If you do not agree to the terms, you are not supposed to use the service.
If you are going to complain about the terms actually applying to you, go ahead, but prepare to get laughed out of court.
Or maybe you are correct, in which case, stop paying your mortgage, and claim you never read the paperwork.
If you are correct, there will probably be copious examples of people walking away from contracts unscathed. And people successfully suing companies for claims that are explicitly waived in the ToS.
Those examples will be pouring in any moment, I'm sure. I'll try to prepare myself for the embarrassment.
My argument is not that these services are ethical. It is the opposite. They are parasitic trash heaps.
However, you should have figured that out the moment you read the contract. And then declined the service. Instead of clicking Agree.
Stop chasing the shiny new free services off cliffs like lemmings.
Make sure to tell your lawyer that contracts you failed to read don't actually apply.
Then report back.
If you do not agree to the terms, you are not supposed to use the service.
If you are going to complain about the terms actually applying to you, go ahead, but prepare to get laughed out of court.
Or maybe you are correct, in which case, stop paying your mortgage, and claim you never read the paperwork.
If you are correct, there will probably be copious examples of people walking away from contracts unscathed. And people successfully suing companies for claims that are explicitly waived in the ToS.
Those examples will be pouring in any moment, I'm sure. I'll try to prepare myself for the embarrassment.