Cash App vs Spotify: whose terms are worse?

If you have a dispute with Spotify, you must use arbitration instead of going to court. This means you won't be able to sue Spotify in court or be part of a class action lawsuit. You must send a written notice to Spotify before starting arbitration, and you have 60 days to try to resolve the issue informally before proceeding with arbitration.

You can't be part of a class action lawsuit against Spotify. If you have a dispute, you must resolve it individually through arbitration.

You have a limited license to use Spotify's content, but you don't own it.

Your subscription will automatically renew unless you cancel it. You can cancel at any time, but you won't get a refund for the current month.

You must start arbitration within 1 year of when the dispute arose, or you'll lose your right to make a claim.

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

Spotify can change its prices at any time, and you'll be notified of changes. If you don't agree with the price change, you can cancel your subscription.

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

Spotify can change its terms at any time, and you'll be notified of changes. If you don't agree with the changes, you can close your account within 30 days.

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

If Spotify's outage or failure costs you money, the most you can get back is $30 or what you paid them last month, whichever is greater.

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

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

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

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

New York law applies to these terms, and any disputes will be resolved in New York courts or through arbitration.

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 18 years old to use Spotify, or 13 years old with parental consent.