I have started making it a habit to read all Terms of Service and EULAs before accepting them, and particularly with financial stuff at stake, like opening a ne

I have started making it a habit to read all Terms of Service and EULAs before accepting them, and particularly with financial stuff at stake, like opening a new account I need to read all the disclosures. Those financial agreements I've found to be comparatively well-written. I also have occasion to sign off on a lot of health care-related agreements, and I find these to be very difficult: it's an emotional flashpoint for me, the documents are often presented in times of stress and the signature is extracted under some sort of duress. Firstly, the health care facilities (and banks and others) now uniformly use electronic signature pads and they don't like to print the documents anymore. But if you insist, they will print them. This is a good pro forma procedure to force them to correlate what you're signing what what you've (presumably) read. But I've also found that it's nearly pointless to make a fuss about reading what you sign, because there's always a Swiss cheese of loopholes and convoluted phrasing that will confuse you. Once a few years ago, I "carefully" read and signed off on a 3-page document for release of records, but no records were produced. (It failed silently, and the onus was on me to follow up.) Upon investigation, I found that the health care professional had prepared the document for me to authorize me to release records to me (rather than for the facility to release the facility's records to me). I attribute this to malice on his part - he was a jerk, and of course even after I read this document with a glaring error, I didn't catch it, either. Nevertheless, don't let anyone shove an electronic signature pad in your hand before you've made an effort to read what you sign. I've found it useful to read EULAs and TOS, though, for the simple fact that they include policies & procedures in case of dispute. If you have trouble with a service, you're supposed to know the steps for resolution, and if you haven't followed them, the service isn't under any obligation to hold your hand and walk you through it. The document often includes essential email and postal contact addresses, and I guarantee that you'll never find those contact addresses ever again if you don't print/save that document before ticking the "I agree" checkbox. So I highly encourage you to make a folder in your cloud storage, or on your phone, and make liberal use of "Save/Print as PDF" for every TOS, EULA, and legal document that you sign or agree to. Eventually, you'll get into a situation, and you'll be thankful that you have recourse to the document you signed.