{
  "generated": "2026-06-04",
  "methodology_version": "CES-1.1",
  "total_count": 2075,
  "tier": "policy",
  "license_url": "https://creativecommons.org/licenses/by-sa/4.0/",
  "note": "Documented-Policy tier only; Verified-Flow (behavioural) audits pending for all records. Informational analytics; never alters any score.",
  "grade_distribution": {
    "B": 1233,
    "C": 565,
    "D": 150,
    "F": 29,
    "A": 98
  },
  "dimension_means": {
    "cancel_url": 69.2,
    "channel_disclosed": 77.6,
    "notice_disclosed": 68.4,
    "refund_disclosed": 65.8,
    "findability": 72.8
  },
  "dimension_weights": {
    "cancel_url": 30,
    "channel_disclosed": 20,
    "notice_disclosed": 15,
    "refund_disclosed": 15,
    "findability": 20
  },
  "no_findable_cancel": {
    "count": 176,
    "pct": 8
  },
  "signals": {
    "pricing_model": {
      "subscription": 2029,
      "one_time": 43,
      "hybrid": 3
    },
    "cancel_method_documented": 2054,
    "has_online_cancel": 1737,
    "phone_or_inperson_required": 137,
    "pause_available": 498,
    "refund_link_present": 804
  },
  "signals_text": {
    "_coverage": "refund_stance + notice_days are high-coverage distributions; marketing_terms_conflict + eu_withdrawal_waived are CONFIRMED FLOORS (precise but low recall on legacy summaries).",
    "refund_stance": {
      "none": 669,
      "conditional": 419,
      "unknown": 987
    },
    "notice_days": {
      "known": 566,
      "cancel_anytime_0": 449,
      "notice_required": 117,
      "unknown": 1509
    },
    "marketing_terms_conflict_floor": {
      "count": 4,
      "by_type": {
        "refund": 2,
        "cancel_method": 1,
        "notice": 1
      }
    },
    "eu_withdrawal_waived_floor": 4
  },
  "signals_source": {
    "verified_records": 1251,
    "coverage_pct": 60,
    "note": "Source-tier signals re-fetched from each record's cited URLs. gov/arb/eu are factual presence signals (~80-86% audit accuracy). conflict_review_queue is a HEURISTIC candidate list for human confirmation, NOT published per-company claims (the cross-page heuristic has false positives).",
    "governing_law_named": 304,
    "arbitration_clause": 327,
    "eu_withdrawal_waived": 11,
    "conflict_review_queue": {
      "count": 129,
      "by_type": {
        "refund": 117,
        "notice": 12
      }
    },
    "conflict_confirmed": {
      "count": 5,
      "by_type": {
        "refund": 3,
        "cancel_method": 1,
        "notice": 1
      }
    }
  },
  "enforcement": {
    "count": 12,
    "companies": [
      {
        "id": "abcmouse",
        "name": "ABCmouse",
        "grade": "B",
        "regulator": "FTC",
        "year": 2020,
        "penalty_usd": 10000000,
        "status": "final",
        "citation": "https://www.ftc.gov/news-events/news/press-releases/2020/09/abcmouse-pay-10-million-settle-ftc-charges-it-used-dark-patterns-trap-consumers-subscriptions"
      },
      {
        "id": "adobe-cc",
        "name": "Adobe Creative Cloud",
        "grade": "B",
        "regulator": "DOJ/FTC",
        "year": 2024,
        "penalty_usd": null,
        "status": "pending",
        "citation": "https://www.justice.gov/opa/pr/justice-department-sues-adobe-deceiving-consumers-about-fees-cancellation"
      },
      {
        "id": "amazon-prime",
        "name": "Amazon Prime",
        "grade": "B",
        "regulator": "FTC",
        "year": 2025,
        "penalty_usd": 2500000000,
        "status": "final",
        "citation": "https://www.ftc.gov/news-events/news/press-releases/2025/09/ftc-secures-historic-25-billion-order-against-amazon"
      },
      {
        "id": "cerebral",
        "name": "Cerebral",
        "grade": "B",
        "regulator": "FTC",
        "year": 2024,
        "penalty_usd": null,
        "status": "final",
        "citation": "https://www.ftc.gov/news-events/news/press-releases/2024/04/ftc-action-leads-order-requiring-cerebral-pay-7-million"
      },
      {
        "id": "hellofresh",
        "name": "HelloFresh",
        "grade": "C",
        "regulator": "State (CA ARL)",
        "year": 2024,
        "penalty_usd": 7500000,
        "status": "final",
        "citation": "https://www.classaction.org/news/hellofresh-reaches-7.5m-settlement"
      },
      {
        "id": "hinge",
        "name": "Hinge",
        "grade": "B",
        "regulator": "FTC",
        "year": 2025,
        "penalty_usd": 14000000,
        "status": "final",
        "citation": "https://www.ftc.gov/legal-library/browse/cases-proceedings/match-group"
      },
      {
        "id": "la-fitness",
        "name": "LA Fitness",
        "grade": "D",
        "regulator": "FTC",
        "year": 2025,
        "penalty_usd": null,
        "status": "ongoing",
        "citation": "https://www.ftc.gov/news-events/news/press-releases/2025/08/ftc-takes-action-against-fitness-international"
      },
      {
        "id": "match",
        "name": "Match.com",
        "grade": "C",
        "regulator": "FTC",
        "year": 2025,
        "penalty_usd": 14000000,
        "status": "final",
        "citation": "https://www.ftc.gov/legal-library/browse/cases-proceedings/match-group"
      },
      {
        "id": "okcupid",
        "name": "OkCupid",
        "grade": "B",
        "regulator": "FTC",
        "year": 2025,
        "penalty_usd": 14000000,
        "status": "final",
        "citation": "https://www.ftc.gov/legal-library/browse/cases-proceedings/match-group"
      },
      {
        "id": "tinder",
        "name": "Tinder",
        "grade": "C",
        "regulator": "FTC",
        "year": 2025,
        "penalty_usd": 14000000,
        "status": "final",
        "citation": "https://www.ftc.gov/legal-library/browse/cases-proceedings/match-group"
      },
      {
        "id": "uber-one",
        "name": "Uber One",
        "grade": "C",
        "regulator": "FTC",
        "year": 2025,
        "penalty_usd": null,
        "status": "ongoing",
        "citation": "https://www.ftc.gov/news-events/news/press-releases/2025/04/ftc-takes-action-against-uber-deceptive-subscription-practices"
      },
      {
        "id": "wapo",
        "name": "The Washington Post",
        "grade": "C",
        "regulator": "State (CA ARL)",
        "year": 2024,
        "penalty_usd": 6700000,
        "status": "final",
        "citation": "https://topclassactions.com/lawsuit-settlements/closed-settlements/washington-post-arl-settlement/"
      }
    ]
  },
  "industry_leaderboard": [
    {
      "industry": "Business formation",
      "mean_score": 53.0,
      "count": 8
    },
    {
      "industry": "Gym & fitness",
      "mean_score": 62.5,
      "count": 70
    },
    {
      "industry": "Insurance (auto)",
      "mean_score": 62.7,
      "count": 29
    },
    {
      "industry": "Telecom & ISP",
      "mean_score": 63.4,
      "count": 200
    },
    {
      "industry": "Analytics",
      "mean_score": 64.5,
      "count": 15
    },
    {
      "industry": "Dating apps",
      "mean_score": 67.1,
      "count": 45
    },
    {
      "industry": "Retail & membership",
      "mean_score": 68.0,
      "count": 35
    },
    {
      "industry": "Energy & utilities",
      "mean_score": 68.4,
      "count": 33
    },
    {
      "industry": "News & publishing",
      "mean_score": 68.6,
      "count": 74
    },
    {
      "industry": "Meal kits & food",
      "mean_score": 68.7,
      "count": 85
    },
    {
      "industry": "Apparel & beauty boxes",
      "mean_score": 69.6,
      "count": 59
    },
    {
      "industry": "Developer tools",
      "mean_score": 70.0,
      "count": 26
    },
    {
      "industry": "Fitness & audio apps",
      "mean_score": 70.5,
      "count": 80
    },
    {
      "industry": "Home security",
      "mean_score": 70.5,
      "count": 25
    },
    {
      "industry": "Telehealth & Rx",
      "mean_score": 70.6,
      "count": 54
    },
    {
      "industry": "AI tools",
      "mean_score": 70.7,
      "count": 103
    },
    {
      "industry": "Personal finance",
      "mean_score": 71.6,
      "count": 52
    },
    {
      "industry": "Software / SaaS",
      "mean_score": 72.3,
      "count": 243
    },
    {
      "industry": "Travel subscriptions",
      "mean_score": 72.5,
      "count": 16
    },
    {
      "industry": "Fintech / Neobank",
      "mean_score": 72.8,
      "count": 12
    },
    {
      "industry": "Fitness app",
      "mean_score": 73.0,
      "count": 12
    },
    {
      "industry": "Antivirus & VPN",
      "mean_score": 73.3,
      "count": 38
    },
    {
      "industry": "E-learning",
      "mean_score": 73.7,
      "count": 94
    },
    {
      "industry": "Streaming",
      "mean_score": 73.7,
      "count": 138
    },
    {
      "industry": "Pet subscriptions",
      "mean_score": 74.1,
      "count": 36
    },
    {
      "industry": "Food delivery memberships",
      "mean_score": 74.3,
      "count": 18
    },
    {
      "industry": "Fintech & banking",
      "mean_score": 75.2,
      "count": 10
    },
    {
      "industry": "Streaming (Video)",
      "mean_score": 75.9,
      "count": 22
    },
    {
      "industry": "Web hosting & domains",
      "mean_score": 76.1,
      "count": 27
    },
    {
      "industry": "Music & audio",
      "mean_score": 76.3,
      "count": 38
    },
    {
      "industry": "Gaming subscriptions",
      "mean_score": 76.5,
      "count": 18
    },
    {
      "industry": "Cloud infrastructure",
      "mean_score": 77.0,
      "count": 21
    },
    {
      "industry": "Mental health",
      "mean_score": 77.8,
      "count": 20
    },
    {
      "industry": "Streaming (video)",
      "mean_score": 78.0,
      "count": 14
    },
    {
      "industry": "Video streaming",
      "mean_score": 79.0,
      "count": 9
    },
    {
      "industry": "Insurance",
      "mean_score": 83.6,
      "count": 24
    }
  ],
  "jurisdiction_means": [
    {
      "jurisdiction": "MX",
      "mean_score": 62.3,
      "count": 11
    },
    {
      "jurisdiction": "SG",
      "mean_score": 64.1,
      "count": 18
    },
    {
      "jurisdiction": "PH",
      "mean_score": 65.2,
      "count": 9
    },
    {
      "jurisdiction": "PT",
      "mean_score": 66.4,
      "count": 8
    },
    {
      "jurisdiction": "ZA",
      "mean_score": 66.5,
      "count": 16
    },
    {
      "jurisdiction": "AE",
      "mean_score": 66.7,
      "count": 15
    },
    {
      "jurisdiction": "UK",
      "mean_score": 67.5,
      "count": 49
    },
    {
      "jurisdiction": "ES",
      "mean_score": 68.1,
      "count": 27
    },
    {
      "jurisdiction": "CH",
      "mean_score": 68.5,
      "count": 13
    },
    {
      "jurisdiction": "ID",
      "mean_score": 69.0,
      "count": 9
    },
    {
      "jurisdiction": "IN",
      "mean_score": 69.5,
      "count": 43
    },
    {
      "jurisdiction": "CA",
      "mean_score": 70.0,
      "count": 47
    },
    {
      "jurisdiction": "DK",
      "mean_score": 70.2,
      "count": 10
    },
    {
      "jurisdiction": "BR",
      "mean_score": 70.4,
      "count": 25
    },
    {
      "jurisdiction": "PL",
      "mean_score": 70.6,
      "count": 11
    },
    {
      "jurisdiction": "US",
      "mean_score": 70.8,
      "count": 1223
    },
    {
      "jurisdiction": "IL",
      "mean_score": 71.7,
      "count": 9
    },
    {
      "jurisdiction": "IT",
      "mean_score": 71.9,
      "count": 19
    },
    {
      "jurisdiction": "FR",
      "mean_score": 72.1,
      "count": 42
    },
    {
      "jurisdiction": "NZ",
      "mean_score": 72.5,
      "count": 15
    },
    {
      "jurisdiction": "SE",
      "mean_score": 72.7,
      "count": 18
    },
    {
      "jurisdiction": "CZ",
      "mean_score": 73.6,
      "count": 9
    },
    {
      "jurisdiction": "NO",
      "mean_score": 74.2,
      "count": 9
    },
    {
      "jurisdiction": "JP",
      "mean_score": 74.5,
      "count": 17
    },
    {
      "jurisdiction": "KR",
      "mean_score": 74.6,
      "count": 19
    },
    {
      "jurisdiction": "AU",
      "mean_score": 75.2,
      "count": 66
    },
    {
      "jurisdiction": "DE",
      "mean_score": 75.8,
      "count": 60
    },
    {
      "jurisdiction": "NL",
      "mean_score": 76.3,
      "count": 13
    },
    {
      "jurisdiction": "GB",
      "mean_score": 76.6,
      "count": 85
    }
  ],
  "asymmetry": {
    "no_online_cancel_pct": 11,
    "no_online_cancel_count": 223,
    "phone_channel_pct": 29,
    "online_pct": 84
  },
  "transparency_coverage": {
    "cancel": {
      "count": 2016,
      "pct": 97
    },
    "refund": {
      "count": 804,
      "pct": 39
    },
    "terms": {
      "count": 1150,
      "pct": 55
    },
    "privacy": {
      "count": 1031,
      "pct": 50
    }
  },
  "pause_by_vertical": [
    {
      "industry": "Meal kits & food",
      "pct": 89,
      "count": 85
    },
    {
      "industry": "Gym & fitness",
      "pct": 87,
      "count": 70
    },
    {
      "industry": "Apparel & beauty boxes",
      "pct": 86,
      "count": 59
    },
    {
      "industry": "Pet subscriptions",
      "pct": 83,
      "count": 36
    },
    {
      "industry": "Telehealth & Rx",
      "pct": 44,
      "count": 54
    },
    {
      "industry": "Telecom & ISP",
      "pct": 36,
      "count": 200
    },
    {
      "industry": "Fitness app",
      "pct": 25,
      "count": 12
    },
    {
      "industry": "Fitness & audio apps",
      "pct": 24,
      "count": 80
    },
    {
      "industry": "E-learning",
      "pct": 22,
      "count": 94
    },
    {
      "industry": "News & publishing",
      "pct": 19,
      "count": 74
    },
    {
      "industry": "Retail & membership",
      "pct": 17,
      "count": 35
    },
    {
      "industry": "Streaming",
      "pct": 17,
      "count": 138
    },
    {
      "industry": "Music & audio",
      "pct": 16,
      "count": 38
    },
    {
      "industry": "Streaming (video)",
      "pct": 14,
      "count": 14
    },
    {
      "industry": "Dating apps",
      "pct": 13,
      "count": 45
    },
    {
      "industry": "AI tools",
      "pct": 12,
      "count": 103
    },
    {
      "industry": "Mental health",
      "pct": 10,
      "count": 20
    },
    {
      "industry": "Software / SaaS",
      "pct": 8,
      "count": 243
    },
    {
      "industry": "Developer tools",
      "pct": 8,
      "count": 26
    },
    {
      "industry": "Analytics",
      "pct": 7,
      "count": 15
    },
    {
      "industry": "Personal finance",
      "pct": 6,
      "count": 52
    },
    {
      "industry": "Travel subscriptions",
      "pct": 6,
      "count": 16
    },
    {
      "industry": "Gaming subscriptions",
      "pct": 6,
      "count": 18
    },
    {
      "industry": "Food delivery memberships",
      "pct": 6,
      "count": 18
    },
    {
      "industry": "Streaming (Video)",
      "pct": 5,
      "count": 22
    },
    {
      "industry": "Home security",
      "pct": 4,
      "count": 25
    },
    {
      "industry": "Web hosting & domains",
      "pct": 0,
      "count": 27
    },
    {
      "industry": "Insurance (auto)",
      "pct": 0,
      "count": 29
    },
    {
      "industry": "Antivirus & VPN",
      "pct": 0,
      "count": 38
    },
    {
      "industry": "Energy & utilities",
      "pct": 0,
      "count": 33
    },
    {
      "industry": "Cloud infrastructure",
      "pct": 0,
      "count": 21
    },
    {
      "industry": "Insurance",
      "pct": 0,
      "count": 24
    },
    {
      "industry": "Video streaming",
      "pct": 0,
      "count": 9
    },
    {
      "industry": "Business formation",
      "pct": 0,
      "count": 8
    },
    {
      "industry": "Fintech / Neobank",
      "pct": 0,
      "count": 12
    },
    {
      "industry": "Fintech & banking",
      "pct": 0,
      "count": 10
    }
  ],
  "freshness": {
    "reference_date": "2026-06-18",
    "fresh_le_30d": 2075,
    "aging_31_90d": 0,
    "stale_gt_90d": 0,
    "unknown": 0
  },
  "no_published_policy": {
    "count": 3,
    "companies": [
      "nessie",
      "plugmotors",
      "unosend"
    ]
  }
}