Diff: Cash App Terms of Service

Old version

April 11, 2026 06:03 UTC

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CA-V-000510

New version

April 16, 2026 06:01 UTC

87c5681082611642b1319d7862a04bc5af15c04dfff78a469d3efd1e95bc7cbd

CA-V-000539

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Change Summary

Cash App added a new section called 'Cash App Credit Score' to its Terms of Service on April 16, 2026. This internal score is based solely on your activity within Cash App and is used by Block, Inc. to determine eligibility for their own products — it is not shared with lenders or outside institutions. Importantly, the terms restrict you from using this score to apply for credit elsewhere or to represent your credit standing to third parties, so it has limited use outside the app.

medium severity

13 Sentences added

0 Sentences removed

1 Sentences modified

1591 Sentences before

1604 Sentences after

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	April 11, 2026 06:03 UTC			April 16, 2026 06:01 UTC
f	1	Cash App Logo	f	1	Cash App Logo
	2	Cash App Terms of Service		2	Cash App Terms of Service
	3	Effective: February 7, 2024		3	Effective: February 7, 2024
n	4	Last Updated: April 3, 2026	n	4	Last Updated: April 10, 2026
	5	We’ve included annotations in the gray boxes below to emphasize certain portions		5	We’ve included annotations in the gray boxes below to emphasize certain portions
	>	of our notice and help guide you as you read them. Annotations aren’t part of t		>	of our notice and help guide you as you read them. Annotations aren’t part of t
	>	he terms and have no legal effect, but they should help you follow the text.		>	he terms and have no legal effect, but they should help you follow the text.
	6	This page explains our terms for Cash App. By using the service, you agree to th		6	This page explains our terms for Cash App. By using the service, you agree to th
	>	ese terms. If you use the service on behalf of your company, your company agrees		>	ese terms. If you use the service on behalf of your company, your company agrees
	>	to them too.		>	to them too.
	7	These Cash App Terms of Service (the “Cash App Terms”) are a legal agreement bet		7	These Cash App Terms of Service (the “Cash App Terms”) are a legal agreement bet
	>	ween you, as a current or prospective user of the Services, and Block, Inc., for		>	ween you, as a current or prospective user of the Services, and Block, Inc., for
	>	merly known as "Square, Inc." (hereafter, “the Company,” “we,” “our” or us”), an		>	merly known as "Square, Inc." (hereafter, “the Company,” “we,” “our” or us”), an
	>	d governs your use of Cash App, a financial platform, which includes mobile appl		>	d governs your use of Cash App, a financial platform, which includes mobile appl
	>	ications, websites, software, cloud-based solutions, and other products and serv		>	ications, websites, software, cloud-based solutions, and other products and serv
	>	ices (the “Service”), offered by the Company. If you are using the Service on be		>	ices (the “Service”), offered by the Company. If you are using the Service on be
	>	half of a business or entity, you acknowledge and agree that you have authority		>	half of a business or entity, you acknowledge and agree that you have authority
	>	to bind such business or entity and that such business or entity accepts these t		>	to bind such business or entity and that such business or entity accepts these t
	>	erms. By using the Service you agree to be bound by these Cash App Terms and any		>	erms. By using the Service you agree to be bound by these Cash App Terms and any
	>	policies referenced within (“Policies”), including our Privacy Notice (see Sect		>	policies referenced within (“Policies”), including our Privacy Notice (see Sect
	>	ion V.5) and Cash App Acceptable Use Policy (see Section XXIII.5).		>	ion V.5) and Cash App Acceptable Use Policy (see Section XXIII.5).
	789	Cash App Business Accounts, Sponsored Accounts, and Restricted Accounts are not		789	Cash App Business Accounts, Sponsored Accounts, and Restricted Accounts are not
	>	eligible for Cash App Lending products.		>	eligible for Cash App Lending products.
	790	3. Loan Origination and Terms		790	3. Loan Origination and Terms
	791	You will be provided a loan agreement and related disclosures (the “Loan Documen		791	You will be provided a loan agreement and related disclosures (the “Loan Documen
	>	ts”) which will include detailed loan terms, including any fees or overdue penal		>	ts”) which will include detailed loan terms, including any fees or overdue penal
	>	ties, when you use a Cash App Lending product. Cash App Lending products are ori		>	ties, when you use a Cash App Lending product. Cash App Lending products are ori
	>	ginated by the entity identified in your Loan Documents. Your Loan Documents gov		>	ginated by the entity identified in your Loan Documents. Your Loan Documents gov
	>	ern your specific loan. You may be required to have a debit card on file through		>	ern your specific loan. You may be required to have a debit card on file through
	>	out the term of your loan.		>	out the term of your loan.
t			t	792	XXI. Cash App Credit Score
				793	1. Description
				794	The Cash App Credit Score is a tool designed to help you better understand your
				>	financial picture, and for use by Block, Inc. to determine eligibility for our p
				>	roducts. It is not shared with lenders. It is based only on data that the Compan
				>	y possesses regarding your activity and transactions. It is not based on and doe
				>	s not include any of your activity outside of Cash App, including any of your ac
				>	tivity with other banks or institutions. Any change in your Cash App Credit Scor
				>	e does not guarantee a similar change in your credit score or credit rating with
				>	any consumer reporting agency, bank, or other financial institution.
				795	2. Permitted Use
				796	You agree to use the Cash App Credit Score solely for personal, non-commercial u
				>	se, to help your understanding of your financial activity on Cash App and potent
				>	ial eligibility for Cash App products and services. You may not use the Cash App
				>	Credit Score or any related analysis for any other purpose, including, but not
				>	limited to, applying for credit or representing your credit standing to third pa
				>	rties, including banks or other financial institutions.
				797	3. Not Professional Advice
				798	Block, Inc. is not a consumer reporting agency, credit repair organization, cred
				>	it counselor, or financial or legal advisor. Any analyses or estimates relating
				>	to the Cash App Credit Score are provided for informational purposes only, and a
				>	re not a substitute for professional financial advice.
				799	4. Availability
				800	The Cash App Credit Score feature may not be available to all users, and may be
				>	limited or unavailable in certain jurisdictions. Availability may change without
				>	notice.
	792	XXII. Generative AI Terms of Use		801	XXII. Generative AI Terms of Use
	793	By using any of the Generative AI or AI-powered products, features, and tools (“		802	By using any of the Generative AI or AI-powered products, features, and tools (“
	>	AI Products”) offered via Cash App, you agree to be bound by these Generative AI		>	AI Products”) offered via Cash App, you agree to be bound by these Generative AI
	>	Terms, and any other applicable terms, policies and guidelines. If you are usin		>	Terms, and any other applicable terms, policies and guidelines. If you are usin
	>	g the AI Products on behalf of a business or entity, that business or entity acc		>	g the AI Products on behalf of a business or entity, that business or entity acc
	>	epts these terms. Defined terms have the same meaning as in the General Terms.		>	epts these terms. Defined terms have the same meaning as in the General Terms.
	794	1. Acceptable Use Policy		803	1. Acceptable Use Policy