Wu said that according to the official YZY Money documentation, the terms include a 'Waiver of Class Action.' 'To the extent permitted by law, you agree not to initiate, join, or participate in any class action lawsuit related to any claims, disputes, or controversies you may have against any protected party. You agree that the court may grant injunctive relief to prevent such lawsuits or remove you from the lawsuit. You agree to pay any attorney fees and litigation costs incurred by any protected party in seeking such relief.'