Section XXIII.17 of the agreement limits Block's liability to users, and based on the document's reference to a $500 cap in the context of dispute resolution, the limitation restricts the maximum damages a user may recover from Block in connection with the services.
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 caps the recoverable damages users may seek from Block, which is operationally significant given that Cash App handles financial transactions including peer-to-peer payments, investing, and lending. The cap on liability limits the financial recourse available to users who experience losses attributable to platform errors or service failures.
Interpretive note: The full text of Section XXIII.17 was not fully reproduced in the provided document excerpt; the characterization is based on the document's explicit reference to that section as limiting liability.
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 →Renamed from 'Liability Limitation' and severity downgraded from high to medium; now includes specific section reference (XXIII.17).
View full change record →The agreement establishes a limitation on Block's liability that caps the amount users may recover for claims arising from use of Cash App services. The specific cap amount and applicable conditions are set out in Section XXIII.17 of the full terms.
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You will remain responsible for any amounts you fail to pay in connection with your subscription, including collection costs, bank overdraft fees, collection agency fees, reasonable attorneys' fees, and arbitration or court costs.
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"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: Limitation of liability clauses in consumer financial agreements may require evaluation under Regulation E (Electronic Fund Transfer Act), which establishes specific consumer liability limits for unauthorized electronic fund transfers that cannot be waived by contract. The FTC may also evaluate such clauses under Section 5 of the FTC Act if they are applied in a manner that is unfair or deceptive. 2. GOVERNANCE EXPOSURE: Medium. Liability caps are standard in fintech terms of service, but their application to Regulation E-covered transactions may be constrained by statute regardless of the contractual terms. The interaction between the contractual cap and statutory consumer protections under Regulation E is a key compliance consideration. 3. JURISDICTION FLAGS: California and other states with strong consumer protection statutes may limit the enforceability of broad liability caps in certain consumer financial service contexts. The clause applies to all U.S. users. 4. CONTRACT AND VENDOR IMPLICATIONS: Business users and developers building on Cash App infrastructure should assess whether the liability cap is consistent with their own contractual obligations to end users or clients. 5. COMPLIANCE CONSIDERATIONS: Legal teams should map the contractual liability cap against applicable statutory liability floors under Regulation E to identify any provisions that may be constrained by statute.
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This provision caps the recoverable damages users may seek from Block, which is operationally significant given that Cash App handles financial transactions including peer-to-peer payments, investing, and lending. The cap on liability limits the financial recourse available to users who experience losses attributable to platform errors or service failures.
The agreement establishes a limitation on Block's liability that caps the amount users may recover for claims arising from use of Cash App services. The specific cap amount and applicable conditions are set out in Section XXIII.17 of the full terms.
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