Coinbase vs Zoom: 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 Zoom, you'll have to arbitrate it instead of going to court. You also can't bring class-action claims against Zoom. To opt out of arbitration, go to your account settings within 30 days of agreeing to these terms.

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

You can't bring class-action claims against Zoom. This means if you have a problem, you'll have to take it up individually, not as part of a group.

Zoom can access and use your content for specific purposes, like providing the service or complying with laws. Review Zoom's data usage policies to understand how your content will be used.

By using Zoom, you give Zoom a license to use your content. This license is perpetual, worldwide, and non-exclusive, which means Zoom can use your content for various purposes.

Your subscription will automatically renew unless you opt out at least 30 days before the end of your current term. Check your subscription settings to opt out of auto-renewal.

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 Zoom, you must submit it within 30 business days. If you don't, you might lose your right to dispute the issue.

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

Zoom can change its prices at any time, but it will give you at least 30 days' notice before the change takes effect.

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.

Zoom can make changes to its terms of service at any time, and it's your responsibility to regularly check for updates.

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 Zoom's outage or other issue costs you money, the most you can get back is what you paid Zoom the previous 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.

Zoom can terminate your account at any time, and you can also terminate your account by contacting Zoom.

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.

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

These terms are governed by California law, which means any disputes will be resolved according to California law.

Zoom's refund policy is not clearly stated, but it seems that all payments are non-cancelable and non-refundable.