Wilkins v. Cruise, LLC

Filed 7/14/26 CERTIFIED FOR PUBLICATION IN THE COURT OF APPEAL OF THE STATE OF CALIFORNIA FIRST APPELLATE DISTRICT DIVISION ONE GINO WILKINS, Plaintiff and Respondent, A173832 v. CRUISE, LLC, et al., (San Francisco City & County Super. Ct. No. CGC25622344) Defendants and Appellants. Plaintiff Gino Wilkins sued Cruise, LLC and two related General Motors entities (GM) after he was injured during a ride in an autonomous vehicle. At the time, Wilkins was employed by Cruise. But he was not working when he was injured; rather, he was using the ride-hailing service as a Cruise customer. Defendants moved to compel arbitration on the basis of an arbitration provision in Wilkins’ employment agreement and an arbitration provision in the Terms of Service to which Wilkins assertedly agreed in connection with his online customer account required to use Cruise ride-hailing services. The trial court denied the motion. We conclude the Cruise user account sign-in wrap agreement to its Terms of Service is enforceable and the “third party” exception allowing for the denial of arbitration set forth in Code of Civil Procedure section 1281.2, subdivision (c) is inapplicable, and therefore reverse. 1  BACKGROUND 1 Online Contracting Generally “ ‘ “ ‘[G]eneral principles of [our state’s] contract law determine whether the parties have entered a binding agreement to arbitrate.’ ” [Citation.] “Mutual assent, or consent, of the parties ‘is essential to the existence of a contract’ [citations], and ‘[c]onsent is not mutual, unless the parties all agree upon the same thing in the same sense’ [citation]. ‘Mutual assent is determined under an objective standard applied to the outward manifestations or expressions of the parties, i.e., the reasonable meaning of their words and acts, and not their unexpressed intentions or understandings.’ ” [Citations.]’ (B.D. v. Blizzard Entertainment, Inc. (2022) 76 Cal.App.5th 931, 943 & fn. 7 . . . (Blizzard Entertainment, Inc.).) Put differently, ‘ “notice—actual, inquiry, or constructive—is the touchstone for assent to a contract.” ’ (Blizzard Entertainment, Inc., at p. 944.)” (Cruz v. Tapestry, Inc. (2025) 113 Cal.App.5th 943, 951, fn. omitted (Cruz).) Basic “ ‘consent principles apply “with equal force to arbitration provisions contained in contracts purportedly formed over the Internet.” [Citations.] “While Internet commerce has exposed courts to many new situations, it has not fundamentally changed the requirement that ‘ “[m]utual manifestation of assent, whether by written or spoken word or by conduct, is the touchstone of contract.” ’ ” [Citation.]’ (Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at p. 943.) ‘ “[W]hen transactions occur over the internet, there is no face-to-face contact and the consumer is not typically provided a physical copy of the contractual terms. . . .” [Citations.] . . . “[I]n 1Before discussing the salient facts, which are undisputed, we provide a summary of the general law pertinent to contracts assertedly created through the online purchase of goods and services. 2 order to establish mutual assent for the valid formation of an internet contract, a provider must first establish the contractual terms were presented to the consumer in a manner that made it apparent the consumer was assenting to those very terms when checking a box or clicking on a button.” [Citation.]’ (Id. at p. 944.)” (Cruz, supra, 113 Cal.App.5th at pp. 951–952.) In Internet contracting, “a manifestation of assent may be inferred from the consumer’s actions on the website—including, for example, checking boxes and clicking buttons—but any such action must indicate the parties’ assent to the same thing, which occurs only when the website puts the consumer on constructive notice of the contractual terms.” (Sellers v. JustAnswer LLC (2021) 73 Cal.App.5th 444, 461 (Sellers); accord, Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at p. 944.) “ ‘Most courts . . . have identified at least four types of internet contract formation, most easily defined by the way in which the user purportedly gives their assent to be bound by the associated terms: browsewraps, clickwraps, scrollwraps, and sign-in wraps.’ ” (Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at p. 945, quoting Sellers, supra, 73 Cal.App.5th at p. 463; accord, Cruz, supra, 113 Cal.App.5th at pp. 954–955.) “ ‘ “A ‘browsewrap’ agreement is one in which an internet user accepts a website’s terms of use merely by browsing the site.” ’ (Sellers, supra, 73 Cal.App.5th at p. 463.) ‘ “ ‘. . . [A] browsewrap agreement does not require the user to manifest assent to the terms and conditions expressly. . . [.] [A] party instead gives his assent simply by using the website,’ ” ’ which typically contains a hyperlink somewhere on the page leading to a separate page containing the terms of use to which the owner intends to bind the user. (Long [v. Provide Commerce, Inc. (2016)] 245 Cal.App.4th [855,] 862 . . . , quoting Nguyen v. Barnes & Noble Inc. (9th Cir. 2014) 763 F.3d 1171, 1176 3 (Nguyen).) ‘ “Thus, ‘by visiting the website—something that the user has already done—the user agrees to the Terms of Use not listed on the site itself but available only by clicking a hyperlink.’ ” ’ (Long, at p. 862, quoting Nguyen, at p. 1176.)” (Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at p. 945.) A “ ‘ “ ‘clickwrap’ agreement is one in which an internet user accepts a website’s terms of use by clicking an ‘I agree’ or ‘I accept’ button, with a link to the agreement readily available.” ’ ” (Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at p. 945, quoting Sellers, supra, 73 Cal.App.5th at p. 463.) “ ‘ “A ‘scrollwrap’ agreement is like a ‘clickwrap,’ but the user is presented with the entire agreement and must physically scroll to the bottom of it to find the ‘I agree’ or ‘I accept’ button. . . .” ’ ” (Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at p. 945, quoting Sellers, supra, 73 Cal.App.5th at pp. 463–464.) “Finally, a ‘sign-in wrap’ agreement is a ‘blend’ or ‘ “hybrid” ’ of browsewrap and clickwrap agreements. (Colgate v. JUUL Labs, Inc. (N.D.Cal. 2019) 402 F.Supp.3d 728, 763.) ‘ “ ‘Sign-in-wrap’ agreements are those in which a user signs up to use an internet product or service, and the sign-up screen states that acceptance of a separate agreement is required before the user can access the service. While a link to the separate agreement is provided, users are not required to indicate that they have read the agreement’s terms before signing up.” [Citations.] Instead, “the website is designed so that a user is notified of the existence and applicability of the site’s ‘terms of use’ [usually by a textual notice] when proceeding through the website’s sign-in or login process.” ’ ” (Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at pp. 945–946, quoting Sellers, supra, 73 Cal.App.5th at p. 464.) 4  Courts typically enforce clickwrap transactions. (Chabolla v. ClassPass Inc. (9th Cir. 2025) 129 F.4th 1147, 1154 (Chabolla); see Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at p. 946 [observing federal courts generally find “scrollwrap and clickwrap agreements to be enforceable”].) On the other hand, courts typically decline to enforce browsewrap transactions, in which a website claims that the user has agreed to its terms of use merely by browsing its site. (Blizzard Entertainment, Inc., at p. 946; Chabolla, at p. 1154.) Sign-in wrap transactions exist “somewhere in the middle: the website provides a link to terms of use and indicates that some action may bind the user but does not require that the user actually review those terms.” (Chabolla, supra, 129 F.4th at p. 1154.) “Given the present state of California law, website designers who knowingly choose sign-in wrap . . . over clickwrap and scrollwrap designs practically invite litigation over the enforceability of their sites’ terms and conditions, as the fact-intensive inquiry over what ‘makes a given textual notice sufficiently conspicuous . . . invariably lends itself to a more subjective than objective analysis.’ ” (Berman v. Freedom Financial Network, LLC (9th Cir. 2022) 30 F.4th 849, 868, fn. 4 (Berman) (conc. opn. of Baker, J.).) Nevertheless, a sign-in wrap agreement is enforceable if “ ‘(1) the website provides reasonably conspicuous notice of the terms to which the consumer will be bound; and (2) the consumer takes some action, such as clicking a button or checking a box, that unambiguously manifests his or her assent to those terms.’ ” (Keebaugh v. Warner Bros. Entertainment Inc. (9th Cir. 2024) 100 F.4th 1005, 1014; see, e.g., Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at pp. 950–951 [sign-in wrap agreement provided “sufficiently conspicuous notice” of license agreement and arbitration provision therein].) 5  “Although these designations are relevant in assessing whether notice of an agreement is sufficiently conspicuous to bind consumers . . . , ‘it is the degree of notice provided, not the label, that is determinative.’ ” (Cruz, supra, 113 Cal.App.5th at p. 954, quoting Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at p. 950.) The Trial Court Arguments and Ruling on the Motion to Compel Arbitration In moving to compel arbitration, defendants maintained Cruise’s online user agreement was of the sign-in wrap variety. They further asserted that prior to his injury, Wilkins had agreed to the Cruise Terms of Service then in effect, and the arbitration provision therein, by clicking on “an arrow in a conspicuous orange circle” at the bottom of a cell phone screen that provided clear notice of the terms and an obvious hyperlink to review them. Defendants submitted a copy of the five cell phone screens “of the sign- up process required for riders to obtain access to the Cruise Mobile App during the relevant time period”—the second of which was the pivotal screen referencing the Terms of Service. The top half of that screen contained a simple line-drawn cartoon of a person holding a document. Immediately underneath, in the middle of the screen, was the following language: “By continuing, you agree to our Terms & Privacy Policy and confirm you are at least 18 years old. “To learn more, please read our Terms of Service and Privacy Policy.” 2 Underneath these two sentences, and at the bottom of the screen, was a very noticeable orange circle with a white arrow in it. 2 “Terms of Service” and “Privacy Policy” were in orange print. 6  Clicking on the circle with the arrow took the user to the next screen which stated at the top: “How would you like to pay? “You’ll only be charged after your ride.” Under this language there were shaded boxes to be completed with payment information. Defendants also submitted a copy of the applicable Cruise Terms of Service, printed on 9 1/2 by 11-inch paper, that would have been accessed by clicking on the orange Terms of Service hyperlink. Defendants pointed out that at the bottom of the first of the ten 8 1/2 by 11 inch pages, there were two admonitions in bold: “Please read this Agreement carefully, as it constitutes a legally-binding contract between you and Cruise,” and “Please note that Section 5 contains an arbitration agreement and class action waiver that requires you to resolve all claims you may have against Cruise, with some exceptions, in individual binding arbitration. Please read this Section 5 carefully.” In opposition to the motion, Wilkins argued there “are two types of online agreements”—“ ‘Clickwrap’ agreements’ ” that “require users to affirmatively click a button or check a box indicating their assent to the terms and conditions before they can proceed” and “ ‘browsewrap’ agreements” which “involve terms posted via a hyperlink” and “do not require any affirmative manifestation of assent from the user.” (Fn. omitted.) Asserting “California courts view ‘browsewrap’ agreements with great suspicion,” Wilkins maintained Cruise had presented users with a browsewrap agreement. Wilkins also argued defendants “fail[ed] to introduce the actual alleged agreement” (italics & boldface omitted) and, instead, had provided a copy of the Cruise Terms of Service printed on 8 1/2 by 11-inch 7 paper, rather than providing screen shots of how the Terms of Service would have looked on a cell phone. Wilkins therefore created and submitted an exhibit depicting how the Terms of Service would have looked on a cell phone screen. This resulted in 31 screens, with the arbitration admonitions appearing on the third screen and the arbitration provision, itself, beginning on the twelfth screen. 3 Wilkins additionally argued the arbitration provision was “ambiguous.” The trial court ruled defendants had failed to satisfy their “burden of showing that plaintiff agreed to the arbitration provisions” in the Cruise Terms of Service, citing solely to Herzog v. Superior Court (2024) 101 Cal.App.5th 1280 (Herzog). The court called the case “highly instructive” and chastised both parties for not having cited it. “Per the analysis” in that case, the court made a “factual finding” that “continuing with the Cruise sign-up process . . . did not provide a reasonably prudent user with sufficient information to [u]nderstand that he or she was agreeing to anything other than procedures on using a Cruise vehicle and privacy matters.” 3 In his respondent’s brief, Wilkins argued for the first time that defendants’ showing was also deficient in an entirely different respect, namely that they failed to establish what Wilkins saw on his cell phone, or could have seen on his cell phone, when he first signed up for a Cruise account in January 2022. Instead, defendants had focused on what Wilkins would have seen in June 2022, when, according to Cruise records, he agreed to the Terms of Service operative at the time of the May 2023 accident. Wilkins also complained for the first time that defendants’ supporting declaration of their attorney with attachments pertaining to June 2022 was based “ ‘on information and belief.’ ” Having failed to raise these complaints in the trial court, we deem the belated arguments forfeited. (See In re D.P. (2023) 92 Cal.App.5th 1282, 1292 [“a litigant forfeits an appellate argument by failing to raise it before the trial court”]; Bitner v. Department of Corrections & Rehabilitation (2023) 87 Cal.App.5th 1048, 1065 [“Having failed to raise or develop this issue in the trial court, plaintiffs cannot raise the issue for the first time on appeal.”].) 8 Alternatively, even if the Terms of Service were enforceable, the court ruled they did not apply to the defendant “GM entities,” and therefore arbitration would not be ordered under Code of Civil Procedure section 1281.2, subdivision (c), to avoid inconsistent rulings. 4 DISCUSSION The Cruise Agreement Is a “Sign-in Wrap” Agreement We first consider whether this case involves a “sign-in wrap” agreement as defendants maintain, or a “browsewrap” agreement as Wilkins claims. While the appropriate designation is not determinative, it provides, as the case law recognizes, a helpful framework to resolve whether or not the parties created an enforceable online agreement. (See, e.g., Cruz, supra, 113 Cal.App.5th at p. 954 [form of agreement is “relevant” but not determinative]; Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at p. 950 [same].) Wilkins was incorrect in arguing to the trial court that “there are two types of online agreements.” As we have discussed, as the case law in this area has developed, courts have recognized nuances in the context, graphics, and mechanics of online contracting and now recognize four general categories of such contracts. As now characterized by the courts, including two of the leading California cases on online contracting, the Cruise agreement is best described as a sign-in wrap agreement. (See Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at pp. 944–946, 950; Sellers, supra, 73 Cal.App.5th at pp. 463–466.) Elaborating further, “ ‘[s]ign-in wrap agreements . . . include a textual notice indicating the user will be bound by the terms, but they do not require 4 All further statutory references are to the Code of Civil Procedure unless otherwise indicated. 9 the consumer to review those terms or to expressly manifest their assent to those terms by checking a box or clicking an “I agree” button. Instead, the consumer is purportedly bound by clicking some other button that they would otherwise need to click to continue with their transaction or their use of the website—most frequently, a button that allows the consumer to “sign in” or “sign up” for an account. Thus, it is not apparent that the consumer is aware that they are agreeing to contractual terms simply by clicking some other button. Instead, “the consumer’s assent is ‘largely passive,’ ” and the existence of a contract turns “ ‘on whether a reasonably prudent offeree would be on inquiry notice of the terms at issue.’ ” ’ ” (Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at p. 946, quoting Sellers, supra, 73 Cal.App.5th at p. 471.) “The Sellers court observed that federal courts have generally upheld sign-in wrap agreements, ‘perhaps in part because the transactions at issue in [those] cases . . . mostly involve a consumer signing up for an ongoing account and, thus, it is reasonable to expect that the typical consumer in that type of transaction contemplates entering into a continuing, forward-looking relationship.’ (Sellers, supra 73 Cal.App.5th at p. 471.) But, beyond this commonality, the Sellers court noted ‘some important limitations of the current state of the law in these federal cases.’ ” (Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at p. 946, quoting Sellers, at p. 472.) “First, ‘[b]ecause the threshold issue of the existence of a contract is for the courts to decide, the issue of conspicuousness is typically characterized as a question of law.’ (Sellers, supra, 73 Cal.App.5th at p. 473.) But in deciding this issue, courts are actually undertaking ‘a fact-intensive inquiry’ of ‘largely subjective’ criteria, such as the size, color, contrast, and location of any text notices; the obviousness of any hyperlinks; and overall screen ‘clutter.’ (Ibid.) 10 Not surprisingly, then, the Sellers court observed that different federal courts have reached ‘seemingly inconsistent results’ (ibid.) about the conspicuousness of ‘essentially the same . . . sign-up webpages’ (id. at p. 474, citing Metter v. Uber Technologies, Inc. (N.D.Cal., Apr. 17, 2017, No. 16-CV- 06652-RS) 2017 WL 1374579, at p. *3 [finding Uber’s sign-in wrap sufficiently conspicuous] and Cullinane v. Uber Technologies, Inc. (1st Cir. 2018) 893 F.3d 53, 63 [finding Uber’s sign-in wrap not sufficiently conspicuous]).” (Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at pp. 946–947.) “Second, the Sellers court noted that, because the ‘courts have relied on similarly, subjective views about the experience, knowledge, and skill level of the “typical” online consumer’ (Sellers, supra, 73 Cal.App.5th at p. 474), ‘it is more appropriate to focus on the providers, which have complete control over the design of their websites and can choose from myriad ways of presenting contractual terms to consumers online’ to ‘eliminate any uncertainty as to the consumer’s notice of contractual terms and assent to those very terms’ (id. at pp. 475–476).” (Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at p. 947.) “In this respect, ‘the transactional context is an important factor to consider and is key to determining the expectations of a typical consumer.’ (Sellers, supra, 73 Cal.App.5th at p. 481.) Thus, ‘when the transaction is one in which the typical consumer would not expect to enter into an ongoing contractual relationship,’ such as buying a single flower arrangement or pair of socks, downloading free software, or signing up for a free trial, the consumer ‘is less likely to be looking for’ contractual terms. (Id. at p. 476. . . .) ‘By contrast, the majority of the federal cases finding an enforceable sign-in wrap agreement involve continuing, forward-looking 11 relationships.’ (Sellers, at p. 476; see, e.g., Meyer v. Uber Technologies, Inc. (2d Cir. 2017) 868 F.3d 66, 80 (Meyer) [‘The registration process clearly contemplated some sort of continuing relationship between the putative user and Uber, one that would require some terms and conditions, and the Payment Screen provided clear notice that there were terms that governed that relationship.’].)” (Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at p. 947.) A Reasonably Prudent User Would Have Been on Inquiry Notice of the Cruise Terms of Service We turn now to whether Cruise’s sign-in wrap agreement provided sufficiently conspicuous notice of the Terms of Service to create an enforceable agreement. “ ‘To be conspicuous, [the] notice “must be displayed in a font size and format such that the court can fairly assume that a reasonably prudent Internet user would have seen it.” ’ ” (Chabolla, supra, 129 F.4th at p. 1155.) Doing so involves an inquiry related to the visual aspect of the notice (including a review of the “ ‘font size, text placement, and overall screen design’ ”) as well as the “ ‘context of the transaction.’ ” (Ibid.) “The nature of the service or goods offered and the visual aspects of every page of a multi- page transaction should be considered together.” (Ibid.; see Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at pp. 950–954.) And in that regard, “ ‘[w]ebsite users are entitled to assume that important provisions— such as those that disclose the existence of proposed contractual terms—will be prominently displayed, not buried in fine print.’ ” (Cruz, supra, 113 Cal.App.5th at p. 952, quoting Berman, supra, 30 F.4th at p. 857.) Because online providers have complete control over the design of their 12 websites, the onus must be on website owners to put users on notice of the terms to which they wish to bind consumers. (See Cruz, at p. 952.) “ ‘[A] webpage must take steps “to capture the user’s attention and secure [his or] her assent [to the terms at issue],” ’ instead of utilizing a design that ‘draw[s] the user’s attention away from’ notice of those terms. (Berman, [supra, 30 F.4th] at p. 857; see id. at p. 858 [noting that a website must ‘adequately call to [the consumer’s] attention . . . the existence of the terms and conditions’].)” (Cruz, supra, 113 Cal.App.5th at p. 952.) There is “no bright-line test for finding that a particular design element is adequate in every circumstance. [Courts] must instead consider how those design elements appear on the page.” (Chabolla, supra, 129 F.4th at pp. 1156– 1157.) In short, because “ ‘ “ ‘the consumer’s assent [to a sign-in wrap agreement] is “largely passive,” ’ . . . the existence of a contract turns ‘ “on whether a reasonably prudent offeree would be on inquiry notice of the terms at issue.” ’ ” [Citation.]’ (Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at p. 946.)” (Cruz, supra, 113 Cal.App.5th at p. 955.) As we have recited, in concluding Cruise’s sign-in wrap agreement was not enforceable, the trial court relied solely on Herzog. Herzog is not, however, the “highly instructive” authority the trial court perceived it to be. To begin with, while the trial court assertedly made a “factual finding” that “continuing with the Cruise sign-up process . . . did not provide a reasonably prudent user with sufficient information to [u]nderstand that he or she was agreeing to anything other than procedures on using a Cruise vehicle and privacy matters,” whether Cruise’s sign-in wrap process bound users to the Terms and Conditions is a legal question we consider de novo. (Cruz, supra, 113 Cal.App.5th at pp. 953–954; Blizzard Entertainment, Inc., 13 supra, 76 Cal.App.5th at p. 949 [“ ‘Where . . . the trial court denies a petition to compel arbitration based on the threshold issue of the existence of a contract, and the evidence of the alleged contract formation consists primarily of undisputed screenshots of the website at issue, our review is de novo.’ ” Quoting Sellers, supra, 73 Cal.App.5th at p. 462.].) Herzog also involved significantly different facts and employed an ambiguity analysis not applicable here. Specifically, the Herzog court considered a “clickwrap” agreement associated with the launch of an app for online glucose monitoring that could be, but was not required to be, used in conjunction with a blood glucose monitoring device a customer would previously have purchased. (Herzog, supra, 101 Cal.App.5th at pp. 1286, 1288.) Before launching the app, the purchaser had to set up an online account with the manufacturer of the device. (Id. at p. 1289.) To launch the app, the user was required to provide their username and password and then click the “ ‘Login’ ” button. (Ibid.) The next screen, titled “ ‘Legal,’ ” contained a paragraph of language followed by two boxes, one adjacent to the phrase “ ‘I agree to Terms of Use’ ” and the other adjacent to the phrase “ ‘I agree to Privacy Policy.’ ” (Id. at pp. 1289–1290.) These phrases were hyperlinked to separate webpages setting forth, respectively, the Terms of Use and the Privacy Policy. (Id. at p. 1290.) The two boxes had to be checked (by clicking) in order to click on the “ ‘Submit’ ” button immediately below the boxes. But users were not required to click on the hyperlinks before clicking on the submit button. (Ibid.) The Herzog majority did not conclude that the log-in screen or the “ ‘Legal’ ” screen were beset with visual distractions, or that the “ ‘I agree to Terms of Use’ ” and “ ‘I agree to Privacy Policy’ ” language was in too small a font, or in too obscuring a color, to be readily noticeable. Rather, the problem 14 the majority identified was created by the language of the paragraph that appeared just above the two boxes. That paragraph stated: “ ‘You understand and agree that your use of this website or any DexCom Inc. mobile application or software platform for your DexCom continuous glucose monitor is subject to the Terms of Use, Privacy Policy and any other acknowledgements listed below. By ticking the boxes below you understand that your personal information, including your sensitive health information, will be collected, used and shared consistently with the Privacy Policy and Terms of Use. You further understand that personal information and sensitive personal information will be stored and processed by DexCom, Inc., and/or its affiliate, SweetSpot Diabetes Care, Inc. in the United States, which may have different data protection laws than the country in which you reside.’ ” (Herzog, supra, 101 Cal.App.5th at p. 1297, boldface added.) The majority concluded the repeated references to personal information and sensitive health information, and the reference to privacy and data protection laws, rendered the two boxes and adjacent phrases immediately below the paragraph, ambiguous. “A user would have no reason to believe, given the context of the transaction and the content of the text on the ‘Legal’ screen, that by clicking the checkbox next to ‘I agree to Terms of Use’ they were entering an agreement that concerned any matters other than the scope of the user’s privacy waiver and management of the user’s personal information.” (Herzog, supra, 101 Cal.App.5th at p. 1298; id. at p. 1297 [“We cannot conclude that a reasonably prudent user in the position of plaintiffs would understand after reading this text that the Terms of Use were intended to govern any matters other than the scope of the user’s waiver of privacy rights and the management of the user’s personal information.”]; id. at p. 1299 [paragraph “told users the agreement they were entering pertained only to the collection, use, sharing, storing, and processing of their personal information, including sensitive personal information and sensitive health 15 information. By doing so, it limited the scope of users’ inquiry notice to those subject matters.”].) The Herzog majority also focused on the fact it was not considering the creation of an online account, but instead was considering “the initial launch” of an optional app. (Herzog, supra, 101 Cal.App.5th at p. 1303.) The app “launch was a transaction separate from the transactions the user had already completed in order to acquire the [monitoring device]. Users would have no reason to anticipate encountering during the app launch new contractual terms governing their use of . . . a device they had already acquired with their medical provider’s prescription.” (Id. at p. 1300.) The majority went on to distinguish cases involving “user accounts” that “served as platforms for recurring financial transactions—that is, exchanges of money for goods (‘Loot Boxes’) or services (Uber rides). (See Meyer[, supra, 868 F.3d at p.] 80; Blizzard [Entertainment, Inc., supra, 76 Cal.App.5th] at pp. 936, 950–951. . . .) Such accounts are ‘forward-looking’ in the sense that they are created in anticipation of future financial transactions between the consumer and the provider. Here, [the product manufacturer] produced no evidence users had to enter financial information in order to create a[n] . . . account, or that the . . . account served as a platform for recurring financial transactions between app users and [the company]. The absence of such evidence distinguishes this case from Meyer and Blizzard.” (Herzog, supra, 101 Cal.App.5th at p. 1303.) “In other words, users were presented with the terms not as part of the . . . account creation process but as part of the app launch process. This circumstance further distinguishes this case from Meyer, in which the acceptance of Uber’s terms 16 and conditions was directly linked to account registration.” 5 (Herzog, at p. 1303.) The instant case involves an entirely different set of circumstances. Here, we are dealing with the updating of a user account that serves as the platform for recurring financial transactions with Cruise. The sign-in wrap agreement is directly linked to that account. And, most significantly, there is no screen in the Cruise process remotely like the “Legal” screen in Herzog that had a paragraph filled with language focusing on privacy concerns which thereby created an ambiguity such that a reasonably prudent user would believe the terms pertained only to “privacy rights and the management of the user’s personal information.” (Herzog, supra, 101 Cal.App.5th at p. 1297.) We therefore turn to cases less far afield, starting with Blizzard Entertainment, Inc. That case involved an online license agreement that users of a video game company’s products encountered when they “signed up 5 Justice Irion authored a lengthy dissent. (Herzog, supra, 101 Cal.App.5th at pp. 1313–1321 (dis. opn. of Irion, J.).) As she saw it: “The Legal webpage contains three sentences of text followed by two clearly set out boxes, one next to ‘I agree to Terms of Use’ and the other next to ‘I agree to Privacy Policy,’ and below them is a ‘Submit’ button. (Maj. opn., ante, at p. 1290.) The first of the three sentences of text tells the user that use of the G6 App ‘is subject to the Terms of Use . . . listed below.’ (Maj. opn., ante, at p. 1290.) The statements next to the boxes below the text have embedded hyperlinks that, if clicked, take the user to webpages that display the Terms of Use or Privacy Policy. (Maj. opn., ante, at p. 1290.) By clicking the hyperlink to the Terms of Use, the user would quickly learn they ‘CONTAIN[ ] A MANDATORY ARBITRATION OF DISPUTES PROVISION.’ (Maj. opn., ante, at pp. 1290–1291 & fn. 3.) I conclude a reasonable user who ticked the box next to ‘I agree to Terms of Use’ and clicked the Submit button would know that doing so constituted consent to all Terms of Use, including the arbitration provision.” (Herzog, supra, 101 Cal.App.5th at p. 1319 (dis. opn. of Irion, J.).) 17 for, downloaded, and used Blizzard’s service.” (Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at p. 935.) The trial court denied the company’s motion to compel arbitration, ruling a “ ‘reasonably prudent user would not have inquiry notice of the agreement’ ” to arbitrate because “ ‘there was no conspicuous notice of an arbitration’ ” provision in any of the license agreements. (Ibid.) The Court of Appeal reversed. (Id. at p. 936.) The court “first evaluate[d] ‘the full context of the transaction.’ ” (Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at p. 950, quoting Sellers, supra, 73 Cal.App.5th at p. 477.) It found significant that the “circumstances ‘involve a consumer signing up for an ongoing account and, thus, it is reasonable to expect that the typical consumer in that type of transaction contemplates entering into a continuing, forward-looking relationship’ governed by terms and conditions. (Sellers, . . . at p. 471. . . .)” (Blizzard Entertainment, Inc., at p. 951.) “This,” said the court, was “the type of transaction in which federal courts have generally found sign-in wrap agreements enforceable.” (Ibid.) The notice of the license agreement also “was not in ‘extremely small print,’ lacking contrast, or ‘outside the [area] where the consumer’s attention would necessarily be focused.’ ” (Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at p. 954, quoting Sellers, supra, 73 Cal.App.5th at p. 481.) Nor did the notice “rely on a visually nondescript hyperlink.” (Blizzard Entertainment, Inc., at p. 954.) The court additionally emphasized that the license agreement was “sufficiently conspicuous” by way of a “popup” window that allowed the user to scroll through the entire agreement. (Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at pp. 935–936, 951.) In addition to admonitions at the top of the first screen of the popup stating that the Blizzard service could not be 18 used unless the user agreed to the license agreement and that the agreement contained a dispute resolution policy that contained an arbitration provision, there was an admonishment at the bottom of the first screen that by clicking the “ ‘Continue’ button” (which was immediately below) “the user ‘acknowledge[d] that [he or she has] read and understood the [license agreement].’ ” (Id. at pp. 935–936.) The court rejected the plaintiffs’ argument that because the Dispute Resolution Policy containing the arbitration provision was not, itself, set forth in the license agreement viewable in the popup, but had to be accessed by clicking on a hyperlink in the popup, the Dispute Resolution Policy and arbitration provision therein were not sufficiently conspicuous to give rise to a binding agreement to arbitrate. (Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at pp. 953–954.) The court pointed out the license agreement viewable in the popup “contained a hyperlink directly to the Dispute Resolution Policy. Thus, the incorporated document was only one click away, not two.” (Id. at p. 953.) The hyperlink also “stood out in underlined blue text.” (Id. at p. 954.) In sum, the “popup notice provided sufficiently conspicuous notice that by clicking on the ‘Continue’ button at the bottom of the popup, the user would be agreeing to all of the terms of the 2018 License Agreement,” including the hyperlinked Dispute Resolution Policy and arbitration provision therein. (Ibid.) The court distinguished its earlier opinion in Sellers. (Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at pp. 947–949, 954.) In that case, the court had considered a sign-in wrap agreement for an online question and answer service. The description of what a user saw on a laptop or cell phone was generally the same. The pertinent webpage, for example, stated in fairly large white print against a dark background, “ ‘Join for $5 19 and get your answer in minutes.’ ” (Sellers, supra, 73 Cal.App.5th at pp. 453–454.) Below, in smaller print, it said: “ ‘Unlimited conversations with doctors—try 7 days for just $5. Then $46/month. Cancel anytime.’ ” (Id. at pp. 454–455.) Below that was a white box with fields for the user to enter their credit card information and e-mail address. Below those fields was an orange button that said, “ ‘Start my trial.’ ” Next to the button, the user was told: “ ‘Cancel anytime. [¶] We’ll remind you one day before trial ends.’ ” (Id. at p. 455.) Below that button, in very small print in a non- distinguishing shade of gray, there was an additional advisement that read, “ ‘By clicking “Start my trial” you indicate that you agree to the terms of service and are 13+ years old.’ ” (Ibid.) The underlined “ ‘terms of service’ ” was a hyperlink that would take the user to another webpage with approximately 26 pages of terms, including, among others, a binding arbitration clause. The user was not required to actually view the hyperlinked terms of service in order to begin using the service. Once a user submitted their payment information and clicked on the “ ‘Start my trial’ ” button (which appeared above the reference to the terms of service), they were automatically enrolled in a recurring monthly membership. (Ibid.) The Sellers court found the “sign-in wrap agreement was not sufficiently conspicuous to put consumers on notice of the . . . provider’s arbitration provision and class action waiver,” given that the plaintiffs “alleged they believed they were paying a one-time fee of $5 to submit a question to an online ‘ “expert” ’ . . . [but] . . . the defendant then enrolled them in a costlier, automatically renewing membership, in violation of California’s automatic renewal law (Bus. & Prof. Code, § 17600 et seq.; ARL), which requires ‘ “clear and conspicuous” disclosures’ and ‘ “affirmative 20 consent” ’ to enrollment.” (Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at pp. 947–948.) “First and foremost,” said the Blizzard Entertainment, Inc. court, the transaction in Sellers was “governed by the ARL, the sign-in wrap notices ‘were not sufficiently conspicuous to bind’ the plaintiffs . . . because the notices were ‘significantly less conspicuous than the statutory notice requirements governing [the plaintiffs’] underlying [ARL] claims. . . .’ ” (Blizzard Entertainment, Inc., supra, 76 Cal.App.5th at p. 948.) “Second, . . . the Sellers court found the sign