Discord vs Venmo: 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.

Disputes with Venmo will be resolved through arbitration, not in court. You give up your right to a jury trial or class action lawsuit.

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

You can't join a class action lawsuit against Venmo; you must resolve disputes individually.

Venmo's fees and limits may change, so check the Fees page regularly to avoid surprises.

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

Venmo can change its terms at any time, with 21 days' notice for changes that reduce your rights or increase your responsibilities. If you don't like the changes, you must close your account before they take effect.

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.

Venmo doesn't guarantee the safety of the money in your account, and you won't earn interest on it.

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

You can close your Venmo account at any time, but you must withdraw your money first. You'll still be responsible for any outstanding transactions or debts.

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

Venmo reviews your account activity, including withdrawals, to check for suspicious or illegal activity. This may delay or block your transactions.

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

Venmo says it won't use your account information for its own purposes, but the details are unclear.

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

Venmo can transfer its rights and obligations to another company, which may affect your account.

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.

Venmo should only be used to transact with people you know and trust, especially for goods and services. Using Venmo for transactions with strangers may result in lost money or goods.