The agreement requires users to resolve disputes with Block through individual binding arbitration rather than through courts, and includes a 30-day opt-out window available by written notice after first accepting the terms.
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 requires disputes to proceed through individual arbitration administered by AAA or JAMS rather than through civil litigation, and the accompanying class action waiver means users cannot participate in consolidated or class proceedings against Block. The 30-day opt-out window is operationally time-limited and requires affirmative written action by mail.
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 'Mandatory Arbitration Clause' to 'Mandatory Individual Arbitration' and now includes explicit section references and disclosure language.
View full change record →Under this clause, users who do not opt out within 30 days of first accepting the terms are required to pursue any claims against Block individually through binding arbitration. The agreement requires this process for disputes that would otherwise be resolved in court, including claims related to account access, transactions, and fees.
How other platforms handle this
THESE TERMS REQUIRE THE USE OF ARBITRATION (SECTION 12.2) ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR CLASS ACTIONS, AND ALSO LIMIT THE REMEDIES AVAILABLE TO YOU IN THE EVENT OF A DISPUTE.
Any dispute, claim or controversy arising out of or relating to this Agreement or the breach, termination, enforcement, interpretation or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, shall be determined by arbitration before one arbitrat...
You and Teachable agree to resolve any disputes through final and binding arbitration, except as set forth under Exceptions to Agreement to Arbitrate below. You also agree that disputes will only be resolved on an individual basis and not as a class, consolidated, or representative action.
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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: The CFPB has historically engaged with mandatory pre-dispute arbitration clauses in consumer financial products under its authority in the Dodd-Frank Act; a prior CFPB rule restricting class action waivers was overturned by Congress in 2017, leaving the current clause permissible under federal law, though state-level challenges remain active in some jurisdictions. The FTC may evaluate arbitration clauses in the context of unfair or deceptive practices under Section 5 of the FTC Act. Relevant enforcement authority includes the CFPB and state attorneys general. 2. GOVERNANCE EXPOSURE: High. The mandatory arbitration and class action waiver combination is enforceable under the Federal Arbitration Act in most U.S. jurisdictions, but California courts have on occasion declined to enforce arbitration clauses that are found to be unconscionable under California Civil Code. The 30-day opt-out window is standard in fintech agreements but requires affirmative written action, meaning users who do not act within the window are bound by the clause. 3. JURISDICTION FLAGS: California, where the agreement is governed, has an active judicial history of scrutinizing arbitration clauses for unconscionability. New Jersey and other states have at times limited the enforceability of class action waivers in consumer financial contexts. The clause applies to all U.S. users. 4. CONTRACT AND VENDOR IMPLICATIONS: Organizations integrating Cash App payments for employee disbursements or contractor payments should note that individual arbitration requirements extend to business users operating under these terms unless a separate commercial agreement is in place. The liability shift inherent in the clause may affect indemnification analyses in B2B contexts. 5. COMPLIANCE CONSIDERATIONS: Legal teams should assess whether the 30-day opt-out window has been communicated to employees or contractors who use Cash App for business purposes. Organizations with policies requiring court-accessible dispute resolution should evaluate whether use of Cash App is consistent with those policies.
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This provision requires disputes to proceed through individual arbitration administered by AAA or JAMS rather than through civil litigation, and the accompanying class action waiver means users cannot participate in consolidated or class proceedings against Block. The 30-day opt-out window is operationally time-limited and requires affirmative written action by mail.
Under this clause, users who do not opt out within 30 days of first accepting the terms are required to pursue any claims against Block individually through binding arbitration. The agreement requires this process for disputes that would otherwise be resolved in court, including claims related to account access, transactions, and fees.
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