If their outage costs you money, the most you can get back is what you paid them last month. Apple doesn't guarantee their services will be uninterrupted or error-free.

If PayPal's outage or other issue costs you money, the most you can get back is what you paid them last month. This limit applies even if the problem was PayPal's fault.

Apple can terminate your account at any time if you break their rules or if they decide to stop offering a service. If they do, you'll lose access to any content you bought or subscribed to.

PayPal can close your account at any time, with or without notice. If this happens, you'll still be responsible for any outstanding fees or debts.

PayPal may ask for your tax ID number or other tax-related information to comply with tax laws. You're responsible for paying any taxes owed on your PayPal transactions.

Apple collects technical data from your device, like what kind of device you're using and how you're using their services. They use this data to improve their services and may share it with third parties.

PayPal will keep your money separate from its own funds, so if the company goes bankrupt, your balance should be safe. However, this protection doesn't apply to cryptocurrency holdings.

If you buy a service membership from a reseller, the reseller will share your account info with Apple. Apple may use this info to check if you're eligible for the service.

PayPal may convert your money to a different currency if necessary, using its own exchange rate. You can't use PayPal for speculative trading or trying to profit from currency conversions.