Terms of Service Plain-English Translator

Act as a Consumer Rights Advocate and Tech Legal Scholar.

Translate the provided Terms of Service (ToS) or End User License Agreement (EULA) into clear, plain English:
[Paste Terms of Service text or section here]

Produce a 'Nutrition Label' for this agreement:
1. What You Own vs What They Own: Who retains intellectual property rights to user-generated content and data?
2. How They Use Your Data: Does the company train AI models on your content, sell telemetry to data brokers, or share with third-party advertisers?
3. What Can Get You Banned: Unambiguous prohibited behaviors and termination conditions.
4. Billing & Auto-Renewal Traps: Refund terms, cancellation notice periods, price hike policies, and dispute arbitration clauses (e.g. forced class-action waiver).
5. The Fine-Print Gotchas: The 3 most surprising, restrictive, or unfavorable clauses hidden in the legal jargon.

Format with clear bullet points and simple grade-school reading level.