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You agree to indemnify Skype if claims are brought against you by a third party

Per Skype's terms: "If any third party brings a claim against Skype in connection with, or arising out of (i) your breach of these Terms; (ii) your breach of any applicable law of regulation; (iii) your infringement or violation of the rights of any third parties (including intellectual property rights); (iv) your User Submissions or (v) your complaint in relation to any User Submission, you will indemnify and hold Skype harmless from and against all damages, liability, loss, costs and expenses (including reasonable legal fees and costs) related to such claim."

Topic: Law enforcement and due process

Terms may be changed any time at their discretion, without notice to the user

They can change the terms of service any time they see fit, even without notification to the user. Your use of the service supposedly constitutes acceptance of the changes in the terms.

Topic: Changes

Skype, through Microsoft, uses cookies to obtain numerous types of personal data for purposes including advertising

Per Microsoft's terms: "Microsoft uses cookies (small text files placed on your device) and similar technologies to provide our websites and online services and to help collect data. The text in a cookie often consists of a string of numbers and letters that uniquely identifies your computer, but it can contain other information as well. " For example, "When you provide information, or add products to a shopping cart when shopping on Microsoft websites, we store the data in a cookie to remember the products and information you have added," the terms state. For advertising, "Microsoft uses cookies to collect data about your online activity and identify your interests so that we can provide advertising that is most relevant to you. " There is an opt-out provision.

Topic: Cookies

Skype, through Microsoft, allows for third parties to track you through cookies when you visit Microsoft sites

Per Microsoft's terms, "In addition to the cookies Microsoft sets when you visit our websites, third parties may also set cookies when you visit Microsoft sites. In some cases, that is because we have hired the third party to provide services on our behalf, such as site analytics. In other cases, it is because our web pages contain content or ads from third parties, such as videos, news content or ads delivered by other ad networks. Because your browser connects to those third parties' web servers to retrieve that content, those third parties are able to set or read their own cookies on your device and may collect information about your online activities across websites or online services."

Topic: Cookies

Skype, through Microsoft, can track your behavior through technologies used to store and read data files on your computer

Per Microsoft's terms: "In addition to standard cookies and web beacons, our products can also use other similar technologies to store and read data files on your computer. This is typically done to maintain your preferences or to improve speed and performance by storing certain files locally. But, like standard cookies, these technologies can also be used to store a unique identifier for your computer, which can then be used to track behavior. These technologies include Local Shared Objects (or "Flash cookies") and Silverlight Application Storage."

Topic: Cookies

You waive your right to participate in class action lawsuits regarding Skype's payment system

Specific to accounts based in the United States, Skype's terms stipulate: "If you and a Disputed Party do not resolve any dispute by informal negotiation or in small claims court, any other effort to resolve the dispute will be conducted exclusively by binding arbitration... You are giving up the right to litigate (or participate in as a party or class member) all disputes in court before a judge or jury. Instead, all disputes will be resolved before a neutral arbitrator..." Regarding Skype's class action waiver, the terms state the following: "Any proceedings to resolve or litigate any dispute in any forum will be conducted solely on an individual basis. Neither you nor a Disputed Party will seek to have any dispute heard as a class action, private attorney general action, or in any other proceeding in which either party acts or proposes to act in a representative capacity. No arbitration or proceeding will be combined with another without the prior written consent of all parties to all affected arbitrations or proceedings."

Topic: Law enforcement and due process