Ordinarily, ToS do meet all the requirements of a contract. Both sides assent to certain promises. They make an offer of the terms and you accept it by checking

Ordinarily, ToS do meet all the requirements of a contract. Both sides assent to certain promises. They make an offer of the terms and you accept it by checking the box or whatever like they ask. That's what a contract is: https://matthewminer.name/law/outlines/1L/1st+Semester/LAW+505-002+%E2%80%93+Contracts+I/#assent-1 https://matthewminer.name/law/outlines/1L/1st+Semester/LAW+5... Even where you don't make the account, a court would assumedly find she agreed to the contract by virtue of quantum meruit by consenting to have you make it and her continuing to use the account. If you sign your mom up for a credit card in her name, what makes her have to repay the debt if she uses it?