Figma excludes all indirect and consequential damages, including loss of data, and caps total liability at the greater of $100 or your last 12 months of fees. For free users that means a practical maximum of $100 no matter what goes wrong, the cap survives even if the limited remedy fails its essential purpose, and there is no carve-out for gross negligence or willful misconduct.
By default you give up court, juries, and class actions. Disputes go to binding individual arbitration under California law, the arbitrator decides even whether the clause itself is enforceable, and the clause reaches back to disputes that arose before you accepted. Figma does better than most by offering a clearly explained 30 day written opt-out, plain-language explanations, and remote arbitration, but the class action waiver applies even if you opt out, and non-arbitrated claims must go to courts in San Francisco.
Figma can terminate your access at its sole discretion, at any time, without notice and without liability, and there is no stated appeal process. The blow is softened by a pro rata refund if termination is not your fault and a 30 day window to download your content after termination, but the discretion itself is very broad, and Figma disclaims responsibility for account breaches that 2FA would have prevented.
The indemnity runs only one way. You must cover Figma's losses and legal fees for any third party claim arising from your content or your violation of the terms, and Figma can choose to make you run the defense. Figma gives you no matching indemnity, not even the intellectual property infringement protection that is common in software agreements.
Auto-renewal is disclosed conspicuously in capital letters and you can cancel online through account settings, which meets modern consumer protection expectations. On the other side, fees are non-refundable, seat counts cannot be reduced mid-term, Figma can change prices at any time, and AI credit subscriptions renew monthly on their own schedule, so careless sign-ups can get expensive.
The agreement clearly names the parties, defines the covered services, and puts the arbitration warning in capital letters at the top, which is better notice than most. However, you can be bound just by using the site, the terms also apply to visitors with no account, and many separate policies are pulled in by reference, so the full deal is spread across several documents.
Figma can change the terms and every referenced policy at any time, decides in its sole judgment what counts as a material change, and only promises to try to give advance notice. Continued use counts as acceptance, and your only real option if you disagree is to stop using the service. Figma can also change or discontinue features at any time without notice, though paid users get a migration or refund if the whole service is discontinued.
The terms commit Figma to physical, technical, and administrative security measures, incorporate a Data Processing Addendum, and publish a subprocessor list, which are good signs. Most of the actual privacy detail lives in the separate Privacy Policy that is not part of this document, so this score reflects only what the terms themselves promise.
This is the strongest part of the agreement for you. You keep all rights to your content, and Figma's permission to use it is limited to the sole purpose of running the service. Usage data Figma keeps is limited to de-identified and aggregated form, and AI-related uses of your content are governed by separate settings you can control.