| Arbitration | A non-judicial proceeding wherein the facts of a dispute are heard and a binding decision is rendered by a person or panel who are not judges. The decision to arbitrate a dispute and the terms and rules of the arbitration are often drafted by the person/company whose provisions establish it as the way to resolve the dispute. |
| Check fees | A policy wherein extra fees are charged if payment is made by check. Also a policy wherein extra fees are charged if a check is returned for insufficient funds. |
| Disclaimer of Warranties | An oral or written statement aimed at limiting the seller’s liability for defects in the goods sold. |
| Full access to your payment option | A policy where the company acknowledges there may be alternative payment arrangements which may be more advantageous but are not disclosed. |
| Hidden fees | A policy wherein the consumer is charged fees above and beyond the initial purchase price. This often takes the form of recurring charges. |
| Indemnification | An agreement that provides for one party to bear the monetary costs, either directly or by reimbursement, for losses incurred by a second party. |
| International venue | The place and laws of a country or territory outside of the United States will be used to resolve any dispute. |
| No refund | A policy which does not allow refunds under any circumstances. |
| No return policy | A policy which does not allow you to return the services and or products you have purchased. |
| Non-refundable fees | A policy that once you sign up for a service and/or purchase a product you incur certain fees which are nonrefundable. |
| Payment options non-cancelable | A policy that once you sign up for the service and/or purchase a product you no longer have the right to receive a refund. |
| Recurring charges | These refer to expenses that will be charged to you repeatedly in the future. You may or may not be notified in advance, or given the opportunity to cancel. You may have to take the initiative to make any changes. |
| Review pricing | A suggestion that there may be fees , charges and/or changes in the advertised price of a good or service. |
| Review privacy policy | A websites privacy policy may include terms which are unfavorable to the consumer and should be further reviewed. |
| Shares personal info | A policy allowing the company to whom you give your personal information to use it for any number of purposes including passing it along to other companies, etc. |
| Substitution policy | A policy wherein the company from whom you purchase a good or service has the right to provide you with a substitute good or service without your consent. |
| Take info w/o notification | A policy allowing the company to whom you give your personal information to save it and use it without notifying you. |
| Terms appear after sign up | A process where you are required to give all your information and sign up for the services being offered before being afforded a chance to review the terms and conditions. |
| Timeless right to information | A policy allowing the company to whom you give your personal information to save it indefinitely. |