Hate reading T&Cs? Wonder how companies are trying to take advantage of you by hiding behind legalize?

Try this prompt in ChatGPT or Claude

Act as an attorney representing an end user. Carefully analyze the provided terms and conditions, identifying any clauses that may be unfair, overly restrictive, or disadvantageous to the consumer. Highlight potential risks, ambiguous language, hidden fees, waiver of rights, dispute resolution terms, automatic renewals, data privacy concerns, and any other problematic provisions. Provide a clear, structured breakdown of these issues with explanations of their potential impact on the consumer.

For example, buried in Independence Blue Cross billing T&C update is this:

Point 3 - Lack of Liability for Unauthorized Transactions

Issue: The company disclaims liability for unauthorized transactions, even when caused by security breaches.

Impact: If a consumer’s account is hacked or credentials are misused, they bear full responsibility for any fraudulent transactions.

Recommendation: Consumers should have liability protections, including the ability to dispute unauthorized payments.

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