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Legal Pages

ESTAGE users can now install a full set robust legal pages that cover necessary topics for online businesses in just A COUPLE CLICKS.

The pages AUTOMATICALLY UPDATE to reflect the changing legal landscape without user effort.

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Legal Pages

Our Legal Pages cover the topics needed for compliance with domestic and international law.

We monitor and automatically update the Legal Policies to reflect the ever shifting legal landscape.

The Legal Pages are ONLY Available as a Group as Part of the Vital Bundle.

$297 Set-up & $35 per Month License and Update Fee

Discounts are Offered for Multiple Sites

The Legal Pages are only offered as part of the Vital Bundle because the Legal Pages cross reference each other, and

Without a Legal Consent Modal they may be deemed by Regulators and Courts to be INEFFECTIVE because you cannot prove your visitors consented to them.

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We Practice What We Preach!

The Best Way To Understand the Legal Pages We Sell is to View the Legal Pages on This Site.

Each Description Below Links to the Actual Page on this Site.

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Terms of Use

Terms of Use

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Terms of Use clarify your website’s policies, liabilities, and compliance with regulations. Without them, you risk fines, lawsuits and other legal issues.

Courts have held that Terms of Use MUST BE AGREED TO, and that merely placing them on your website is invalid.

A well-drafted Terms of Use policy should include:

  • Acceptance of terms.

  • Integration of other legal policies (user generated content, DMCA, privacy, etc.).

  • User obligations (prohibited activities, account responsibilities).

    • Disclaimers & limitations of liability (no warranties, liability caps).

    • Termination clauses.

    • Governing law & dispute resolution.

    A Terms of Use policy is crucial to:

  • Legally protect the business from misuse and liability.

    • Set clear rules for users, reducing disputes.

    • Comply with regulations (e.g., GDPR, CCPA).

While a TOU itself is not  mandatory, they are a practical NECESSITY to comply with MANDATORY disclosures and other requirements of Consumer Protection and other laws. The absence of a TOU poses significant unacceptable legal risk.

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We provide the Legal Pages ONLY in the Vital Bundle and provide automatic updates.

$297 Set-up Fee &

$35 month License / Updates

Additional sites after the first purchase are:

$97 Set-up Fee &

$24/month License / Updates

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Privacy Policy

Privacy Policy

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In today’s digital landscape, businesses collect, store, and process vast amounts of user data. A privacy policy is often legally required. It informs users about how their personal information is gathered, used, shared, and protected.

Proof of Consent to Cookie and Privacy Policies is MANDATORY BY LAW in some jurisdictions and CRITICAL in all jurisdictions.

A strong Privacy Policy should include:

  • Integraton with Terms of Use and User Generated Content Policies.

  • Data collected (personal, usage, cookies).

  • Purpose of collection (service delivery, analytics, marketing).

  • Data sharing (third parties, legal disclosures).

  • User rights (access, correction, deletion under GDPR/CCPA).

  • Security measures (encryption, safeguards). Cookies & tracking (opt-out options).

  • Covers both domestic and international legal requirements.

    A Privacy Policy is essential to:

  • Comply with laws (GDPR, CCPA, COPPA) or face fines.

  • Build trust by transparently handling user data.

  • Mitigate risks of breaches or legal disputes.

Many jurisdictions MANDATE PRIVACY POLICIES BY LAW if any personal data is collected.

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We provide the Legal Pages ONLY in the Vital Bundle and provide automatic updates.

$297 Set-up Fee &

$35 month License / Updates

Additional sites after the first purchase are:

$97 Set-up Fee &

$24/month License / Updates

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Disclaimers

Disclaimers

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Disclaimers are an important part of your overall legal protection. Good Disclaimers prevent misunderstandings and spurious allegations that your information / products are not what you state they are.

A strong Disclaimer Policy should include:

  • Integration with Terms of Use.

  • Liability disclaimers (no guarantees on accuracy, reliability, or outcomes).

  • No professional advice (legal, medical, financial content is informational only).

  • Third-party links (no responsibility for external content).

  • Affiliate/endorsement disclosures (FTC compliance for paid promotions).

  • User responsibility (actions taken based on site content are at their own risk).

  • Warranty limitations (services/products provided "as-is").

A Disclaimer Policy helps:

  • Limit legal liability by clarifying responsibilities.

  • Comply with regulations (e.g., FTC rules on endorsements).

  • Protect against lawsuits (misuse of information or third-party claims).

While not always legally mandatory, Disclaimer Policies are critical for risk management.

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We provide the Legal Pages ONLY in the Vital Bundle and provide automatic updates.

$297 Set-up Fee &

$35 month License / Updates

Additional sites after the first purchase are:

$97 Set-up Fee &

$24/month License / Updates

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User Generated Content (UGC) Policy

User Generated Content (UGC) Policy

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If your platform allows users to post information such as in a social community, chat, reviews. etc., it is essential and often legally required that you have a User Generated Content policy.

A strong User Generated Content (UGC) Policy should include:

  • Integration with Terms of Use, Privacy Policy, and DMCA policies.

  • Definition of UGC (posts, comments, reviews, uploads).

  • Prohibited content (hate speech, illegal material, harassment).

  • Ownership & licensing (user retains rights but grants platform usage rights).

  • Liability disclaimer (platform not responsible for third-party content).

  • Consequences for violations (warnings, bans, legal action).

  • Covers both domestic and international legal requirements.

A UGC Policy is crucial to:

  • Comply with laws (DMCA, GDPR, CDA Section 230 protections).

  • Maintain community standards and prevent abuse.

  • Shield against liability for harmful/infringing content.

While not always MANDATED BY LAW, it is CRITICAL for platforms hosting User Generated Content.

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We provide the Legal Pages ONLY in the Vital Bundle and provide automatic updates.

$297 Set-up Fee &

$35 month License / Updates

Additional sites after the first purchase are:

$97 Set-up Fee &

$24/month License / Updates

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Refund Policy

Refund Policy

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Refund Policy disclosure is required in many countries in the world. Moreover, many of these countries have specific requirements for Refund Policies and outright prohibit NO REFUNDS.

A clear Refund Policy should include:

  • Integration with Terms of Use and Shipping Policies.

  • Eligibility criteria (timeframe, condition of products/services).

  • Refund process (how to request, required documentation).

  • Refund methods (credit, replacement, or cash).

  • Exclusions (non-refundable items/services).

  • Processing time (when refunds are issued).

  • Contact details for refund support.

A Refund Policy is essential to:

  • Build trust and reduces disputes.

  • Ensures Compliance with consumer protection laws (e.g., GDPR, CCPA, or local regulations).

Many jurisdictions legally REQUIRE businesses to disclose refund terms, especially for e-commerce.

Many jurisdictions PROHIBIT NO REFUND policies and have MANDATORY refund laws.

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We provide the Legal Pages ONLY in the Vital Bundle and provide automatic updates.

$297 Set-up Fee &

$35 month License / Updates

Additional sites after the first purchase are:

$97 Set-up Fee &

$24/month License / Updates

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User Leads & Contact Policy

User Leads & Contact Policy

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Gone are the days that you can simply buy a email and telephone list and blast emails, calls and texts to customers. Many jurisdictions require explicit and direct consent between a business and a person for email, phone, or text messaging, especially for marketing purposes.

A compliant Leads & Contact Policy should include:

  • Integration with Terms of Use and Privacy Policies.

  • Consent requirements (explicit opt-in for calls, texts, emails under TCPA, CAN-SPAM, GDPR).

  • Disclosure (how data is collected, stored, and used).

  • Opt-out mechanisms (unsubscribe options for emails, SMS, calls).

  • Data security measures (protecting customer information).

  • Compliance details (adherence to TCPA, GDPR, CCPA, etc.).

A clear Leads & Contact Policy ensures:

  • Compliance with laws like the TCPA, CAN-SPAM, and GDPR, avoiding hefty fines.

  • Builds trust by respecting customer privacy and consent,

  • Reduces spam and other regulatory complaints.

  • Improves lead quality.

Many jurisdictions (including the U.S.) mandate by law such policies for businesses engaging in telemarketing, email, or SMS marketing.

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We provide the Legal Pages ONLY in the Vital Bundle and provide automatic updates.

$297 Set-up Fee &

$35 month License / Updates

Additional sites after the first purchase are:

$97 Set-up Fee &

$24/month License / Updates

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Cookie Policy

Cookie Policy

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Laws around the world require consent to collect and use personal information such as "Cookies".

Additionally, Courts have held that Cookie Consent / Privacy Policy MUST BE AGREED TO, and that merely placing them on your website is invalid.

A compliant Cookie Policy should clearly explain:

  • Integration with Privacy Policies.

  • Types of cookies used (essential, analytics, marketing).

  • Purpose of each cookie (e.g., session management, tracking).

  • Data collected (IP, browsing behavior).

  • Third-party cookies (e.g., Google Analytics).

  • How to manage/disable cookies (browser settings).

  • In the EU it is mandatory to obtain prior consent (opt-in) for non-essential cookies. In the EU and some U. S. States, you must provide a clear Cookie Policy and allow withdrawal of consent and you must disclose tracking in a Privacy Policy.

 

Non-compliance risks fines:

(EU: up to €20,000,000 / 4% of global revenue;

U.S.: (CCPA) penalties up to $7,500 per violation).

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We provide the Legal Pages ONLY in the Vital Bundle and provide automatic updates.

$297 Set-up Fee &

$35 month License / Updates

Additional sites after the first purchase are:

$97 Set-up Fee &

$24/month License / Updates

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Affiliate Agreement

Affiliate Agreement

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Affiliate Agreements delineate the rights and responsibilities of the parties selling products for you as Affiliates. Without such contracts, misunderstandings and disagreements often occur. Worse, your Affiliates can VIOLATE your agreements with other companies and BREAK regulatory laws that can lead to fines.

A strong Affiliate Agreement should include:

  • Integration with Term of Use and other Legal Pages.

  • Define the parties involved (company & affiliate).

  • Commission structure (rates, payment terms).

  • Obligations (promotion methods, compliance with laws and compliance with the company's affiliate agreements with other vendors).

  • Restrictions (prohibited practices, exclusivity). Intellectual property (usage rights for branding/marketing).

  • Termination clauses (breach, notice periods).

  • Dispute resolution & governing law (jurisdiction).

A strong Affiliate Agreement is required to

  • Formalize the relationship and prevent disputes.

  • U.S.: Must comply with FTC rules (disclosure of affiliate links) and state contract laws.

  • EU: Must align with GDPR and consumer protection laws.

Affiliate relationships are enforceable in court if disputes arise. Without a well defined Affiliate Agreement you risk legal liability, regulatory problems, and reputational damage.

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We provide the Legal Pages ONLY in the Vital Bundle and provide automatic updates.

$297 Set-up Fee &

$35 month License / Updates

Additional sites after the first purchase are:

$97 Set-up Fee &

$24/month License / Updates

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Accessibilty Statement

Accessibilty Statement

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Compliance with Americans with Disabilities Act (ADA) and laws in many other countries REQUIRE BY LAW that you make ALL websites handicap accessible.

Thousands of ADA website violation cases are filed each year, and coutless other businesses settle "demand letters" for thousands of dollars without going to court.

An accessibility statement concisely describes how well a website or app meets accessibility standards (like WCAG).

It should detail the efforts made to ensure inclusivity for users with disabilities, including specific technologies used (e.g., screen reader compatibility) and any known limitations.

It also provides contact information for reporting accessibility issues.

A statement demonstrates a commitment to digital inclusivity and can mitigate potential legal challenges. It's a proactive measure to ensure your website or app is usable for everyone.

An Accessibility Statement is becoming increasingly crucial for compliance with regulations like the ADA (in the US) and similar legislation globally.

An accessibility statement isn't universally mandated, but it's strongly recommended.

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We provide the Legal Pages ONLY in the Vital Bundle and provide automatic updates.

$297 Set-up Fee &

$35 month License / Updates

Additional sites after the first purchase are:

$97 Set-up Fee &

$24/month License / Updates

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DMCA Policy

DMCA Policy

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You CANNOT use images, video, text audio, or other copyrighted materials without the consent of the copyright owner. This applies to information you put on your website, and alos includes information that User's place on your website. There are legal mechanisms for copyright owners to protect their intellectual property. Obviously, lawsuits are one option. However, the U.S. Digital Millennium Copyright Act (DMCA) and similar laws in other countries, provide simpler mechanisms for a person to get their copyrighted material removed from other peoples websites.

A robust DMCA policy clearly outlines how your website handles copyright infringement claims under the U.S. Digital Millennium Copyright Act.

It should detail procedures for submitting copyright infringement notifications, including required information (e.g., copyrighted work, location on your site, contact details).

It also explains your process for responding to such notices, including removing or disabling access to infringing material and potentially terminating repeat offenders' accounts.

Failing to address copyright infringement can lead to legal action and reputational damage.

Compliance with the DMCA is MANDATORY, and a DMCA Policy is crucial to provide how you will handle claims.

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We provide the Legal Pages ONLY in the Vital Bundle and provide automatic updates.

$297 Set-up Fee &

$35 month License / Updates

Additional sites after the first purchase are:

$97 Set-up Fee &

$24/month License / Updates

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Shipping Policy

Shipping Policy

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If you send products to consumers, you need a Shipping Policy. A good shipping policy will prevent disputes, hassles, upset customers promote good customer relations.

A good Shipping Policy clearly outlines:

  • shipping costs (including any handling fees),

  • delivery times,

  • methods (e.g., courier, postal service), geographical coverage,

  • order processing times,

  • insurance options,

  • the process for damaged or lost goods, and returns/exchanges should also be addressed.

A comprehensive Shipping Policy is crucial for managing customer expectations and avoiding disputes.

A Shipping Policy protects businesses from liability by setting clear expectations and procedures.

Omitting key information can lead to legal issues and damage reputation.

While not explicitly legally *required* in the US or EU, a transparent shipping practices are essential for building trust and complying with consumer protection laws in both regions, which often implicitly REQUIRE such clarity for fair trade.

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We provide the Legal Pages ONLY in the Vital Bundle and provide automatic updates.

$297 Set-up Fee &

$35 month License / Updates

Additional sites after the first purchase are:

$97 Set-up Fee &

$24/month License / Updates

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Community Guidelines

Community Guidelines

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Community Guidelines describe how people are expected to act while on your website. This includes treating others with respect, only posting acceptable comments, and obeying the laws and Legal Pages of the website.

Good Community Use Guidelines (CUGs) clearly outline acceptable behavior within an online community.

CUGs are often used in conjunction more definitive User Generated Content Policies.

CUGs typically cover:

  • respectful communication,

  • prohibited content (hate speech, harassment, illegal activities),

  • obeying laws and the site's Legal Policies

  • intellectual property rights, and

  • account security.

Robust CUGs demonstrate a platform's commitment to responsible moderation and user safety, minimizing legal risks and fostering a thriving community.

While CUGs are not legally required, moderation of user content is MANDATORY and failure to do so can expose platforms to legal liability in the U.S. and foreign jurisdictions.

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We provide the Legal Pages ONLY in the Vital Bundle and provide automatic updates.

$297 Set-up Fee &

$35 month License / Updates

Additional sites after the first purchase are:

$97 Set-up Fee &

$24/month License / Updates

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What "Bad Things" Can Actually Happen?

Here Are Some Actual Real-Life Cases

Read About Businesses That Were Fined and Sued and It Cost Them Thousands

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Terms of Use &

Legal Consent

Terms of Use &

Legal Consent

Both the U.S. and E.U. require "clear notice"  and "active consent" to Terms of Use.

Nguyen v. Barnes & Noble, Inc. (2014 9th Cir.)

The U.S. Court of Appeals for the Ninth Circuit ruled that Barnes & Noble failed to prove Nguyen had actual or constructive notice of the Terms of Use (ToU) which would require arbitration and not allow Nguyen to sue Barnes and Noble.

The hyperlink to the ToU was placed at the bottom of the webpage, and Nguyen was NOT required to affirmatively acknowledge the ToU.

Nguyen was allowed to sue Barnes & Noble.

See also, Meyer v. Uber Technologies, Inc. (2017 2nd Cir.)  

Same ruling as Nguyen v. Barnes and Noble (shown above).

Bundesgerichtshof (BGH) v. Peek & Cloppenburg (2021 Germany)

A fashion retailer’s website had Terms and Conditions (T&Cs) accessible only via a hyperlink at the bottom of the checkout page. The BGH ruled:

  • The T&Cs weren’t "explicitly brought to attention" of the user.

  • The site didn’t require users to affirmatively agree to the T&C's

The Terms & Conditions were unenforceable against the consumer.

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Refund Policy Disclosure & Legal Consent

Refund Policy Disclosure & Legal Consent

FTC v. Commerce Planet, Inc. (2013)

Commerce Planet failed to clearly disclose its refund policy. The Federal Trade Commission (FTC) sued, alleging violations of the Restore Online Shoppers’ Confidence Act (ROSCA) and Section 5 of the FTC Act, which require clear disclosure of material terms, including Refund Policies.

The court found Commerce Planet liable for: $18,800,000.00.

Competition and Markets Authority (CMA) v. Wowcher Ltd (2021 UK)

Wowcher, a UK-based website, had a Refund Policy but:

  • Buried refund terms in its FAQs, and

  • Misled consumers by claiming purchases were "non-refundable" despite legal obligations to refund under the Consumer Rights Act 2015.

    Wowcher was forced to pay £500,000.00.

Bundesverband der Verbraucherzentralen v. Amazon EU (2020 Court of Justice of the European Union)

Amazon’s German site defaulted to "immediate performance" which waived their 14-day right to withdraw. Under the Consumer Rights Directive (Art. 9, 16), online sellers must:

  • Clearly display refund/return policies.

  • Obtain explicit consent for waiving withdrawal rights.

Consumers would be allowed to sue Amazon for damages for the violation and fines could be imposed.

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No Legal Pages

Inadequate Legal Pages

No Legal Pages

Inadequate Legal Pages

FTC v. Credit Bureau Center, LLC (2019 7th Circuit)

A small credit monitoring business was sued by the FTC for:

  • Failing to provide a Privacy Policy despite collecting consumer data.

  • Enrolling users in recurring charges without clear Terms of Use disclosing payment terms.

    The company was fined $5,800,000.00 and ordered to create compliant policies and pay restitution to consumers.

California v. Mobile App Developer (2023)

A small fitness app developer (fewer than 10 employees) was sued by California’s Attorney General for:

  • Failing to post a Privacy Policy despite collecting user information.

  • No Terms of Use to disclose refund rules

The business settled for a $75,000.00 fine and had to create their Legal Policies under state supervision.    

Greek DPA v. Local E-Shop (2021)

A family-run online gift store was challenged by Greek Data Protection authorities for: 

  • No Privacy Policy on its website

  • No cookie banner to obtain consent for tracking  

The company had to pay a  €8,000.00 fine.

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No Written Contract

Offline Services

No Written Contract

Offline Services

Sellers v. JustAnswer LLC (2021 N.D. Cal.)

JustAnswer (a Q&A platform) connected users with professionals (e.g., doctors, lawyers) without written contracts governing offline advice. A user sued after relying on unlicensed medical advice (given via phone) that worsened a health condition. The Court held JustAnswer liable for negligent misrepresentation and unfair business practices finding that the lack of written terms disclaiming liability for offline interactions created apparent agency. 

JustAnswer settled for $1,200,000.00.

Bundesgerichtshof (BGH) v. HolidayCheck (2020 Germany)

HolidayCheck listed hotels but had no written contracts specifying it was merely a booking intermediary.A guest sued after a hotel-related injury, claiming the platform vouched for safety standards.

The German Federal Court held HolidayCheck jointly liable because the absence of clear written terms disclaiming liability for third-party services misled consumers.

HolidayCheck was fined €500K + ordered to revise its terms.

Doe v. TaskRabbit, Inc. (2022 N.D. Cal.)

A TaskRabbit user hired a cleaner ("Tasker") through the platform to clean their home. The Tasker stole jewelry and cash during the job. The user sued TaskRabbit, arguing the platform failed to provide a written contract clarifying TaskRabbit’s role as a mere intermediary (not an employer/guarantor of services).

TaskRabbit settled the case for $300,000.00.

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Handicap Accessibility

ADA, State & International

Handicap Accessibility

ADA, State & International

Gil v. Winn-Dixie Stores (2021 11th Circuit)

Winn-Dixie's grocery store website violated the ADA by failing to make its website accessible to blind users (incompatible with screen readers).

Winn-Dixie was ordered to pay the plaintiff’s legal fees (estimated at $250,000+) and remediate their website.

Spanish National Federation v. Bankia (2020 Spain)

Bankia sued for its website failing to meet WCAG 2.1 AA standards, thereby excluding disabled users.

Bankia fined €50,000.00.

Martinez v. Cot’n Wash, Inc. (2023)

Martinez sued under the Unruh Act which provides statutory damages for ADA violations ($4,000 per offense), even without intent. (Over 1,000 Unruh Act web cases were filed in 2023 alone, targeting small businesses).

The case settled for $75,000 in damages + attorney fees.

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Privacy Policy

Disclosure & Consent

Privacy Policy

Disclosure & Consent

CNIL v. Google LLC (2019 France)

Google found to violate by France’s data protection authority (CNIL) for violating the EU General Data Protection Regulation (GDPR) due to:

  • Lack of Transparency – Google’s privacy policy failed to clearly explain data collection purposes.

  • Invalid Consent – Users were forced to accept data processing for ads without a genuine choice (no "unbundled" consent).

  • No Easy Opt-Out – Critical privacy settings were buried, making it hard for users to refuse tracking.

Google was fined €50,000,000.00. 

FTC v. Zoom (2023)

Zoom was sued by the FTC for Privacy Policy violations:

  • Misleading Privacy Claims – Promising "end-to-end encryption" when it wasn’t fully applied.

  • Data Sharing – Disclosing user data to third parties (e.g., Facebook, LinkedIn) without proper notice in its Privacy Policy.

Zoom settled the case for $85,000,000.00

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Privacy Policy Violations

Small Businesses

Privacy Policy Violations

Small Businesses

FTC v. RetroFitness (2023)

RetroFitness, a small gym chain operated a mobile app that allowed collection data from children, despite claiming in its privacy policy it complied with applicable law.

Simply having a privacy policy isn’t enough—it must accurately reflect practices.

Retrofitness was fined $100,000.00 and it was mandated that it have third-party privacy audits for 10 years.

Bundesbeauftragter für den Datenschutz (BfDI) v. A Small German Medical Practice (2022)

A solo medical practitioner in Germany was sued after investigators found:

  • The clinic’s privacy policy failed to specify how long patient records were stored.

  • Patient files were not treated as described in the Privacy Policy.

Businesses must align their actual practices with policy promises.

The doctor was fined €10,000.00.

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User Posted Content

Violations

User Posted Content

Violations

CNIL v. Dailymotion (2021,France)

The video-sharing platform Dailymotion investigated  for:

  • No clear policy on reporting illegal content (e.g., hate speech, copyrighted material).

  • Failing to promptly remove flagged content, exposing users to harmful material.

Under the EU’s DSA, all platforms must publish  transparent content moderation policies and act on reports swiftly.

Dailymotion was fined fined €50,000.00.

Austrian DPA v. Local News Forum (2022)

A small Austrian news forum was found to have violated the GDPR by allowing harmful user generated content.

  • Hosting unchecked racist/hate comments with no published moderation policy.

  • Ignoring user reports due to lack of formal procedures.

The forum owner was fined €8,000.00.

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The Vital Bundle

Navigating online legal compliance is a complex and ever-evolving challenge, with businesses required to meet various regulations concerning data protection, consumer rights, liability, and transparency in jurisdictions across the globe.

Failing to comply can result in hefty fines, legal disputes, and reputational damage. Our all-in-one Vital Bundle protects your business by covering fundamental and vital aspects.

The Vital Bundle includes:

Legal Pages & Policies with Automatic Updates

Privacy Policies (U.S. and International)

Terms of Use

Disclaimers        

User Content Policies (re: third-parties content on your HUB)

Refund Policy (U.S. and International)

User Contact Policies

Cookie Policy (U.S. and International)

DMCA Policy

Accessibility Statement

Community Guidelines

Shipping Policies (U.S. and International)

Affiliate Agreement & Affiliate Registration Form (automatic update)

Cookie / Legal Consent Modal (free and affiliate link versions)

Handicap Accessibility (affiliate link)

Compliant Lead Generation Form (ESTAGE share code)

GeoBlocking Sites and Pages (free and affiliate link versions)

Sample Footer with Disclaimer for both HUB and Community Pages
(ESTAGE share code)

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$297 Sign-up Fee

$35/month ongoing license / updates

For additional sites after the first purchase are:

$97 One-Time Fee

$24/month ongoing license / updates