Cash App vs Twitch: whose terms are worse?

You can't sue Twitch as part of a class action lawsuit.

You have one year from when something goes wrong to start a lawsuit. After that, you can't sue them.

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.

Twitch can change these terms at any time, and if you keep using the service, 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 their outage costs you money, the most you can get back is what you paid them last month. This limit applies even if you're a consumer in the EU, EEA, UK, or Switzerland.

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

Twitch can terminate your account at any time, with or without notice.

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.

Any disputes will be governed by California law and resolved in California courts, unless you're a consumer in the EU, EEA, UK, or Switzerland, in which case you can resolve disputes in your local courts.

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 Twitch.

You agree to compensate Twitch for any damages or losses they incur due to your use of the service.