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You can opt out of this issuer's forced arbitration
Goldman Sachs Bank USA's agreement lets you reject arbitration and keep your right to sue — usually within a short window after opening the account. You have to send it in writing. Here's the language from the filed agreement:
“…S TO BE ARBITRATED AND FORBIDS CLASS ACTIONS UNLESS YOU (1) ARE SUBJECT TO THE PROTECTIONS OF THE MILITARY LENDING ACT OR (2) EXERCISE YOUR RIGHT TO REJECT ARBITRATION AS PROVIDED IN THE ARBITRATION PROVISION, WHICH IS SET FORTH AT THE END OF THIS AGREEMENT. Important Definitions This section defines some important terms used in this Agreement. Account means the Apple Card consumer credit account issued by the Bank, opened for you under this Agreement. This is also referred to as your Apple Card Account. Apple means Apple Inc. and its affiliates, including Apple Payments Services LLC (a service provider to Bank). Apple Account means the account you have with Apple for use with Apple products and services, including iCloud. Apple Cash means the prepaid debit card offered by Green Dot Bank. The Apple Cash card is accessible through Apple Wallet and can be used to send money to individuals,…”
Detected in the CFPB-filed cardholder agreements from Goldman Sachs Bank USA. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Forced arbitration
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…ACTIONS UNLESS YOU (1) ARE SUBJECT TO THE PROTECTIONS OF THE MILITARY LENDING ACT OR (2) EXERCISE YOUR RIGHT TO REJECT ARBITRATION AS PROVIDED IN THE ARBITRATION PROVISION, WHICH IS SET FORTH AT THE END OF THIS AGREEMENT. Important Definitions This section defines some important terms used in this Agreement. Account mea…”
You can't band together with other cardholders in a class action.
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“…his arbitration provision may not be joined or consolidated in arbitration with any Claim of any other person or be arbitrated on a class basis, in a representative capacity on behalf of the general public, or on behalf of any other person, unless otherwise agreed to by the parties in writing. Claims by or against corpora…”
The issuer reserves the right to change your rates, fees and terms at any time.
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“…we may not receive your message and may not be able to respond in a timely manner, or at all. CHANGES TO THIS AGREEMENT Subject to applicable law, we may change any term of this Agreement, or add new provisions, at any time in our sole discretion. If we are required by law to provide you with notice of any changes to this Agreement, we may do so in accordance with the "E…”
The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.
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“…IRES CLAIMS TO BE ARBITRATED AND FORBIDS CLASS ACTIONS UNLESS YOU (1) ARE SUBJECT TO THE PROTECTIONS OF THE MILITARY LENDING ACT OR (2) EXERCISE YOUR RIGHT TO REJECT ARBITRATION AS PROVIDED IN THE ARBITRATION PROVISION, WHICH IS SET FORTH AT THE END OF THIS AGREEMENT. Important Definitions This section defines some importa…”