Coinbase vs Spotify: whose terms are worse?

You agree to resolve disputes with Coinbase through binding arbitration, which means you won't be able to sue Coinbase in court.

If you have a dispute with Spotify, you must use arbitration to resolve it, rather than going to court. This means you'll have to present your case to an individual arbitrator, rather than a judge or jury.

You give up your right to participate in a class action lawsuit against Coinbase.

You can't participate in a class action lawsuit against Spotify, which means you can't join forces with other users to sue the company.

You grant Spotify a license to use any content you upload to the service, but the terms of this license are unclear.

Your paid subscription will automatically renew unless you cancel it.

Disputes between you and Coinbase will be resolved through binding arbitration, and you waive your right to a jury trial and class action.

If you have a dispute with Spotify, you must file a claim within 1 year of the incident.

Coinbase can change its fees at any time, and you agree to pay all fees associated with using the service.

Spotify can change its prices at any time, and you'll be charged the new price unless you cancel your subscription.

Coinbase can change its terms at any time, and you agree to these changes by continuing to use the service. If you don't agree, your only option is to stop using the service and close your account.

Spotify can change its terms at any time, so you should review them regularly to stay up to date.

Coinbase doesn't provide investment advice, and you're responsible for making your own investment decisions. Coinbase will not be held responsible for your investment decisions.

If Spotify's outage or other issue costs you money, the most you can get back is what you paid them last month.

Coinbase can terminate your account at any time, without notice, and for any reason. You may lose access to your Digital Assets if your account is terminated.

Coinbase monitors your account activity and may access your personal data to comply with laws and regulations. You agree to keep your account information up to date.

Coinbase may retain your personal information even after you close your account, as required by law or to protect itself and its customers.

Spotify may keep your data even after you've stopped using the service.

Coinbase may share your personal information with third parties, such as credit reference and fraud prevention agencies, to verify your identity and prevent fraud.

You must be at least 13 years old to use Spotify, or have parental consent if you're under 18.