Arbitration, with a local small-claims option
For U.S. residents, the agreement contains binding arbitration and a class-action waiver. It allows qualifying individual small-claims cases in the customer’s county of residence.
Context and exceptions. Section 15 also allows rejection of future arbitration changes, other than address changes, by signed postal notice within 30 days. That is not a general opt-out of the initial agreement.
Arbitration. Microsoft Services Agreement, §15