The Data and Service Usage and Ownership section (Section V) governs how Cash App treats data you generate and content you submit while using the service, including the rights Block, Inc. may assert over that material.
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
Section V addresses ownership and licensing of data and content generated through use of the service, which is relevant to understanding what rights Block, Inc. asserts over user-submitted information and how that information may be used.
Interpretive note: The full text of Section V was not available in the document excerpt provided, so the specific scope of any license grant, data usage permissions, and ownership assertions cannot be assessed with confidence.
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 →Removal of 'User Content License Grant' designation suggests restructuring of intellectual property provisions, now referenced as 'Data and Service Usage and Ownership' with potentially different scope.
View full change record →New provision explicitly addressing user content ownership and licensing rights, expanding previous 'Data and Service Usage Rights' provision.
View full change record →Users' data and content generated through Cash App use is governed by Section V, which establishes the terms under which Block, Inc. may use, retain, and process that information. The Privacy Notice referenced in Section V.5 provides additional detail on personal data handling.
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"V. Data and Service Usage and Ownership— Excerpt from Cash App's Cash App Terms of Service
REGULATORY LANDSCAPE: Data ownership and usage provisions in consumer financial services engage the CCPA and state privacy equivalents, the GLBA (Gramm-Leach-Bliley Act) for financial data, and CFPB guidance on consumer data rights. If the license grant covers personal financial data, GLBA safeguards rules and CFPB open banking regulations may impose constraints on how that data is used or shared. GOVERNANCE EXPOSURE: Medium. The scope of any license grant over user-generated content and data depends on the full text of Section V, which was not fully reproduced in the available document excerpt. The reference to a separate Privacy Notice (Section V.5) suggests that data processing terms are distributed across multiple documents, which may create disclosure complexity. JURISDICTION FLAGS: California residents have specific rights under the CCPA to know, delete, and opt out of the sale of their personal information. The GLBA applies nationally to financial data. New York's SHIELD Act and similar state statutes may impose additional data security and breach notification obligations. CONTRACT AND VENDOR IMPLICATIONS: The data ownership section may affect B2B and developer integrations with Cash App, particularly regarding who owns transaction data and what rights third parties may assert. Procurement teams should assess whether data usage terms are consistent with their own regulatory obligations. COMPLIANCE CONSIDERATIONS: Compliance teams should map the data categories covered by Section V against applicable regulatory frameworks, confirm that the Privacy Notice (Section V.5) is current and consistent with operational data processing activities, and evaluate whether CCPA and GLBA rights disclosures are adequate and operationally implemented.
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Section V addresses ownership and licensing of data and content generated through use of the service, which is relevant to understanding what rights Block, Inc. asserts over user-submitted information and how that information may be used.
Users' data and content generated through Cash App use is governed by Section V, which establishes the terms under which Block, Inc. may use, retain, and process that information. The Privacy Notice referenced in Section V.5 provides additional detail on personal data handling.
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