Grade C+ — Standard consumer terms (score 65/100)
ACT mandates binding arbitration and class action waivers for all disputes, while strictly limiting its liability to $100.
Forced arbitration, class action waiver, and limited liability.
You and ACT agree that any and all Disputes... shall be resolved by a single arbitrator through final and binding arbitration.
You cannot sue ACT in court; you must use a private arbitrator.
No arbitration may be brought or maintained as a class action or a collective action.
You are prohibited from participating in class action lawsuits against ACT.
IN NO EVENT WILL THE COLLECTIVE LIABILITY OF ACT... EXCEED $100.
Even if ACT is at fault, the most you can recover is $100.
These terms and conditions (the “Terms”) may be revised or updated by ACT.
ACT reserves the right to change these terms at any time without notice.
You and ACT agree that any permissible court action... shall be brought exclusively in the U.S. District Court for the Southern District of Iowa.
If you are permitted to go to court, you must do so in Iowa, regardless of where you live.
Last reviewed 2026-09-19 under rubric v3.5.