512 companies, ranked by what their fine print takes from you.
Kroger is the worst, at 85 out of 100.
Read whyDiamondback Energy is the best, at 8 out of 100.
See what it does wellWe read the terms of service, privacy notices and membership rules of 512 companies. We quoted the clauses that cost you, wrote each one in plain English, and scored every company out of 100. Higher is worse.
What counts. Six things the terms can take from you: your right to sue, an easy way to cancel, control of your data, stable prices and terms, deletion when you leave, and the odd trap that fits nowhere else. Each one carries a share of the 100 points.
Where it comes from. Every clause is quoted from the company's own document, with its name, date or section, and a link to it. The archive holds 3,205 clauses and findings, dated 1 October 2026.
How sure we are. The scores are a draft: editorial judgements that no one has checked in full. 21 findings in 12 profiles have been checked against their sources so far, and the checks corrected at least one draft claim.
What it is not. Not legal advice, and not a finding that any company broke a law. Terms differ by plan, state and country, and they change. Read the linked document before you act on anything here.
Overall score, worst first. Ties go to the higher total, then A to Z. See all 512.
Red means 70% or more of the points: bad. Green means 20% or less: few or no problems found.
Disney+ sold Premium as ad-free. Its new terms allow ads on every plan.
Amazon said “cancel anytime”. The FTC called cancelling a maze; Amazon settled for $2.5 billion.
TikTok calls itself a safe place. Its terms cap what you can recover at $100.
All 8 side by sideBehind the tiles: an 18th-century indenture, the fine print of its day. The Met, public domain.
81 out of 100
They say
“Premium: ad-free streaming”
The terms say
“All Service Plans may include: (i) promotional content, (ii) sponsorships, and (iii) advertisements before/after playback” — the ad-free tier was redefined while still being sold on it (Sep 2026 agreement update).
80 out of 100
They say
“Cancel anytime.”
The terms say
The Iliad cancellation maze — five pages to cancel on desktop, six on mobile. The FTC sued, and Amazon agreed to a $2.5B settlement in Sept 2025: $1B penalty plus $1.5B in redress, the largest of its kind.
78 out of 100
They say
The pitch is convenience.
The terms say
The fine print binds your guests' disputes too and lets Uber rewrite the contract silently — changes take effect upon posting, and just opening the app counts as your agreement.
74 out of 100
They say
“We want the platform to be a safe place, where people can be who they are and have fun.”
The terms say
Meanwhile the fine print takes your faceprint, your unpublished drafts, your AI-training rights forever — and caps your legal recovery at $100 .
72 out of 100
They say
“Annual, paid monthly” — presented like a monthly subscription.
The terms say
It's actually a year-long contract: cancel after 14 days and you owe 50% of the remaining balance — the presentation the FTC sued over. Adobe paid $150M.
Checked since: the settlement was $75 million in penalties and $75 million in free services, a proposed order, not $150 million paid in cash.
54 out of 100
They say
“If it was opt-in, nobody would opt-in,” Twitch’s CPO admitted, on why AI training is opt-out instead of opt-in.
The terms say
The Privacy Notice makes it official: “This includes using data to develop or deploy our generative AI models and services.” Your streams feed Amazon’s AI unless you hunt down the buried toggle.
53 out of 100
They say
The privacy policy’s TL;DR: “privacy is a right.”
The terms say
Reddit requires third parties to pay licensing fees for bulk access to user posts — to train AI models. Your words are a product they sell.
49 out of 100
They say
“We don't sell your data.”
The terms say
Literally true, functionally hollow. Meta just shares your device identifier with marketing vendors instead — vendors who track and categorize everything you do — while Meta Pixel partners feed it data whether or not you even have an account.
21 findings in 12 profiles, read again against the company's own document or a regulator's announcement.
Checking changes things. The draft said Adobe paid $150 million. The DOJ announced a proposed order: half penalties, half free services.
Thousands of words of terms go in. A handful of clauses come out, each in plain English, each counted against one of six categories.
Read. The terms of use, the privacy notice, the membership or subscription rules, straight from the company's site.
Translate. Quote the clause, then say in one or two sentences what it does to you, and link the source.
Score. Count each finding against its category. Fair points are written down too, even for the worst.
| Category | The question | Points |
|---|---|---|
| Arbitration | Can you still sue them, or do the terms force private arbitration and kill class actions? | 20 |
| Renewals | Does your plan auto-renew? Do they make it easy to cancel — or a maze, or expensive? | 20 |
| Data sharing | Do vendors, brokers, or advertisers get your data — sold, shared, or “shared for ads”? | 20 |
| Price & terms | Can they change prices or terms whenever they want, with just a posted notice — or no notice? | 15 |
| Data retention | When you leave or delete things, how much of your data and content do they keep anyway? | 15 |
| Other findings | One-off finds: weird waivers, $100 liability caps, exposure-by-default, the wild cards. | 10 |
| Total | The rubric is the original draft's. It does not yet say how each single point is given. | 100 |
Send the company and a link to its terms. We read the document, quote it, and add the company if the clause holds up.
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