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 change how Cash App Tag purchase fees are calculated and disclosed. Rather than a fixed $25 fee, the purchase price now ranges up to $250 and varies based on the specific tag selected and the customer's account type. The terms state that 'the specific fee amount is disclosed before you complete your Cash App Tag purchase,' meaning the final price appears at checkout. Additionally, the terms now extend Cash App Tag eligibility to Children using Sponsored Accounts, whereas the prior language explicitly prohibited Children from requesting, receiving, or using Tags in connection with Sponsored Accounts. You can review the specific fee before completing a purchase, and parents authorizing Sponsored Accounts should understand that their child may now access Cash App Tag functionality within the limitations set by the account sponsor.
View change record →The updated terms introduce a new Bitcoin Auto-Withdrawal feature that lets users authorize recurring, automated transfers of bitcoin from their Cash App balance to an external wallet on a schedule they choose. The terms state that these transfers operate subject to the same daily and rolling transfer limits, identity verification, and compliance screening as manual withdrawals, and are irreversible once broadcast to the blockchain. The revised language also establishes that funds from external sources will be subject to withdrawal restrictions for a minimum of 7 days and as long as 60 days, replacing the prior language stating restrictions would apply 'until fully settled'. Users can cancel or modify Auto-Withdrawal schedules through the app at any time, but Cash App states it cannot stop transfers already initiated at the time it receives a cancellation request.
View change record →The updated terms establish a new pathway for self-employed individuals to accept commercial payments without opening a business account, but impose significant compliance obligations. Users must provide a nine-digit Social Security Number, accurately tag payments as 'Earnings' or 'Personal', and comply with federal tax reporting requirements, including potential 24% backup withholding if SSN is not on file. Misdesignating payments to avoid tax thresholds can result in account suspension or termination. You can enroll in the optional Earn in P2P service by completing identity verification and providing your SSN, but you should consult a tax advisor regarding your specific tax obligations.
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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"XXII. Generative AI Terms of UseExcerpt from Cash App's Terms of Service
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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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