Cash App states it may exchange your account and credit-related information with credit reporting agencies, credit bureaus, past and present employers, financial institutions, and personal reporting agencies for credit, fraud, and compliance purposes, and may screen your information against sanctions watchlists.
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 policy states that Cash App may exchange information with credit bureaus, past and present employers, and personal reporting agencies, which creates a bilateral data relationship where information may both be received from and reported to these entities, with potential consequences for credit reports and financial access.
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 →New detailed disclosure of credit reporting agency data sharing and receipt of third-party credit information, expanding financial institution disclosures beyond previous versions.
View full change record →The policy states that your account and credit information may be exchanged with credit bureaus, employers, and financial institutions; if inaccurate information is reported to a credit bureau as a result of this exchange, you may have rights under the FCRA to dispute that information.
How other platforms handle this
If you registered to use Notion's Services with such an email address, but you do not use the Services in connection with your organization...you may transfer your account to a different email address.
We will also provide an individual opt-out choice, or opt-in for sensitive data, before we share your data with third parties other than our agents, or before we use it for a purpose other than which it was originally collected.
If you choose to reveal any personal information about yourself to other users, you do so at your own risk. We strongly encourage you to use caution in disclosing any personal information online.
"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 Privacy Policy
1) REGULATORY LANDSCAPE: The receipt and exchange of account or credit-related information with credit reporting agencies engages the FCRA, enforced by the CFPB and FTC.
Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.
Ad personalization controls removed. Contact scanning added. Advertiser data partnerships quietly dropped. A timeline of every change.
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.
The policy states that Cash App may exchange information with credit bureaus, past and present employers, and personal reporting agencies, which creates a bilateral data relationship where information may both be received from and reported to these entities, with potential consequences for credit reports and financial access.
The policy states that your account and credit information may be exchanged with credit bureaus, employers, and financial institutions; if inaccurate information is reported to a credit bureau as a result of this exchange, you may have rights under the FCRA to dispute that information.
ConductAtlas has identified this type of provision across 290 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Cash App.