What are the institutional and regulatory implications of this document?

1. REGULATORY LANDSCAPE: This document engages Regulation E (Electronic Fund Transfer Act) and the CFPB's Prepaid Accounts Rule (12 CFR Part 1005), which govern error resolution, liability limits, and fee disclosures for the Cash App prepaid account product. The Cash App Investing service operates under SEC and FINRA oversight as a registered broker-dealer service. Bitcoin and virtual currency activities engage FinCEN's Bank Secrecy Act obligations and state money transmitter licensing requirem…

How does Cash App's Cash App Terms of Service affect users?

The agreement establishes that disputes between users and Block must proceed through individual binding arbitration administered by AAA or JAMS, and the terms include a class action waiver that applies unless users opt out within 30 days of first using the service. Under these terms, Block reserves the right to suspend, limit, or terminate accounts at its discretion, which may affect access to funds held in Cash App Balance. You can opt out of the arbitration agreement by mailing a written noti…

How often is Cash App's Cash App Terms of Service updated?

ConductAtlas monitors this document daily and captures every version with cryptographic hashing and timestamp verification. Update frequency varies — see the change timeline on this page for complete version history.

Can I get alerted when Cash App updates this document?

Yes. Monitor subscribers ($19/month) can add Cash App to their watchlist and receive same-day email alerts whenever this document or any other Cash App document changes.

CA-D-000077

Cash App Terms of Service

Cash App

Last change detected June 9, 2026 Terms of service

SHA-256: 3c6171a8f4cc9d510ed… 15 versions captured 15 changes documented

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View original document at Cash App ↗

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

10 Total

3 High severity

7 Medium severity

0 Low severity

Summary

This is the Cash App Terms of Service published by Block, Inc., governing all products within the Cash App platform including peer-to-peer money transfers, the prepaid Cash App Balance account, the Cash App Card, Bitcoin and stock investing, a lending product, remittances, mobile check capture, and generative AI tools. The agreement requires users to resolve disputes with Cash App through individual binding arbitration rather than court or class action proceedings, with a 30-day opt-out window available after account creation. The terms also authorize Block to use, copy, modify, and display any content users submit through the platform, and reserve the right to suspend or close accounts at any time with or without prior notice.

Technical / Legal Breakdown

The Cash App Terms of Service (effective February 7, 2024, last updated April 27, 2026) govern the contractual relationship between users and Block, Inc. across a broad suite of financial services including peer-to-peer payments, a prepaid account and debit card, Bitcoin and stock investing, lending, remittances, mobile check capture, generative AI features, and a business account product. The agreement states that users must be at least 18 years old for most services (with a Sponsored Account option for minors aged 13-17), authorizes Block to suspend or terminate accounts at its discretion with or without notice, and requires users to submit to individual binding arbitration for disputes with a 30-day opt-out window from the arbitration clause. Section XXIII contains a mandatory arbitration clause with a class action waiver, a limitation of liability capping Block's liability at $500 or the amount of the transaction at issue, and a governing law provision designating California law; these provisions are standard in U.S. consumer fintech agreements but their enforceability in specific jurisdictions may vary under applicable law and regulatory interpretation. The document engages the Consumer Financial Protection Bureau's regulatory framework for prepaid accounts (Regulation E, including the Prepaid Accounts Rule), FinCEN's Bank Secrecy Act and AML/KYC obligations, FINRA and SEC oversight of the Cash App Investing brokerage service, and state money transmission licensing requirements; the inclusion of generative AI features under Section XXII additionally implicates emerging AI governance frameworks and FTC guidance on AI-generated content and unfair or deceptive practices.

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15 important changes detected

15 versions captured · Last updated: June 2026

June 9, 2026

low

What changed Cash App added a reference to 'Cash App Mobile Terms of Service' in their linked terms documentation on June 9, 2026. This document was previously not listed in the terms index but is now explicitly referenced as an accompanying legal document. The operational effect is that users are now directed to consult this mobile-specific terms document alongside the main Cash App Terms of Service.

Why this matters Cash App updated its terms index to include an explicit link to 'Cash App Mobile Terms of Service' on June 9, 2026. Previously this document was not listed in the linked terms reference page. Users reviewing Cash App's legal documentation will now encounter this additional terms document and may need to review it to understand mobile app-specific conditions.

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June 5, 2026

medium

What changed Cash App's June 5, 2026 update adds new provisions governing Cash App Tag (a wearable payment device) and establishes rules for how minors can use Cash App products through Sponsored Accounts. Parents authorizing a Sponsored Account for a teen now implicitly authorize the teen to request and activate a Cash App Card and add it to a Cash App Tag without seeking additional approval. The update also introduces two new fees: $25 for Cash App Tag purchase and $15 for expedited shipping.

Why this matters The updated terms establish new authorization rules for minors using Cash App through Sponsored Accounts. When a parent authorizes a Sponsored Account for a teen, the terms now state the parent expressly authorizes the teen to request, receive, activate, and use a Cash App Card and add it to a Cash App Tag without requiring additional parental approval for each action. The terms treat any such request or use by the teen as made at the parent's direction. For children under the teen category, the terms note the child may have limited or no independent ability to request or activate a Card or Tag. Cash App also introduces new fees for the Cash App Tag service: $25 for purchase and $15 for expedited shipping. You can review your Sponsored Account settings to understand what authorization scope you have granted.

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June 2, 2026 unknown

Cash App updated their Cash App Terms of Service on June 02, 2026. Change detected: 4 sentence(s) added, 1 sentence(s) modified. Document contained 1654 sentences after update.

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May 28, 2026 unknown

Cash App updated their Cash App Terms of Service on May 28, 2026. Change detected: 2 sentence(s) added, 1 sentence(s) removed, 2 sentence(s) modified. Document contained 1650 sentences after update.

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May 15, 2026 medium

Cash App added a new section on May 15, 2026 describing USD-Funded Stablecoin Withdrawals, a service that allows users to convert USD from their Cash App Balance or linked payment …

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April 28, 2026 medium

Cash App modified its fee waiver structure on April 28, 2026. Previously, spending $500+ monthly or receiving $300+ in deposits waived the Foreign Transaction Fee entirely. The updated terms now …

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April 22, 2026 low

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 …

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April 19, 2026 low

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 …

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April 18, 2026 low

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, …

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April 16, 2026 low

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 …

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April 11, 2026 low

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 …

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April 5, 2026 low

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 …

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April 2, 2026 medium

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 …

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March 25, 2026 low

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 …

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March 15, 2026 low

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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Recent Provision Changes Jun 9, 2026

10 provisions unchanged.

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High — 3 provisions

Mandatory Individual Arbitration Compare →

The agreement requires users to resolve disputes with Block through individual binding arbitration rather than through courts, and includes a 30-day opt-out window available by written notice after first accepting the terms.

Added April 3, 2026 Standard Seen across 197 platforms
Class Action Waiver Compare →

The agreement includes a class action waiver requiring users to pursue claims against Block individually rather than as part of a class or consolidated proceeding, as referenced in Sections XXIII.19 and XXIII.20.

Added April 3, 2026 Standard Seen across 197 platforms
Account Suspension and Termination Compare →

The agreement reserves Block's right to suspend, limit, or terminate user accounts at its discretion, including without prior notice, which may affect access to funds held in the Cash App Balance.

Added April 27, 2026 Standard Seen across 179 platforms

Medium — 7 provisions

Limitation of Liability Compare →

Section XXIII.17 of the agreement limits Block's liability to users, and based on the document's reference to a $500 cap in the context of dispute resolution, the limitation restricts the maximum damages a user may recover from Block in connection with the services.

Added May 7, 2026 Standard Seen across 252 platforms
Generative AI Terms of Use Compare →

Section XXII establishes specific terms governing the use of generative AI features within Cash App, which are a distinct product category within the platform subject to their own conditions.

Added April 3, 2026 Uncommon Seen across 23 platforms
Sponsored Account for Minors Compare →

The agreement establishes a Sponsored Account category for users under 18 (the document references ages 13-17 in Section III), which allows minors to use certain Cash App features under parental or guardian sponsorship.

Added May 21, 2026 Standard Seen across 284 platforms
Fee Schedule: Instant Transfer and Foreign Transaction Fees Compare →

The agreement discloses a variable instant transfer fee (amount disclosed at the time of transaction) for expedited transfers from Cash App Balance to a linked external account, and a 3% foreign transaction fee on international card transactions, with a conditional waiver for eligible users who meet monthly spending or deposit thresholds.

Added May 21, 2026 Common Seen across 158 platforms
Data and Service Usage and Ownership Compare →

Section V of the agreement governs the ownership and usage rights applicable to data generated or submitted through Cash App, including user content and service-generated data, and incorporates the Privacy Notice by reference.

Added April 3, 2026 Standard Seen across 284 platforms
Virtual Currency Services (Bitcoin) Compare →

Section IX governs the terms applicable to Bitcoin and other virtual currency transactions within Cash App, establishing conditions for buying, selling, and transferring virtual currency.

Added May 21, 2026 Common Seen across 173 platforms
Remittance Service Fees Compare →

The agreement discloses a tiered fee structure for the Remittance Service: bank transfers of $300 or more are free; bank transfers under $300 carry a $1.99 fee; cash pickup transfers of $300 or more carry a $1.99 fee; and cash pickup transfers under $300 carry a $3.98 fee.

Added May 21, 2026 Common Seen across 158 platforms