Consumer Rights Wiki - User contributions [en]

User talk:Svenfulen

2025-10-04T03:12:31Z

Svenfulen: /* Smartyplus */ new section

== Smartyplus ==

I have created an article for Smartyplus. It is difficult to find information about this company and what companies are associated, so I started a stub page. Smartyplus often comes bundled in checkout pages for online shopping, you'll get a notice that claims you will get a reward by clicking OK. however, the customer never gets anything, and their credit card information is essentially stolen by smartyplus and charged a fee in exchange for literally nothing. Many legitimate businesses include this Sin their checkout, such as AMC and Victoria's Secret. [[User:Svenfulen|Svenfulen]] ([[User talk:Svenfulen|talk]]) 03:12, 4 October 2025 (UTC)

Discord

2025-09-29T23:08:06Z

Svenfulen: citation for discord's terms of service.

{{ToneWarning}}

'''Discord''' is a proprietary VoIP and instant-messaging platform developed by Discord Inc. (formerly Hammer & Chisel, Inc.), co-founded by Jason Citron and Stanislav Vishnevskiy.<ref>{{Cite web |last=Gonzalez |first=Guadalupe |date=3 May 2018 |title=There Are 2.6 Billion Online Gamers in the World. This Startup Just May Connect Them All |url=https://www.inc.com/guadalupe-gonzalez/30-under-30-2018-discord.html |url-status=live |archive-url=https://web.archive.org/web/20180503131556/https://www.inc.com/guadalupe-gonzalez/30-under-30-2018-discord.html |archive-date=3 May 2018 |access-date=13 Jul 2025 |website=Inc.}}</ref> Launched in 2015, the service has grown to over 150 million monthly active users as of 2025. While initially marketed toward PC gamers, Discord has expanded to multiple platforms, serving various communities and use cases, such as education.<ref name="about-company">{{Cite web |date=15 Apr 2024 |title=About Discord <nowiki>|</nowiki> Our Mission and Values |url=https://discord.com/company/ |url-status=live |archive-url=https://web.archive.org/web/20250608013037/https://discord.com/company |archive-date=8 Jun 2025 |access-date=13 Jul 2025 |website=Discord}}</ref>

In April 2025, Humam Sakhnini (formerly King, Activision Blizzard) replaced Jason Citron as CEO.<ref>{{Cite web |title=Discord Appoints Humam Sakhnini as Chief Executive Officer |url=https://discord.com/press-releases/discord-appoints-new-ceo-humam-sakhnini}}</ref> {{InfoboxCompany
| Name = Discord Inc.
| Type = Private
| Founded = 2015
| Industry = Software
| Official Website = https://discord.com
| Logo = Discord.svg
}}

==Consumer Impact Summary==

===Privacy<ref name="terms-of-service3">[https://discord.com/terms/ "Discord's Terms of Service"]. April 15, 2024. ''Discord''. Retrieved January 16, 2025.</ref>===
Mentioned within the '''Discord TOS<ref name="terms-of-service3" />''' and '''Privacy Policy''':<ref name="privacy-policy3">[https://discord.com/privacy/ "Discord Privacy Policy"]. April 15, 2024. ''Discord''. Retrieved January 16, 2025.</ref><ref name="community-guidelines2">[https://discord.com/guidelines/ "Discord Community Guidelines"]. April 15, 2024. ''Discord''. Retrieved January 16, 2025.</ref>
*Collects extensive user data, including messages, voice communications, and server participation.
*Claims broad rights to user-generated content.
*Deleted messages are stored for undefined periods.
*Retains personal information until deemed "no longer needed" with undefined retention periods.
*Processes user content for "safety features and platform improvement".
*Shares data with related companies, vendors, and third-party service providers.
*Opt-out behavioral tracking across platform features for personalization.
*Maintains logs of IP addresses and device information for an undetermined amount of time, flags any user who has ever signed in with an EU IP address for inclusion within DSA transparency reports
*Sends a web request when any UI element is clicked & when typing
*A phone number is randomly required, and the account will be locked until a phone number is added, regardless of account age or recent activity. The account will be automatically locked if the phone number is removed.

===Freedom===
Mentioned within the '''Discord TOS<ref name="terms-of-service3" />''' and '''Privacy Policy''':<ref name="privacy-policy3" />
*Mandatory [[Forced Arbitration|binding arbitration]] with [[class action|class-action]] waiver for U.S. users (Started 15 May 2024).
*Users grant a perpetual, transferable license to their content.
*Users must accept the broad terms of service that allow unilateral changes.
*Accounts can be terminated without prior notice at Discord's discretion.

*No option to opt out of core data collection while using the service.
*Content may be retained by Discord even after deletion.
*Server owners have limited recourse if their servers are banned.
*Forced to use Discord's payment processing for all monetary transactions.

===Transparency===
Mentioned within the '''Discord Privacy Policy'''<ref name="privacy-policy3" /> and '''Community Guidelines''':<ref name="community-guidelines2" />
*Unclear processes for handling law enforcement requests.
*Vague about specific data retention time frames.
*Limited transparency regarding content moderation decisions.<ref name=":0">{{Cite web |title=BBB - Discord, Inc. |url=https://www.bbb.org/us/ca/san-francisco/profile/computer-software/discord-inc-1116-918699 |access-date=Aug 2, 2025 |website=[[Better Business Bureau]]}}</ref><ref name=":1">{{Cite web |title=Trustpilot - Discord |url=https://www.trustpilot.com/review/discord.com |access-date=Aug 2, 2025 |website=Trustpilot}}</ref>
**In some instances, the offending content is not shown to the user, nor any metadata, filenames, timestamps, or even the originating channel.
**No limits or restrictions on the age of content (e.g., users can be suspended due to something sent 1500 days ago)
*Server ban appeals process lacks transparency.<ref name=":0" /><ref name=":1" />
*Limited disclosure of recommendation algorithm factors.
*No clear disclosure of how the content is used for platform improvement.
==Consumer-protection incidents==
===C data collection investigation (Sep. 2024)===
In September 2024, the [[Federal Trade Commission]] (FTC) released a comprehensive report examining Discord's data-collection practices as part of a broader investigation into social-media platforms.<ref><templatestyles src="Module:Citation/CS1/styles.css"></templatestyles><cite class="citation web cs1">[https://www.ftc.gov/system/files/ftc_gov/pdf/Social-Media-6b-Report-9-11-2024.pdf "A Look Behind the Screens: Examining the Data Practices of Social Media and Video Streaming Services"] (PDF). ''Federal Trade Commission''. 11 Sep 2024. [https://web.archive.org/web/20240919133855/https://www.ftc.gov/system/files/ftc_gov/pdf/Social-Media-6b-Report-9-11-2024.pdf Archived] (PDF) from the original on 19 Sep 2024. Retrieved 13 Jul 2025.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Federal+Trade+Commission&rft.atitle=A+Look+Behind+the+Screens%3A+Examining+the+Data+Practices+of+Social+Media+and+Video+Streaming+Services&rft.date=2024-09-11&rft_id=https%3A%2F%2Fwww.ftc.gov%2Fsystem%2Ffiles%2Fftc_gov%2Fpdf%2FSocial-Media-6b-Report-9-11-2024.pdf&rfr_id=info%3Asid%2Fconsumerrights.wiki%3ADiscord" class="Z3988"></ref>

The investigation revealed Discord collects extensive user data, including:
*Message content and metadata
*Voice-chat participation
*Server membership and activity
*Device and location information
Particular concern was raised about:
*Collection of data from users under 13
*Handling of minor user information
*Inadequate age-verification systems
The FTC identified multiple areas where Discord's practices put users at risk:
*Identity-theft exposure
*Potential stalking risks
*Discrimination concerns
*Mental health and emotional impact

The FTC concluded that Discord's data practices created unacceptable risks for users, particularly minors, and called for significant reforms to the platform's privacy protection measures.<ref><templatestyles src="Module:Citation/CS1/styles.css"></templatestyles><cite id="CITEREFTolentino2024" class="citation web cs1">Tolentino, Daysia (19 Sep 2024). [https://www.nbcnews.com/tech/security/social-media-companies-engaged-vast-surveillance-ftc-finds-calling-sta-rcna171814 "Social media companies engaged in 'vast surveillance,' FTC finds, calling status quo 'unacceptable'"]. ''NBC News''. [https://web.archive.org/web/20240919171049/https://www.nbcnews.com/tech/security/social-media-companies-engaged-vast-surveillance-ftc-finds-calling-sta-rcna171814 Archived] from the original on 19 Sep 2024. Retrieved 13 Jul 2025.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=NBC+News&rft.atitle=Social+media+companies+engaged+in+%27vast+surveillance%2C%27+FTC+finds%2C+calling+status+quo+%27unacceptable%27&rft.date=2024-09-19&rft.aulast=Tolentino&rft.aufirst=Daysia&rft_id=https%3A%2F%2Fwww.nbcnews.com%2Ftech%2Fsecurity%2Fsocial-media-companies-engaged-vast-surveillance-ftc-finds-calling-sta-rcna171814&rfr_id=info%3Asid%2Fconsumerrights.wiki%3ADiscord" class="Z3988"></ref>

===Introduction of forced arbitration (Mar. 2024)===
In March 2024, Discord users were notified via email that [[Forced Arbitration|forced arbitration]] would be added to the [[Terms of Service|terms of service]] , effective 15 April 2024. Users could opt out by sending an 'opt-out notice' to arbitration-opt-out@discord.com within the thirty days preceding 15 April 2024 or by registering their first account.'''<ref name="terms-of-service3" />'''
[[File:Discord Forced Arbitration 1.png|alt=An example of Discord forcing users to agree to arbitration if they want to continue using the application.|thumb|(2025-09-29) An example of Discord forcing users to agree to arbitration if they want to continue using the application. The terms of service at the time of this screenshot includes forced arbitration and disallows users from filing a class-action lawsuit.<ref>{{Cite web |last=Discord |date=2025-09-29 |title=Terms of Service {{!}} Discord |url=https://discord.com/terms |url-status=live |access-date=2025-09-29 |website=Discord}}</ref>]]

===Child safety concerns (Jun. 2023)===
An [[wikipedia:NBC News|NBC News]] investigation in June 2023<ref><templatestyles src="Module:Citation/CS1/styles.css"></templatestyles><cite id="CITEREFGoggin2023" class="citation web cs1">Goggin, Ben (21 Jun 2023). [https://www.nbcnews.com/tech/social-media/discord-child-safety-social-platform-challenges-rcna89769 "Child predators are using Discord, a popular app among teens, for sextortion and abductions"]. ''NBC News''. [https://web.archive.org/web/20230621152318/https://www.nbcnews.com/tech/social-media/discord-child-safety-social-platform-challenges-rcna89769 Archived] from the original on 21 Jun 2023. Retrieved 13 Jul 2025.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=NBC+News&rft.atitle=Child+predators+are+using+Discord%2C+a+popular+app+among+teens%2C+for+sextortion+and+abductions&rft.date=2023-06-21&rft.aulast=Goggin&rft.aufirst=Ben&rft_id=https%3A%2F%2Fwww.nbcnews.com%2Ftech%2Fsocial-media%2Fdiscord-child-safety-social-platform-challenges-rcna89769&rfr_id=info%3Asid%2Fconsumerrights.wiki%3ADiscord" class="Z3988"></ref> uncovered widespread child-safety issues on Discord, revealing systemic problems with the platform's user protection measures.

Investigators identified 35 separate cases where adults were criminally charged with "kidnapping, grooming, or sexual assault" involving contacts initiated through Discord. Additionally, 165 criminal prosecutions involving the sharing of child sexual exploitation material on the platform were documented.

===Irresponsible moderation practices===
{{Main|Discord's irresponsible moderation}}
[[File:Discord Vague Infringement example.png|thumb|An example of how Discord handles its moderation from a user's perspective.]]
Reported countlessly by users on the BBB<ref name=":0" />, Trustpilot <ref name=":1" /> and a dedicated subreddit<ref>{{Cite web |title=/r/BannedFromDiscord |url=https://old.reddit.com/r/BannedFromDiscord/}}</ref> users have complained about how Discord's moderation is extremely vague. One such user reported their account being banned from the BBB,<ref>{{Cite web |last=Mir |first=Zain |date=Jul 23, 2025 |title=BBB Complaint |url=https://www.bbb.org/us/ca/san-francisco/profile/computer-software/discord-inc-1116-918699/complaints?page=2#1116_918699_23643523 |access-date=Aug 1, 2025 |website=Better Business Bureau}}</ref> with an automated system handling the entire process, replying only with templates, without having a human involved in the appeal process.

==References==
<references />

[[Category:Discord]]
[[Category:Forced Arbitration]]

Discord

2025-09-29T22:58:50Z

Svenfulen: /* Introduction of forced arbitration (Mar. 2024) */

{{ToneWarning}}

'''Discord''' is a proprietary VoIP and instant-messaging platform developed by Discord Inc. (formerly Hammer & Chisel, Inc.), co-founded by Jason Citron and Stanislav Vishnevskiy.<ref>{{Cite web |last=Gonzalez |first=Guadalupe |date=3 May 2018 |title=There Are 2.6 Billion Online Gamers in the World. This Startup Just May Connect Them All |url=https://www.inc.com/guadalupe-gonzalez/30-under-30-2018-discord.html |url-status=live |archive-url=https://web.archive.org/web/20180503131556/https://www.inc.com/guadalupe-gonzalez/30-under-30-2018-discord.html |archive-date=3 May 2018 |access-date=13 Jul 2025 |website=Inc.}}</ref> Launched in 2015, the service has grown to over 150 million monthly active users as of 2025. While initially marketed toward PC gamers, Discord has expanded to multiple platforms, serving various communities and use cases, such as education.<ref name="about-company">{{Cite web |date=15 Apr 2024 |title=About Discord <nowiki>|</nowiki> Our Mission and Values |url=https://discord.com/company/ |url-status=live |archive-url=https://web.archive.org/web/20250608013037/https://discord.com/company |archive-date=8 Jun 2025 |access-date=13 Jul 2025 |website=Discord}}</ref>

In April 2025, Humam Sakhnini (formerly King, Activision Blizzard) replaced Jason Citron as CEO.<ref>{{Cite web |title=Discord Appoints Humam Sakhnini as Chief Executive Officer |url=https://discord.com/press-releases/discord-appoints-new-ceo-humam-sakhnini}}</ref> {{InfoboxCompany
| Name = Discord Inc.
| Type = Private
| Founded = 2015
| Industry = Software
| Official Website = https://discord.com
| Logo = Discord.svg
}}

==Consumer Impact Summary==

===Privacy<ref name="terms-of-service3">[https://discord.com/terms/ "Discord's Terms of Service"]. April 15, 2024. ''Discord''. Retrieved January 16, 2025.</ref>===
Mentioned within the '''Discord TOS<ref name="terms-of-service3" />''' and '''Privacy Policy''':<ref name="privacy-policy3">[https://discord.com/privacy/ "Discord Privacy Policy"]. April 15, 2024. ''Discord''. Retrieved January 16, 2025.</ref><ref name="community-guidelines2">[https://discord.com/guidelines/ "Discord Community Guidelines"]. April 15, 2024. ''Discord''. Retrieved January 16, 2025.</ref>
*Collects extensive user data, including messages, voice communications, and server participation.
*Claims broad rights to user-generated content.
*Deleted messages are stored for undefined periods.
*Retains personal information until deemed "no longer needed" with undefined retention periods.
*Processes user content for "safety features and platform improvement".
*Shares data with related companies, vendors, and third-party service providers.
*Opt-out behavioral tracking across platform features for personalization.
*Maintains logs of IP addresses and device information for an undetermined amount of time, flags any user who has ever signed in with an EU IP address for inclusion within DSA transparency reports
*Sends a web request when any UI element is clicked & when typing
*A phone number is randomly required, and the account will be locked until a phone number is added, regardless of account age or recent activity. The account will be automatically locked if the phone number is removed.

===Freedom===
Mentioned within the '''Discord TOS<ref name="terms-of-service3" />''' and '''Privacy Policy''':<ref name="privacy-policy3" />
*Mandatory [[Forced Arbitration|binding arbitration]] with [[class action|class-action]] waiver for U.S. users (Started 15 May 2024).
*Users grant a perpetual, transferable license to their content.
*Users must accept the broad terms of service that allow unilateral changes.
*Accounts can be terminated without prior notice at Discord's discretion.

*No option to opt out of core data collection while using the service.
*Content may be retained by Discord even after deletion.
*Server owners have limited recourse if their servers are banned.
*Forced to use Discord's payment processing for all monetary transactions.

===Transparency===
Mentioned within the '''Discord Privacy Policy'''<ref name="privacy-policy3" /> and '''Community Guidelines''':<ref name="community-guidelines2" />
*Unclear processes for handling law enforcement requests.
*Vague about specific data retention time frames.
*Limited transparency regarding content moderation decisions.<ref name=":0">{{Cite web |title=BBB - Discord, Inc. |url=https://www.bbb.org/us/ca/san-francisco/profile/computer-software/discord-inc-1116-918699 |access-date=Aug 2, 2025 |website=[[Better Business Bureau]]}}</ref><ref name=":1">{{Cite web |title=Trustpilot - Discord |url=https://www.trustpilot.com/review/discord.com |access-date=Aug 2, 2025 |website=Trustpilot}}</ref>
**In some instances, the offending content is not shown to the user, nor any metadata, filenames, timestamps, or even the originating channel.
**No limits or restrictions on the age of content (e.g., users can be suspended due to something sent 1500 days ago)
*Server ban appeals process lacks transparency.<ref name=":0" /><ref name=":1" />
*Limited disclosure of recommendation algorithm factors.
*No clear disclosure of how the content is used for platform improvement.
==Consumer-protection incidents==
===C data collection investigation (Sep. 2024)===
In September 2024, the [[Federal Trade Commission]] (FTC) released a comprehensive report examining Discord's data-collection practices as part of a broader investigation into social-media platforms.<ref><templatestyles src="Module:Citation/CS1/styles.css"></templatestyles><cite class="citation web cs1">[https://www.ftc.gov/system/files/ftc_gov/pdf/Social-Media-6b-Report-9-11-2024.pdf "A Look Behind the Screens: Examining the Data Practices of Social Media and Video Streaming Services"] (PDF). ''Federal Trade Commission''. 11 Sep 2024. [https://web.archive.org/web/20240919133855/https://www.ftc.gov/system/files/ftc_gov/pdf/Social-Media-6b-Report-9-11-2024.pdf Archived] (PDF) from the original on 19 Sep 2024. Retrieved 13 Jul 2025.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Federal+Trade+Commission&rft.atitle=A+Look+Behind+the+Screens%3A+Examining+the+Data+Practices+of+Social+Media+and+Video+Streaming+Services&rft.date=2024-09-11&rft_id=https%3A%2F%2Fwww.ftc.gov%2Fsystem%2Ffiles%2Fftc_gov%2Fpdf%2FSocial-Media-6b-Report-9-11-2024.pdf&rfr_id=info%3Asid%2Fconsumerrights.wiki%3ADiscord" class="Z3988"></ref>

The investigation revealed Discord collects extensive user data, including:
*Message content and metadata
*Voice-chat participation
*Server membership and activity
*Device and location information
Particular concern was raised about:
*Collection of data from users under 13
*Handling of minor user information
*Inadequate age-verification systems
The FTC identified multiple areas where Discord's practices put users at risk:
*Identity-theft exposure
*Potential stalking risks
*Discrimination concerns
*Mental health and emotional impact

The FTC concluded that Discord's data practices created unacceptable risks for users, particularly minors, and called for significant reforms to the platform's privacy protection measures.<ref><templatestyles src="Module:Citation/CS1/styles.css"></templatestyles><cite id="CITEREFTolentino2024" class="citation web cs1">Tolentino, Daysia (19 Sep 2024). [https://www.nbcnews.com/tech/security/social-media-companies-engaged-vast-surveillance-ftc-finds-calling-sta-rcna171814 "Social media companies engaged in 'vast surveillance,' FTC finds, calling status quo 'unacceptable'"]. ''NBC News''. [https://web.archive.org/web/20240919171049/https://www.nbcnews.com/tech/security/social-media-companies-engaged-vast-surveillance-ftc-finds-calling-sta-rcna171814 Archived] from the original on 19 Sep 2024. Retrieved 13 Jul 2025.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=NBC+News&rft.atitle=Social+media+companies+engaged+in+%27vast+surveillance%2C%27+FTC+finds%2C+calling+status+quo+%27unacceptable%27&rft.date=2024-09-19&rft.aulast=Tolentino&rft.aufirst=Daysia&rft_id=https%3A%2F%2Fwww.nbcnews.com%2Ftech%2Fsecurity%2Fsocial-media-companies-engaged-vast-surveillance-ftc-finds-calling-sta-rcna171814&rfr_id=info%3Asid%2Fconsumerrights.wiki%3ADiscord" class="Z3988"></ref>

===Introduction of forced arbitration (Mar. 2024)===
In March 2024, Discord users were notified via email that [[Forced Arbitration|forced arbitration]] would be added to the [[Terms of Service|terms of service]] , effective 15 April 2024. Users could opt out by sending an 'opt-out notice' to arbitration-opt-out@discord.com within the thirty days preceding 15 April 2024 or by registering their first account.'''<ref name="terms-of-service3" />'''
[[File:Discord Forced Arbitration 1.png|alt=An example of Discord forcing users to agree to arbitration if they want to continue using the application.|thumb|(2025-09-29) An example of Discord forcing users to agree to arbitration if they want to continue using the application. The terms of service at the time of this screenshot includes forced arbitration and disallows users from filing a class-action lawsuit.]]

===Child safety concerns (Jun. 2023)===
An [[wikipedia:NBC News|NBC News]] investigation in June 2023<ref><templatestyles src="Module:Citation/CS1/styles.css"></templatestyles><cite id="CITEREFGoggin2023" class="citation web cs1">Goggin, Ben (21 Jun 2023). [https://www.nbcnews.com/tech/social-media/discord-child-safety-social-platform-challenges-rcna89769 "Child predators are using Discord, a popular app among teens, for sextortion and abductions"]. ''NBC News''. [https://web.archive.org/web/20230621152318/https://www.nbcnews.com/tech/social-media/discord-child-safety-social-platform-challenges-rcna89769 Archived] from the original on 21 Jun 2023. Retrieved 13 Jul 2025.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=NBC+News&rft.atitle=Child+predators+are+using+Discord%2C+a+popular+app+among+teens%2C+for+sextortion+and+abductions&rft.date=2023-06-21&rft.aulast=Goggin&rft.aufirst=Ben&rft_id=https%3A%2F%2Fwww.nbcnews.com%2Ftech%2Fsocial-media%2Fdiscord-child-safety-social-platform-challenges-rcna89769&rfr_id=info%3Asid%2Fconsumerrights.wiki%3ADiscord" class="Z3988"></ref> uncovered widespread child-safety issues on Discord, revealing systemic problems with the platform's user protection measures.

Investigators identified 35 separate cases where adults were criminally charged with "kidnapping, grooming, or sexual assault" involving contacts initiated through Discord. Additionally, 165 criminal prosecutions involving the sharing of child sexual exploitation material on the platform were documented.

===Irresponsible moderation practices===
{{Main|Discord's irresponsible moderation}}
[[File:Discord Vague Infringement example.png|thumb|An example of how Discord handles its moderation from a user's perspective.]]
Reported countlessly by users on the BBB<ref name=":0" />, Trustpilot <ref name=":1" /> and a dedicated subreddit<ref>{{Cite web |title=/r/BannedFromDiscord |url=https://old.reddit.com/r/BannedFromDiscord/}}</ref> users have complained about how Discord's moderation is extremely vague. One such user reported their account being banned from the BBB,<ref>{{Cite web |last=Mir |first=Zain |date=Jul 23, 2025 |title=BBB Complaint |url=https://www.bbb.org/us/ca/san-francisco/profile/computer-software/discord-inc-1116-918699/complaints?page=2#1116_918699_23643523 |access-date=Aug 1, 2025 |website=Better Business Bureau}}</ref> with an automated system handling the entire process, replying only with templates, without having a human involved in the appeal process.

==References==
<references />

[[Category:Discord]]
[[Category:Forced Arbitration]]

File:Discord Forced Arbitration 1.png

2025-09-29T22:55:41Z

Svenfulen:

An example of the Discord app giving users no option to disagree to their terms of service, including but not limited to forced arbitration.

Smartyplus

2025-09-17T14:10:55Z

Svenfulen: added some available evidence of the patterns used by smartyplus

{{CompanyCargo
|Founded=2019-09-01
|Type=Private
|Website=https://www.smartyplus.net/
|Description=SmartyPlus is a service offering coupon/cashback benefits and shipping perks in exchange for a membership fee.
}}'''SmartyPlus''' is a service offering coupon/cashback benefits and shipping perks in exchange for a membership fee.

==Consumer-impact summary==
In many reported cases, consumers attempting to complete a purchase on an unrelated retail or service website are presented with a pop-up, checkbox, or “special offer” that signs them up for SmartyPlus. Sometimes this occurs in the final checkout page, where users provide payment details.

==Incidents==
This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the [[:Category:{{FULLPAGENAME}}|{{PAGENAME}} category]].
===Class-action lawsuit (2024-01-22)===
As in the class action ''“Cashback Service Smarty Charges Consumers for Unwanted Monthly Subscriptions”'', one plaintiff alleged that she cancelled during a 14-day trial but was still charged for two more months. <ref>{{Cite web |last=McCroskey |first=Kelsey |date=2024-01-22 |title=Cashback Service Smarty Charges Consumers for Unwanted Monthly Subscriptions, Class Action Alleges |url=https://www.classaction.org/news/cashback-service-smarty-charges-consumers-for-unwanted-monthly-subscriptions-class-action-alleges |url-status=live |website=classaction.org}}</ref>

=== Consumer Complaints Filed with the BBB ===
A large number of complaints against SmartyPlus have been filed with the ''Better Business Bureau (BBB)''. These consumer accounts consistently describe confusion over how the subscription was initiated, difficulty identifying the charges, and challenges in stopping payments.<ref>{{Cite web |date=2025-09-17 |title=Smarty {{!}} BBB Complaints |url=https://www.bbb.org/us/ca/sherman-oaks/profile/coupon-service/smarty-llc-1216-1290522/complaints |access-date=2025-09-17 |website=Better Business Bureau}}</ref>

==Products==
{{Ph-C-P}}

==See also==
{{Ph-C-SA}}

==References==
{{reflist}}

[[Category:{{PAGENAME}}]]

Smartyplus

2025-09-17T13:57:04Z

Svenfulen: added some basic information about smartyplus

Smartyplus

2025-09-17T13:52:48Z

Svenfulen: started stub page for smartyplus

{{CompanyCargo
|Founded=2019-09-01
|Type=Private
|Website=https://www.smartyplus.net/
|Description=SmartyPlus is a service offering coupon/cashback benefits and shipping perks in exchange for a membership fee.
}}
{{Ph-C-Int}}

==Consumer-impact summary==
{{Ph-C-CIS}}

==Incidents==
{{Ph-C-Inc}}

This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the [[:Category:{{FULLPAGENAME}}|{{PAGENAME}} category]].
===Example incident one (''date'')===
{{Main|link to the main CR Wiki article}}
Short summary of the incident (could be the same as the summary preceding the article).
===Example incident two (''date'')===
...

==Products==
{{Ph-C-P}}

==See also==
{{Ph-C-SA}}

==References==
{{reflist}}

[[Category:{{PAGENAME}}]]

User:Svenfulen

2025-01-14T22:19:44Z

Svenfulen: Created page with "# Reading articles and looking for some way to help :)"

# Reading articles and looking for some way to help :)