Spotify vs Venmo: whose terms are worse?

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.

Disputes with Venmo will be resolved through arbitration, not in court. You give up your right to a jury trial or class action lawsuit.

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 can't join a class action lawsuit against Venmo; you must resolve disputes individually.

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.

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.

Venmo's fees and limits may change, so check the Fees page regularly to avoid surprises.

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.

Venmo can change its terms at any time, with 21 days' notice for changes that reduce your rights or increase your responsibilities. If you don't like the changes, you must close your account before they take effect.

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.

Venmo doesn't guarantee the safety of the money in your account, and you won't earn interest on it.

You can close your Venmo account at any time, but you must withdraw your money first. You'll still be responsible for any outstanding transactions or debts.

Venmo reviews your account activity, including withdrawals, to check for suspicious or illegal activity. This may delay or block your transactions.

Venmo says it won't use your account information for its own purposes, but the details are unclear.

Venmo can transfer its rights and obligations to another company, which may affect your account.

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.

Venmo should only be used to transact with people you know and trust, especially for goods and services. Using Venmo for transactions with strangers may result in lost money or goods.