You must be at least 18 years old and a US resident to use Venmo; by accepting these terms you confirm that you meet these requirements.
This analysis describes what Venmo'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
The agreement establishes that Venmo is not authorized for use by minors, and that users represent their own eligibility; Venmo does not assume responsibility for verifying user age at registration beyond this self-representation.
Users under 18 are not eligible to use Venmo under the agreement's terms; accounts created by minors may be subject to termination, and transactions conducted through such accounts may be reversed or subject to different treatment under applicable law.
How other platforms handle this
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Our Services are not directed to children under 13. If you learn that anyone younger than 13 has unlawfully provided us with personal data, please contact us at privacy@medium.com.
The Service is intended for general audiences and is not directed to children under 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe that your child under the age of 13 has provided us with personal information without your cons...
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"To be eligible to use the Venmo services, you must be a resident of the United States and at least 18 years of age. By accepting these terms, you represent and warrant that you meet the eligibility requirements. If you do not meet these requirements, you may not use the Venmo services.— Excerpt from Venmo's Venmo User Agreement
1) REGULATORY LANDSCAPE: Age restriction provisions in financial services applications interact with COPPA (Children's Online Privacy Protection Act), which applies to online services directed to children under 13 and to operators with actual knowledge they are collecting personal information from children under 13. For users aged 13-17, no equivalent federal digital privacy law provides comprehensive protection; however, certain state laws, including California's Age-Appropriate Design Code (AB 2273), impose additional obligations on platforms likely to be accessed by minors. FTC enforcement of COPPA is relevant to the data collection practices described in the agreement. 2) GOVERNANCE EXPOSURE: Medium. The agreement relies on user self-representation of age eligibility without describing specific technical age verification measures. If minors are found to be using the service in significant numbers, this creates COPPA exposure with respect to any data collected from users under 13, and potential regulatory scrutiny regarding design choices that may attract minor users. 3) JURISDICTION FLAGS: California's Age-Appropriate Design Code, effective 2024, imposes design and privacy obligations for platforms likely to be accessed by users under 18. Similar legislation is advancing in other states. The UK Age-Appropriate Design Code (Children's Code) does not apply to this US-specific agreement. 4) CONTRACT AND VENDOR IMPLICATIONS: The agreement's reliance on user self-attestation for age verification is a standard practice in consumer financial services; however, it may create exposure if regulators determine that the platform's design or marketing reasonably attracts minor users. Vendor agreements with identity verification service providers should address COPPA compliance obligations. 5) COMPLIANCE CONSIDERATIONS: Compliance teams should evaluate whether current account creation flows include adequate age verification mechanisms, and whether the COPPA safe harbor or verifiable parental consent procedures are operationally implemented for users who may be under 13. California Age-Appropriate Design Code compliance should be assessed given the platform's broad consumer reach.
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The agreement establishes that Venmo is not authorized for use by minors, and that users represent their own eligibility; Venmo does not assume responsibility for verifying user age at registration beyond this self-representation.
Users under 18 are not eligible to use Venmo under the agreement's terms; accounts created by minors may be subject to termination, and transactions conducted through such accounts may be reversed or subject to different treatment under applicable law.
ConductAtlas has identified this type of provision across 5 platforms. See the full comparison.
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