“YOU AND SQUARE MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS, CLASS ACTIONS, AND REPRESENTATIVE ACTIONS ARE NOT PERMITTED. YOU WAIVE ANY RIGHT TO HAVE YOUR CASE DECIDED BY A JURY...”
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 lose the ability to join with others in collective legal action against Square and cannot have disputes decided by a jury, significantly limiting available legal remedies.
Interpretive note: The canonical claim captures two independent legal effects — the class action waiver and the jury trial waiver. The jury trial waiver is recorded in omitted_material as a secondary independent proposition.
The updated terms establish a non-compete restriction prohibiting sellers from using Square's Services to build or support competing products or services, with account termination and indefinite fund holds stated as potential consequences for violations. Square now authorizes collection of your business brand assets (names, logos, menus, photos) from publicly available sources and grants itself and its subsidiaries broad rights to use, modify, and prepare derivative works of those assets for Block's business purposes, including developing, training, testing, and improving products and services. The revised payment terms require you to select a primary payment method at signup, and authorize Square to collect fees from that method or, if collection fails, from your transaction proceeds or Square account balance; you represent and warrant that any linked bank account was not established for personal purposes and that you are an authorized user on it.
View change record →Users are required to pursue any claim against Square individually and are prohibited from participating in class arbitrations, class actions, or representative actions, and must waive jury trial rights.
How other platforms handle this
if a court decides that any of the provisions in the Prohibition of Class and Representative Actions...is invalid or unenforceable because it would prevent the exercise of a non-waivable right to pursue public injunctive relief...
13.4 If any part of terms of this Section 12 is found to be illegal or unenforceable, the remainder will remain in effect, except that if a finding of partial illegality or unenforceability would allow class arbitration, class action, or representative action, this entire dispute resolution section ...
If, after exhaustion of all appeals, any of these prohibitions...are found to be unenforceable with respect to a particular claim or request for relief...then such a claim or request for relief will be decided by a court of competent jurisdiction...
"YOU AND SQUARE MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS, CLASS ACTIONS, AND REPRESENTATIVE ACTIONS ARE NOT PERMITTED. YOU WAIVE ANY RIGHT TO HAVE YOUR CASE DECIDED BY A JURY...Excerpt from Square's Terms of Service
Coinbase's User Agreement includes a mandatory arbitration clause that most users may not have reviewed. Here is what the clause states and how the opt-out process works.
561 arbitration provisions across 197 platforms. ConductAtlas tracks how dispute resolution is being restructured across the internet.
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Users lose the ability to join with others in collective legal action against Square and cannot have disputes decided by a jury, significantly limiting available legal remedies.
Users are required to pursue any claim against Square individually and are prohibited from participating in class arbitrations, class actions, or representative actions, and must waive jury trial rights.
ConductAtlas has identified this type of provision across 196 platforms. See the full comparison.
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