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This page describes what the document states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability may vary by jurisdiction. Methodology
This document establishes the terms of service governing use of Cash App, Block, Inc.'s financial services platform, including money transfers, the Cash App Card, Bitcoin and stock investing, lending products, and a generative AI assistant. The agreement authorizes Block to suspend or close accounts at its discretion, requires disputes to be resolved through individual arbitration rather than court proceedings or class actions, and establishes fees including 0.5% to 2.5% for instant transfers (capped at $75), 3% foreign transaction fees, and $1 paper money deposit fees. New users may opt out of the arbitration requirement by submitting written notice within 30 days of accepting the terms.
This document is the Cash App Terms of Service, effective February 7, 2024 and last updated April 27, 2026, governing the use of Cash App, a financial platform operated by Block, Inc., and constituting a binding legal agreement between Block, Inc. and any individual or business user of the service. The agreement states that users must be at least 13 years old to use the service (with parental or guardian sponsorship required for users under 18), authorizes Block to suspend or close accounts at its sole discretion with or without notice, and reserves the right to modify terms unilaterally with notice provided through the app or email. The terms include a mandatory individual arbitration clause with a class action waiver (Sections XXIII.19 and XXIII.20), a limitation of liability capping recovery at the greater of the fees paid in the prior 12 months or $500, and a broad license grant over user-submitted content; the arbitration provision includes a 30-day opt-out window for new users, which is operationally significant for those wishing to preserve litigation rights. The document engages the Electronic Fund Transfer Act (EFTA) and Regulation E for peer-to-peer and prepaid account services, the Bank Secrecy Act and anti-money laundering requirements, the Securities Exchange Act and FINRA regulations for the Cash App Investing service, FinCEN money services business regulations for virtual currency and remittance services, and the California Consumer Privacy Act (CCPA) and state-equivalent frameworks for data rights; the Generative AI Terms of Use section additionally engages nascent AI governance considerations. Material compliance considerations include the treatment of the Cash App Balance as a prepaid account subject to Regulation E error resolution timelines, the application of FINRA oversight to the Cash App Investing brokerage service, and the jurisdictional dependency of the arbitration clause enforceability, particularly in states with consumer protection statutes that may limit or void class action waivers.
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11 versions captured · Last updated: May 2026
Cash App updated its Credit Score terms to clarify what data is used and how the score may be shared. The revised language specifies that the score is based on …
View change record →Cash App reorganized its terms of service document structure on April 19, 2026, moving the "Generative AI Terms of Use" section from position XXII to position XXIII and creating a …
View change record →Cash App's Terms of Service footer navigation was updated on April 18, 2026 to add a 'Your Privacy Choices' link to the existing list of legal and policy documents. Previously, …
View change record →Cash App added a new section describing its Cash App Credit Score tool, effective April 16, 2026. The updated terms clarify that this score is designed for personal use only …
View change record →Cash App reorganized its Terms of Service document structure on April 11, 2026, moving sections and renumbering references. The 'Generative AI Terms of Use' section moved from section XXII to …
View change record →Cash App discontinued its Gift Card feature and converted existing gift card balances to cash equivalents on April 5, 2026. The updated terms remove three provisions that previously described how …
View change record →Cash App updated its Terms of Service on April 2, 2026, with three substantive changes. First, the gift card redemption threshold was modified to allow California recipients to redeem below …
View change record →Cash App removed the 'Your Privacy Choices' link from its Terms of Service footer on March 25, 2026. Previously, the footer included a direct link labeled 'Your Privacy Choices' alongside …
View change record →Cash App reorganized its Terms of Service by moving the 'Generative AI Terms of Use' section from section XXIII to section XXII, and renumbering the 'Other Legal Terms' section from …
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