The ClearTOS Ledger

Plain-English letter grades for the Terms of Service and Privacy Policies of 974 companies, each scored against a published rubric with verbatim evidence.

AI

B

Combined

  • Opera Terms Scorecard — grade B-: Opera terms include forced arbitration for US users and broad content licenses.

Developer

E-commerce

Education

Electronics

Entertainment

Finance

Financial Services

Fitness

  • Life Time Terms Scorecard — grade F: Forced arbitration and broad content license. No clear data deletion rights.
  • NASM Terms Scorecard — grade B+: Standard terms with liability caps, indemnification, and no-notice modifications.

Food

Gambling

  • Betway Terms Scorecard — grade B+: Standard gambling terms with broad termination rights and liability limitations.

Gaming

gb

Government

Hardware

Health

Healthcare

Other

Predatory terms

Privacy Policy

Productivity

Professional Services

  • PwC Terms Scorecard — grade F: Forced arbitration, class action waiver, and perpetual content license.

Social

Social Media

Software

Sports

Standard consumer terms

Streaming

Telecom

  • Beeline Terms Scorecard — grade B+: Cookie policy with data sharing for marketing. Unilateral changes allowed.
  • BT Terms Scorecard — grade B+: Broad termination rights and content license. No forced arbitration.
  • Nokia Terms Scorecard — grade A-: Broad content license and indemnification requirements. No forced arbitration.
  • T-Mobile Terms Scorecard — grade D: Forces arbitration, limits liability, and allows unilateral changes.
  • TDS Terms Scorecard — grade D: Mandatory arbitration, class waiver, and broad liability disclaimers.
  • Telstra Terms Scorecard — grade A: Standard telecom terms. No critical red flags. Auto-renewal is clearly stated.
  • TP-Link Terms Scorecard — grade B-: Shares data with marketing partners; vague retention; no breach-notice commitment

Terms of Service

Terms of Use

ToS

Travel

Warranty Terms and Conditions

  • Renpho Terms Scorecard — grade B: Standard warranty terms with mandatory arbitration and class action waivers.