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Contract X-Ray — what's buried in the fine print
3 red flags · 1 filed doc
Detected in the CFPB-filed cardholder agreements from CoinX, Inc.. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Forced arbitration with no opt-out found — you likely can't take this issuer to court, and there's no way to reject it.
Forced arbitration
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…r services. Purchases made through the personal concierge/butler service are not guaranteed or covered for inadequate service under the Accounts. 31. Arbitration Provision. This Arbitration Provision sets forth the circumstances and procedures under which Claims (as defined below) shall be arbitrated instead of litigate…”
You can't band together with other cardholders in a class action.
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“…EXCEPT AS PROVIDED FOR IN THE CODE OF PROCEDURES OF JAMS OR AAA, AS APPLICABLE (THE CODE ). FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. THE ARBITRATOR SHALL NOT CONDUCT A CLASS ARBITRATION OR A JO…”
The issuer reserves the right to change your rates, fees and terms at any time.
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“…rnmental agency, whether local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. 28. Amendment and Cancellation. We may amend or change the terms and conditions of this Agreement at any time. You will be notified of any change in the manner provided by applicable law before the effective date of the change. However, if the change is made…”