Provision record
Venmo · Venmo User Agreement · View original document ↗

Limitation of Liability

Medium severity Medium confidence Explicit document language Common · 287 of 352 platforms
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Document Record

What it is

Venmo's financial responsibility to you is limited to direct damages only; the agreement states Venmo is not liable for lost profits, indirect, or consequential damages regardless of circumstances.

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

ConductAtlas Analysis

Why it matters (compliance & governance perspective)

This provision limits the total financial recovery available to users in the event of a dispute with Venmo, excluding categories of harm such as consequential losses that may arise from payment failures or wrongful account suspension.

Interpretive note: Enforceability of the consequential damages waiver may be limited by applicable state consumer protection law and by Regulation E's non-waivable provisions; outcomes depend on jurisdiction and specific factual circumstances.

Recent Activity

This document changed recently

High Aug 25, 2026

The updated terms expand the arbitration clause to explicitly state that users agree to resolve 'most disputes by arbitration on an individual basis, a class action waiver, and a jury trial waiver.' The terms note that arbitration involves 'less discovery and appellate review than in court.' Additionally, Venmo's cash back rewards program has been restructured with specific tiered thresholds: users earn 1% baseline cash back, 2% if they spend at least $250 in a month, and 5% if they spend at least $1,500 in a month. Rewards are only applied to qualifying transactions with 'Bundle merchants' and exclude cash advances, gambling, wire transfers, cryptocurrency purchases, and certain financial institution transactions. If you return a purchase or receive a refund after earning cash back, Venmo states it may debit or withhold rewards to offset the amount. You must close your account before any changes become effective if you do not wish to be bound by them.

View change record →

Clause Stability Stable

0
Changes
4
Months Monitored
Apr 18, 2026
First Seen
May 22, 2026
Last Seen
This clause type exists across 4261 other provisions on other platforms.

Change history

removed Jul 11, 2026

The removal of the explicit liability cap may indicate revised liability terms elsewhere or a shift in Venmo's liability framework in the current agreement.

View full change record →

Consumer impact (what this means for users)

Under this provision, if a payment failure or wrongful account suspension causes financial harm beyond the direct transaction amount, the agreement states that Venmo's liability does not extend to those consequential losses; applicable consumer protection law, including Regulation E error resolution rights, may provide protections that operate independently of this contractual limitation.

How other platforms handle this

ActiveCampaign Medium

If you knowingly misrepresent that any activity or material on our Services is infringing, you may be liable to ActiveCampaign for certain costs and damages.

Leonardo AI Medium

A party's liability for any Liability under these Terms will be reduced proportionately to the extent the relevant Liability was caused or contributed to by the actions (or inactions) of the other party...

Netflix Medium

The Netflix service and/or some of the Netflix content may not be available at any time as a result of events beyond our reasonable control...we will not be held liable should such events occur.

See all platforms with this clause type →
▸ View Original Clause Language DOCUMENT RECORD
"
In no event shall Venmo be liable for lost profits or any special, incidental or consequential damages arising out of or in connection with the Venmo services, our website, or this agreement (however arising, including negligence). Venmo's liability to you or any third parties in any circumstance is limited to the actual amount of direct damages.

Excerpt from Venmo's User Agreement

ConductAtlas Analysis

Institutional analysis (regulatory & governance intelligence)

1) REGULATORY LANDSCAPE: Limitation of liability clauses in consumer financial services contracts interact with Regulation E, which establishes non-waivable consumer rights for unauthorized electronic fund transfer liability that cannot be contractually limited below the statutory …

Insight

Unlock the full institutional analysis

Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.

Applicable agencies

  • Consumer Financial Protection Bureau (cfpb)
    Regulates consumer financial products and services. Can investigate companies for unfair, deceptive, or abusive financial practices including improper fees, billing errors, and data misuse.
    Who can file: Anyone who has used a consumer financial product or service in the US
    What you need: Account number or details, dates of transactions or events, description of the issue, and any supporting documents
    What to expect: The company must respond within 15 days. The CFPB forwards your complaint and may use it in enforcement actions. Individual compensation is possible in some cases.
    File a complaint →

Applicable regulations

FTC Act Section 5
United States Federal

Provision details

Document information
Document
Venmo User Agreement
Entity
Venmo
Document last updated
May 5, 2026
Tracking information
First tracked
April 18, 2026
Last verified
May 12, 2026
Record ID
CA-P-002812
Document ID
CA-D-00113
Evidence Provenance
Source URL
Wayback Machine
Content hash (SHA-256)
d0fd2e4971b1b6970a0810d3110431c1f5c8623ecc4eabd52b2e1e01240bc4fc
Analysis generated
April 18, 2026 09:47 UTC
Methodology
Evidence
✓ Snapshot stored   ✓ Hash verified
Citation Record
Entity: Venmo
Document: Venmo User Agreement
Record ID: CA-P-002812
Captured: 2026-04-18 09:47:27 UTC
SHA-256: d0fd2e4971b1b697…
URL: https://conductatlas.com/platform/venmo/venmo-user-agreement/provision/CA-P-002812/limitation-of-liability/
Accessed: Sept. 8, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
Medium
Categories

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Frequently Asked Questions

What does Venmo's Limitation of Liability clause do?

This provision limits the total financial recovery available to users in the event of a dispute with Venmo, excluding categories of harm such as consequential losses that may arise from payment failures or wrongful account suspension.

How does this clause affect you?

Under this provision, if a payment failure or wrongful account suspension causes financial harm beyond the direct transaction amount, the agreement states that Venmo's liability does not extend to those consequential losses; applicable consumer protection law, including Regulation E error resolution rights, may provide protections that operate independently of this contractual limitation.

How many platforms have this type of clause?

ConductAtlas has identified this type of provision across 287 platforms. See the full comparison.

Is ConductAtlas affiliated with Venmo?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Venmo.