You Need A Budget: Difference between revisions
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===User Freedom=== | ===User Freedom=== | ||
In order to use YNAB's service, users must agree to the YNAB [[Terms of Service]], which, as of April 9th, 2026, includes agreeing to a mandatory [[Forced arbitration|binding arbitration]] with [[Class action|class-action]] and jury trial waiver for any users not based in the UK, Switzerland or European Economic areas. The terms outline a 30-day period available to such users after agreement to opt out of losing this right by emailing the company at their legal support email address. | In order to use YNAB's service, users must agree to the YNAB [[Terms of Service]]<ref name="terms-of-service">{{Cite web |date=2026-04-09 |title=YNAB Terms of Service |url=https://www.ynab.com/terms |url-status=live |archive-url=https://web.archive.org/web/20260415171655/https://www.ynab.com/terms |archive-date=2026-04-15 |access-date=2026-04-15 |website=You Need A Budget}}</ref>, which, as of April 9th, 2026, includes agreeing to a mandatory [[Forced arbitration|binding arbitration]] with [[Class action|class-action]] and jury trial waiver for any users not based in the UK, Switzerland or European Economic areas. The terms outline a 30-day period available to such users after agreement to opt out of losing this right by emailing the company at their legal support email address. | ||
==Incidents== | ==Incidents== | ||
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===Forced arbitration clause update to ToS (''April 2026'')=== | ===Forced arbitration clause update to ToS (''April 2026'')=== | ||
On April 9th, 2026, YNAB made updates to their [[Terms of Service]], which included a [[forced arbitration]] clause stipulating a 30-day window to opt out after accepting the terms by emailing YNAB's legal support email address.<ref | On April 9th, 2026, YNAB made updates to their [[Terms of Service]], which included a [[forced arbitration]] clause stipulating a 30-day window to opt out after accepting the terms by emailing YNAB's legal support email address.<ref name="terms-of-service"></ref> An email outlining the new changes was sent to existing users on the 13th, prompting some users to post and discuss the included arbitration notice on the "r/ynab" community forum on [[Reddit]]. The notice read: | ||
[[File:YNAB Email Forced Arbitration Section.webp|alt=YNAB Email's ToS update notice|thumb|YNAB Email's notice of mandatory arbitration update to ToS]] | [[File:YNAB Email Forced Arbitration Section.webp|alt=YNAB Email's ToS update notice|thumb|YNAB Email's notice of mandatory arbitration update to ToS]] | ||
<blockquote>'''Dispute resolution:''' In our Terms of Service, we're moving to arbitration for dispute resolution. This means if we ever have a legal disagreement, it would be resolved by a neutral arbitrator instead of a court or jury, and we'd each bring claims individually rather than as part of a class action. If you prefer to keep your right to go to court, you can opt out by emailing [email protected] within 30 days. Opting out won't affect your account or service in any way.<ref>{{Cite web |date=2026-04-13 |title=Gross, but typical changes to T's & C's |author=u/samebutanon |url=https://old.reddit.com/r/ynab/comments/1skkzeg/gross_but_typical_changes_to_ts_cs/ |url-status=live |archive-url=https://web.archive.org/web/20260415213053/https://old.reddit.com/r/ynab/comments/1skkzeg/gross_but_typical_changes_to_ts_cs/ |archive-date=2026-04-15 |access-date=2026-04-15 |website=Reddit}}</ref><ref>{{Cite web |date=2026-04-13 |title=Opt out of binding arbitration within next 30 days |author=u/discostu- |url=https://old.reddit.com/r/ynab/comments/1skm8yn/opt_out_of_binding_arbitration_within_next_30_days/ |archive-url=https://web.archive.org/web/20260415213135/https://old.reddit.com/r/ynab/comments/1skm8yn/opt_out_of_binding_arbitration_within_next_30_days/ |url-status=live |archive-date=2026-04-15 |access-date=2026-04-15 |website=Reddit}}</ref></blockquote> | <blockquote>'''Dispute resolution:''' In our Terms of Service, we're moving to arbitration for dispute resolution. This means if we ever have a legal disagreement, it would be resolved by a neutral arbitrator instead of a court or jury, and we'd each bring claims individually rather than as part of a class action. If you prefer to keep your right to go to court, you can opt out by emailing [email protected] within 30 days. Opting out won't affect your account or service in any way.<ref>{{Cite web |date=2026-04-13 |title=Gross, but typical changes to T's & C's |author=u/samebutanon |url=https://old.reddit.com/r/ynab/comments/1skkzeg/gross_but_typical_changes_to_ts_cs/ |url-status=live |archive-url=https://web.archive.org/web/20260415213053/https://old.reddit.com/r/ynab/comments/1skkzeg/gross_but_typical_changes_to_ts_cs/ |archive-date=2026-04-15 |access-date=2026-04-15 |website=Reddit}}</ref><ref>{{Cite web |date=2026-04-13 |title=Opt out of binding arbitration within next 30 days |author=u/discostu- |url=https://old.reddit.com/r/ynab/comments/1skm8yn/opt_out_of_binding_arbitration_within_next_30_days/ |archive-url=https://web.archive.org/web/20260415213135/https://old.reddit.com/r/ynab/comments/1skm8yn/opt_out_of_binding_arbitration_within_next_30_days/ |url-status=live |archive-date=2026-04-15 |access-date=2026-04-15 |website=Reddit}}</ref></blockquote> | ||