terms-analyzer

服务条款分析器

解读复杂的服务条款和隐私政策，识别令人担忧的条款、隐藏权限及其对用户的影响。

何时使用此技能

• 评估新的 SaaS 工具
• 评估平台政策
• 比较竞争对手的条款
• 收购尽职调查
• 消费者保护分析

方法论基础

基于消费者保护框架和 EFF/ToS;DR 指南，分析：

• 数据使用和所有权
• 责任限制
• 仲裁条款
• 条款变更规定
• 终止权利

Claude 的工作与由你决定的事项

Claude 的工作	由你决定
识别关键条款	风险承受度
标记令人担忧的条款	是否接受
与标准进行比较	替代工具
总结权利	业务必要性
评估整体公平性	采取的行动

说明

第 1 步：文档概览

初步评估：

要素	需要记录的内容
服务	产品的功能
提供方	公司及其司法管辖区
最近更新	条款的时效性
长度	复杂程度指标
可读性	通俗易懂的语言还是法律术语

第 2 步：关键条款类别

需要分析的关键条款：

类别	需要查找的内容	风险信号
数据所有权	谁拥有你的内容	“永久、不可撤销的许可”
数据使用	对方如何使用你的数据	“任何目的”、“训练 AI”
数据共享	第三方访问权限	“合作伙伴”、“关联公司”
终止	对方能否取消你的账户	“由其自行决定”
变更	对方能否修改条款	“不另行通知”
责任	对方承担哪些责任	“在任何情况下均不承担责任”等免责声明
争议	如何解决纠纷	强制仲裁
账户数据	删除账户后会发生什么	不保证删除

第 3 步：权利评估

用户权利清单：

权利	状态	条款
数据可移植性	是/否/有限	§ 条款引用
账户删除	是/否/有限	§ 条款引用
内容所有权	是/否/有限	§ 条款引用
隐私控制	是/否/有限	§ 条款引用
选择退出选项	是/否/有限	§ 条款引用
退款权利	是/否/有限	§ 条款引用

第 4 步：危险信号分析

常见问题条款：

危险信号	含义	严重程度
“永久许可”	对方会永久保留你的数据	高
“自行决定”	对方可以决定一切	高
“不另行通知”	变更前不会发出警告	中
“强制仲裁”	不能向法院提起诉讼	中
“集体诉讼豁免”	不能加入集体诉讼	中
“单方面修改”	对方可以随时更改条款	中
“赔偿”	你需要支付对方的律师费	高
“不退款”	永远无法拿回钱	低至中

第 5 步：生成摘要

输出格式：

1. 服务概览
2. 总体评级（A-F 或良好/谨慎/避免）
3. 关键发现摘要
4. 详细条款分析
5. 权利清单
6. 危险信号
7. 与替代方案的比较
8. 建议

示例

示例 1：完整的服务条款分析

输入：

Analyze these ToS excerpts:

"By using our Service, you grant us a worldwide, non-exclusive,
royalty-free, sublicensable, transferable license to use, reproduce,
modify, distribute, and display your Content in connection with
operating and improving the Service and developing new products."

"We may modify these Terms at any time. Continued use constitutes
acceptance of modified Terms."

"All disputes will be resolved through binding arbitration in
accordance with AAA rules. You waive any right to participate
in class actions."

"We may terminate your account at our sole discretion with or
without cause and with or without notice."

输出：

## Terms of Service Analysis

### Service Overview
Provider: [Service Name]
Type: [SaaS/Platform/etc.]
Analysis Date: 2026-01-31

---

### Overall Grade: C- (CAUTION)

This ToS contains several concerning clauses that significantly
favor the provider. Users should be aware of limited rights
before signing up.

---

### Key Findings Summary

| Area | Status | Concern Level |
|------|--------|---------------|
| Data Rights | Problematic | HIGH |
| Terms Changes | Problematic | MEDIUM |
| Dispute Resolution | Restrictive | MEDIUM |
| Termination | One-Sided | HIGH |

---

### Detailed Clause Analysis

#### 1. Content License (HIGH CONCERN)

**Clause:**
> "...worldwide, non-exclusive, royalty-free, sublicensable,
> transferable license to use, reproduce, modify, distribute,
> and display your Content in connection with operating and
> improving the Service and developing new products."

**Analysis:**

| Term | Meaning | Concern |
|------|---------|---------|
| Worldwide | Any country | Standard |
| Non-exclusive | You keep rights too | Good |
| Royalty-free | No payment to you | Expected |
| **Sublicensable** | They can give to others | CONCERNING |
| **Transferable** | Survives if they're sold | CONCERNING |
| **Developing new products** | Beyond operating service | PROBLEMATIC |

**What This Means:**
- Your content can be used to train AI or build new features
- They can sell/transfer your content in an acquisition
- "Improving the Service" is standard; "developing new products" is not

**Industry Standard:** Most services limit to "operating and providing
the Service" without the "new products" language.

**Recommendation:** If uploading sensitive content, consider if
you're comfortable with it being used beyond the core service.

---

#### 2. Terms Modification (MEDIUM CONCERN)

**Clause:**
> "We may modify these Terms at any time. Continued use constitutes
> acceptance of modified Terms."

**Analysis:**
- No notice requirement
- No opt-out period
- Acceptance by inaction

**What This Means:**
Terms could change tomorrow and using the service = agreeing.

**Better Standard:** "30 days notice with right to terminate"

**Recommendation:** Periodically review terms, especially before
renewal dates.

---

#### 3. Arbitration Clause (MEDIUM CONCERN)

**Clause:**
> "All disputes will be resolved through binding arbitration...
> You waive any right to participate in class actions."

**Analysis:**

| Element | Impact |
|---------|--------|
| Binding arbitration | Can't go to court |
| AAA rules | Expensive, but structured |
| Class action waiver | Can't join mass lawsuits |

**What This Means:**
- Individual disputes only
- Arbitration can cost thousands
- Small claims may not be worth pursuing

**Context:** Common in US tech companies, may not be enforceable
in some jurisdictions (EU).

**Recommendation:** Acceptable for business use; concerning for
consumer services where individual damage may be small.

---

#### 4. Termination (HIGH CONCERN)

**Clause:**
> "We may terminate your account at our sole discretion with or
> without cause and with or without notice."

**Analysis:**
- No reason needed
- No warning required
- Complete discretion

**What This Means:**
You could lose access tomorrow with no explanation or recourse.

**Better Standard:** "Termination for violation of Terms with
14 days to cure, or immediately for material breach"

**Recommendation:** Do not rely on this service for critical
business functions without data backup strategy. Consider what
happens to your data on termination.

---

### Rights Checklist

| Right | Status | Notes |
|-------|--------|-------|
| Own your content | Partial | Broad license granted |
| Export data | Unknown | Not addressed |
| Delete account | Unknown | Not addressed |
| Dispute in court | No | Arbitration only |
| Notice of changes | No | No requirement |
| Reason for termination | No | "Sole discretion" |

---

### Red Flags Summary

| Flag | Severity | Clause |
|------|----------|--------|
| "Developing new products" license | HIGH | §3 |
| Termination without notice | HIGH | §12 |
| Class action waiver | MEDIUM | §15 |
| Modification without notice | MEDIUM | §2 |

---

### Comparison to Alternatives

| Feature | This Service | Industry Better Practice |
|---------|--------------|--------------------------|
| Content license | New products | Operating service only |
| Terms changes | No notice | 30-day notice |
| Termination | No cause/notice | Cause + cure period |
| Disputes | Arbitration only | Court option preserved |

---

### Recommendations

1. **For Personal Use:** Consider alternatives with fairer terms
2. **For Business Use:**
   - Negotiate enterprise agreement if possible
   - Ensure data backup procedures
   - Document all content uploaded
   - Set calendar reminders to review terms changes
3. **Data Strategy:** Don't upload anything you wouldn't want
   used for "new products"

示例 2：快速检查隐私政策

输入：

Quick check - is this privacy policy concerning?
"We may share your information with our affiliates and business
partners for marketing purposes."

输出：

## Quick Privacy Analysis

### Verdict: CONCERNING

---

### Clause Breakdown

> "We may share your information with our affiliates and business
> partners for marketing purposes."

| Term | Meaning | Concern |
|------|---------|---------|
| "affiliates" | Related companies | Medium - often broad |
| "business partners" | Anyone they work with | HIGH - undefined |
| "marketing purposes" | Advertising to you | HIGH - not service-related |

---

### What This Means

- Your data can go to undefined third parties
- You'll likely receive marketing from companies you never chose
- "Business partners" could be hundreds of companies

---

### Questions to Ask

1. Can you opt out of partner sharing?
2. Who are these "business partners"?
3. Is consent required or is it opt-out?

---

### Better Language

"We may share your information with affiliates solely to provide
the Service. We will not share your information with third parties
for marketing purposes without your explicit consent."

---

### Recommendation

Check for:
- [ ] Opt-out mechanism in privacy settings
- [ ] List of specific partners
- [ ] GDPR/CCPA rights section
- [ ] Data selling disclosure

If no opt-out exists, this service will share your data widely.

技能边界

此技能擅长的事项

• 识别令人担忧的条款
• 解释法律语言
• 与标准进行比较
• 标记风险

此技能无法做到的事项

• 提供法律建议
• 了解所有司法管辖区的差异
• 预测执法情况
• 保证解释准确

何时应升级至人工处理

• 企业协议谈判
• 涉及受监管行业
• 跨境数据问题
• 合同纠纷

迭代指南

后续提示词：

• “企业协议中有哪些条款值得协商？”
• “将这些条款与 [competitor] 的条款进行比较”
• “我应该问他们的销售团队哪些问题？”
• “起草一份修改条款的请求”

参考资料

• ToS;DR（服务条款；没看）
• EFF 隐私分析框架
• EDPB 透明度指南
• FTC 不公平商业行为

相关技能

• contract-review - 完整合同分析
• gdpr-compliance - 隐私详情
• competitive-analysis - 比较服务

技能元数据

• 领域：法律 / 消费者
• 复杂度：初级-中级
• 模式：cyborg
• 价值实现时间：15-30 分钟
• 先决条件：能够访问 ToS 文档