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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
Cash App's Terms of Service set the rules for using the platform: Cash App can suspend or terminate your account at any time for any reason, can recover funds it is owed by debiting your balances or selling your bitcoin, and caps what it owes you in any dispute at $500 or three months of fees—whichever is higher. You also give up your right to a jury trial and the ability to join a class action against Cash App. Unless you have a Cash App Card or a Sponsored Account, your balances are not FDIC-insured, and unless you are enrolled in Savings Yield, any interest your balance earns goes to Cash App.
The Cash App Terms of Service establish the contractual framework governing user access to Cash App's services, including account control rights, financial liability limits, content licensing, dispute resolution, and data-sharing practices. Cash App reserves broad account-control authority, including the power to debit, set off against, and liquidate user assets—including bitcoin—across multiple linked funding sources to recover failed or reversed transfers. The agreement caps Cash App's total liability to the greater of three months' earned fees or $500, requires users to waive jury trial and class action rights in favor of binding arbitration, and grants Cash App a worldwide, irrevocable, perpetual, royalty-free license over user-submitted content. Users not holding a Cash App Card, Sponsored Account, or sponsored Sponsored Account hold balances that are not deposit products and carry no FDIC pass-through insurance protection, and users not enrolled in Savings Yield irrevocably assign to Cash App all interest accrued on their balances.
For an individual user, this document means that Cash App holds extensive authority over your funds—it can reach your linked bank accounts and credit cards, and can sell your bitcoin without additional approval to cover a failed transfer. Your recourse in any dispute is limited to arbitration, with a maximum recovery of $500 or three months of fees, and you permanently forfeit class action rights. If you identify a problem on your statement, you must notify Cash App within 60 days of receiving that statement; missing that window leaves resolution entirely to Cash App's sole discretion. Any content you submit is licensed to Cash App irrevocably and permanently, and any personal data you include in AI feature inputs may be shared with third-party service providers.
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23 important changes detected
23 versions captured · Last updated: August 2026
Cash App added a new optional service called 'Earn in P2P' that allows eligible sole proprietors to receive commercial payments (for goods and services) directly in their personal Cash App …
View change record →Cash App's terms of service navigation menu was updated on July 11, 2026 to add a link to 'Cash App Open Source Notice.' This is a documentation reference addition with …
View change record →Cash App updated its Terms of Service on July 8, 2026 with changes to its Local Cash rewards program and the addition of a new Cash App Beta program. The …
View change record →Cash App removed the automatic fee waiver for Paper Money Deposits that previously applied to customers who met spending or deposit thresholds. Effective June 29, 2026, all customers are now …
View change record →Cash App updated the 'Last Updated' date in its Terms of Service from June 4, 2026 to June 23, 2026. This is a metadata update reflecting when the document was …
View change record →Cash App updated its tax policy on June 24, 2026, restructuring how it describes tax obligations across Virtual Currency Services, Remittance Services, and general service use. The company removed a …
View change record →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 …
View change record →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 …
View change record →Cash App updated its Paper Money Deposit fee policy effective June 29, 2026. Previously, the terms stated that eligible Cash App Green customers had their $1 Paper Money Deposit fee …
View change record →Cash App updated its terms to clarify how account and transaction limits apply when users have multiple Cash App accounts or cards. Previously, the terms stated withdrawal limits were available …
View change record →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 …
View change record →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 …
View change record →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 …
View change record →Every distinct legal provision identified in this document. Featured provisions appear above with analysis.
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