Your disputes are now judged under New York law, not California lawMATERIAL
JURISDICTION
California has some of the strongest consumer protection laws in the U.S., including rules that can void certain unfair contract clauses. Switching to New York law means those specific California protections may no longer back you up if you have a dispute with Scribd. New York law is not weak, but it is generally less consumer-friendly than California's on things like unfair contract terms and automatic renewals.
“these Terms will be governed and construed in accordance with the laws of the State of New York”
Non-U.S. users must now arbitrate in New York instead of San FranciscoMATERIAL
JURISDICTION
If you live outside the U.S. and the EU and you take Scribd to arbitration, you now have to do it in New York rather than San Francisco. For most people this is a lateral move — both are far away and expensive to reach — but it may be more or less convenient depending on where you live. The clause still lets you and Scribd agree on a different location, and small claims under $10,000 are usually handled on paperwork alone without you traveling anywhere.
“For non-U.S. residents outside the EU, the arbitration shall be held in New York, New York (unless otherwise agreed by the parties).”
What you can do — If you ever file a dispute, ask Scribd in writing to agree to a more convenient location — the terms allow it.