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 Cash App's operational authority to conduct ongoing information exchanges with external entities throughout the customer relationship lifecycle. This mechanism supports the company's credit underwriting, fraud prevention, and regulatory compliance functions.
Interpretive note: The provision references sharing with persons or corporations with whom the user has or may have a financial relationship using expansive language; the full scope of disclosures covered and their permissible purpose basis under FCRA is not fully specified.
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 information, including employment history and financial relationship data, may be disclosed to credit bureaus and other third parties as part of Cash App's standard credit and fraud operations. The authorization applies to information already held and information obtained from external sources.
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"Credit, Compliance, and Fraud Partners. Information about you from third parties for any credit investigation, credit eligibility, fraud detection process, or collection procedure, or as may otherwise be required by applicable law. This includes, without limitation, the receipt and exchange of account or credit-related information with any credit reporting agency or credit bureau, where lawful, and any person or corporation with whom you have had, currently have, or may have a financial relationship, including without limitation past, present, and future places of employment, financial institutions, and personal reporting agencies. Your personal information may also be screened against relevant sanctions watchlists.— Excerpt from Cash App's Cash App Privacy Policy
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The clause establishes Cash App's operational authority to conduct ongoing information exchanges with external entities throughout the customer relationship lifecycle. This mechanism supports the company's credit underwriting, fraud prevention, and regulatory compliance functions.
Users' personal information, including employment history and financial relationship data, may be disclosed to credit bureaus and other third parties as part of Cash App's standard credit and fraud operations. The authorization applies to information already held and information obtained from external sources.
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