This analysis describes what Square'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
Users bear full responsibility for third-party actions on their account, meaning Square can hold users accountable for misuse or unauthorized activity by anyone they have granted access.
The updated terms modify how arbitration disputes are resolved when 25 or more similar claims are brought against Square. Previously, Square's terms referenced 'Bellwether Arbitration procedures' under which test cases would be selected and remaining demands could proceed individually under standard rules if settlement failed. The updated framework establishes a mandatory mediation phase after initial arbitrations resolve, and requires remaining claims to proceed in batches of up to 100 rather than individually, with one arbitrator and consolidated fees per batch. This may reduce the procedural flexibility for claimants pursuing claims outside the initial test-case group, though the batch structure may reduce overall administrative costs. The terms now explicitly state that NAM shall administer batches concurrently and that parties will engage in a 'single global mediation' before batch proceedings commence.
View change record →Users are required to accept full responsibility for all account activity, including acts of employees, contractors, or any other person they permit to access the account.
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"You are fully responsible for all activity that occurs under your Square Account, including for any actions taken by your Personnel or other people to whom you have granted access to the Square Account.— Excerpt from Square's Square Terms of Service
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Users bear full responsibility for third-party actions on their account, meaning Square can hold users accountable for misuse or unauthorized activity by anyone they have granted access.
Users are required to accept full responsibility for all account activity, including acts of employees, contractors, or any other person they permit to access the account.
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