Technology
Visualizing the Length of the Fine Print, for 14 Popular Apps
Terms of Service: The Length of Common Digital Contracts
Do you take the time to read the terms of service before you agree to when downloading the latest app or software?
Of course you do…
The world is awash with apps and internet services that ask potential users to agree to a service agreement. Most people click on ‘agree’ and move on, knowing that reading the service agreements could put them to sleep and defer their favorite internet fix.
Taking inspiration from designer Dima Yarovinsky’s project titled I Agree, today’s post visualizes the length of service agreements, by counting the words and calculating how long it would take users to read each one.
Ain’t Nobody Got Time for That
The average reading speed of most adults is 200 to 250 words per minute (wpm). College students, probably because they are very studious and not skimming, move that pace up to around 300 words per minute. For the sake of this analysis, we calculated reading times based on 240 wpm.
App/Service | Word Count | How many minutes to read? (240 wpm) |
---|---|---|
Microsoft | 15,260 | 63.5 |
Spotify | 8,600 | 35.8 |
Niantic (Pokemon Go) | 8,466 | 35.2 |
TikTok | 7,459 | 31.4 |
Apple (Media Services) | 7,314 | 30.5 |
Zoom | 6,891 | 28.7 |
Tinder | 6,215 | 25.9 |
Slack | 5,782 | 24.1 |
Uber | 5,658 | 23.6 |
5,633 | 23.5 | |
Bumble | 5,442 | 22.7 |
Snapchat | 4,935 | 20.6 |
4,346 | 18.1 | |
4,132 | 17.2 | |
3,459 | 14.4 | |
Amazon | 3,416 | 14.2 |
YouTube | 3,308 | 13.7 |
3,267 | 13.6 | |
Dropbox | 2,704 | 11.3 |
Netflix | 2,628 | 11.0 |
2,451 | 9.7 |
The service agreement for Microsoft stands out at the top of the list with an agreement that would take over an hour to read — a bit less time than it would take to read Shakespeare’s Macbeth. To be fair, this service agreement does seem to cover the company’s entire suite of products.
These agreements are an insight into the legal mumbo jumbo that exists when it comes to regulating the use of these apps. There are a multitude of agreements that go even further into depth about what rules govern developers, online cash transactions and much more. The average American would need to set aside almost 250 hours to properly read all the digital contracts they accept while using online services.
Regardless, users may feel like they are wasting time reviewing a contract that can neither change or refuse—or more vitally, even comprehend.
Not All Text is Equal: The Flesch Reading-Ease Test
Apparently dealing with some of his own textual frustration, a Dr. Rudolf Flesch observed that some text, in particular legal language, appeared to be written to make reading as difficult as humanly possible.
Long sentences filled with arcane words can drag out simple sentences and discourage comprehension. Flesch wanted to measure the variability in reading comprehension — and by studying different kinds of writing, he developed a formula to determine readability and forever scorn lawyers.
In the Flesch Reading-Ease test, higher scores indicate material that is easier to read. Lower numbers mark passages that are more difficult to read. The formula for the Flesch Reading-Ease Score (FRES) test is:
The readability score uses two metrics:
- The numbers of words per sentence
- The number of syllables per word
Based on this score, a text would correspond to a particular education level.
Score | Grade | Avg. Words per sentence | Syllables per 100 words |
---|---|---|---|
100-90 | 5th grade | 8 | 123 |
90.0-80.0 | 6th grade | 11 | 131 |
90.0-70.0 | 7th grade | 14 | 139 |
70.0-60.0 | 8th and 9th grade | 17 | 147 |
60.0-50.0 | 10 to 12th grade | 21 | 155 |
50.0-30.0 | College | 25 | 167 |
30.0-0.0 | College graduate | 29 | 192 |
So how do the service agreements in our sample rank in terms of the Flesch Reading-Ease test?
App/Service | Flesch Reading Ease Score | Equivalent Grade Level |
---|---|---|
56 | 10 to 12th grade | |
56 | 10 to 12th grade | |
54 | 10 to 12th grade | |
54 | 10 to 12th grade | |
Microsoft | 54 | 10 to 12th grade |
Snapchat | 54 | 10 to 12th grade |
Dropbox | 51 | 10 to 12th grade |
Bumble | 50 | College level |
YouTube | 50 | College level |
48 | College level | |
Apple Media Services | 47 | College level |
Tinder | 46 | College level |
Amazon | 45 | College level |
Netflix | 45 | College level |
TikTok | 44 | College level |
Spotify | 44 | College level |
Zoom | 42 | College level |
Uber | 40 | College level |
39 | College level | |
Niantic (Pokemon Go) | 39 | College level |
Slack | 36 | College level |
While not the most difficult to read, they definitely include a fair amount of legalese that helps discourage reading. The length and the difficulty of reading these agreements makes them practically useless to the average person.
This is a problem because it undermines basic concepts of contracts and informed consent. Users are giving up their rights without their knowledge.
Terms of Service: You Are the Product
These apps and software are the forefront of the data collection for a multi-billion dollar industry.
Individual user activity and information get easily collected and stored, creating databases of user patterns. This type of behavioral information makes marketers salivate, allowing them target their products to their ideal audience at lower costs than traditional advertising.
Do you know what you have agreed to?
Markets
Charted: What are Retail Investors Interested in Buying in 2023?
What key themes and strategies are retail investors looking at for the rest of 2023? Preview: AI is a popular choice.

Charted: Retail Investors’ Top Picks for 2023
U.S. retail investors, enticed by a brief pause in the interest rate cycle, came roaring back in the early summer. But what are their investment priorities for the second half of 2023?
We visualized the data from Public’s 2023 Retail Investor Report, which surveyed 1,005 retail investors on their platform, asking “which investment strategy or themes are you interested in as part of your overall investment strategy?”
Survey respondents ticked all the options that applied to them, thus their response percentages do not sum to 100%.
Where Are Retail Investors Putting Their Money?
By far the most popular strategy for retail investors is dividend investing with 50% of the respondents selecting it as something they’re interested in.
Dividends can help supplement incomes and come with tax benefits (especially for lower income investors or if the dividend is paid out into a tax-deferred account), and can be a popular choice during more inflationary times.
Investment Strategy | Percent of Respondents |
---|---|
Dividend Investing | 50% |
Artificial Intelligence | 36% |
Total Stock Market Index | 36% |
Renewable Energy | 33% |
Big Tech | 31% |
Treasuries (T-Bills) | 31% |
Electric Vehicles | 27% |
Large Cap | 26% |
Small Cap | 24% |
Emerging Markets | 23% |
Real Estate | 23% |
Gold & Precious Metals | 23% |
Mid Cap | 19% |
Inflation Protection | 13% |
Commodities | 12% |
Meanwhile, the hype around AI hasn’t faded, with 36% of the respondents saying they’d be interested in investing in the theme—including juggernaut chipmaker Nvidia. This is tied for second place with Total Stock Market Index investing.
Treasury Bills (30%) represent the safety anchoring of the portfolio but the ongoing climate crisis is also on investors’ minds with Renewable Energy (33%) and EVs (27%) scoring fairly high on the interest list.
Commodities and Inflation-Protection stocks on the other hand have fallen out of favor.
Come on Barbie, Let’s Go Party…
Another interesting takeaway pulled from the survey is how conversations about prevailing companies—or the buzz around them—are influencing trades. The platform found that public investors in Mattel increased 6.6 times after the success of the ‘Barbie’ movie.
Bud Light also saw a 1.5x increase in retail investors, despite receiving negative attention from their fans after the company did a beer promotion campaign with trans influencer Dylan Mulvaney.
Given the origin story of a large chunk of American retail investors revolves around GameStop and AMC, these insights aren’t new, but they do reveal a persisting trend.
-
Energy3 weeks ago
What Electricity Sources Power the World?
-
Technology1 week ago
Which Companies Own the Most Satellites?
-
Markets3 weeks ago
The 25 Worst Stocks by Shareholder Wealth Losses (1926-2022)
-
Mining7 days ago
200 Years of Global Gold Production, by Country
-
Technology3 weeks ago
Visualizing Google’s Search Engine Market Share
-
Maps6 days ago
Mapped: How Much Does it Take to be the Top 1% in Each U.S. State?
-
Money2 weeks ago
Visualized: How Long Does it Take to Double Your Money?
-
Markets6 days ago
Charted: What are Retail Investors Interested in Buying in 2023?