I always read the fine print and terms and conditions. It's one of those things about me that really annoys other people since it takes forever, but I always tell them they can take it up with Tyra Banks.
Younger me was very into America's Next Top Model for a hot minute and in one episode of season four, the girls get hoodwinked into signing a contract without really reading it.
Tyra Banks explaining to the girls that they had just signed away any rights to their rights "in perpetuity" (and then explaining perpetuity) and the girl's melodramatic responses will be burned into my mind forever. Also, the "told you so" face of the one girl who had tried to read it before signing.
One Reddit user asked:
People who always read the "Terms and Conditions", what is the most troublesome thing users agree to?
... and it's like Tyra taught us nothing.
Forced Arbitration
Forced arbitration.
Basically, if their product or service harms you in any way, you can't sue and have to settle it with an arbitrator who has much more motivation to side with the company rather than you so they can get hired more often.
Many, many employers have this clause too.
Also important to note that the clauses often include that the arbiter be from a firm of their choice aka a firm they have on retainer.
This shouldn't be legal without an option to opt out
Your Soul Is Mine
mortal kombat pointing GIFGiphyThe game-station.co.uk prank! I think Gamestop might have done it in the US as well. They changed the fine print on their online purchases to read:
"By placing an order via this web site on the first day of the fourth month of the year 2010 Anno Domini, you agree to grant Us a non transferable option to claim, for now and for ever more, your immortal soul".
"Should We wish to exercise this option, you agree to surrender your immortal soul, and any claim you may have on it, within 5 (five) working days of receiving written notification from gamesation.co.uk or one of its duly authorised minions. We reserve the right to serve such notice in 6 (six) foot high letters of fire, however we can accept no liability for any loss or damage caused by such an act. If you a) do not believe you have an immortal soul, b) have already given it to another party, or c) do not wish to grant Us such a license, please click the link below to nullify this sub-clause and proceed with your transaction."
(The link led to a site that explained it was an April Fool's prank and granted a £5 voucher on the purchase)
They also later send out E-Mails to everyone that agreed to inform them they would be immediately nullifying any claim they had on their customers' souls.
- Lynata
Who "Owns" The Art
An online songwriting class where they essentially claimed ownership of everything you turned it. The way it was written, the student technically "owned" the song, but university had the right to do anything they wanted with it, including sublicense it and profit off of it without your permission.
Most sites that allow you to submit content have a clause like this. YouTube or DeviantArt basically own whatever you upload to them, they can profit off it, reproduce it without your permission, all that fun stuff.
- Awsom0
How Powerful Is iTunes?
There's a line in the iTunes terms and conditions:
You also agree that you will not use these products for any purposes prohibited by United States law, including, without limitation, the development, design, manufacture, or production of nuclear, missile, or chemical or biological weapons.
Apple has it in their movie prop contracts that the bad guy can never use their items. If you start to suspect someone in a movie, and see them use an iPad, iphone, ect., Spoiler alert...
Free Stock Photos
I don't remember the exact details but, when you enter one of costco photography contests you are giving the right to what they want with your photo even if you don't win the contest.
So, basically, the contest are a way to get high quality (because you don't send bad pictures to a contest) stock photos for free.
- mvrk3
As a Canadian Photographer, I only submit to Canadian contests or publishers, as in our copyright law, the ownership always falls back to the artist, and its cannot be signed away. Companies still try it in Canada, and just hope people don't try to fight the fine print even though they have full legal right.
We May
"We may collect some extremely sensitive data, like your device's camera feed"
We may. No words on when they do, which immediately makes me think they're doing it as often as possible.
"and share it with our partners, like partner#1 and partner#2"
Are those the only partners? Are they just examples of a list? Where's the full list then? Who knows.
Even worse when it just stops at "partners."
DNA
space dna GIF by NASAGiphyAncestry and 23andme have a clause that says they own your dna sequence and can do whatever they want with it.
Yeah, this is really scary. Noone should do these tests.
There's been reasonable cases so far where murders have been solved because the killer left DNA traces at the murder site, the killer's second cousin had done a DNA test, and this was enough of a match to call the second cousin in for questioning, ascertain their family tree and boom, you now have 52 suspects to investigate and a high degree of confidence that one of them is the killer.
This, however, can very easily be misused.
Imagine the Hong Kong police getting DNA samples after an anti-regime protest and asking for matches, or the US military doing so to track down a whistleblower like Edward Snowden or Chelsea Manning.
- sirgog
A Hidden Contract
This is an old one, but if you bought Windows 7 (Builder's License, reduced price version) and installed it on only your personal computer, you are technically breaking the law. The way the contract is worded basically means that the moment you install Windows, you certify that you are, in fact, a COMMERCIAL PC builder, and that you are building computers for a living, and for financial gain.
And if you don't follow these rules? Microsoft has the right to sue you for violating your contract.
Only problem was that the only COPY of that agreement was INSIDE of the packaging, and placed secretly in a spot behind the placard that tells you your product key.
It's hidden in the papers in the little tab in the jewel case, in case anyone wants to know.
So, in other words, you automatically agreed to a contract that you might even never know about.
Oh, and Microsoft can tell how many times you have used that product key. And they sued people for not using it for it's intended use. Google it.
We Don't Own What We Own
Technology these days - we basically don't own anything that we... Well, own. Nintendo and PlayStation own the rights to revoke your license of your digital Games. It's a small reason why I way prefer physical copies. I don't have any reason to believe they will revoke my license, but I hate that they have the ability to.
Not Without A Treaty
A common one:
"This contract is governed by the law of (insert nation or smaller jurisdiction HERE) and any disputes arising under this contract must be filed in (jurisdiction)."
This clause flat out doesn't matter in Australia. It's invalid and the contract applies as though it wasn't written - but it does apply in some countries without stronger consumer protection laws.
It puts you at a huge disadvantage if you need to sue the company, as you need a solicitor in California or Nevada or Turkmenistan or wherever it might be.
- sirgog
I review contracts for the government occasionally.
I always find it funny when we have to tell a company that we can't agree to put our nation under the Jurisdiction of another nation without a treaty, and that we don't plan on asking for a treaty to buy some off-the-shelf software from one of many resellers.
- fadnn6
More Than A Little Uncomfortable
Last spring I took the AP exams digitally, and there was a clause buried deep in the terms and conditions that said they could record you taking the test using your computer mic and webcam without notifying you (it would override the request to use your cam/mic and your webcam light) and that they could use the footage however they wanted.
I'd be lying if I said that didn't make me more than a little uncomfortable.
All Your Devices
alison brie everything GIFGiphyAt least twice, I've run into a clause that stated that if you used the software, you agreed that the company could send people to inspect all of your devices, and not just the one where the software was installed. This was on software for PC/MAC.
One was a third-party renderer for SketchUp, I forgot what the other one was.
A Year Of Email Reminders
If you sign up to use the Instagram API they send you a contract to sign. The contract has you agree to hand over your books and all server logs to Facebook any time they ask so they can check you're not violating the API terms (it said nothing about them needing a reason to ask).
Also if you choose to not sign, they will email you every 3 days indefinitely, reminding you to sign the contract, with no way to unsubscribe. I've been getting the emails for a year now lol.
A Care Worker
The missus' work contract says that if she invents or creates anything (intellectual properties or inventions), that the company she works for automatically own the rights to it.
She's a care worker. So if she invents a new device or creates a new treatment to help people, the company owns it and can charge/profit however they want.
- Alcopath
Winnebago
There are kind of two sides to this. Yes, some of the terms in contracts are disturbing, wrong etc. but by putting it in contract or as a clear warning label on a product/service the business protects itself from problems.
Like Winnebago now have to specifically declare that cruise control is not autopilot, because someone assumed it was, crashed their RV whilst making a drink in the kitchen thinking that the RV was self-driving, and was injured.
- fpotenza
Know Your Company Policy
Not really terms and conditions, but similar. I worked in HR for several years. I am amazed at how many people do not even skim over company policy or compliance.
I read - in depth - both of them at every company I work for.
Some companies will try their best not to even provide a copy to you, much less direct you to what you are looking for. If you email HR they will give you general "Oh you can find it here on the company portal."
Not only have I saved a few friends jobs by doing this, but also my own. Having at least a vague familiarity with company policy and compliance could one day save you.
Example: Worked for a company where the manager started dating an employees ex. Over night, the employee (also someone I consider a good friend) became the managers enemy.
The environment was getting pretty hostile, and then layoffs came. Guess who was first on managers list to let go? Yep, friend.
I was the supervisor at the time, so he called me and the friend into his office (without any HR rep present; strike one) and told my friend that he was going to have to let him go.
Me, being the overly paranoid type and having read the company policy, was able to dive right in on this @rsehole. I let him know that:
1. In the event of a firing or layoff, a person from HR/Compliance had to be present.
2. In the event of a layoff, (which is what this was) company policy stated that student workers followed by part time associates would be laid off before full time were laid off. I hadn't been in any layoff meetings with either of our two student workers or our one part time worker.
My manager was floored. I advised my friend to go to HR.
Ultimately, the manager was on his last leg anyway and ended up being let go for, you guessed it, none other than violation of company policy.
I would like to say the story had a super happy ending and I got promoted, but this isn't the movies, so I did not. I ended up leaving the company 8 months later for another opportunity.
Companies are typically in business for profit, and very few have the goal of keeping the customer's interests in mind.
But some corporations go even further to get more out of their customer in exchange for their "quality services" and as a result, the line between general business and scam becomes blurred.
Redditor jwwin asked:
"What is a predatory business that shouldn't be legal, but is?"
Students paying an exorbitant amount in tuition in order to seek higher learning should be warned there are additional expenses to cover for.
A Textbook Example
"College textbooks, they will release an 'updated' edition every semester but the information doesn't change. And then after you spent a fortune on the books the places that buy textbooks will give you like 5% of what you paid for the book."
– teethalarm
A "Double Whammy"
"Former Prof here. I talked with a book rep about this once and learned a lot. It is a bit complicated but worth understanding. Book publishers rely on large quantity sales to make any money on a book because the cost of production is so high up front (author, editors, printing, etc.). So, for a book to be profitable, it has to sell a lot of copies to spread the cost of production across all the books. A paperback in the fiction section might sell 100,000 or more. A textbook might sell as few as 1,000. So, the publisher needs everyone to buy the book to break even."
"Now add colleges into the mix. Somewhere in the 1980s (give or take), colleges saw publishers selling books and making larger profits on them than the college bookstore was making per book. So they got the bright idea to start buying used texts and reselling them. Before that, a text would come out and 97% (making the number up but it was close to that) of the students would buy the book in year one, 85% in year two, 75% in year three, 60% in year four and 50% in year five. A $50 dollar book would cost $25 to make (again, making the numbers up), sell to the bookstore for $40 ($15 publisher profit), and be sold to the student for $50 ($10 bookstore profit). Across the five years, the producer would make a profit."
"Then, college bookstores began offering students $25 for a used book and selling it for $40 ($15 profit - $5 higher than that of a new book). Students would then prefer the $40 used book over the $50 new book. But that cut the publisher's sales from 97% to 50% in the first year. Because they could not sell as many books they had to do two things: (1) raise the initial price of the text to cover the production cost in 1-2 years rather than 4-5 years, and (2) cut the cycle down from 4-5 years to 1-2 years to ensure that they got sales of the book. That is a double whammy. Texts that used to cost $50 now cost $300 or more. And they have a new version out every 18 months or so. Students refuse to pay that price and that cuts the sales numbers even further forcing the price up again. And, with new editions out so frequently, it is harder to sell them back to the bookstore."
"That's why you see so many 'course packs' now - where a professor will pick a few pages from a book to give to the students. I went from having nearly every student purchasing a text in my early career to having zero students with a text late in my career. Your professor probably dislikes the state of affairs as much as you do. I cut down what books I would select because I could not justify students paying that much for what they were getting. I would also recommend students look for older editions on Amazon and the like which got me in trouble with my administration because I was not supporting the bookstore. But, it was difficult to teach from a text that no one had or had access to. The University's desire to generate revenue from texts truly was killing the chicken because it was not producing enough eggs."
"So look for an older edition on Chegg, Amazon, or the like and match it up with what your professor is teaching from the new edition. You are right, it probably has not changed. Be careful for the problems at the end of the chapter - that is often where the changes are."
– BewnieBound
These businesses parade as services but they are notorious for taking more than what you're willing to pay for.
For A Future Owner
"Rent to Own (furniture, appliances, TVs, video game systems, etc.) The mark up on the interest over time ends up costing 4 times the purchase - or more."
– PartyAlarmed3796
"Well the trick is to not pay (seems to be what a lot of people do)."
– Expensive_Ad2695
"Which is why those places are so expensive and why they're actually kinda necessary for some people."
"They're taking a pretty big risk on people with no credit, and if a person with shi*ty credit needs a refrigerator or other necessary appliance, there's usually nobody else willing to work with them. Also, most of them report to credit agencies so you can build your credit through them."
"I'm not a fan by any means and I hate that people are buying video game systems and couches through them, but I still think they're filling a need."
– Pitiful-Pension-6535
Money Sucker
"Payday loan companies – they're like financial vampires, sucking the life out of people with high-interest rates."
– neonliolia
"And yet most of them are owned by major banks... hmmmm."
"Bank of America, Wells Fargo, US Bank, JP Morgan/Chase collectively all own the largest payday lender companies."
– Bramtyre
"In Canada, there is an effort to turn Canada Post into a kind of bank that offers basic banking services to the most vulnerable. Not sure what happened to that, but it was an alternative to check cashing and payday loan rackets."
– hobbitlover
Greedy Event Vendor
"Ticket Master."
– LTVOLT
"Agreed. We went to a preseason hockey game the other week. Tickets were $5 each but there was around $8 of Ticketmaster fees for each one and you had to use their app to get in the door because the barcodes change like every 30 seconds or something. It's ridiculous."
– darfus1895
Where can citizens turn to receive genuine care without drying up their financial resources?
Big Pharma
"Health Insurance and over priced perscription drugs."
"Wife is type 1 diabetic. Her pump is over $1000 a month WITH 50% coverage. $177 for just the sensor pack. We have the best coverage we can afford."
– Dukeboys_
"US pays the middle man for health care coverage. The middle man and the health care provider come up with "health packages" you can buy into, just in case you get sick. It's just sick how they funnel money from the middle class into this."
– dcoolidge
"Healthcare insurance industry. They can straight up reject claims you should be covered for and make you jump through near endless hoops to get them to pay for the service that is part of your plan."
– ColdHardPocketChange
All Out To Get Ya
"Homeopathic 'medicine' sellers."
"Psychics"
"Domain search engine registration scams (fake emails or physical mail that shows up saying 'your domain search registration is about to expire' and look exactly like warnings that your domain name is about to expire)"
"Fake homeowner warranty/car warranty scams loaded with so many limitations and exclusions they’ll basically never pay out."
"Multilevel marketing systems like Amway."
– 4wqrewtety
Losing Sight Of Kids' Well-Being
"From my experience working in group homes for youth are awful. The owners only want money and the more kids in care the more money."
– OddReputation3765
Going Nowhere Fast
"Car insurance."
"You get penalized for using it. Even just once in some cases."
– Effective_Sundae_839
"1000% agree. I was rear ended by a hit and run driver while i was stopped at a stop sign. Literally came to a stop for 3 seconds max and got destroyed. Car insurance wanted to give me 4k and shut me up. It’s called the nuisance fee. I eventually lawyered up and got 25k out of it. But like wtf. B*tch that’s what we PAY FOR, following renewal of my policy it increased hundreds of dollars a month and that was even after i switched to a different company. 'A claim is a claim regardless who is at fault.'”
– HitBackZach
Businesses taking advantage of their customers should be a crime, yet here we are.
What companies can you think of that legally continue to look after their own profitable interests above providing a decent service?
Just the other evening, I was walking home, and I barely survived.
I tripped on a dead tree branch.
The next thing I knew, I was flying in the air and landing on my back.
My belongings were strewn about.
And my to-go burger was dead.
A simple walk.
A simple dead branch.
And almost lights out.
Redditor Typical_XJW wanted to hear about the times people eluded death, so they asked:
"How did you almost die?"
Don't even get me started on any and every car ride.
We're always moments from the end on highways.
Back in the Day...
Hunger Games Student GIFGiphy"Almost drowned when I was 5 or 6, been hospitalized twice for sepsis between 2016 and 2019, and had a stroke this year. I'm 29."
ChristmasKid88
On the Disk
"MRSA infection in the disk on my lower spine between L5 and S1. Showed up two days after a cortisone shot but the hospital said it was from something else. Was in hospital 25 days multiple emergency surgeries."
EatA**FromBack
"I worked for a doctor who did these in-house and other procedures, and it 100% made me not trust medical facilities, cleanliness, and sterilization procedures. Had about twenty patients all come down with the same gut infection, 'coincidentally,' the same patients who came in for endoscopy procedures the same day."
dimlylit_
Saved
"Saving a younger friend from drowning, he panicked and almost took me out."
loztriforce
"Had that happen with a younger cousin when we were kids. His brother and I went to save him, he climbed on both of us and pushed us under. Lifeguard didn’t even see us until he pulled younger cousin out of the water, then we popped up gasping for air."
coffeejunki
Shucked
"16-year-old farm kid me, stepdad told me to go pick up a load of corn seed for planting. I had gone with him many times before, and driven the truck (full ton dually diesel) and hauled light stuff with it. Nobody told me how different it is to haul 10,000 lbs of seed on a big flatbed trailer on gravel. I had a lot of common sense and was driving slowly and carefully."
"Still… 10,000+ lbs pushed me down a gravel hill skidding, praying to god I stopped before the stop sign at the T intersection to a busy highway. I came to a grinding halt JUST as the front of the truck crossed the plane where the gravel turned to asphalt. A semi was coming from one direction and regular cars from the other. I shudder thinking about what if on that one. Don’t let untrained kids tow potentially deadly, heavy trailers, with zero training."
datnetcoder
Finding Tracks
College Sports Sport GIF by Sealed With A GIFGiphy"Was backwoods camping in Yellowstone and if I hadn’t considered for 30 seconds if I REALLY needed to get up and go to the bathroom in the middle of the night, I would have walked out of my tent headfirst into a brown bear, which I heard before leaving and found tracks of next to my tent in the morning. Spookiest moment of my life in hindsight."
danvo5
Bears are a no go for me.
Camping is an even bigger HECK NO!!
Several Strikes
Reassuring Jimmy Fallon GIF by The Tonight Show Starring Jimmy FallonGiphy"Twice. 1. Woke up to my apartment on fire."
"2. Hit head-on by a drunk driver on a small bus, just after everyone got off bus exploded."
lizard_king0000
Oh Barb
"Lmao okay, so I was getting my teeth cleaned, and I got nitrous oxide because I have so many exposed roots. Well, my hygienist at the time was this lovely lady from Minnesota. Kinda flaky, but super sweet, and talked about her family all the time. So I'm in the chair and she hooks up my mask, and away we go. I actually fell asleep! Except not so much."
"Turns out Barb had forgotten to turn the oxygen on and had been feeding me straight nitrous. She only noticed because I started gasping for air while unconscious. So that's how I almost died at the dentist. I never saw Barb again, but I tell you, that was the best nap of my life!"
CharismaticAlbino
Climb Up
"I was snorkeling. I had my other stuff stored on a rock by the water, about 3 meters high. When I got out, I decided to climb straight up. Almost at the top, the rock I was hoisting myself up on came off and I fell back first onto the coral. If a friendly wave hadn’t come in, I would have broken my back, at least."
Yugan-Dali
Blood Loss
"I was diagnosed with a rare fatal blood disorder from birth, doctors projected I’d live till about 6 and then die from massive blood loss. As this was the mid-90s, they tested the idea of using stem cells from my sibling's umbilical cord; administering the first successful stem cell transplant from a sibling donor and I’m still here to tell the tale!"
Material_Cry1697
These were some tremendously close calls.
Do you have any near-death experiences to share? Let us know in the comment below.