In the Uk there seem to be separate commercial and consumer terms.
In the UK the consumer terms say its subject to English law and the courts of the UK jurisdiction you live in.
The commercial terms say that in the UK, Switzerland and the EEA there will be binding arbitration by an arbitrator in Ireland appointed by the President of the Law Society of Ireland.
The UK commercial terms explicitly do not apply to individual user plans. The US also has a separate terms sheet for commercial plans.
We are comparing like for like - an individual user using a Claude Pro subscription. A US user can use it for commercial use and be in compliance with the terms, the UK user cannot.