Dropbox vs PayPal: whose terms are worse?

If you have a dispute with Dropbox, you must try to resolve it informally first, and then you'll have to go through individual arbitration. You can't sue Dropbox in court, unless you opt out of arbitration within 30 days.

Disputes with PayPal will be resolved through arbitration, not in court. This means you won't be able to sue PayPal or participate in a class-action lawsuit.

You can't bring a class action lawsuit against Dropbox. If you have a dispute, you'll have to resolve it individually.

When you use Dropbox, you give them permission to access, store, and scan your files to provide their services. This includes sharing your data with their affiliates and trusted third parties.

Dropbox says these terms don't give them any rights to your files, but it's not entirely clear what that means.

If you have a paid Dropbox account, it will automatically renew and charge you unless you cancel it.

If you request a check from PayPal, you must cash it within 180 days or the funds will be returned to your account and you'll lose the $1.50 fee.

Dropbox can change the fees for their services, and they'll give you at least 30 days' notice before the change takes effect.

Dropbox can change these terms at any time, and the updated terms will be effective no less than 30 days after they notify you.

PayPal can change its terms at any time, and you're bound by those changes if you keep using the service. You'll get at least 21 days' notice if the changes affect personal accounts, or 5 days' notice for business accounts.

If Dropbox's service causes you financial loss, the most you can get back is $20 or 100% of your last payment.

If PayPal's outage or other issue costs you money, the most you can get back is what you paid them last month. This limit applies even if the problem was PayPal's fault.

Dropbox can terminate or suspend your account at any time, and if they do, you won't be able to access your files.

PayPal can close your account at any time, with or without notice. If this happens, you'll still be responsible for any outstanding fees or debts.

Dropbox may review your conduct and content to ensure it complies with their policies, and they can terminate your account if it doesn't.

PayPal may ask for your tax ID number or other tax-related information to comply with tax laws. You're responsible for paying any taxes owed on your PayPal transactions.

PayPal will keep your money separate from its own funds, so if the company goes bankrupt, your balance should be safe. However, this protection doesn't apply to cryptocurrency holdings.

PayPal may convert your money to a different currency if necessary, using its own exchange rate. You can't use PayPal for speculative trading or trying to profit from currency conversions.