Stover signed up for a credit score program with Experian in 2014, cancelling her subscription the same year.  That year’s clickwrap agreement, to which Stover assented, included both a broad arbitration clause encompassing all disputes “to the fullest extent permitted by law,” and a change of terms clause, stating that Stover would be bound by changed terms if she used the defendant’s website.  After canceling her subscription in 2014, Stover did not have any further dealings with defendant until 2018 when she briefly accessed its website shortly before filing her complaint.  This decision holds that the changed terms of the 2018 customer agreement that was available on defendant’s website, but which plaintiff didn’t allege she had actually seen or agreed to, did not become part of the parties’ agreement.  Plaintiff had no obligation to investigate whether defendant issued new terms without providing notice to plaintiff that it had done so. For changes to be enforceable under a change-of-terms provision, both parties must have notice of the change of terms.