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.
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 section establishes the data ownership framework applicable to user-submitted content and platform data, and its interaction with the Privacy Notice (referenced as a binding policy) determines how personal financial data, transaction records, and user-generated content may be used by Block.
Interpretive note: The full text of Section V was not reproduced in the provided document excerpt; the characterization is based on the section title, the incorporation of the Privacy Notice by reference, and standard data governance provisions typical of financial platform agreements.
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 →Under Section V and the incorporated Privacy Notice, the agreement governs how user data including transaction information, device data, and account content may be accessed, used, and retained by Block. The specific scope of permitted data uses is set out in the Privacy Notice, which forms a binding part of the agreement.
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"V. Data and Service Usage and Ownership— Excerpt from Cash App's Cash App Terms of Service
1. REGULATORY LANDSCAPE: Data use practices for a financial platform engage the Gramm-Leach-Bliley Act (GLBA), which requires financial institutions to disclose data sharing practices and provide opt-out rights for certain categories of third-party sharing. The CCPA and CPRA apply to California residents and require disclosure of data collection categories, purposes, and third-party sharing. The FTC enforces data practice representations under Section 5 of the FTC Act. 2. GOVERNANCE EXPOSURE: Medium. The incorporation of the Privacy Notice by reference creates a cross-document compliance dependency; changes to the Privacy Notice may alter the operative data use terms without a separate update to the Terms of Service. This is a standard but compliance-relevant structure in consumer financial products. 3. JURISDICTION FLAGS: California residents have specific rights under CCPA/CPRA including the right to know, delete, and opt out of sale of personal information. Other states with comprehensive privacy laws (Virginia, Colorado, Texas, et al.) may also apply to Cash App's data practices depending on user location. 4. CONTRACT AND VENDOR IMPLICATIONS: Business accounts and third-party developers accessing Cash App data through integrations should assess whether their data use is within the scope of the permissions granted under Section V and the Privacy Notice. 5. COMPLIANCE CONSIDERATIONS: Data mapping exercises should account for the full scope of data types collected and processed by Cash App as disclosed in the Privacy Notice, and should be reviewed against GLBA, CCPA/CPRA, and applicable state privacy law requirements.
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This section establishes the data ownership framework applicable to user-submitted content and platform data, and its interaction with the Privacy Notice (referenced as a binding policy) determines how personal financial data, transaction records, and user-generated content may be used by Block.
Under Section V and the incorporated Privacy Notice, the agreement governs how user data including transaction information, device data, and account content may be accessed, used, and retained by Block. The specific scope of permitted data uses is set out in the Privacy Notice, which forms a binding part of the agreement.
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