Using the site or services means you accept these Terms; the plain-language blurbs are not the contract
These Terms of Service are a binding agreement covering access to and use of all Surfshark Services. By accessing or using the website or the Services, you agree to be bound by them, and if you do not agree you are told not to use them. The short friendly summaries under each heading are described as only a comment: the Terms themselves are the binding document. The Terms say that, for them, 'you' means the person who created the Surfshark account and/or whose payment method is charged.
Supporting quotations
the Terms are the binding document you’re agreeing to if you have a Surfshark account
This is a binding agreement.
BY ACCESSING OR USING THE WEBSITE AND OUR SERVICES, YOU AGREE TO BE BOUND BY THE TERMS OF SERVICE.
References to ‘you’ in these Terms of Service indicate a person who created Surfshark account and/or whose payment method is charged.
you agree to accept these Terms
Qualifications & exceptions
Acceptance is stated to follow from using the Services, which the Terms list as including servers, routers, IP addresses, protocols, add-ons, software, applications, extensions and other equipment, and updates of them.
The Terms single out the automatic-renewal provisions and the provisions on changing these Terms for close attention.
Legal Rights & Agreement Rules · Company practice
Surfshark can change the Terms and only promises to post a notice on its site
Surfshark may change these Terms from time to time. It says it will post a notice on the Surfshark site whenever the Terms are amended or updated. Reviewing the Terms periodically is your responsibility, and if you find the Terms unacceptable at any time you must immediately leave the site and stop using the Services.
Supporting quotations
We may change these Terms of Service from time to time.
We will post a notice on the Surfshark Site any time these Terms of Service have been amended or updated.
It is your responsibility to review these Terms of Service periodically, and if at any time you find these Terms of Service unacceptable, you must immediately leave the Surfshark Site and cease all use of our Services.
Qualifications & exceptions
The only notice method named in this section is a posting on the Surfshark site.
Not stated here
This section states no minimum advance-notice period and no separate effective date for changes to the Terms. Price and subscription-term changes are addressed separately in section 4.
Legal Rights & Agreement Rules · Restriction or exception
Surfshark does not approve unlawful use and disclaims liability for your illegal actions
Surfshark says it does not approve any unlawful, illicit, criminal or fraudulent activities committed by using its Services, and that it will not be liable in any way or form for illegal actions you take through or arising from your use of the Services.
Supporting quotations
We do not approve any unlawful, illicit, criminal or fraudulent activities committed by using Surfshark Services.
Surfshark will not be liable in any way or form for illegal actions done by you arising through or from the use of our Services.
Not stated here
The specific prohibited activities are set out in section 7.
Legal Rights & Agreement Rules · Restriction or exception
No illegal use, unlawful or harmful content, or masking your identity for illegal or malicious purposes
Section 7 lists things you shall not do by using the Services. Among them: using the Services for any illegal use, such as transmitting illegal material that would be a criminal offense under local, state, national or international law; transmitting content that is unlawful, harmful, threatening, abusive, harassing, torturous (as published) or that could be deemed objectionable in a court of law; using the Services for anything other than lawful purposes; using Surfshark to mask your identity for illegal or malicious purposes; distributing copyright-protected material through Surfshark's servers; and downloading or transmitting material that is libelous, defamatory, discriminatory or otherwise malicious or harmful to any person or entity. The list also says you shall at all times abide by all applicable local, state, national and foreign laws, treaties and regulations when using the Services, including those on data privacy, international communications and transmitting technical or personal data.
Supporting quotations
By using our Services, you shall not:
Use our Services for any illegal use, such as transmitting any illegal material
that would constitute a criminal offense as per the local, state, national or international law or regulation;
Transmit any content that is unlawful, harmful, threatening, abusive, harassing,
torturous, or that can be deemed objectionable in a court of law;
Use the Service for anything other than lawful purposes;
Use Surfshark to mask your identity for illegal or malicious purposes;
Distribute copyright-protected material through our servers;
Download or transmit any material that is libelous, defamatory, discriminatory
or otherwise malicious or harmful to any person or entity;
You shall at all times abide by all applicable local, state, national and
foreign laws, treaties and regulations in connection with your use of the Services, including those related to data privacy, international communications and the transmission of technical or personal data.
Qualifications & exceptions
The source lays these out as a bullet list whose items are split across blocks; the last item about abiding by laws is worded as an obligation and sits in the same list.
Related export-control and sanctions obligations appear separately later in section 7.
Not stated here
'Objectionable in a court of law' and 'harmful' are not defined in the Terms.
Legal Rights & Agreement Rules · Restriction or exception
You may not harass, abuse or discriminate against others, or submit false or misleading information
The Terms bar you from harassing, abusing, insulting, harming, defaming, slandering, disparaging, intimidating, or discriminating against others based on gender, sexual orientation, religion, ethnicity, race, age, national origin or disability. The same list item, as published, continues with a separate prohibition on submitting false or misleading information.
Supporting quotations
Harass, abuse, insult, harm, defame, slander, disparage, intimidate, or
discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; to submit false or misleading information;
Qualifications & exceptions
The 'false or misleading information' prohibition is tacked on to the harassment item in the source's formatting; the Terms do not say to whom the information is submitted.
Not stated here
The Terms do not say which submissions the false-information prohibition covers.
Legal Rights & Agreement Rules · Restriction or exception
No impersonation, altered email origin, pop-up ads, exploiting the refund policy or circumventing the Terms
Further prohibitions: misrepresenting or acting on behalf of others; altering the attribution of origin in email messages or postings; using the Services to serve pop-up ads; exploiting or attempting to exploit Surfshark's refund policy; and otherwise infringing or circumventing the Terms.
Supporting quotations
By using our Services, you shall not:
Misrepresent or to act on behalf of others;
Alter the attribution of origin in electronic mail messages or posting;
or use our Services to serve pop-ups ads.
Exploit or attempt to exploit our refund policy;
Otherwise infringe or circumvent these Terms;
Qualifications & exceptions
The pop-up ads prohibition is attached to the end of the item about libelous or harmful material in the source's formatting.
Not stated here
The Terms do not say what counts as exploiting the refund policy; the refund terms appear in section 4. The text of the linked document is not supplied here, so this card cannot say more about what is prohibited.
Legal Rights & Agreement Rules · Restriction or exception
Alternative ID is for personal and private use only, never business, commercial or organizational use
You may not use the Alternative ID service for any non-personal or commercial use. That includes using it for business purposes, any form of commercial activity, or deploying it in a corporate, educational, governmental or other organizational environment. All access to and use of Alternative ID must be strictly for personal and private use only.
Supporting quotations
Utilize Alternative ID service for any non-personal or commercial use. This
includes, without limitation, using Alternative ID for business purposes, engaging it in any form of commercial activities, and/or deploying it within a corporate, educational, governmental, or other organizational environment. All access to and use of the Alternative ID service must be strictly for personal and private use only.
Qualifications & exceptions
The prohibition names educational and governmental environments as well as corporate ones.
Legal Rights & Agreement Rules · Restriction or exception
Illegal Content is prohibited; Surfshark says it does not monitor user content and relies on notices
Surfshark says it is strictly prohibited to use the Services to violate applicable law, including infringing copyright or other third-party rights: you may not upload, store, share, access or otherwise exploit through the Services content that is itself illegal or is illegal because it relates to illegal activities ('Illegal Content'). Surfshark states that without specific notifications from users it may not become aware of potential violations, because it does not monitor user-generated content transmitted or received through its platform, and that it relies on users to help keep the environment safe.
Supporting quotations
it is strictly prohibited to use Surfshark Services to violate applicable law, including infringe copyright or other rights of third parties.
you shall not upload, store, share, access, and/or otherwise exploit on or through Surfshark Services content that is either itself illegal or is rendered to be illegal in a view that it relates to illegal activities (“Illegal Content”)
without specific notifications from our users, we may not become aware of potential violations of these Terms, as we do not monitor user-generated content transmitted and/or received via our platform. We rely on you to help us maintain a safe environment for all users.
Qualifications & exceptions
The 'does not monitor' statement is about user-generated content transmitted and/or received via the platform.
Not stated here
The Terms do not say what Surfshark does besides evaluating notices (see the notice cards).
Legal Rights & Agreement Rules · Procedure
Send concerning-content notices to dsa@surfshark.com (EU), support@surfshark.com or by registered mail to Amsterdam
To report concerning material, submit a Notice to dsa@surfshark.com for EU-related notices, or to customer support for all other notices at support@surfshark.com or by registered mail to Surfshark B.V., Kabelweg 57, 1014BA Amsterdam, the Netherlands. To be valid a Notice must contain the information listed in the following card, which begins with a sufficiently substantiated explanation of why you allege the content is Illegal Content violating applicable law.
Supporting quotations
If you come across any concerning material, please inform us by submitting a notice (“Notice”) to us via dsa@surfshark.com (for EU related notices) or to our customer support team (for all other notices) via email address support@surfshark.com or registered mail via address below:
Surfshark B.V. Kabelweg 57, 1014BA Amsterdam, the Netherlands
Please note that to be valid the Notice shall contain the following information:
a sufficiently substantiated explanation of the reasons why you allege the
Illegal Content to be violating applicable law;
Qualifications & exceptions
The EU address (dsa@surfshark.com) is for EU related notices; all other notices go to support or registered mail.
Legal Rights & Agreement Rules · Procedure
A valid Notice must include substantiated reasons, the exact location, your contact details, statements and a signature
For a Notice about concerning material to be valid, it must contain: (1) a sufficiently substantiated explanation of why you allege the content is Illegal Content violating applicable law; (2) if the claim is copyright infringement, identification of the copyright-protected work allegedly infringed (or a representative list for multiple works); (3) a clear indication of the exact electronic location, such as the exact URL or URLs, with additional information such as screenshots where needed to identify the content; (4) your contact information (at least full name, physical address and email address) and that of your authorized representative, if any; (5) a statement that you (or your representative) have a good-faith belief that the use complained of is not authorized by you, your representative or the law; (6) a statement that the information and allegations are accurate and, under penalty of perjury, that you (or your representative) are authorized to act; and (7) your (or your representative's) physical or electronic signature.
Supporting quotations
a sufficiently substantiated explanation of the reasons why you allege the
Illegal Content to be violating applicable law;
identification of the copyright-protected work allegedly infringed
(or, for multiple works, a representative list), if the Illegal Content allegedly infringes copyright;
a clear indication of the exact electronic location of that information,
such as the exact URL or URLs, and, where necessary, additional information (like, for example, screenshots) enabling the identification of the illegal content;
your contact information (at least, full name, physical address, and email address)
and your authorized representative, if applicable;
your (or your authorized representative) statement that you have a good-faith
belief that the use of the allegedly Illegal Content in the manner complained of is not authorized by you, your authorized representative, or the law;
your statement that the information and allegations contained in the Notice are
accurate and, under penalty of perjury, that the you (or your authorized representative) are authorized to act;
your (or your authorized representative) physical or electronic signature.
Qualifications & exceptions
The copyright-work identification applies only if the Illegal Content allegedly infringes copyright.
The representative's details and signature apply 'if applicable'.
Not stated here
The Terms do not say what happens to a Notice that lacks one of these elements.
Legal Rights & Agreement Rules · Restriction or exception
You warrant you are not in an embargoed country or on a sanctions list and agree to follow export-control laws
The Terms say the Services may be subject to U.S. and European Union export and re-export control laws and similar laws elsewhere, including the U.S. Export Administration Regulations. You warrant that you are not located in a country the EU, UK, U.S. or another relevant jurisdiction has embargoed or sanctioned in a way that forbids or limits use, import, export, sale of, or payment for the Services, and that you are not a denied party or on a list of prohibited or restricted parties kept by sanctions authorities such as OFAC, the U.S. State Department, the UN Security Council, the EU or His Majesty's Treasury. You agree to comply with applicable export control and sanctions laws and not to use, sell, export, re-export, transfer, divert, release or otherwise dispose of the Services, software or technology to any prohibited destination, entity, person or end-use without required government authorization.
Supporting quotations
Our Services (products) may be subject to the U.S. and European Union export and re-export control laws and regulations or similar laws applicable in other jurisdictions, including the Export Administration Regulations (“EAR“) maintained by the U.S. Department of Commerce.
You also warrant that you are (a) not located in any country to which the European Union, the United Kingdom, the U.S. or other relevant jurisdiction has embargoed goods or has otherwise applied any economic sanctions, which would forbid or limit the use, import, export, sale of, or payment for the Services
(b) not a denied party as specified in any applicable export or re-export laws or regulations or similar laws applicable in relevant jurisdictions or otherwise listed on any list of prohibited or restricted parties
You agree to comply with all applicable export and re-export control laws and regulations, including without limitation the EAR and trade and economic sanctions maintained by OFAC as it may be applicable to you.
you agree not to - directly or indirectly - use, sell, export, re-export, transfer, divert, release, or otherwise dispose of any Services, including products, software, or technology
Qualifications & exceptions
The warranties cover both your location and your status as a listed or denied party.
The Terms refer to laws 'as it may be applicable to you'.
Not stated here
The cited export-control and sanctions laws and lists are not supplied here; this card cannot say which countries or parties they cover.
Legal Rights & Agreement Rules · Restriction or exception
Surfshark does not endorse or take responsibility for linked third-party sites; using them is at your own risk
Surfshark may link to, or be linked from, other websites it does not maintain or relate to. It says it does not endorse and is not responsible for their content or actions, has not reviewed all linked sites, and does not promise that linked content is accurate or compliant with local, state or federal law, including intellectual property law. Your use of any linked site is at your own responsibility, and you assume all responsibilities and consequences of relying on it.
Supporting quotations
Surfshark may link to or be linked from other websites that are not maintained by, or related to, Surfshark. Surfshark does not endorse, and is not responsible for, the content of any of those third-party websites.
We do not promise that the contents of any linked sites are accurate, compliant with local, state or federal law, including any intellectual property laws.
Your use of any linked site is at your own responsibility and you assume all responsibilities and consequences resulting from such reliance.
Legal Rights & Agreement Rules · Restriction or exception
Website and Services are provided as is and as available, with no accuracy guarantee; use is your sole responsibility
Surfshark provides the website and Services on an 'as is' and 'as available' basis. It cannot guarantee that the Services or content are error free, makes no representations about technical accuracy, functionality or whether content is accurate or up to date, and says actual coverage, speeds, locations and quality may vary. It also says it makes no representations and that your use of the Services is your sole responsibility.
Supporting quotations
SURFSHARK PROVIDES ITS WEBSITE AND SERVICES TO YOU ON AN “AS IS” AND “AS AVAILABLE” BASIS.
Surfshark cannot guarantee that the Services or its content is error free and makes no representations about the technical accuracy or functionality of the Services or that the content is accurate, error free or up to date. Actual service coverage, speeds, locations and quality may vary.
Surfshark makes no representations – your use of the Services is your sole responsibility.
Qualifications & exceptions
Section 12 states that the Terms do not limit consumer protection rights under mandatory laws of your country of residence.
Legal Rights & Agreement Rules · Company practice
Surfshark may update, modify, suspend or interrupt the Services at any time without notice or liability
Surfshark says its Services may be updated, modified, suspended or interrupted at any time without any notice or liability.
Supporting quotations
Our Services may be updated, modified, suspended or interrupted at any time without any notice or liability.
Not stated here
The Terms do not say whether any fee adjustment or refund applies to a suspension or interruption in this statement; section 4 separately describes a possible pro-rata refund when Services were not available or usable.
Legal Rights & Agreement Rules · Restriction or exception
Surfshark and affiliates disclaim damages of every kind, and total liability is capped at what you paid for the Services
Surfshark and its affiliates say they are not liable to you or third parties for any direct, indirect, special, consequential or punitive damages allegedly arising from your use of the Services, third-party software provided with them, the sale or purchase of goods, your access to or inability to access the website or Services (including alleged viruses), or your use of or reliance on the website, Services or materials, regardless of the type of claim and even if advised of the possibility. Their total aggregate liability in any case may not exceed the total amount you paid for the Services.
Supporting quotations
SURFSHARK AND ITS AFFILIATES, SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTIES FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ALLEGEDLY SUSTAINED ARISING OUT OF YOUR USE OF THE SERVICES
REGARDLESS OF THE TYPE OF CLAIM OR THE NATURE OF THE CAUSE OF ACTION, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL AGGREGATE LIABILITY IN ANY CASE SHALL NOT EXCEED YOUR TOTAL AMOUNT PAID FOR THE SERVICES.
Qualifications & exceptions
The cap is the total amount you paid for the Services; the Terms do not say over what period.
The Terms (section 12) state they do not limit consumer protection rights under mandatory laws of your country of residence.
Not stated here
The Terms do not say whether any carve-out for death, personal injury, fraud or intentional misconduct applies; none is stated in this section.
Legal Rights & Agreement Rules · Restriction or exception
You release Surfshark, affiliates and third-party providers from all claims connected with your use, known or unknown
You agree to release the service provider, its affiliates and third-party service providers, and their directors, officers, employees and agents from claims, demands and damages (actual and consequential) of every kind, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or connected in any way with your use of the website or Services.
Supporting quotations
You hereby agree to release service provider, its affiliates and third-party service providers, and each of their respective directors, officers, employees, and agents from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed (“claims”), arising out of or in any way connected with your use of this Website or our Services.
Qualifications & exceptions
The release names 'service provider' without defining it in this block.
Not stated here
The Terms do not say how this release interacts with the consumer protection rights preserved in section 12.
Legal Rights & Agreement Rules · Restriction or exception
Alternative ID emails, calls and messages may be interrupted; Surfshark is not accountable for missed or delayed ones
If you use Alternative ID, you recognize that delivery of emails to your alternative email address and receipt of calls and messages to your alternative phone number may be interrupted by external factors such as network disruptions, service outages and spam filtering. Surfshark says it does not guarantee prompt and exact delivery or reception, will not be held accountable for missed, delayed or undelivered communications, and will not be responsible for any damage or loss that results. Your access to and use of Alternative ID is permitted solely for your own personal and non-commercial purposes.
Supporting quotations
If you use the Alternative ID service, you recognize that there might be instances when due to external factors the delivery of emails to your alternative email address and receipt of the calls and messages to your alternative phone number may be interrupted.
Surfshark does not assert or guarantee the prompt and exact delivery or reception of communications. As such, Surfshark shall not be held accountable for any communication that is either missed, delayed, or undelivered.
you concur that Surfshark will not be responsible for any sort of damage or loss that may result from such instances.
your access to and use of the Alternative ID Service is permitted solely for your own personal and non-commercial purposes.
Qualifications & exceptions
The causes named are examples ('including but not limited to').
Legal Rights & Agreement Rules · Restriction or exception
Alternative ID output may coincidentally match real people or addresses, and Surfshark disclaims responsibility
Alternative ID output is designed to be made up and not reflect real people or places, but occasionally parts such as addresses could unintentionally match real-world equivalents. Surfshark says any resemblance to actual persons, living or deceased, or real addresses is unintentional and coincidental, and that output is designated only for personal use in safeguarding privacy and/or for entertainment. It expressly disclaims responsibility for accidental similarities and advises against using output you believe might infringe a third party's rights.
Supporting quotations
despite Alternative ID generated output is designated to be made-up and not reflective of real people or places, occasionally, some parts (like addresses) could unintentionally match real-world equivalents.
any resemblance generated by our service to actual persons, living or deceased, or to real-life addresses, is unintentional, purely coincidental and designated ONLY for personal use in safeguarding privacy and/or for entertainment purposes.
SURFSHARK EXPLICITLY DISCLAIMS ANY RESPONSIBILITY FOR ACCIDENTAL SIMILARITIES TO ACTUAL INDIVIDUALS OR ADDRESSES. IF YOU BELIEVE THAT THE OUTPUT GENERATED BY ALTERNATIVE ID MIGHT INFRINGE UPON THE RIGHTS OF ANY THIRD PARTY, WE ADVISE AGAINST THE USE OF THIS OUTPUT.
Qualifications & exceptions
Output is designated 'ONLY for personal use in safeguarding privacy and/or for entertainment purposes'.
Legal Rights & Agreement Rules · Restriction or exception
You must indemnify Surfshark against third-party claims from your use, violations or IP infringement via your account
You agree to indemnify, defend and hold harmless Surfshark, its affiliates, officers, directors, employees, consultants, agents and representatives from any and all third-party claims, losses, liability, damages and costs (including reasonable attorney fees and costs) arising from your access to or use of the website or Services, your violation of the Terms, or your infringement, or infringement by any other user of your account, of any intellectual property or other right of any person or entity.
Supporting quotations
You agree to indemnify, defend, and hold harmless Surfshark, its affiliates, officers, directors, employees, consultants, agents, and representatives from any and all third party claims, losses, liability, damages, and/or costs (including reasonable attorney fees and costs) arising from your access to or use of the Website or our Services, your violation of these Terms of Service, or your infringement, or infringement by any other user of your account, of any intellectual property or other right of any person or entity.
Qualifications & exceptions
The indemnity covers claims by third parties.
It reaches infringement by 'any other user of your account', which links to the account responsibility terms in section 2.
Not stated here
The Terms do not cap the indemnity or say how it interacts with the consumer protection rights preserved in section 12.
Legal Rights & Agreement Rules · Context
Your contract is with Surfshark B.V. in the Netherlands but is governed by British Virgin Islands law
Surfshark says your contract is concluded with Surfshark B.V., a company established in the Netherlands. The Terms are construed and governed by the laws of the British Virgin Islands, without reference to conflict-of-law rules, so contracts with all customers are governed by the same laws.
Supporting quotations
Your contract is concluded with Surfshark B.V., a company established in the Netherlands.
These Terms of Service (contract between You and Surfshark) shall be construed in accordance with and governed by the laws of the British Virgin Islands, without reference to their rules regarding conflicts of law.
Qualifications & exceptions
The governing-law choice is subject to the mandatory consumer protection rights described in the next card.
Legal Rights & Agreement Rules · User right or choice
The Terms say they do not limit consumer protection rights under mandatory laws of your country of residence
The Terms state that they will not limit any consumer protection rights you may have under the mandatory laws of your country of residence. The wording refers to the Terms of Service as a whole; the Terms do not say how it applies to specific clauses such as the as-is disclaimer or the liability cap, and do not list which rights it preserves.
Supporting quotations
these Terms of Service will not limit any consumer protection rights that you may be entitled to under the mandatory laws of your country of residence
SURFSHARK PROVIDES ITS WEBSITE AND SERVICES TO YOU ON AN “AS IS” AND “AS AVAILABLE” BASIS.
OUR TOTAL AGGREGATE LIABILITY IN ANY CASE SHALL NOT EXCEED YOUR TOTAL AMOUNT PAID FOR THE SERVICES.
Qualifications & exceptions
Only rights under 'mandatory laws' of your country of residence are preserved; the Terms do not describe which laws qualify.
Not stated here
Which consumer protection rights apply in your country of residence is not stated and depends on its laws.
Legal Rights & Agreement Rules · Restriction or exception
Disputes go to British Virgin Islands courts unless mandatory laws of your country of residence say otherwise
You agree that judicial proceedings to resolve claims relating to the Terms will be brought in the courts of the British Virgin Islands, unless the laws of your country of residence have mandatory provisions that apply to the dispute and cannot be overridden by the contractual choice of law.
Supporting quotations
You hereby agree that the judicial proceeding to resolve claims relating to the Terms of Service will be brought in the courts of British Virgin Islands, unless the laws of your country of residence have mandatory provisions that apply to the dispute that cannot be overridden by the contractual choice of law.
Qualifications & exceptions
The exception depends on mandatory provisions of your country of residence that cannot be overridden by the contractual choice of law.
Not stated here
The Terms do not describe any arbitration or class-action waiver in this section, and do not say which courts apply when the exception is triggered.
Legal Rights & Agreement Rules · Restriction or exception
Third Party Services have their own terms you accept, but these Terms govern purchase, renewal, price and refunds
Third Party Services are governed by these Terms and also by the terms of those Third Party Services, and by acquiring them through Surfshark you also accept those terms. You are told to review them before purchase and you may need extra steps, such as creating a separate account. If there is any inconsistency between these Terms and the third party's terms, these Terms govern for subscription purchase, auto-renewals, prices/payments and cancellation/refunds.
Supporting quotations
Please note that Third Party Services are governed not only by these Terms but also by terms of those Third Party Services. By acquiring Third Party Services through Surfshark you also accept the terms of those Third Party Services.
You may need to make additional steps to start using Third Party Services (e.g., to create a separate account) after purchasing them through Surfshark.
If there are any inconsistencies between these Terms and the terms of Third Party Services, these Terms (subscription purchase, auto-renewals, prices/payments, and cancellation/refunds) will govern and apply.
Qualifications & exceptions
The priority rule is stated for four topics: subscription purchase, auto-renewals, prices/payments, and cancellation/refunds.
Not stated here
The Terms do not say which terms prevail for other topics, such as liability or data use, when they are inconsistent with a third party's terms.
The third parties' terms are not supplied in this document.
Identity theft coverage is a group insurance benefit; the insurer handles claims and Surfshark has no responsibility
Certain Services include identity theft coverage for active users. Limits and coverage may differ depending on the Service or the user's location. The benefits are provided under group policies issued by HSB Specialty Insurance Company to Cyber Protection Insurance Services, Inc. (the 'Group Policy') and licensed for Surfshark users' benefit. The insurance provider administers all claims, and Surfshark says it has no responsibility for the identity theft benefit. Summaries of benefits are linked for the United States and for Washington State residents.
Supporting quotations
Certain Services include Identity theft coverage for active users. The insurance benefit limits and coverage may be different depending on the Service or location of the user.
These identity theft coverage benefits are provided under group policies issued by HSB Specialty Insurance Company to Cyber Protection Insurance Services, Inc. (the “Group Policy”) and provided under a license for the benefit of Surfshark users. The insurance provider administers all claims, and We shall have no responsibility with respect to such identity theft benefit.
To view the Service offerings and their corresponding summary of benefits, click here (summary of benefits for the residents of the State of Washington may be found here).
Qualifications & exceptions
Coverage is included only in 'certain Services' and for 'active users'.
The insurer, not Surfshark, administers all claims.
Not stated here
The text of the linked summaries of benefits and of the Group Policy is not supplied here, so this card cannot say what the coverage limits, exclusions or claim steps are.
The Terms do not say which Services include the coverage.
Legal Rights & Agreement Rules · Restriction or exception
Identity theft coverage is for US residents except New York State, and you agree to be bound by the Group Policy
Identity theft coverage is currently available to customers residing in the United States, including U.S. territories and the District of Columbia, except New York State residents. Your membership in the insured program is evidenced by the summary of benefits or a similar document that may be provided on request. You acknowledge receipt of this information, consent to electronic document delivery, and agree to be bound by the terms, conditions, limitations and exclusions of the Group Policy that apply to you.
Supporting quotations
Identity theft coverage is currently available to all customers residing in the United States, including U.S. territories and the District of Columbia, with the exception of New York State residents.
Your membership in the insured program is evidenced by the summary of benefits or other similar document that may be provided to you upon request.
You acknowledge receipt of this information, consent to electronic document delivery, and agree to be bound by the terms, conditions, limitations, and exclusions of the Group Policy applicable to you.
Qualifications & exceptions
Availability is stated as 'currently available', which can change.
You accept the Group Policy's limitations and exclusions, which apply to you, by agreeing to these Terms.
Not stated here
The Group Policy and the summaries of benefits are not supplied here, so this card cannot say what the limitations and exclusions are.
Legal Rights & Agreement Rules · Company practice
Insurance notices and changes are sent electronically to your account email and count as in writing
To the extent your Service includes insurance benefits, you agree to receive notices of insurance and insurance changes electronically at the active email associated with your account. All electronic communications delivered to you are treated as 'in writing'.
Supporting quotations
To the extent that your Service includes insurance benefits, you agree to receive notices of insurance and insurance changes electronically, using the active email associated with your account. All electronic communications delivered to you will be considered “in writing.”
Qualifications & exceptions
Applies only to the extent your Service includes insurance benefits.
Legal Rights & Agreement Rules · Procedure
Contact Surfshark with questions through support@surfshark.com or live chat
For questions or comments about the Services or the Terms, email support@surfshark.com or use live chat.
Supporting quotations
If you have any questions or comments relating to Surfshark Services or this Terms of Service send an email to support@surfshark.com or contact us via a live chat.
Legal Rights & Agreement Rules · Procedure
Surfshark names dsa@surfshark.com as its Digital Services Act point of contact for users and authorities
Surfshark says it has appointed an exclusive point of contact for both users and authorities for purposes of the Digital Services Act (DSA). DSA inquiries go to dsa@surfshark.com. Surfshark asks that submissions comply with the DSA's stipulations and preferably be in English, or accompanied by an English translation.
Supporting quotations
Surfshark has appointed an exclusive point of contact for both users of our Services and the authorities for the purposes of the Digital Services Act (“DSA”). For inquiries regarding DSA, please reach out to us at dsa@surfshark.com.
We request that all submissions comply with the DSA's stipulations and are preferably made in English, or if not, accompanied by an English translation.
Qualifications & exceptions
English is 'preferred', not stated as required.
Not stated here
The DSA's own requirements are not supplied here.
Legal Rights & Agreement Rules · Procedure
Report suspected violations of the Section 7 prohibitions to support@surfshark.com
If you have other concerns about activities by users of the Services that you suspect contravene the prohibitions in Section 7, Surfshark invites you to notify it at support@surfshark.com. The detailed Notice routes and required contents are in Section 7 itself.
Supporting quotations
Additionally, if you have any other concerns about activities by users of our Services that you suspect might contravene the prohibitions outlined in Section 7 of our Terms, we invite you to notify us at support@surfshark.com.
If you come across any concerning material, please inform us by submitting a notice (“Notice”) to us via dsa@surfshark.com (for EU related notices) or to our customer support team (for all other notices) via email address support@surfshark.com or registered mail via address below:
Qualifications & exceptions
This is an additional, informal route; Section 7 sets out when a Notice is valid.
Legal Rights & Agreement Rules · Restriction or exception
The English version of the Terms prevails over translations
Translations of the Terms may be provided in other languages but may not be fully up to date or comprehensive. If the English version and a translation conflict, the English version takes precedence.
Supporting quotations
The English version of Terms of Service prevails.
While translations of these Terms of Service may be provided in other languages, they may not be fully up-to-date or comprehensive. Thus, in case of any conflict between the English version and the translated versions of these Terms of Service, the English version shall take precedence.
Legal Rights & Agreement Rules · Context
The Terms state they were last updated on July 13, 2026
The Terms say they were last updated on July 13, 2026. They state this as a last-updated date and do not give a separate effective date.
Supporting quotations
16. When was the Terms of Service last updated?
July 13, 2026.
Not stated here
The document does not say what changed on that date or when each change took effect.