Change record
CA-C-001373
Cash App Terms of Service
Entity
Date detected
April 22, 2026
Effective date
April 22, 2026
Severity
Low
Direction
Neutral
Taxonomy
Transparency removal
Changes
+1 sentence added · 6 sentences modified

Impact Summary

Low Neutral for users
Affected users
All users Cash app credit score users

Cash App updated its Credit Score terms to clarify what data is used and how the score may be shared. The revised language specifies that the score is based on data from Cash App and its affiliates, not outside institutions, and is not shared with unaffiliated third-party lenders. The agreement also adds language stating that obtaining a Cash App Credit Score does not guarantee eligibility for any product or service.

Stay ahead of the changes
Track Cash App and get the diff the day its terms change.
Share 𝕏 Share in Share 🔒 PDF

What this means for you

The updated terms clarify that your Cash App Credit Score is calculated using only data from Cash App and its affiliates, not your activity with other financial institutions. The terms now explicitly state the score is not shared with unaffiliated third-party lenders or financial institutions. Additionally, the agreement establishes that obtaining a Credit Score does not guarantee you will be eligible for any product, service, or feature offered by Cash App or its affiliates.

Key Clauses Affected

Credit Score data sources

Score is based only on data from Cash App and its affiliates, not unaffiliated institutions.

Third-party lender sharing restriction

Score is not shared with unaffiliated third-party lenders or financial institutions.

Credit Score eligibility disclaimer

Obtaining a Credit Score does not guarantee availability of or eligibility for any product, service, terms, or feature.

Full clause-by-clause analysis available with Insight.
ⓘ

This change record describes what was added, removed, or modified in the document. Analysis reflects what the updated agreement states or permits. It does not constitute a legal determination about enforceability. Applicability may vary by jurisdiction. Methodology

Evidence Verification

✓ Verified
Previous Version
fe7dc1a9d5c537520dfb34a1fd08b5ebcc528ca0767eb207bb5aec854629ba57
April 19, 2026 06:04 UTC
✓ Verified
Current Version
5a65c4860eff97c86ce06198d0ee8be19232c9c343c47f93f98432322dce2263
April 22, 2026 06:03 UTC
✓ Verified
Change Detected
April 22, 2026 06:03 UTC
✓
Analysis Methodology
✓ Verified
Source Document
https://cash.app/legal/us/en-us/tos
Citation Record
Entity: Cash App
Document: Cash App Terms of Service
Record ID: CA-C-001373
Captured: 2026-04-22 06:03:24 UTC
URL: https://conductatlas.com/change/2026-04-22-cash-app-cash-app-terms-of-service-1373/
Accessed: Sept. 26, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
For legal and compliance teams

Institutional Analysis

Assessment

Cash App made targeted clarifications to its Credit Score disclosure on April 22, 2026, narrowing the scope of data use, specifying affiliate boundaries, and adding a disclaimer that Credit Scores do not guarantee product eligibility. …

🔒 Full institutional analysis

Regulatory exposure, obligation change, escalation trigger, board-ready language, and recommended action for legal and compliance teams.

Unlock the full institutional analysis — Insight

ConductAtlas provides verified policy intelligence sourced directly from platform documents. All analysis is intended to support, not replace, legal and compliance review. Record CA-C-001373.

Full Changes

View complete diff →

Document Context

Version history → Policy drift analysis → Document page →
Document
Cash App Terms of Service
Entity
Cash App
Captured
April 22, 2026
Source URL
https://cash.app/legal/us/en-us/tos
Other changes to Cash App Terms of Service
Previous change Apr 19, 2026
Cash App reorganized its terms of service document structure on April 19, 2026, moving the "Generative AI Terms of Use" …
Low Neutral
Next change Apr 28, 2026
Cash App modified its fee waiver structure on April 28, 2026. Previously, spending $500+ monthly or receiving $300+ in deposits …
Medium Negative
View full version history →
More from Cash App
Sep 19, 2026 Unknown
Cash App Terms of Service
Sep 12, 2026 Unknown
Cash App Terms of Service
Sep 10, 2026 Medium
Cash App Terms of Service

Cash App revised its identity verification procedures to permit third-party verification services and made identity verification conditions more flexible. Previously, …

Get the research letter

Companies change their terms quietly. We read every version and catch what actually changed. One email a week on the changes that matter and what they mean.

Stay ahead of the changes

Track Cash App policy changes

Get alerted when this policy changes again, including what changed and why it matters.

All Cash App changes →