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 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 →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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we may share data between our affiliates for the safety and security of our users and may take necessary actions if we believe you have violated these Terms, including banning you from our Services and/or our affiliates' services...
Where you provide consent, we share your information as described at the time of consent, such as when authorizing a third-party application or website to access your Skillshare account...
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"V. Data and Service Usage and OwnershipExcerpt from Cash App's 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.
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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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