Summary
Cash App's Terms of Service is the legal contract between you and Block, Inc. that governs every feature of Cash App — including sending money, holding a balance, using the debit card, buying Bitcoin, investing in stocks, and taking out loans. The single most important thing to know is that you give up your right to sue Cash App in court or join a class action lawsuit — all legal disputes must go through private arbitration, unless you opt out in writing within 30 days of first using the service. If you want to keep your right to sue, send a written opt-out notice to Block, Inc., 1955 Broadway, Suite 600, Oakland, CA 94612 within 30 days of creating your account.
Technical Summary
The Cash App Terms of Service (effective February 7, 2024, last updated April 10, 2026) is a comprehensive legal agreement between Block, Inc. and users of the Cash App financial platform, governing peer-to-peer payments, prepaid account balances, the Cash App Card, Bitcoin and stock investing, lending, remittances, mobile check capture, generative AI features, and business accounts. The most significant user obligations include submitting to identity verification, maintaining accurate account information, compliance with the Acceptable Use Policy, and agreement that all disputes must be resolved through binding individual arbitration with a class action waiver, with a 30-day opt-out window. Notable deviations from industry standard include the broad intellectual property license granted to Block over user-submitted content, a sweeping limitation of liability capped at fees paid in the prior 12 months, and the inclusion of generative AI terms that disclaim accuracy of AI-generated outputs while retaining usage data. The document engages the Electronic Fund Transfer Act (EFTA/Regulation E), the Bank Secrecy Act/AML obligations, CFPB Prepaid Account Rule (12 CFR Part 1005), state money transmission laws, FinCEN requirements, SEC/FINRA regulations for the investing service, and FCRA for credit score features; material compliance considerations include the adequacy of error resolution procedures, the scope of the arbitration clause under CFPB scrutiny, and the regulatory treatment of Bitcoin custody and stock brokerage within a single consumer agreement.
Analyzed Changes
8 changes analyzed since monitoring began.
What changed
Cash App updated their Cash App Terms of Service on April 28, 2026. Change detected: 18 sentence(s) added, 1 sentence(s) removed, 17 sentence(s) modified. Document contained 1622 sentences after update.
Consumer impact
Cash App's Foreign Transaction Fee has increased from 3% to 3.25%, meaning online or card-not-present international purchases will now cost more and no longer qualify for the fee waiver even if spending or deposit thresholds are met. The fee waiver for qualifying customers now only covers in-person (card-present) transactions, so users who frequently shop internationally online will pay more. You can review your international spending habits and consider whether an alternative payment method with lower foreign transaction fees may be more cost-effective for online purchases.
Why it matters
The increase in the Foreign Transaction Fee and the narrowing of the fee waiver to in-person transactions mean users who shop internationally online will pay more, with less ability to offset those costs through normal spending or deposits. This is a direct, recurring financial impact for frequent international spenders.
What changed
Cash App updated their Cash App Terms of Service on April 22, 2026. Change detected: 1 sentence(s) added, 6 sentence(s) modified. Document contained 1605 sentences after update.
Consumer impact
Cash App's Credit Score feature now draws on data from Block, Inc. and all of its affiliates — not just your Cash App activity — which means more of your financial behavior across Block's ecosystem is being used to calculate your score. The policy also now only restricts sharing with 'unaffiliated' lenders, meaning affiliated entities within Block's corporate family may receive your Credit Score data. Additionally, a new clause clarifies that achieving a particular Credit Score does not guarantee eligibility for any product, service, or feature.
Why it matters
Your Cash App Credit Score is now calculated using data from across Block, Inc.'s family of companies — not just Cash App — and can potentially be shared with Block-affiliated financial entities. This expands the data footprint used to profile you financially without requiring your explicit consent to the expansion.
What changed
Cash App updated their Cash App Terms of Service on April 18, 2026. Change detected: 1 sentence(s) modified. Document contained 1604 sentences after update.
Consumer impact
Cash App has added a 'Your Privacy Choices' link to the navigation of their Terms of Service, making it easier for users to find and exercise their privacy options. This is especially relevant for users in states like California, where laws require companies to provide accessible opt-out mechanisms for data sharing. You can click the 'Your Privacy Choices' link on Cash App's Terms of Service page to review and adjust your privacy settings.
Why it matters
The addition of a 'Your Privacy Choices' link gives users a more accessible way to exercise their privacy rights, particularly opt-out rights required under California and other state privacy laws. While the change is minor, it reflects ongoing regulatory pressure on fintechs to make privacy controls visible and easy to use.
What changed
Cash App updated their Cash App Terms of Service on April 16, 2026. Change detected: 13 sentence(s) added, 1 sentence(s) modified. Document contained 1604 sentences after update.
Consumer impact
Cash App has introduced an internal 'Cash App Credit Score' that evaluates your financial activity within the app to determine eligibility for Cash App products and services. This score is not reported to credit bureaus, not shared with lenders, and is explicitly restricted to personal, non-commercial use — you cannot use it as proof of creditworthiness with banks or other institutions. You can review your Cash App activity and transaction history to understand what data may be influencing this internal score.
Why it matters
Cash App is now building an internal financial profile of users based on their in-app transaction history and using it to gate access to Cash App products — a new form of algorithmic eligibility determination that users should be aware of. The explicit prohibition on using this score for external credit applications signals it carries no recognized credit value, but its use for internal product access could still materially affect what financial services users can access within the platform.
What changed
Cash App updated their Cash App Terms of Service on April 11, 2026. Change detected: 2 sentence(s) added, 25 sentence(s) modified. Document contained 1591 sentences after update.
Consumer impact
Cash App has added a formal 'Cash App Credit Score' section to its Terms of Service, signaling the introduction or expansion of credit score-related services within the app. While the bulk of the detected changes are section renumbering, the insertion of a new dedicated credit score section may affect how your financial data is used and what services you are subject to. You can review the new Cash App Credit Score section (Section XXII) in the updated Terms of Service to understand what data is collected and how it is used for credit scoring purposes.
Why it matters
The addition of a dedicated 'Cash App Credit Score' section signals that Cash App is formally incorporating credit score services into its platform, which could affect how your financial data is collected, used, and shared. Users should review the new section to understand their rights and any new data practices associated with credit scoring.
What changed
Cash App updated their Cash App Terms of Service on April 05, 2026. Change detected: 3 sentence(s) removed, 3 sentence(s) modified. Document contained 1589 sentences after update.
Consumer impact
Cash App has fully discontinued its Gift Card feature and automatically converted any existing Gift Card balances to cash value, which has been added to users' Cash App Balance. This removes the previous merchant-restricted use of Gift Cards, replacing it with unrestricted cash in your account. You can check your Cash App Balance to confirm your converted Gift Card funds are reflected correctly.
Why it matters
Users who held Cash App Gift Cards should verify their Cash App Balance reflects the correct converted cash value. The removal of California-specific redemption rights without explicit regulatory confirmation creates a risk for affected California users.
What changed
Cash App updated their Cash App Terms of Service on April 02, 2026. Change detected: 4 sentence(s) added, 1 sentence(s) removed, 4 sentence(s) modified. Document contained 1592 sentences after update.
Consumer impact
Cash App is discontinuing its Remittance Service on May 1, 2026, meaning users who rely on it to send money internationally must find an alternative provider before that date. Pending remittance payments will continue to process, but cash pickup payments not collected within 21 days will be automatically canceled and refunded to the sender. You can cancel any pending remittance payments before May 1, 2026 to ensure you receive a refund promptly rather than waiting for automatic cancellation on May 21.
Why it matters
Users who depend on Cash App to send money internationally have a hard deadline of May 1, 2026 to complete transfers or migrate to another service, and unclaimed cash pickup payments will be lost if not collected within 21 days. Missing these deadlines means money could be tied up in pending transfers until the automatic cancellation on May 21.
What changed
Cash App updated their Cash App Terms of Service on March 25, 2026. Change detected: 1 sentence(s) modified. Document contained 1589 sentences after update.
Consumer impact
Cash App removed the 'Your Privacy Choices' link from the navigation section of its Terms of Service on March 25, 2026. This link typically allows users — especially California residents — to opt out of the sale or sharing of their personal data under the CCPA. Its removal from this prominent location may make it harder for consumers to exercise their privacy rights. You can search Cash App's Privacy Notice directly or contact Cash App support to locate any opt-out mechanisms still available.
Why it matters
The 'Your Privacy Choices' link is the primary way Cash App users — especially California residents — exercise their legal right to opt out of data selling and sharing. Its removal from the navigation makes that right harder to find and exercise.