PayPal vs Zoom: 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 agree to arbitrate certain claims with Zoom instead of going to court, and you will not bring class-action claims against Zoom.

Zoom will only use your data for specific purposes, such as providing the service, and will not use it to train AI models.

Your subscription will automatically renew at the end of each term, and you will be charged for the next term unless you cancel or modify your subscription before the renewal term starts.

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.

Zoom can change its prices at any time, and you will be notified of any changes at least 30 days before the price change takes effect.

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.

Zoom can make changes to the terms of service at any time, and if you continue to use the service after the changes take effect, you agree to the new terms. You should regularly review the terms to stay up to date.

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 Zoom's outage or other issue costs you money, the most you can get back is what you paid them last month.

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.

Zoom can terminate your account at any time, with or without notice, if you fail to comply with the terms of service.

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.

Zoom may collect telemetry data, such as product usage data and diagnostic data, when you use the service.

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.

Zoom may share your customer content with third-party service providers to provide the service.