PayPal vs Spotify: 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.

If you have a dispute with Spotify, you must use arbitration instead of going to court. This means you won't be able to sue Spotify in court or be part of a class action lawsuit. You must send a written notice to Spotify before starting arbitration, and you have 60 days to try to resolve the issue informally before proceeding with arbitration.

You can't be part of a class action lawsuit against Spotify. If you have a dispute, you must resolve it individually through arbitration.

You have a limited license to use Spotify's content, but you don't own it.

Your subscription will automatically renew unless you cancel it. You can cancel at any time, but you won't get a refund for the current month.

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.

You must start arbitration within 1 year of when the dispute arose, or you'll lose your right to make a claim.

Spotify can change its prices at any time, and you'll be notified of changes. If you don't agree with the price change, you can cancel your subscription.

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.

Spotify can change its terms at any time, and you'll be notified of changes. If you don't agree with the changes, you can close your account within 30 days.

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.

If Spotify's outage or failure costs you money, the most you can get back is $30 or what you paid them last month, whichever is greater.

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.

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.

New York law applies to these terms, and any disputes will be resolved in New York courts or through arbitration.

You must be at least 18 years old to use Spotify, or 13 years old with parental consent.