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This page describes what the document states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability may vary by jurisdiction. Methodology
This document is Square's master agreement governing use of its services. It requires you to resolve nearly all disputes through individual arbitration — no class actions, no jury trials — and limits what Square will ever owe you to $500 or three months of fees, whichever is higher. If you cancel a paid subscription, you will not receive any refund for amounts already paid.
The Square Terms of Service establishes the binding conditions under which users access Square's platform, services, and payment infrastructure. Square receives an irrevocable, perpetual, worldwide, royalty-free, transferable, and sub-licensable license to use, modify, publish, and distribute user Content. The agreement imposes mandatory individual arbitration with class-action and jury-trial waivers for virtually all disputes, a one-year contractual limitation period for commencing claims, and a liability cap set at the greater of three months of fees earned from the user or $500, with a blanket exclusion of all recognized damage categories including direct damages. Users bear full responsibility for all account activity by any party granted access, pre-authorize law enforcement disclosure upon Square's reasonable suspicion of unauthorized or illegal use, and are subject to indefinite fund holds and account termination upon apparent sanctions violations.
As a Square user, you are fully responsible for everything that happens under your account, including actions by staff or anyone else you give access. Square can share your account information and transaction history with law enforcement based solely on its own reasonable suspicion, without seeking your additional consent at that time. Any legal claim you wish to bring must be filed within one year of when it arises, must be brought as an individual rather than as part of a class action, and will be decided by an arbitrator rather than a court — except for small claims court filings. Square's financial liability to you is capped at the greater of $500 or the fees it earned from your account in the three months before your claim, and Square excludes all warranties about its services. If you believe your account or funds have been affected, you should act promptly given the one-year window for initiating any claim.
Which mapped governance frameworks each document engages, tied to the specific provisions that engage them.
16 important changes detected
16 versions captured · Last updated: August 2026
Square reordered the list of linked terms and policies in its Terms of Service footer on August 11, 2026. The document previously listed terms in one sequence; the updated version …
View change record →Square reorganized the order of links in its Terms of Service reference section detected on August 7, 2026. The change reordered several linked documents, moving 'Bill Pay Terms', 'ACH Service …
View change record →Square reorganized the list of linked terms and policies that appear at the end of their main Terms of Service. Specific documents were reordered: 'Square Payment Terms' and 'Licenses' moved …
View change record →Square reordered the list of linked terms and service agreements displayed in their Terms of Service. Specifically, the document rearranged the sequence in which subsidiary agreements and policies are listed, …
View change record →Square reorganized the order of linked documents and policies at the bottom of their Terms of Service. Specific documents like 'Square Checking Terms of Service', 'Bill Pay Terms', and 'Afterpay …
View change record →Square reordered the list of linked legal documents in their Terms of Service on July 11, 2026. The updated version reorganized the hyperlinked references without substantively modifying the actual terms …
View change record →Square reordered a reference list of related terms and policies that follows its main waiver clause in the Terms of Service. The list was reorganized without changes to the substantive …
View change record →Square updated its Terms of Service on June 2, 2026, with an effective date of July 1, 2026. The most substantive change replaces the prior 'Bellwether Arbitration' procedures for mass …
View change record →Square reordered the list of linked terms and policies in their Terms of Service on May 30, 2026. The substantive waiver language remained unchanged. This is a formatting and organizational …
View change record →Square reorganized the order of links in its Terms of Service document footer on May 22, 2026. The substantive waiver clause and all linked terms remain unchanged; only their presentation …
View change record →Square reorganized the order of links in their Terms of Service table of contents on May 5, 2026. The substantive waiver clause itself remained unchanged. This is a formatting and …
View change record →Square removed a reference to their 'Square Payment Terms' document from the list of related terms and policies in their main Terms of Service on April 19, 2026. The substantive …
View change record →Square removed a reference to the 'Square Payment Terms' document from its list of linked terms of service on March 29, 2026. The linked document list now omits this specific …
View change record →Square reordered a list of linked terms and policies in their Terms of Service on March 19, 2026. Specifically, the Government Licenses reference moved from its original position earlier in …
View change record →Every distinct legal provision identified in this document. Featured provisions appear above with analysis.
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