Cash App vs Discord: whose terms are worse?

If you have a dispute with Discord, you'll need to go through their informal dispute resolution process before starting arbitration. You can only pursue a claim on an individual basis, not as part of a class action.

You can't sue Discord as part of a class action. If you have a dispute, you'll need to resolve it individually.

If you deposit cash, you'll pay $1 per transaction. Some services are free, like receiving money or sending money within the US.

Cash App can change its terms at any time, and you agree to the revised terms by continuing to use the service.

Discord can change these terms at any time, and if you keep using their services, you're agreeing to the new terms.

Cash App doesn't offer overdraft or credit features, so you can't spend more than you have in your account.

If Discord's outage or other issue costs you money, the most you can get back is what you paid them in the last month. They won't pay for other losses, like lost profits or opportunities.

Cash App can close your account at any time, and you won't be able to use the service anymore.

Discord can terminate your account at any time, with or without notice, and you can also stop using their services at any time.

You're responsible for any mobile charges you incur while using Discord's services, including data charges.

Cash App collects information about you and your transactions, and may share this information with third parties.

Discord owns the rights to their software and services, and you can't use them without permission.

Cash App may share your information with third parties, such as merchants or other financial institutions.

Discord may allow you to access third-party services, but they're not responsible for those services or their content.

The terms are governed by the laws of a specific jurisdiction, but it's not clear which one.

You can request a refund, but the process and outcome are not guaranteed.

You must be at least 18 years old to use Cash App.

You must be at least 13 years old to use Discord. If you're younger, you'll need permission from a parent or guardian. They'll be responsible for your actions on the platform.