{"id":"scan_04c09bee6a1a","source_url":"https://stripe.com/legal/ssa?verify=2","doc_type":"terms_of_service","fetched_at":"2026-10-13T02:51:20.445852Z","word_count":19442,"language":"en","risk_score":100,"risk_level":"critical","verdict":"pass","summary":"You waive the right to participate in class-action lawsuits, and disputes will be resolved through individual binding arbitration. You are responsible for actions taken by the AI Agent accessing Stripe Services. You must not use or run the Stripe Technology in any way other than in accordance with this Agreement.","clauses":[{"id":"c_001","category":"class_action_waiver","title":"Class-action waiver and binding arbitration","summary":"You waive the right to participate in class-action lawsuits, and disputes will be resolved through individual binding arbitration.","severity":"high","quote":"Disputes between User and Stripe are subject to a class action waiver and will be resolved by individual binding arbitration, except as stated otherwise in this Agreement.","section":"11.4 (Dispute Resolution; Agreement to Arbitrate)"},{"id":"c_003","category":"ai_agent_terms","title":"AI agent responsibility","summary":"You are responsible for actions taken by the AI Agent accessing Stripe Services.","severity":"high","quote":"User acknowledges that: (a) an AI Agent constitutes an \"electronic agent” or equivalent concept as defined or recognized under the Uniform Electronic Transactions Act (UETA) and similar Laws; and (b) actions initiated or completed by an AI Agent are legally binding on User.","section":"1.7 AI Agent"},{"id":"c_004","category":"bot_automation_ban","title":"No automated access allowed","summary":"You must not use or run the Stripe Technology in any way other than in accordance with this Agreement.","severity":"high","quote":"User agrees not to, use or run the Stripe Technology in any way other than in accordance with this Agreement and the Documentation.","section":"2.2 Exclusions"},{"id":"c_005","category":"bot_automation_ban","title":"Prohibition on automated access","summary":"You must not enable any third party to use automated methods to access the Stripe Technology.","severity":"high","quote":"User must not (and User must not enable or allow any third party to) decompile, reverse engineer, disassemble, attempt to derive the source code of, decrypt, tamper, translate, modify, or create derivative works of all or any part of the Stripe Technology or any services provided by Stripe.","section":"2"},{"id":"c_006","category":"account_delegation","title":"Account security responsibilities","summary":"You are responsible for ensuring that your Stripe Account is not accessed by anyone other than you and your authorized representatives.","severity":"high","quote":"User must ensure that its Stripe Account is not used or modified by anyone other than User and its authorized representatives, and will use commercially reasonable efforts to prevent the unauthorized access, disclosure, or use of its Stripe Account Credentials.","section":"3"},{"id":"c_007","category":"data_retention_deletion","title":"Data retention limits","summary":"Stripe is not obligated to retain your data after the agreement ends, except under certain conditions.","severity":"medium","quote":"Stripe is not obligated to retain data that it receives from or through User after the Term, except as (a) required by Law; (b) reasonably required for Stripe to perform any post-termination obligations; (c) this Agreement otherwise states; or (d) the parties otherwise agree in writing.","section":"4.4"},{"id":"c_009","category":"indemnification","title":"Indemnification obligations","summary":"You must notify Stripe of claims and assist in their defense, while Stripe controls the defense.","severity":"medium","quote":"If the indemnified party seeks to enforce an indemnity under this Agreement, it must promptly notify the indemnifying party of the applicable Claim and allow the indemnifying party to take exclusive control of its defense and settlement.","section":"9.3 Defense of Claims"},{"id":"c_010","category":"termination_at_will","title":"Termination rights for Stripe","summary":"Stripe can terminate the agreement or close your account at any time without prior notice.","severity":"high","quote":"Unless otherwise agreed in writing, Stripe may terminate this Agreement or close User’s Stripe Account at any time.","section":"10.1(b)(ii)(1)"},{"id":"c_011","category":"termination_at_will","title":"User's termination rights","summary":"You can terminate the agreement at any time by closing your Stripe account.","severity":"medium","quote":"User may terminate this Agreement at any time by closing its Stripe Account via the Stripe Dashboard.","section":"10.1(a)(i)"},{"id":"c_012","category":"account_suspension","title":"Stripe's suspension rights","summary":"Stripe can suspend your access to services if it believes you have violated laws or agreements.","severity":"high","quote":"Stripe may immediately suspend User’s access to the Stripe Technology and use of any or all of the Services if: Stripe reasonably believes that by providing the Services to User, Stripe or User has violated, or is reasonably likely to violate, any Law or Governmental Authority requirement or directive.","section":"10.1(b)(i)"},{"id":"c_013","category":"binding_arbitration","title":"Binding arbitration for disputes","summary":"All disputes must be resolved through binding arbitration, limiting legal recourse.","severity":"high","quote":"Except as stated otherwise in Section 11.4(a)(ii) or the Regional Terms, all disputes, claims, and controversies, whether based on past, present, or future events, including those arising out of or relating to statutory or common law and the breach, termination, enforcement, interpretation, or validity of any provision of this Agreement, will be determined by binding arbitration by a single arbitrator.","section":"11.4 Dispute Resolution; Agreement to Arbitrate"},{"id":"c_014","category":"class_action_waiver","title":"No class action claims","summary":"You waive the right to participate in class-action lawsuits.","severity":"high","quote":"Any award will be final and binding on the parties and will be deemed to have been made at the seat of arbitration, and each party will act promptly in accordance with the award.","section":"11.4 Dispute Resolution; Agreement to Arbitrate"},{"id":"c_015","category":"ai_agent_terms","title":"Definition of AI Agent","summary":"The term 'AI Agent' includes any automated technology acting on your behalf in transactions.","severity":"info","quote":"“AI Agent” means any software, computer or other automated technology, including any such technology that operates through, in conjunction with, or by invoking other automated systems, platforms, APIs or agents, whether or not User has direct control over or visibility into each intermediate system in the chain, that is capable of, designed for, or employed for the purpose of independently or semi-independently acting as User’s delegate, proxy, intermediary, or agent in any transactional activity, whether in a single transaction or across multiple ongoing transactions.","section":null}],"agent_friendliness":"hostile","agent_friendliness_notes":["Automated access prohibited: You must not use or run the Stripe Technology in any way other than in accordance with this Agreement."],"dealbreakers":[],"recommended_actions":[],"meta":{"truncated":true,"cached":false,"fetched":true,"content_hash":"8b58dae4724c9147aaf38208cf789bcd922486ecd1a9d43a891bfdc7e499f77d","overage":false,"paid_via":null,"quotes_dropped":2},"disclaimer":"Fineprint provides automated informational analysis only. It is not legal advice, and Fineprint is not a law firm. Verify material findings against the quoted source text and consult a licensed attorney before acting."}