“Any activity conducted by a Teen User in connection with the Teen Account or the Venmo services is treated as your activity under this user agreement, and you will be responsible for all such activity.”
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 account owner bears full responsibility for every action taken by a Teen User, meaning the owner cannot disclaim liability for Teen User conduct—including any violations that may trigger enforcement actions.
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 →As the account owner, you are held responsible for all activity a Teen User conducts through the Teen Account or Venmo services, as though you conducted it yourself.
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"Any activity conducted by a Teen User in connection with the Teen Account or the Venmo services is treated as your activity under this user agreement, and you will be responsible for all such activity.Excerpt from Venmo's User Agreement
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The account owner bears full responsibility for every action taken by a Teen User, meaning the owner cannot disclaim liability for Teen User conduct—including any violations that may trigger enforcement actions.
As the account owner, you are held responsible for all activity a Teen User conducts through the Teen Account or Venmo services, as though you conducted it yourself.
ConductAtlas has identified this type of provision across 297 platforms. See the full comparison.
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