Grade B — Fair terms (score 78/100)
The terms include standard liability limitations and indemnification requirements, but notably lack a forced arbitration clause or class action waiver.
Standard terms with liability caps and indemnification. No forced arbitration.
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU... EXCEED THE AMOUNT PAID BY YOU, IF ANY, OR $100 (WHICHEVER IS LESS)
The company limits its total financial liability to you to $100 or less, regardless of the harm caused.
You hereby agree to indemnify, defend, and hold us... harmless from and against any and all losses, damages, liabilities and costs
You are required to pay for the company's legal defense and any damages if they are sued because of your actions or account usage.
If we deem appropriate in our sole discretion, we reserve the right to preserve a record of any such information/data and turn all or a portion thereof over to law enforcement officials.
The company reserves the right to share your data with law enforcement based on their own judgment rather than strictly requiring legal process.
You agree that any action... shall be filed... only in state or federal courts located in the borough of Manhattan, New York, New York
You are forced to resolve legal disputes in New York, regardless of where you live.
If we make a material change to these terms of use we will post a notice on ForeignAffairs.com.
The company promises to notify users of material changes to the terms by posting a notice on their website.
Last reviewed 2026-08-24 under rubric v3.5.