"There should be some terms under which you are interacting" - sure, and those default terms are defined by the law. The company should not get the ability to h

"There should be some terms under which you are interacting" - sure, and those default terms are defined by the law. The company should not get the ability to have users automatically forfeit rights that they have (such as the right to dispute claims in court instead of arbitration, as in this particular case) by unilaterally putting something in their terms and conditions. Nonnegotiated contracts of adhesion with consumers can and should be limited in their scope, what clauses are permissible there and what are not.