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.
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
The inclusion of a dedicated Generative AI Terms of Use section indicates that Cash App has integrated AI-generated content or AI-assisted features into the platform, and that users are subject to specific conditions when using those features. This provision may have implications for data inputs, AI-generated output accuracy, and liability for reliance on AI-generated information in a financial context.
Interpretive note: The full text of Section XXII was not reproduced in the provided document excerpt; analysis is based solely on the section title and its placement within the terms structure.
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 →Section reference added (XXII) in current version, indicating structural reorganization.
View full change record →Under Section XXII, users who interact with generative AI features within Cash App are subject to specific terms governing those features, including conditions on how user inputs may be processed and how AI-generated outputs should be interpreted. The specific scope of data use for AI purposes is governed by this section in conjunction with the Privacy Notice.
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We may revise this User Agreement and any other document that is part of the Agreement from time to time. The revised version will be effective at the time we post it, unless otherwise noted. If our changes reduce your rights or increase your responsibilities, we will provide at least 30 days prior ...
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"XXII. Generative AI Terms of Use— Excerpt from Cash App's Cash App Terms of Service
1. REGULATORY LANDSCAPE: Generative AI features in a financial services context may require evaluation under FTC guidance on AI and deceptive practices, SEC guidance on AI use in investment contexts (relevant to Cash App Investing), and CFPB guidance on AI-driven consumer financial products. Emerging state AI transparency and disclosure laws in California and other states may also apply depending on how the AI features are implemented. 2. GOVERNANCE EXPOSURE: Medium. The inclusion of generative AI in a financial platform that includes investment and lending products creates specific regulatory exposure, particularly if AI-generated outputs are used to inform financial decisions. The accuracy and disclaimer requirements for AI-generated financial information are an active area of regulatory attention from both the SEC and CFPB. 3. JURISDICTION FLAGS: California's proposed and enacted AI governance legislation creates heightened exposure for AI features deployed to California residents. Users in other states may also be affected by state-level AI disclosure requirements as those frameworks develop. 4. CONTRACT AND VENDOR IMPLICATIONS: Organizations relying on Cash App for financial operations should assess whether the generative AI terms affect how financial data is processed or shared with AI systems, and whether that processing is consistent with their own data governance obligations. 5. COMPLIANCE CONSIDERATIONS: Legal and compliance teams should review Section XXII in full to assess the scope of data inputs to AI systems, the disclaimers applicable to AI-generated outputs, and the liability allocation for reliance on AI-generated content in financial decision-making contexts.
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The inclusion of a dedicated Generative AI Terms of Use section indicates that Cash App has integrated AI-generated content or AI-assisted features into the platform, and that users are subject to specific conditions when using those features. This provision may have implications for data inputs, AI-generated output accuracy, and liability for reliance on AI-generated information in a financial context.
Under Section XXII, users who interact with generative AI features within Cash App are subject to specific terms governing those features, including conditions on how user inputs may be processed and how AI-generated outputs should be interpreted. The specific scope of data use for AI purposes is governed by this section in conjunction with the Privacy Notice.
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