Explain the [terms of service / privacy policy] for [app or service] (pasted below or at [URL]) for a normal user.

Cover:
1. What I'm agreeing to, in 5 bullets.
2. Data: what's collected, what's shared and with whom, how long it's kept, and how to delete it.
3. Money: auto-renewal, cancellation, refunds, price changes.
4. Rights I give up or limit (arbitration, class-action waivers, content licenses), each with the quoted clause.
5. Anything unusual compared with typical policies for this kind of service.
6. Settings I should change after signing up, if the policy mentions them.

Quote section numbers. If the document doesn't say something, write "not stated".

[paste text, if not using a URL]