Twitch vs Venmo: whose terms are worse?

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 sue Twitch as part of a class action lawsuit.

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

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

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

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

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 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.

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

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

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.

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.

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.