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.
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 provision requires that any legal claims against Block be brought on an individual basis only; users cannot join or initiate class action or consolidated proceedings under these terms. The waiver applies in conjunction with the mandatory arbitration clause.
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.
View change record →The updated terms introduce a new stablecoin withdrawal feature that allows Cash App users to convert USD to stablecoins and send them to external blockchain addresses. Under the revised language, users do not acquire ownership or title to stablecoins; Cash App or its partners retain full control until delivery to the specified address. Critically, the terms state that withdrawals cannot be reversed or refunded once initiated on the blockchain, and sending assets to unsupported networks or incorrect addresses will result in permanent and irreversible loss of funds. Users are solely responsible for verifying accurate withdrawal instructions and compatible network addresses before initiating transfers.
View change record →The updated terms increase the Foreign Transaction Fee from 3% to 3.25% and narrow the circumstances under which this fee is waived. Previously, users who spent $500+ monthly or received $300+ in deposits waived the entire Foreign Transaction Fee. Under the revised terms, the fee waiver now applies only to card-present (in-person) transactions, meaning online and card-not-present international purchases remain subject to the fee without a waiver path. Users making qualifying purchases or deposits still receive fee waivers, but only for in-person international card transactions through the end of the following calendar month.
View change record →Severity remains high, but now includes explicit disclosure and cross-references to sections XXIII.19 and XXIII.20 in current version.
View full change record →Under these terms, users are required to bring any claims against Block individually and cannot participate in class action lawsuits or consolidated arbitration proceedings. This clause applies to all disputes covered by the arbitration agreement unless the user opts out within 30 days.
How other platforms handle this
You and Teachable agree to resolve any disputes through final and binding arbitration, except as set forth under Exceptions to Agreement to Arbitrate below. You also agree that disputes will only be resolved on an individual basis and not as a class, consolidated, or representative action.
Any dispute arising from or relating to the subject matter of these Terms shall be finally settled by arbitration in San Francisco County, California, in accordance with the Streamlined Arbitration Rules and Procedures of Judicial Arbitration and Mediation Services, Inc. ("JAMS") then in effect, by ...
WHERE PERMITTED UNDER THE APPLICABLE LAW, YOU AND NETFLIX AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, where permitted under the applicable law, unless ...
Monitoring
Cash App has changed this document before.
Receive same-day alerts, structured change summaries, and monitoring for up to 25 platforms.
"Please note that you should review all Cash App Terms carefully, including those provisions which limit our liability (see Section XXIII.17) and those regarding individual arbitration for potential legal disputes (see Sections XXIII.19 and XXIII.20).— Excerpt from Cash App's Cash App Terms of Service
1. REGULATORY LANDSCAPE: Class action waivers in consumer financial agreements are permissible under federal law following Congressional repeal of the 2017 CFPB arbitration rule. The FTC may evaluate such waivers under Section 5 of the FTC Act if determined to be unfair. State attorneys general retain authority to bring enforcement actions on behalf of affected consumers even where individual class action rights are waived. 2. GOVERNANCE EXPOSURE: High. The class action waiver effectively limits aggregate consumer claims against Block, which is a standard but operationally significant provision in consumer fintech agreements. Enforceability may vary by state, with California courts having the most active history of reviewing such waivers. 3. JURISDICTION FLAGS: California and certain other states have applied unconscionability doctrine to limit class action waivers in specific factual contexts. The clause applies to all U.S. users. 4. CONTRACT AND VENDOR IMPLICATIONS: Business users operating under these terms share the same class action restrictions as individual consumers unless a separate commercial agreement modifies these terms. Procurement teams should note the limitation when assessing dispute resolution exposure. 5. COMPLIANCE CONSIDERATIONS: Organizations using Cash App for business disbursements should document the class action waiver as part of their vendor risk and contract review process.
Full compliance analysis
Regulatory citations, enforcement risk, and due diligence action items.
Free: track 1 platform + weekly digest. Monitor: 25 platforms + same-day alerts. No credit card required.
Coinbase's User Agreement includes a mandatory arbitration clause that most users may not have reviewed. Here is what the clause states and how the opt-out process works.
561 arbitration provisions across 197 platforms. ConductAtlas tracks how dispute resolution is being restructured across the internet.
Compliance Governance Intelligence
Need to monitor specific governance provisions?
Compliance includes provision-level monitoring, governance timelines, regulatory mapping, and audit-ready analysis.
Built from archived source documents, structured governance mappings, and historical version tracking.
This provision requires that any legal claims against Block be brought on an individual basis only; users cannot join or initiate class action or consolidated proceedings under these terms. The waiver applies in conjunction with the mandatory arbitration clause.
Under these terms, users are required to bring any claims against Block individually and cannot participate in class action lawsuits or consolidated arbitration proceedings. This clause applies to all disputes covered by the arbitration agreement unless the user opts out within 30 days.
ConductAtlas has identified this type of provision across 84 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Cash App.