Its  true most people doesn't  check the TOS of most website but Its  a leghty one  and some service do purposely do that to hideout their true intesions so it’s  good to read TOS especially if you would be engaging  financially  and sensitive data sharing.
Also, i would love to add it that if you trully want privacy when using the web then use Tor let it mix identity with millions of people accross the globe which will make tracking impossible.
AFAIK your ISP can track the stuffs you're  doing online plus they have your ip so if you don't  want that then use a trusted VPN[an untrusted one can sell out your datas as well] or  use TOR [if you like you can pair it with a trusted VPN  but not necessary]