I really dislike the fact that some financial institutions require you to click on “I agree” to their terms and conditions every time you pay their bill online. I’m talking about you, American Express, but you’re not the only one. Unless I re-read the T&Cs in their entirety — yeah, like I’ve got time for that — I have no way of knowing the company hasn’t changed some crucial term on me. That’s one of the reasons I’ve switched most of our spending over to a non-AmEx credit card that doesn’t require this.
The same is true for software updates. Let me pick on Apple: Whenever the iTunes software automatically updates itself, it presents a complete set of T&Cs and requires you to click on “I agree.” For all I know, what I’m agreeing to could be radically different from what I previously agreed to.
[ADDED FROM MY RESPONSE TO A COMMENT BELOW:] American Express knows I’m an existing customer (because I had to log in) and therefore have already agreed to the T&Cs. Apple knows (or ought to know) that I’ve got an existing iTunes installation and therefore have already agreed to the T&Cs. In each case that should exempt me from having to read the T&Cs again.
Other financial institutions and software updaters seem to get this. AmEx and Apple should follow their example.