Lyft vs PayPal: whose terms are worse?

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.

Lyft owns all the intellectual property rights in the platform, and you don't have the right to use their trademarks or other intellectual property except as allowed by the agreement.

Lyft will charge you for the services you use, and you agree to pay those charges when you use the platform.

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.

Lyft can change the prices for their services at any time, and you agree to pay the prices that are in effect when you use the services.

Lyft can change the terms of this agreement at any time, and you accept those changes by continuing to use the platform after they are made.

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 you don't like a ride, you can't get a refund - all charges are non-refundable except where the law says they have to be.

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.

You can only have one user account, and you can't let other people use your account or create an account on behalf of someone else.

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.

You agree to receive communications from Lyft, but you can opt out of some messages by texting 'STOP' to the shortcode.

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.

Lyft can use your information to improve the platform and provide services to you, and you give them permission to do so by using the platform.

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.

The laws of a particular jurisdiction will apply to any disputes between you and Lyft, but it's not entirely clear which jurisdiction that will be.

You agree not to do certain things when using the platform, such as impersonating someone else or violating the law.