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Etsy's Terms of Use effective December 16, 2026 (dated Oct 26, 2026) bind anyone who uses Etsy, 'even just browsing'. Users in North and South America must arbitrate individually with the AAA, waiving class actions and jury trials; only new users can opt out, within 30 days, and the clause reaches disputes that arose before these Terms. Ten or more similar claims by the same lawyers are forced into batches of 100, and arbitrations under $25,000 are decided on documents alone by default. Etsy's total liability is capped at the greater of $100, Purchase Protection amounts, or 12 months of fees, and buyers 'release Etsy' from claims over items sold, including items that cause physical injury. Everything you post is licensed to Etsy and its chosen third parties perpetually and irrevocably, including to train AI. Any bot, browser extension or AI agent acting for you counts as you, Etsy can demand it identify itself, and you may not use anything from Etsy, gathered automatically or by hand, to train or even prompt an AI model. Prompt injection aimed at Etsy's AI systems is now a ground for immediate termination. Etsy can change the Terms with notice and treats continued use as acceptance. Users outside the Americas contract with Etsy Ireland and keep their home-country consumer protections.

The Website Terms of Use of Faith Driven Movements, the Texas-based 501(c)(3) behind Faith Driven Entrepreneur, are an unedited generic template with no date. Unfilled placeholders remain: eligibility requires users to be '[Accredited Entrepreneur for Marketplace]', and the copyright notice instructions point to '{Invalid hyperlink URL}'. Simply using the website binds you, and changes take effect the moment they are posted. Arbitration is one-sided: the ministry 'at Company's sole discretion' may force a dispute into AAA arbitration, while you must sue only in Wilmington, Delaware, under Delaware law, even though the owner says it is based in Texas, and the ministry keeps the right to sue you anywhere. Claims must be filed within one year. Liability is excluded entirely for 'DAMAGES OF ANY KIND', expressly including personal injury and negligence, with no dollar cap. Anything you post may be used, modified and disclosed by the ministry, its affiliates, service providers and their licensees 'for any purpose'. You may not link to any page except the homepage, and may not use robots or even a 'manual process' to copy material. The ministry may disclose your identity to anyone who claims your posts violate their rights.

The Terms of Service for Posh Group, Inc., a New York event ticketing and event management platform, dated 'Effective Date: 12/01/2026'. They bind anyone who merely browses the website, not only ticket buyers. Disputes go to individual binding arbitration before NAM with a class action and jury waiver, a mandatory one-on-one call first, batch-arbitration rules for mass claims and confidential proceedings, though you can opt out by mail within 30 days. The standout problem is safety: buying a ticket or attending an event releases Posh and the event organizer from liability, and a separate general release covers 'personal injuries, death, and property damage' with a California Civil Code 1542 waiver. Posh says it does not vet events, organizers or health and safety compliance and does no background checks. Posh can monitor all your content and you have 'no expectation of privacy' in your chats, texts or voice communications. You grant a perpetual, irrevocable, sublicensable licence to your content, and Posh owns your account. SMS opt-out only works with five exact keywords; emailing support or asking staff does not count. Liability is capped at $1,000, higher than most, with carve-outs for negligent death or injury and fraud.

Meetup's Terms of Service (last updated October 1, 2026) are a contract with Bending Spoons Operations S.p.A. of Milan and come in two versions. For the US and the rest of the world, disputes go to individual arbitration with a class-action waiver, after a mandatory 45-day informal negotiation period; you can opt out by email within 30 days of first accepting, but existing members who opt out stay bound by the earlier arbitration clause. Claims must be filed within one year, Meetup's liability is capped at the greater of $100 or what you paid in the last 12 months, and if you turn down a settlement offer and then win less in arbitration you pay Meetup's arbitration costs from that point. You release Meetup from claims arising from groups and events, release organizers from their own negligence, and accept the risk of injury or death at events. Anything you post gives Meetup a perpetual, irrevocable licence that includes commercial use of your publicity rights. Meetup can change or drop features or subscription plans without notice, and after a failed payment it can keep retrying your card or split the charge into smaller amounts. The version for the EEA, UK and Switzerland is noticeably fairer: no arbitration, Italian law with home-court access for EU consumers, a 14-day withdrawal right, and advance notice of price and feature changes. Both versions give 30 days' email notice of material changes and an appeal route for moderation decisions.

These Terms of Use cover UnitedHealthcare's member websites and apps for Golden Rule, Mid-West National Life, Chesapeake Life and UnitedHealthcare plans, and apply to anyone who simply uses the site; using it or registering counts as your electronic signature. UHC can change them at any time, effective as soon as they are posted. The liability clause is sweeping: UHC says it has 'no liability for any loss' arising from the online services or 'any acts or omissions by us', with a narrower version only for New Jersey residents. Any claim must be brought within one year. Disputes go to individual AAA arbitration with a class-action waiver, though you can opt out by mailed letter within 30 days, small claims court is allowed, coverage and benefits disputes are excluded, and UHC advances arbitration costs for claims up to $10,000. Text messages can contain protected health information and are sent unencrypted, which UHC says you accept 'at your own risk', alongside a blanket exclusion of liability for anything to do with texting. Anything you post grants UHC a perpetual, irrevocable, sublicensable licence, and UHC tells you that you have no expectation of privacy in it. Teens 13 to 17 may use the services if a parent agrees on their behalf.