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
This clause is consequential because it establishes that Cash App may monetize sensitive transactional and behavioral data to deliver advertising for third-party brands beyond its own platform.
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 →Starting on or after February 9, 2026, users' shopping history, app browsing behavior, and card transactions may be used by Cash App to show them personalized advertisements for other brands outside of Cash App.
How other platforms handle this
we may use this information to make it easier for you to find the people you want to send payments to, for account and identity verification and fraud prevention purposes, to reduce the risk you will send payments to the wrong person, or to provide other personalized services.
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"Starting on or after February 9, 2026: In connection with our commerce media network, we may use data about your activity, such as your shopping history, app browsing behavior, card transactions...to show you personalized advertisements for other brands outside of Cash App.— Excerpt from Cash App's Cash App Privacy Policy
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This clause is consequential because it establishes that Cash App may monetize sensitive transactional and behavioral data to deliver advertising for third-party brands beyond its own platform.
Starting on or after February 9, 2026, users' shopping history, app browsing behavior, and card transactions may be used by Cash App to show them personalized advertisements for other brands outside of Cash App.
ConductAtlas has identified this type of provision across 279 platforms. See the full comparison.
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