PayPal vs Twitch: 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.

You can't sue Twitch as part of a class action lawsuit.

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 have one year from when something goes wrong to start a lawsuit. After that, you can't sue them.

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.

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

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 their outage costs you money, the most you can get back is what you paid them last month. This limit applies even if you're a consumer in the EU, EEA, UK, or Switzerland.

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.

Twitch can terminate your account at any time, with or without notice.

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.

Any disputes will be governed by California law and resolved in California courts, unless you're a consumer in the EU, EEA, UK, or Switzerland, in which case you can resolve disputes in your local courts.

You must be at least 13 years old to use Twitch.

You agree to compensate Twitch for any damages or losses they incur due to your use of the service.