This analysis describes what Cash App's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
The clause establishes a broad operational basis for incorporating user data into AI/ML development activities across multiple institutional functions—from product optimization to fraud prevention and security infrastructure. This authorization operates across both customer-facing personalization and backend security operations.
Interpretive note: The scope of data categories used in AI training and whether trained models retain personal data in a deletable form is not specified in the policy, creating uncertainty about the practical reach of deletion rights.
The updated policy establishes that children under 13 may use Cash App services if a parent or guardian signs up for or authorizes the account on their behalf. Previously, the policy explicitly prohibited any use by children under 13. The revised language clarifies that data deletion obligations apply when Cash App learns an account belongs to an unauthorized child under 13, but does not specify what happens to data from authorized child accounts or how parental oversight operates. A separate Privacy Notice for Children is referenced but not included in the change summary.
View change record →The revised policy shifts from prohibiting all children under 13 from using Cash App to permitting use when a parent or guardian explicitly authorizes or signs up for the service on the child's behalf. This creates a new lawful use path for families, but also establishes a distinction between authorized and unauthorized child accounts. The policy states that if a child under 13 operates an unauthorized account, Cash App will delete collected data upon discovery. Parents or guardians who authorize services should review the new Privacy Notice for Children for details on how child data is processed.
View change record →The updated terms state that children under 13 can no longer use Cash App, eliminating a path that previously existed for parents to authorize accounts on behalf of younger children. The revised language no longer references a separate Privacy Notice for Children, consolidating all child data handling disclosures into the main policy. If Cash App collects data and later learns it came from a child under 13, the policy requires deletion of that data, though the updated language broadens this obligation by removing the phrase 'for an unauthorized account', potentially extending deletion requirements beyond accounts that were never authorized.
View change record →Users' personal data may be processed through AI and machine learning systems deployed for service personalization, fraud detection, chargeback disputes, and security monitoring. The terms authorize this processing as a standard operational practice tied to service delivery and account protection.
How other platforms handle this
Applicability: This Policy applies to personal data that Midjourney collects, uses, and discloses and which may include: (i) data collected through the Services, (ii) data collected through the process of training Midjourney machine learning algorithms, (iii) data collected through Midjourney websit...
We may use Materials to provide, maintain, and improve the Services and to develop other products and services, including training our models, unless you opt out of training through your account settings. Even if you opt out, we will use Materials for model training when: (1) you provide Feedback to...
engage in any of the foregoing in connection with any use, creation, development, modification, prompting, fine-tuning, training, testing, benchmarking or validation of any artificial intelligence or machine learning tool, model, system, algorithm, product or other technology ("AI Tool").
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"Improving, personalizing and facilitating your use of our Services, content and applications, including by training artificial intelligence (AI) and other machine learning models; ... Making sure you follow our Terms of Service or other applicable agreements or policies; Investigating, detecting, preventing, recovering from, or reporting fraud, misrepresentations, security breaches or incidents, other potentially prohibited, malicious, or illegal activities, or to otherwise help protect your account, including to dispute chargebacks on your behalf; Protecting your, our, or our other customers' rights or property, or the security or integrity of our Services, including by using and training AI and other machine learning models to protect— Excerpt from Cash App's Cash App Privacy Policy
How Meta, TikTok, and Supabase restructured governance language across documents, jurisdictions, and consent frameworks through incremental document updates.
How 10 AI platforms describe the use of user data for model training, improvement, and development, based on archived governance provisions.
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The clause establishes a broad operational basis for incorporating user data into AI/ML development activities across multiple institutional functions—from product optimization to fraud prevention and security infrastructure. This authorization operates across both customer-facing personalization and backend security operations.
Users' personal data may be processed through AI and machine learning systems deployed for service personalization, fraud detection, chargeback disputes, and security monitoring. The terms authorize this processing as a standard operational practice tied to service delivery and account protection.
ConductAtlas has identified this type of provision across 1 platforms. See the full comparison.
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