Terms of Service

Legal Rights & Agreement Rules · Context

Agreement between you and Block, Inc. covering Cash App

These terms are a legal agreement between you (a current or prospective user) and Block, Inc. (formerly Square, Inc.). They govern your use of Cash App, which the terms describe as a financial platform including the apps, websites, software, payment and financial services, physical payment cards and accessories, and other products. By using the service you agree to these terms and to the policies they reference, which include the Privacy Notice and the Cash App Acceptable Use Policy. If you use Cash App on behalf of a business or entity, you confirm you have authority to bind it and the business accepts these terms.

Supporting quotations

These Cash App Terms of Service (the “Cash App Terms”) are a legal agreement between you, as a current or prospective user of the Services, and Block, Inc., formerly known as "Square, Inc." (hereafter, “the Company,” “we,” “our” or us”), and governs your use of Cash App, a financial platform, which includes mobile applications, websites, software, cloud-based solutions, payment and financial services, physical payment cards and accessories and other products and services (the “Service”), offered by the Company.

If you are using the Service on behalf of a business or entity, you acknowledge and agree that you have authority to bind such business or entity and that such business or entity accepts these terms.

By using the Service you agree to be bound by these Cash App Terms and any policies referenced within

By using the service, you agree to these terms.

Qualifications & exceptions

• The referenced Privacy Notice and Acceptable Use Policy are linked, not part of this saved text; their contents are not analyzed here.

Not stated here

• The contents of the linked Privacy Notice and Acceptable Use Policy were not supplied with this document.

Legal Rights & Agreement Rules · Context

Effective February 7, 2024; page last updated September 11, 2026

The terms state an effective date of February 7, 2024 and a separate "Last Updated" date of September 11, 2026. The page does not say which provisions changed on the later date.

Supporting quotations

Effective: February 7, 2024

Last Updated: September 11, 2026

Not stated here

• Which provisions changed on the last-updated date is not stated.

Legal Rights & Agreement Rules · Context

Gray-box annotations have no legal effect

The page includes annotations in gray boxes that summarize parts of the terms. The company says these annotations are not part of the terms and have no legal effect; only the terms themselves bind.

Supporting quotations

Annotations aren’t part of the terms and have no legal effect

Legal Rights & Agreement Rules · Context

“Business Day” excludes weekends and federal holidays

Throughout the terms, a "Business Day" means every day except Saturdays, Sundays and federal holidays. Deadlines and timing stated in Business Days use this definition.

Supporting quotations

the phrase “Business Day” means all days of the week except Saturdays, Sundays, and federal holidays

Legal Rights & Agreement Rules · Context

Terms limit liability and require individual arbitration

The company points users to two provisions it asks them to review carefully: the limits on its liability (Section XXIII.17) and individual arbitration for legal disputes (Sections XXIII.19 and XXIII.20). Those sections carry the actual rules.

Supporting quotations

including those provisions which limit our liability (see Section XXIII.17) and those regarding individual arbitration for potential legal disputes (see Sections XXIII.19 and XXIII.20)

Legal Rights & Agreement Rules · Permission or license

Cash App may change these terms at any time; continued use means you accept

The company may amend these terms at any time, with notice it considers reasonable under the circumstances, by posting the revised version on its website or communicating it through the service. Continuing to use the service after a revised version is posted counts as accepting it. A Dispute (as defined in Section XXIII.19) that arose before a change stays governed by the terms in place when it arose.

Supporting quotations

We may amend these Cash App Terms at any time with notice that we deem to be reasonable under the circumstances, by posting the revised version on our website, or by communicating it to you through the Services (each a “Revised Version”).

Your continued use of the Services after the posting of a Revised Version constitutes your acceptance of such Revised Version.

Any Dispute (as defined in Section XXIII.19) that arose before the changes will be governed by the Cash App Terms in place when the Dispute arose.

By continuing to use our services after these updates, you agree to the revised terms.

Qualifications & exceptions

• Notice is whatever the company deems reasonable; posting on the website can be enough.
• Disputes that arose before a change are governed by the earlier terms.

Legal Rights & Agreement Rules · Restriction or exception

Order problems are between you and the merchant; card disputes go to your issuer

Your dealings with a merchant on a Cash App Ordering Profile are between you and that merchant, not Cash App. Merchants alone handle order management, service, fulfillment, refunds, disputes and customer support. For disputes about a payment method used with the Checkout Features, you must contact your card issuer. Disputes about Local Cash Rewards or Cash App's own electronic funds transfer services (such as Cash App Pay or the Cash App Card) follow the Section XII dispute procedures, but this excludes merchant transactions made with Checkout Features on Ordering Profiles. You can contact Cash App Support at 1-800-969-1940 or cash.app/help.

Supporting quotations

Your interactions and transactions with any merchant on an Ordering Profile on Cash App are between you and that merchant, not Cash App.

Merchants using Ordering Profiles are exclusively responsible for order management, service, fulfillment, refunds, disputes, and customer support issues.

For disputes relating to the use of a supported payment method in connection with the Checkout Features, you must contact your issuer.

For any disputes or issues arising from Local Cash Rewards or Cash App’s own electronic funds transfer services (for example, Cash App Pay or use of the Cash App Card)—but not including merchant transactions using Checkout Features on Ordering Profiles—the dispute and customer support procedures outlined in Section XII of these terms apply.

Qualifications & exceptions

• Checkout merchant transactions are excluded from the Section XII procedures.

Legal Rights & Agreement Rules · Restriction or exception

AI features are informational, not advice, and take no action without your confirmation

Some Cash App features may use artificial intelligence, such as AI-Powered Chat or AI-Powered Interfaces, which may show suggestions or possible actions, answer questions, or route you to existing features. They are informational only and do not give financial, investment, legal or tax advice. You remain responsible for reviewing and confirming all actions, and no action happens without your explicit confirmation.

Supporting quotations

Certain features of Cash App may be powered by artificial intelligence

These AI-Powered Features are informational only and do not provide financial, investment, legal or tax advice.

You remain responsible for reviewing and confirming all actions before execution, and no action will occur without your explicit confirmation.

Legal Rights & Agreement Rules · Restriction or exception

AI-generated communications are automated, not advice, and create no fiduciary relationship

By using the service you agree Cash App may communicate and offer functions through AI-Powered Interfaces, such as suggested actions, usage summaries or chat responses. These are informational and educational, generated automatically, and may not reflect your full circumstances. They are not financial, legal, investment or tax advice and do not create an advisory, brokerage or fiduciary relationship. You bear ultimate responsibility for evaluating them and should seek qualified professional advice where appropriate. Every action from an AI feature requires your review and explicit confirmation in the service; no transaction, transfer, setting change or instruction is carried out solely from a conversation.

Supporting quotations

By using the Services, you agree that we may provide certain communications and functionality through AI-Powered Interfaces.

These communications are informational and educational in nature, generated automatically, and may not reflect your full circumstances.

AI-Powered Chat and Interfaces do not provide financial, legal, investment, or tax advice, and their outputs do not create an advisory, brokerage, or fiduciary relationship.

You bear the ultimate responsibility for evaluating the information provided by or in connection with any AI-Powered features.

All actions initiated through AI-Powered features require your proactive review and explicit confirmation within the Service prior to execution; no transaction, transfer, setting change, or instruction will be executed solely on the basis of a conversational interaction.

Legal Rights & Agreement Rules · Restriction or exception

Cash App alone decides account-ownership disputes, outside arbitration, and its decision is final

If two or more parties dispute who owns an account, Cash App is the sole decider in its sole discretion, notwithstanding the arbitration and dispute sections (XXIII.19 and XXIII.20). Its decision, which may include terminating or suspending the disputed Account, is final and binding on everyone involved.

Supporting quotations

Notwithstanding Sections XXIII.19 and XXIII.20, in the event of any dispute between two or more parties as to account ownership, we will be the sole arbiter of such dispute in our sole discretion.

Our decision (which may include termination or suspension of any Account subject to dispute) will be final and binding on all parties.

If there is ever a dispute about who owns your account, we are the decider.

Legal Rights & Agreement Rules · Restriction or exception

Cash App isn’t liable for P2P payments it can’t complete due to bad instructions or verification

Cash App is not liable if it cannot complete a P2P payment because the instructions were inaccurate or insufficient, the Recipient did not claim it, you or the Recipient did not provide requested information, or Cash App could not verify either identity to its satisfaction.

Supporting quotations

We shall incur no liability if we are unable to complete a P2P Payment Instruction because of inaccurate or insufficient Payment Instructions, or the failure of the Recipient to claim the P2P Payment, or because either you or the Recipient does not provide us with any information that we request, or we are unable to verify your identity or the identity of the Recipient to our satisfaction.

Legal Rights & Agreement Rules · Restriction or exception

Organizers own Pool money but must use it as stated; Cash App takes no responsibility for misuse

As Organizer you must accurately describe what contributions are for and use them only for that stated purpose and not for any prohibited use. You alone are responsible for false or misleading Pool content and any misuse. You own the money, including Pool contributions, but may not use it for other purposes. Cash App is not liable if contributions are misused, takes on no rights or obligations in them, and disputes with Contributors are the Organizer's responsibility.

Supporting quotations

You, as Organizer, shall accurately describe what the contributions will be used for, and you must use the contributions for the purpose(s) stated in the Pool.

You are solely responsible for any false, inaccurate, or misleading Pool or content in a Pool, and for any misuse of contributions.

You, as Organizer, own the money in your Cash App Account, including the contributions received in a Pool. However, you may not use contributions for purposes other than those stated in your Pool.

We will incur no liability if the contributions are not used in accordance with the stated purposes of the Pool.

Any disputes with Contributors in relation to the Pool or the use of contributions are the responsibility of the Organizer.

Legal Rights & Agreement Rules · Restriction or exception

Contributions belong to the Organizer at once; your only recourse is against the Organizer

Contributing to a Pool is at your own risk and is the same as sending money directly to the Organizer: the money becomes the Organizer's property when contributed, and the Organizer alone decides how it is used, disbursed or refunded. The Pool's title and description come from the Organizer, and Cash App does not verify or enforce them. If contributions aren't used as stated, your only recourse is against the Organizer, and Cash App has no liability to anyone named as the intended recipient. Cash App advises contributing only if you personally know and trust the Organizer.

Supporting quotations

All contributions to a Pool are made at your own risk. All contributions belong solely to the Organizer.

We assume no responsibility to verify or enforce Pool purposes, titles, or descriptions. If contributions are not used for the stated purpose, a Contributor’s only recourse is against the Organizer.

We have no liability towards any person or third party that is identified in the Pool as the intended recipient of contributions to the Pool.

Contributing to a Pool is the same as sending money directly to the Organizer and all funds contributed to the Pool are the property of the Organizer at the time they are contributed.

All decisions and determinations regarding the use, disbursement, or refunds of contributions are solely in the discretion of the Organizer. You should not contribute to a Pool unless you personally know and trust the Organizer.

Legal Rights & Agreement Rules · Restriction or exception

Cash App gives no tax advice; you must handle all taxes on your Earnings

Cash App does not provide tax advice. You alone must determine, report and pay all federal, state and local taxes on your Earnings and should consult a tax advisor.

Supporting quotations

We do not provide tax advice. You are solely responsible for determining your tax obligations and for reporting and paying all applicable federal, state, and local taxes on your Earnings.

Legal Rights & Agreement Rules · Context

Earn in P2P creates no partnership or employment; you run your own business

Earn in P2P creates no partnership, joint venture, employment or franchise relationship with Cash App. You are an independent sole proprietor solely responsible for your business, customers, pricing and legal compliance.

Supporting quotations

Nothing in this Section VII.7 creates a partnership, joint venture, employment, or franchise relationship between you and us.

You are an independent sole proprietor solely responsible for your business activities, customer relationships, pricing, and compliance with all applicable laws.

Legal Rights & Agreement Rules · Restriction or exception

Sellers must follow card network and NACHA rules, which prevail over these terms on conflict

You must comply with the card networks' rules ("Network Rules"), which change over time and may require Cash App to change these terms. If a Network Rule conflicts with these terms, the Network Rule applies unless Cash App and the network agreed otherwise. You also agree to applicable NACHA rules. Use of network logos is governed by the Network Rules; you may not contest the networks' ownership of their marks, a network may bar you from using its marks at any time, and Cash App may require changes to your website, ads or signage to comply.

Supporting quotations

You will comply with all applicable bylaws, rules, and regulations set forth by the Networks (“Network Rules”).

In the event of inconsistency between a Network Rule and these Cash App Terms, and except as otherwise agreed between the Company and the Network, the Network Rule shall apply. You also agree to be bound by any applicable NACHA Rules.

Use of Network logos and marks (“Network Marks”) is governed by the Network Rules.

You will not contest the ownership of the Network Marks, and any Network may prohibit you from using its Network Marks for any reason and at any time.

Not stated here

• The Network Rules and NACHA Rules are external and not supplied.

Legal Rights & Agreement Rules · Restriction or exception

You must immediately reimburse Cash App for network fines you cause

Not following Network Rules can lead to fines or losses for Cash App. In addition to your other indemnity duties, you must indemnify Cash App and immediately reimburse it for fines or losses caused directly or indirectly by you or your agents.

Supporting quotations

In addition to your other indemnity obligations, including the Indemnity section of these Cash App Terms, you will indemnify us and reimburse us immediately for any fines or losses directly or indirectly caused by you or your agents’ actions.

Legal Rights & Agreement Rules · Context

Cash App Cards are issued by a bank under separate cardholder terms that control on conflict

Cash App offers two Visa card programs: the Prepaid Card for Prepaid Accounts and the Debit Flex Card for Debit Flex Accounts (together, the "Cash App Card"). The company may arrange for an issuing bank to provide the card. Ordering or using it means agreeing to the issuing bank's Cash App Card Terms, which may change. Those terms are between you and the issuing bank, not the company, and if they conflict with these terms, the Card Terms govern your card use and your relationship with the bank.

Supporting quotations

Cash App offers two card programs:

Please see your cardholder agreement with the issuing bank for the applicable terms for each program.

By ordering and/or using the Cash App Card, you agree to the issuing bank’s terms and conditions, as applicable (each the “Cash App Card Terms”), which may be updated from time to time.

in the event of any inconsistency between these Cash App Terms and the applicable Cash App Card Terms, the applicable Cash App Card Terms shall govern your use of the Cash App Card and your relationship with the issuing bank.

Not stated here

• The issuing bank cardholder agreements were not supplied.

Legal Rights & Agreement Rules · Restriction or exception

Cash App isn’t responsible for a lost, stolen or misused card except as these terms or law provide

Except as these terms otherwise say or the law requires, the company is not responsible if your Cash App Card is lost, stolen, destroyed or used without your permission. Your rights for unauthorized transactions are set out in Section XII.

Supporting quotations

Except as otherwise set forth herein or required by applicable law, the Company is not responsible if your Cash App Card is lost, stolen, destroyed, or used without your permission.

Qualifications & exceptions

• Section XII.3 gives liability limits for unauthorized electronic transfers that this disclaimer carves out.

Legal Rights & Agreement Rules · Context

Tag transactions show on statements; a separate Tag warranty and return policy is incorporated

Tag transactions appear in your app activity and statements labeled as Cash App Tag transactions (see Section XII). The separate Cash App Tag Limited Warranty and Return Policy governs the Tag's limited warranty and returns and is incorporated into these terms.

Supporting quotations

Transactions initiated using a Cash App Tag will appear in the activity section of your Cash App and on your account statements as Cash App Tag transactions.

governs the limited warranty applicable to the Tag and the terms and conditions under which a Cash App Tag may be returned.

The Tag Warranty and Return Policy is incorporated by reference into these Cash App Terms.

Not stated here

• The incorporated Tag Warranty and Return Policy was not supplied with this document.

Legal Rights & Agreement Rules · Restriction or exception

Cash App isn’t responsible for a lost, stolen or misused Tag except as law or these terms require

Cash App makes no guarantees about your Tag and is not responsible if it is lost, stolen, destroyed or used without permission, except as the law requires or these terms provide.

Supporting quotations

We make no guarantees regarding your Cash App Tag and are not responsible if it is lost, stolen, destroyed, or used without your permission, except as otherwise required by applicable law or set forth in these Cash App Terms.

Qualifications & exceptions

• Because Tag payments are card transactions, Section XII unauthorized-transfer protections may still apply.

Legal Rights & Agreement Rules · Context

Your crypto is treated as a financial asset in a securities account under California UCC Division 8

Virtual currency credited to your account is treated as "financial assets" under Division 8 of the California Uniform Commercial Code; the company is a "securities intermediary" and your Virtual Currency Account is a "securities account" for that purpose. The terms quote Division 8 that this characterization does not decide how the person or transaction is treated under other laws, including the Commodity Exchange Act or securities laws.

Supporting quotations

All Virtual Currency credited to your Virtual Currency Account will be treated as “financial assets” under Division 8 of the California Uniform Commercial Code (“Division 8”).

We are a “securities intermediary” as used in Division 8 with respect to Virtual Currency, and your Virtual Currency Account is a “securities account” as used in Division 8.

including the United States Commodity Exchange Act and any federal, state, or foreign securities law or regulation.

Not stated here

• The practical effect of Division 8 treatment depends on that external law, which is not supplied or interpreted here.

Legal Rights & Agreement Rules · Restriction or exception

Disputes with third parties over crypto transfers are yours to resolve

Cash App is not responsible for goods or services you get from, or actions by, a third party in connection with a virtual currency transfer, or for whether that party completes the transaction or is authorized to. Resolve such disputes directly with the third party.

Supporting quotations

We are not responsible for any goods or services that you may receive from, or any action by, a third party with respect to any transfer of Virtual Currency.

If you have a dispute with any third party with respect to any Virtual Currency transfer you should resolve the dispute directly with that third party.

Legal Rights & Agreement Rules · Restriction or exception

For crypto, Cash App owes only ordinary diligence; unauthorized-access losses need its gross negligence

For virtual currency, the company's responsibility is limited to ordinary diligence in operating the services, giving you access, and keeping unauthorized people out. It is not responsible for unauthorized access or resulting loss unless caused only by its gross negligence or willful misconduct. You have no claim for lost virtual currency unless you prove you did not cause or contribute to the loss.

Supporting quotations

Our responsibility is limited to the exercise of ordinary diligence in operating the Virtual Currency Services and giving access to your Virtual Currency and in preventing access to your Virtual Currency by unauthorized persons.

We are not responsible for any unauthorized access or loss or harm an unauthorized access may cause, unless caused only by our gross negligence or our willful misconduct.

You will have no claim against us for loss of your Virtual Currency unless you prove that the loss was not caused or contributed to by you.

Qualifications & exceptions

• The burden is on you to prove you did not contribute to a loss.

Legal Rights & Agreement Rules · Restriction or exception

For crypto, Cash App is not your broker, agent or fiduciary and gives no advice

You agree that for virtual currency the company is not acting as your broker, intermediary, agent, advisor or fiduciary, and nothing it tells you counts as advice.

Supporting quotations

we are not acting as your broker, intermediary, agent, or advisor, or in any fiduciary capacity, and (b) no communication or information provided to you by us shall be considered or construed as advice.

Qualifications & exceptions

• Section IX.2 separately describes the company as a "securities intermediary" for UCC Division 8 purposes.

Legal Rights & Agreement Rules · Restriction or exception

The Bitcoin Merchant Map comes from a third party and isn’t guaranteed accurate

Cash App may show a map of businesses that accept bitcoin, powered by third-party provider BTCmap.org and including Square Sellers and other businesses. Cash App and Block make no promises about its accuracy, completeness or reliability, including whether a listed business accepts bitcoin or still operates. A listing is not an endorsement or partnership, and your dealings with listed businesses are solely between you and them.

Supporting quotations

This feature is powered by a third-party service provider, BTCmap.org, and includes information about both Square Sellers and other businesses.

Cash App and Block make no representations or warranties regarding the accuracy, completeness, or reliability of any information displayed on the Bitcoin Merchant Map

You acknowledge that your interactions with any business shown on the Bitcoin Merchant Map are solely between you and that business.

Legal Rights & Agreement Rules · Context

Investing disclosures are incorporated and apply to related messages and AI features, even without an account

Cash App Investing's Disclosures are incorporated into these terms. They apply to any Cash App messaging or services that mention or interact with Cash App Investing, such as the AI Products in Section XXII, whether or not you have an investing account, and using Cash App or its investing or AI services means you acknowledge them.

Supporting quotations

are hereby incorporated into the Cash App Terms of Service.

These disclosures apply to any Cash App messaging or services that mention, involve, or otherwise interact with Cash App Investing’s services, such as the AI Products defined within Section XXII of the Cash App Terms of Service, regardless of whether you have a Cash App Investing account at the time.

Not stated here

• The incorporated Cash App Investing Disclosures were not supplied with this document.

Legal Rights & Agreement Rules · Context

Business Accounts are governed by separate Cash App Business Terms

Opening, using or switching to a Business Account means accepting the separate Cash App Business Terms, which govern the Business Account and related "Business Services".

Supporting quotations

By opening, using, or switching to a Cash App Business Account, you accept and agree to the

Your access to and use of your Cash App Business Account and any related services, features, and functionality (collectively, the “Business Services”) is governed by the Cash App Business Terms.

Not stated here

• The Cash App Business Terms were not supplied with this document.

Legal Rights & Agreement Rules · Restriction or exception

Cash App disclaims all warranties on business sellers and their goods; seller refund policies apply

The company is not responsible for, and makes no warranties about, sellers with Business Accounts or the goods and services you buy from them, and expressly disclaims implied warranties of title, merchantability, fitness for a particular purpose and non-infringement. Purchases follow the seller's refund or cancellation policy, not Cash App's.

Supporting quotations

WE ARE NOT RESPONSIBLE FOR AND MAKE NO WARRANTIES WITH RESPECT TO ANY SELLERS WITH CASH APP BUSINESS ACCOUNTS THAT YOU ELECT TO PAY OR GOODS OR SERVICES THAT YOU ELECT TO PURCHASE FROM CASH APP BUSINESS ACCOUNTS.

WE EXPRESSLY DISCLAIM ANY AND ALL IMPLIED WARRANTIES

Your purchase from a Cash App Business Account is subject to the refund or cancellation policy of the applicable seller, not these Cash App Terms or our policies or procedures.

Legal Rights & Agreement Rules · Procedure

Non-Regulation E account problems must be reported within 60 days or review is at Cash App’s discretion

For account problems that are not electronic fund transfers covered by Regulation E, this procedure applies and supplements other agreements. You can report by phone at 1-800-969-1940, by mail to Block, Inc., Attn: Cash Disputes, or by in-app chat. You must notify Cash App within 60 days of receiving the statement showing the problem; if you don't, review and resolution are entirely at Cash App's discretion. For timely notices, Cash App will investigate within a reasonable time.

Supporting quotations

This section does not apply to electronic fund transfers governed by Regulation E.

For all other problems or inquiries related to your account, this section will apply, and will supplement, not replace, other applicable agreements where this section and that agreement are not inconsistent.

If you notice a problem on your account, please call us at 1-800-969-1940

You agree to provide notice to us within 60 Days of receiving the Statement reflecting the problem. If you fail to do so, you agree that our review and resolution of your inquiry is solely in our discretion..

For timely notices, we will investigate the alleged problem within a reasonable period of time.

Qualifications & exceptions

• The text points to "Section XII.b" for Regulation E transfers; that procedure appears as XII.2.b.

Not stated here

• Regulation E is an external federal regulation; its content is not supplied here.

Legal Rights & Agreement Rules · Procedure

For Regulation E errors, including unauthorized transfers, dispute in the app or by phone

For electronic fund transfers governed by Regulation E, Subpart A, terms have their Regulation E meaning, and an "error" includes an unauthorized electronic fund transfer. To report an error you can use the in-app dispute process (available for products such as the Cash App Card and P2P) or in-app chat for other products, or call 1-800-969-1940, which Cash App says is its only support number.

Supporting quotations

The following section applies to electronic funds transfers as governed by Regulation E, Subpart A.

including the definition of “error,” which includes “unauthorized electronic funds transfers.”

Some products support the ability to submit disputes in the app through the in-app dispute process, including Cash App Card and P2P. For other products, you can submit a dispute in the app via the chat function.

Call us at 1-800-969-1940. Please note this is the only phone number available for Cash App support.

Not stated here

• Regulation E itself is external and not supplied.

Legal Rights & Agreement Rules · Procedure

Report account errors within 60 days of the first statement showing them to get investigation and provisional credit

Contact Cash App as soon as you can if you think there's an error. To benefit from an investigation, possible provisional credit or other relief, you must report within 60 days after Cash App sent the first statement on which the error appeared. Give your name and account details ($Cashtag, email or phone), why you think there's an error, the dollar amount, and roughly when it happened. Unauthorized transactions have additional rules in Section XII.3.

Supporting quotations

To benefit from an investigation, potential provisional credit, or other relief as set forth in this section, you must report the error within 60 days after the date we sent you the FIRST statement on which you believe the error occurred.

When contacting us regarding a potential error please provide:

Your name and Account information (including $Cashtag, email and/or phone number);

Why you believe there is an error,

The dollar amount involved; and

Approximately when the error took place.

Legal Rights & Agreement Rules · Company commitment

Cash App decides errors within 10 business days, or up to 45/90 days with provisional credit

If you report verbally, Cash App may require it in writing within 10 Business Days. It will decide whether an error occurred within 10 Business Days and correct errors promptly. If it needs more time it may take up to 45 days, but then it will provisionally credit your account within 10 Business Days for the disputed amount; if it asked for a written complaint and doesn't get one within 10 Business Days, it may choose not to credit you. For new accounts and point-of-sale transactions, investigations may take up to 90 days, and for new accounts provisional credit may take up to 20 Business Days. Cash App will tell you the results within three Business Days of finishing; if it finds no error it sends a written explanation, and you can ask for copies of the documents it used.

Supporting quotations

If you notify us verbally, we may require that you send us your complaint or question in writing within 10 Business Days.

We will determine whether an error occurred within 10 Business Days after we hear from you and will correct any error promptly.

If we need more time however, we may take up to 45 days to investigate your complaint or question. If we decide such a step is necessary we will credit your Account within 10 Business Days for the amount you think is in error

If we ask you to put your complaint or question in writing and do not receive it within 10 Business Days, we may, at our discretion, not credit your Account.

For errors involving new Accounts, as well as point-of-sale transactions, we may take up to 90 days to investigate your complaint or question. For new Accounts, we may take up to 20 Business Days to credit your Account for the amount you think is an error.

We will tell you the results within three Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Legal Rights & Agreement Rules · Procedure

Remittance errors must be reported within 180 days; Cash App decides within 90 days

For remittance transfers governed by Regulation E, Subpart B, you can report errors or ask questions through in-app Support chat, by calling 1-800-969-1940, or by writing to Block, Inc., Attn: Cash Disputes. You must contact Cash App within 180 days of the date it disclosed the funds would be available to the recipient, giving your name and phone or address, the problem and why, the recipient's name (and contact if known), the dollar amount, and the confirmation code. Cash App will decide within 90 days, correct errors promptly, report results within 3 Business Days of finishing, explain in writing if there was no error, and provide documents on request. Business Days exclude weekends and federal holidays.

Supporting quotations

The following section applies to remittance transfers as governed and defined by Regulation E, Subpart B.

Contact us through your Account in the app:

Open your profile and tap Support

Tap Chat and chat with Support

Call us at 1-800-969-1940.

Write us at Block, Inc., Attn: Cash Disputes

You must contact us within 180 days of the date we disclosed that funds would be made available to the Designated Recipient.

Your name and telephone number or address;

The error or problem with the transfer, and why you believe it is an error or problem;

The name of the Designated Recipient receiving the funds

The dollar amount of the transfer; and

The confirmation code or number of the transaction.

We will determine whether an error occurred within 90 days after we hear from you and will correct any error promptly.

Our Business Days are all days of the week except Saturdays, Sundays, and federal holidays.

Not stated here

• Regulation E, Subpart B is external and not supplied.

Legal Rights & Agreement Rules · Company commitment

Cash App is liable for failing to complete transfers on time or correctly, with listed exceptions

If Cash App does not complete a transaction to or from your account on time or in the right amount under these terms, it is liable for your losses or damages. Exceptions, subject to applicable law, include: you lacked sufficient funds through no fault of Cash App; your funds were subject to legal process or other encumbrance; the ATM lacked cash; you knew the app was malfunctioning when you started; or circumstances beyond Cash App's control prevented it despite reasonable precautions.

Supporting quotations

If we do not complete a transaction to or from your Account on time or in the correct amount in accordance with these Cash App Terms, we will be liable for your losses or damages. However, there are some exceptions.

If, through no fault of ours, you have insufficient funds in your Account, Cash App Balance, or Linked Account (including your credit card) to complete the transaction;

If your funds are subject to legal process or other encumbrance that restricts transfers;

If the ATM where you are making the Transaction or using your Cash App Card does not have enough cash;

If the Cash App was not working properly and you knew about the breakdown when you started the transaction;

If circumstances beyond our control prevent the transaction, despite reasonable precautions that we have taken.

Qualifications & exceptions

• The list is introduced with "for instance", so other exceptions may exist; Section XXIII.6 lists further circumstances.

Legal Rights & Agreement Rules · Restriction or exception

Disputing with your bank or a merchant is not notice to Cash App; funding-source rules govern reimbursement

When you contest a transaction with an outside funding source, such as the bank that issued your linked debit card, your reimbursement rights depend on that funding source. Filing a dispute with a third party, including your bank or a merchant, is not notice of an error to Cash App; the Section XII error procedures apply only to disputes filed directly with Cash App.

Supporting quotations

your rights when requesting reimbursement for a completed transaction are determined by the funding source used to fund the applicable transaction.

Filing a dispute with a third-party, including your external financial institution or a merchant does not constitute notice of an error with us. The error resolution sections of this agreement will only apply to disputes filed directly with Cash App as described in Section XII.

Legal Rights & Agreement Rules · Restriction or exception

Sellers alone are responsible for their promotions; NSP disputes are between you and the seller

Neighborhoods Sellers are entirely responsible for their promotions (NSPs) and related marketing, including availability, amount, conditions and honoring them. Cash App is not a merchant or seller and is not responsible for NSP disputes, which are between you and the seller. Cash App may still change NSP terms and modify or cancel an NSP at any time. You pay any sales tax from using an NSP, and NSPs are void where prohibited.

Supporting quotations

In all cases, Neighborhoods Sellers are entirely responsible for NSPs, and related marketing content

Cash App is not responsible for disputes relating to NSPs, which are entirely between you and the Neighborhoods Seller providing the offer in the NSP.

Cash App is not a merchant or Neighborhoods Seller. Terms relating to NSPs are subject to change by Cash App, and Cash App reserves the right to modify or cancel an NSP at any time.

Customers are responsible for paying any applicable sales tax related to the use of an NSP.

Legal Rights & Agreement Rules · Restriction or exception

Each check deposit is your promise that the check is eligible and the image and data are accurate

Each time you submit an Electronic Check you promise that the check is an Eligible Check at that moment, that the information you submit (such as the amount you type) is true, accurate and complete, and that the image clearly and accurately shows the MICR line, date, payee name (which must be you), the writer's signature and your endorsement.

Supporting quotations

Each time that you submit an Electronic Check with Mobile Check Capture, you represent and warrant to us that all of the following are true:

The check that you are using to create the Electronic Check is an Eligible Check

All of the information you submit to us in connection with the Electronic Check (such as the check amount that you input manually) is true, accurate, and complete;

The MICR data on the bottom of the check front;

The check date;

The name of the person to whom the check is written (which must be you);

The check writer’s signature; and

Your endorsement on the back of the check.

Legal Rights & Agreement Rules · Restriction or exception

Cash App disclaims merchant warranties; merchant refund rules apply and refunds may not go to the original source

The company is not responsible for and makes no warranties about merchants you pay, goods or services you buy, or donations you make with Cash App Pay, and disclaims implied warranties. Purchases follow the merchant's refund or cancellation policy, not Cash App's. Refunds can't exceed the payment, merchants won't give cash refunds, and refunded money comes back to you but may not go to the original payment source.

Supporting quotations

WE ARE NOT RESPONSIBLE FOR AND MAKE NO WARRANTIES WITH RESPECT TO ANY MERCHANTS THAT YOU ELECT TO PAY, GOODS OR SERVICES THAT YOU ELECT TO PURCHASE, OR DONATIONS YOU ELECT TO MAKE VIA CASH APP PAY.

Your purchase using Cash App Pay is subject to the refund or cancellation policy of the applicable Merchant, not these Cash App Terms or our policies or procedures.

A refund will not exceed the total amount of the applicable Payment. Merchants will not give cash refunds.

Transactions may not be refunded to the original Payment Source.

Legal Rights & Agreement Rules · Restriction or exception

AI output carries no accuracy guarantee and shouldn’t be relied on as advice; Cash App may remove or monitor it

Cash App need not monitor AI Content but may remove it at any time for any reason without notice, and may monitor it to detect fraud or violations. You may see offensive content. Cash App does not guarantee Outputs are accurate, complete, reliable or non-infringing, takes no responsibility for any content or its loss, and says you should not rely on Outputs as fact or as a substitute for financial, investment, tax or other professional advice. Block may limit how many Outputs you create.

Supporting quotations

Although we have no obligation to monitor any AI Content, we have absolute discretion to remove AI Content at any time and for any reason without notice.

We may also monitor such AI Content to detect and prevent fraudulent activity or violations of these or other applicable terms.

We do not warrant or guarantee the accuracy, completeness or reliability of any Output, or that any Output or use of it does not infringe any third-party rights.

You should not rely on outputs as factual or as a substitute for financial, investment, tax or any professional advice. Block may impose limits on the number of Outputs you can create with AI Products.

Legal Rights & Agreement Rules · Restriction or exception

AI features give no personalized advice, create no fiduciary duty, and Cash App disclaims reliance on them

Cash App may offer AI features for conversational support, usage summaries, suggested actions or routing to features. They are informational only, not financial, investment, legal or tax advice, and do not give personalized advice or suggestions or create any fiduciary duty. You must confirm any action, and nothing happens without your explicit confirmation. To the fullest extent the law allows, the company disclaims all liability for reliance on anything these features provide.

Supporting quotations

These AI-Powered features are informational only and do not provide financial, investment, legal, or tax advice.

You are solely responsible for confirming any action made available by AI-Powered features before execution, and no transaction will occur without your explicit confirmation.

AI-Powered features do not create any fiduciary duty between you and the Company. AI-Powered features do not provide personalized advice or suggestions.

To the maximum extent permitted by law, the Company disclaims all liability for reliance on information, summaries, potential actions or anything that may be interpreted as advice or suggestions provided through AI-Powered features.

Legal Rights & Agreement Rules · Restriction or exception

Cash App isn’t liable for failed transactions in eleven listed situations

Subject to applicable law, Cash App is not liable for failing to complete transactions when: you lack funds through no fault of Cash App; a merchant refuses your card; your information is wrong, incomplete, ambiguous or late; an ATM lacks cash; a terminal malfunctions; your funds were blocked after you reported your card lost or stolen; your card is damaged; your funds are on hold or subject to legal process; Cash App believes the transaction is unauthorized; events beyond its control (fire, flood, power failure, strike, critical provider failure, computer breakdown, government action, natural disaster) prevent it despite reasonable precautions; or any other exception in its agreement with you.

Supporting quotations

Subject to applicable law, we will not be liable, for failure to complete transactions in the following circumstances:

(b) A merchant refuses to accept your Cash App Card;

(i) We have reason to believe the requested transaction is unauthorized;

(j) Circumstances beyond our control

(k) Any other exception stated in our Agreement with you.

Legal Rights & Agreement Rules · Context

Cash App is an independent contractor, acting as your limited agent only for custody and transfer of funds

The company is an independent contractor for all purposes, except that it acts as your limited agent for holding and transferring your funds as described in these terms.

Supporting quotations

We are an independent contractor for all purposes, except that we act as your limited agent with respect to the custody and transfer of your funds for the purposes set forth herein only.

Legal Rights & Agreement Rules · Restriction or exception

Choosing Business, Earn in P2P or “Personal” is a tax certification about reportable payments

When you indicate a Business Account or use Earn in P2P to accept payments for goods and services, you certify you are receiving "reportable payment transactions" as defined in Treas. Reg. § 1.6050W–1(a)(3) and related state and local rules. When you mark P2P use as "Personal", you certify you are receiving only payments that are not reportable payment transactions; Personal use does not allow receiving payment for goods and services that are reportable payment transactions.

Supporting quotations

When indicating that you are a Cash App Business Account, or when using the Earn in P2P Service to accept payments for goods and services, you certify that your use of Payment Services through Cash App is to receive payment(s) that are “reportable payment transactions” as defined in Treas. Reg. § 1.6050W–1(a)(3)

When indicating that your use of the Peer-to-Peer Service is “Personal”, you certify that such use is solely for receipt of payments other than reportable payment transactions.

Not stated here

• The cited Treasury regulation is external law and not supplied.

Legal Rights & Agreement Rules · Restriction or exception

You must defend and cover Cash App’s losses from claims tied to your breach, misuse or account use

You must indemnify, defend and hold harmless the company, its processors and their people and affiliates against all claims, costs, losses, damages, judgments, tax assessments, penalties, interest and expenses (including reasonable attorneys' fees) from any claim, action, audit, investigation or proceeding arising from: your actual or alleged breach of these terms; your wrongful or improper use; your violation of third-party rights such as privacy, publicity or IP; your violation of any law; your buyers' claims about the company's processing of their personal information for you; or anyone's use of the service with your name, password or security code.

Supporting quotations

You will indemnify, defend, and hold us and our processors (and our respective employees, directors, agents, affiliates and representatives) harmless from and against any and all claims

(a) any actual or alleged breach of your representations, warranties, or obligations set forth in these Terms; (b) your wrongful or improper use of the Services;

(f) any other party’s access and/or use of the Services with your unique name, password or other appropriate security code.

Qualifications & exceptions

• Indemnity covers "actual or alleged" breaches and use by others with your credentials.

Legal Rights & Agreement Rules · Restriction or exception

Cash App and its hardware, including the Tag, are provided “as is” with no warranties

For the warranty and liability sections, "the Company" includes its processors, suppliers, licensors and their affiliates and staff. The services and any hardware, including the Cash App Tag, are provided "as is" without express, implied or statutory warranties, including merchantability, fitness for a particular purpose and non-infringement. The company does not guarantee the services are accurate, reliable, meet your needs, available at any time or place, uninterrupted, error-free, secure, corrected, or virus-free. This does not affect the separate Tag Limited Warranty and Return Policy. The company does not warrant or take responsibility for third-party products or services or for goods and services paid for through Cash App.

Supporting quotations

THE USE OF “THE COMPANY” IN SECTIONS XXIII.16 AND XXIII.17 MEANS THE COMPANY, ITS PROCESSORS, ITS SUPPLIERS, AND ITS LICENSORS

THE SERVICES AND ANY HARDWARE PRODUCTS MADE AVAILABLE THROUGH THE SERVICES, INCLUDING THE CASH APP TAG, ARE PROVIDED “AS IS” WITHOUT REPRESENTATION OR WARRANTY, WHETHER IT IS EXPRESS, IMPLIED, OR STATUTORY.

THE COMPANY DOES NOT WARRANT OR GUARANTEE THAT THE SERVICES ARE ACCURATE, RELIABLE OR CORRECT;

does not affect our Tags Limited Warranty and Return Policy for Tags purchased through Cash App

The Company does not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party. The Company does not have control of, or liability for, goods or services that are paid for using the Services.

Qualifications & exceptions

• The Tag carve-out cites "Section XXII.16"; the no-warranty section is XXIII.16.

Legal Rights & Agreement Rules · Restriction or exception

Cash App’s total liability is capped at the greater of 3 months of fees or $500; no liability for hacking

To the fullest extent the law allows, the company is not liable for any direct, indirect, punitive, incidental, special, consequential or exemplary damages, including lost profits, goodwill, use or data, from using or being unable to use the service, and never for loss that is not reasonably foreseeable. It is never responsible for damage, loss or injury from hacking, tampering or other unauthorized access to the service or your account or its information. Its total liability is limited to the greater of the fees it earned from your use in the three months before the claim arose, or $500. This applies to any legal theory, even if the company was warned of the possible damage.

Supporting quotations

IN NO EVENT WILL THE COMPANY BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES

IN ALL CASES, THE COMPANY WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE THAT IS NOT REASONABLY FORESEEABLE.

UNDER NO CIRCUMSTANCES WILL THE COMPANY BE RESPONSIBLE FOR ANY DAMAGE, LOSS, OR INJURY RESULTING FROM HACKING, TAMPERING, OR OTHER UNAUTHORIZED ACCESS OR USE OF THE SERVICES OR YOUR CASH APP ACCOUNT, OR THE INFORMATION CONTAINED THEREIN.

THE TOTAL LIABILITY OF THE COMPANY IS LIMITED TO THE GREATER OF (A) THE AMOUNT OF FEES EARNED BY US IN CONNECTION WITH YOUR USE OF THE SERVICES DURING THE THREE (3) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM FOR LIABILITY, OR (B) $500.

THIS LIMITATION OF LIABILITY SECTION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS

Qualifications & exceptions

• Limits apply "to the maximum extent permitted by applicable law"; Section XII separately commits to liability for failed transfers and limits your unauthorized-transfer losses.

Legal Rights & Agreement Rules · Restriction or exception

Third-party products come only with their maker’s warranty and support

Third-party products included or sold with the services carry only the third party's warranty and terms, and the third party alone handles service and support; contact the manufacturer. The company makes no warranties about them and disclaims merchantability, non-infringement and fitness for purpose.

Supporting quotations

All third party products included or sold with the Services are provided solely according to the warranty and other terms specified by such third party, who is solely responsible for service and support for its product.

THE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO SUCH THIRD PARTY PRODUCTS

Legal Rights & Agreement Rules · Context

“Disputes” covers any claim with Cash App, including past conduct; a specific clause covers individuals

For the arbitration section, "Disputes" means any claim, controversy or dispute between you and the company or its processors, suppliers or licensors (and their affiliates and staff), whenever it arose, including conduct before these terms took effect, and including anything relating to these terms, the services or the relationship. The terms then set out an arbitration provision that applies to individual Cash App customers.

Supporting quotations

“Disputes” are defined as any claim, controversy, or dispute between you and the Company, its processors, suppliers or licensors

including any claim, controversy, or dispute based on any conduct of you or the Company that occurred before the effective date of these Terms

If you are an individual Cash App customer, this arbitration provision applies to you:

Qualifications & exceptions

• Disputes include claims about conduct that predates these terms.

Legal Rights & Agreement Rules · Restriction or exception

Individuals must arbitrate disputes one-on-one; no class actions or jury trials, except small claims

For individual customers, all Disputes not resolved informally or brought in small claims court go to individual arbitration before a neutral arbitrator who can award the same individual relief a court can. Arbitration is individual only: class arbitrations, class actions, representative actions, mass actions and consolidation are not allowed. You waive any right to a jury trial and to join a class action against the company. Disputes can still be settled on a class or consolidated basis. If any arbitration term, including the Bellwether procedures, is unenforceable, it is severed and the rest enforced, but never so as to allow a class, consolidated, mass or representative arbitration.

Supporting quotations

You and the Company agree that any and all Disputes, except those that are resolved informally or brought in a small claims court, will be individually arbitrated by a neutral arbitrator who has the power to award the same individual damages and individual relief that a court can.

CLASS ARBITRATIONS, CLASS ACTIONS, REPRESENTATIVE ACTIONS, MASS ACTIONS, AND CONSOLIDATION WITH OTHER ARBITRATIONS ARE NOT PERMITTED.

YOU WAIVE ANY RIGHT TO HAVE YOUR CASE DECIDED BY A JURY AND YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION AGAINST THE COMPANY.

Nothing in this agreement prevents you or the Company from settling Disputes on a class, representative, or consolidated basis.

the unenforceable term will be severed, and the remaining terms will be enforced (but in no case will there be a class action, consolidated action, mass action or representative action arbitration).

Qualifications & exceptions

• This is the arbitration provision for individual customers; a parallel provision applies to Business Account customers.
• You can opt out of arbitration within 30 days (see the opt-out card).

Legal Rights & Agreement Rules · Procedure

Before suing or arbitrating, you must send a signed individual notice and personally meet and confer within 60 days

Before any arbitration, small claims case or permitted lawsuit, each side must send a written Notice and personally meet and confer to try to resolve the Dispute; skipping this is a material breach. Notices to the company go by mail to Block, Inc., Attn: Arbitration Agreement, 1955 Broadway, Suite 600, Oakland, CA 94612. The Notice must include your name, mailing address, $Cashtag, email and phone; enough detail to evaluate your individual claim; the specific relief sought with a good-faith dollar calculation and how it was computed; and your personal signature. A Notice for multiple parties is invalid as to all. The parties try to resolve it within 60 days, including an individual phone or video conference that you must personally attend even if you have a lawyer. Limitation periods are paused during this process.

Supporting quotations

each party agrees to send to the other party a written Notice (“Notice”) and personally meet and confer to informally resolve any Dispute.

Both parties recognize that this is an important requirement, and that breach of this requirement would be a material breach of the Terms.

Any Notice to the Company should be sent by mail to Block, Inc., Attn: Arbitration Agreement, 1955 Broadway, Suite 600, Oakland, CA 94612.

(iv) be personally signed by you or the Company, as applicable.

A Notice brought on behalf of multiple parties is invalid as to all.

If you are represented by counsel, your counsel may participate in the conference, but you shall also fully participate in the conference.

Any statute of limitations shall be tolled while the parties engage in the informal resolution process required by this paragraph.

Qualifications & exceptions

• This is the arbitration provision for individual customers; a parallel provision applies to Business Account customers.

Legal Rights & Agreement Rules · Procedure

After the 60-day process either side may choose small claims or arbitration; skipping steps allows dismissal

Only after the 60-day period and the conference may either side give written notice electing small claims court or arbitration; the other side then has 7 days to respond, including to choose small claims. After that, either may start arbitration if not in small claims. Completing the informal process is a condition precedent; failing it lets the other side seek immediate dismissal and costs. If either side chooses small claims, the Dispute stays there. Courts in Oakland/Alameda County or the Northern District of California may enforce these pre-filing steps, including by staying an arbitration, and may decide whether a claim was previously released.

Supporting quotations

After that sixty (60) day period and not before, and after the informal resolution conference has occurred and not before, either party may elect, in a written Notice to the other party as described above, that it will pursue the matter either through small claims court or arbitration.

The party receiving the notice shall then have seven (7) days to respond, including to elect for the case to be heard by a small claims court with jurisdiction.

A party’s failure to satisfy this condition precedent entitles the opposing party to seek immediate dismissal of the arbitration or litigation (where permitted) and the right to seek reimbursement of its costs.

If either party elects small claims court, the Dispute will be resolved in that forum and not through arbitration.

may enter injunctive relief to enforce the pre-filing requirements of this paragraph, including an injunction to stay an arbitration that has been commenced in violation of this paragraph.

Qualifications & exceptions

• This is the arbitration provision for individual customers; a parallel provision applies to Business Account customers.

Legal Rights & Agreement Rules · Procedure

Arbitration is run by NAM under its rules; the arbitrator decides enforceability questions

Disputes not resolved informally or in small claims are finally resolved by binding individual arbitration before one arbitrator administered by National Arbitration and Mediation (NAM) under its Comprehensive Rules and, where applicable, its Mass Arbitration rules. If NAM is unavailable, either side may ask a court to appoint an arbitrator under 9 U.S.C. § 5. Except as stated and for small claims matters, the arbitrator decides threshold arbitrability questions, including whether the terms are enforceable, unconscionable or illusory and defenses such as waiver or delay.

Supporting quotations

all Disputes will be resolved finally and exclusively by binding individual arbitration with a single arbitrator (the “Arbitrator”) administered by National Arbitration and Mediation (“NAM”)

In the event NAM is unavailable to administer the arbitration, either party may invoke 9 U.S.C. § 5 to request that a court appoint the Arbitrator.

the Arbitrator shall be responsible for determining all threshold arbitrability issues, including issues relating to whether the Cash App Terms (or any aspect thereof) are enforceable, unconscionable or illusory

Qualifications & exceptions

• Individual-customer arbitration provision; the Business Account provision has parallel terms.

Not stated here

• The NAM rules and the cited federal statute are external and not supplied.

Legal Rights & Agreement Rules · User right or choice

Either side can take an individual dispute to small claims court, even after an arbitration demand

Subject to jurisdiction rules, either side may pursue a Dispute in local small claims court instead of arbitration, as long as it stays there and is individual. If an arbitration demand was filed but no arbitrator chosen yet and the claim fits the filer's local small claims court, the other side can ask for small claims, and the provider closes the arbitration once outstanding fees are paid.

Supporting quotations

either party may elect to pursue a Dispute in a local small-claims court rather than through arbitration so long as the matter remains in small claims court and proceeds only on an individual basis.

the other party can send a written notice to the opposing party and the arbitration provider requesting that the Dispute be decided in small claims court.

Qualifications & exceptions

• Individual-customer arbitration provision; the Business Account provision has parallel terms.

Legal Rights & Agreement Rules · Procedure

Arbitration is mostly on documents, remote if a hearing is needed, confidential, and binds only the parties

The Federal Arbitration Act (9 U.S.C. §§ 1-16) fully applies. Consistent with NAM rules, arbitration proceeds on written submissions to one arbitrator; any hearing is by phone or video, and an in-person hearing, if required, is held as close to your hometown as practical. Both sides may file early dispositive motions. The award is binding and can be entered as a court judgment. Both sides must keep the arbitration's existence, content and result confidential except to enforce or challenge the award or as law requires. Declaratory or injunctive relief is limited to the individual claimant, and decisions have no precedential effect for others.

Supporting quotations

The Federal Arbitration Act, 9 U.S.C. §§ 1-16, including its procedural provisions, fully applies.

To the extent the Arbitrator determines a hearing is required, the arbitration shall be conducted remotely by telephone or video conference.

the arbitration hearing will take place as close to your hometown as practicable.

Each of the parties shall maintain the confidential nature of the arbitration and shall not (without the prior written consent of the other party) disclose to any third party the fact, existence, content, award, or other result of the arbitration

While an Arbitrator may award declaratory or injunctive relief, the Arbitrator may do so only with respect to the individual party seeking relief

The Arbitrator’s decision and judgment thereon will not have a precedential or collateral estoppel effect with respect to disputes involving other parties.

Qualifications & exceptions

• Individual-customer arbitration provision; the Business Account provision has parallel terms.

Legal Rights & Agreement Rules · Procedure

If 25+ similar claims are filed, 12 test cases proceed while the rest are paused

If 25 or more similar individual arbitration demands are brought by or with the help of the same or coordinated counsel (a "Mass Proceeding"), 12 demands (six chosen by each side) proceed as "Bellwether Arbitrations" under NAM's mass-filing rules, while all others are stayed. No one pays arbitrator or administrator fees on stayed demands during that time, except initial filing fees and any Procedural Arbitrator fees, and limitation periods for stayed claims are paused from when the claimant first sent the pre-filing Notice. Within 5 Business Days of notice of filings, any party may ask for a Procedural Arbitrator to decide threshold questions, such as whether the bellwether procedures apply or a demand belongs to the Mass Proceeding; the company pays the Procedural Arbitrator's costs.

Supporting quotations

if twenty-five (25) or more similar individual arbitration demands are brought against you or us by or with the assistance of the same or coordinated counsel or entities (“Mass Proceeding”), the parties shall select twelve (12) individual arbitration demands (six (6) per side) for arbitration to proceed (“Bellwether Arbitrations”).

While the Bellwether Arbitrations are adjudicated, all other demands for arbitration that are part of the Mass Proceeding shall be held in abeyance and stayed

Any applicable statute of limitations shall be tolled as to non-Bellwether Arbitrations demands when such non-Bellwether Arbitrations are held in abeyance.

Any party may request, within five (5) Business Days of being notified by the arbitration provider that arbitration demand(s) have been filed, that the arbitration provider appoint a sole procedural arbitrator (“Procedural Arbitrator”)

The Company shall pay the Procedural Arbitrator’s costs.

Qualifications & exceptions

• Individual-customer arbitration provision; the Business Account provision has parallel terms.

Legal Rights & Agreement Rules · Procedure

After bellwether cases, remaining mass claims go to mediation, then individual arbitration

The parties agree the bellwether process is meant to be faster and cheaper, and will work in good faith to finish each bellwether arbitration within 120 days of its first pre-hearing conference. Afterwards, all remaining demands go to a mediation run by the provider; if not resolved within 30 days after it, they proceed as individual arbitrations unless the parties agree otherwise in writing. Parties cooperate to defer costs of stayed claims and limit time and cost, possibly with a discovery special master and expedited schedule. The bellwether procedures never authorize class, collective, mass or consolidated arbitration beyond what the section states.

Supporting quotations

All parties shall work in good faith with the Arbitrator or Procedural Arbitrator to complete each Bellwether Arbitration within one hundred and twenty (120) calendar days of its initial pre-hearing conference.

Following resolution of the Bellwether Arbitrations, all parties agree to engage in a mediation of all remaining arbitration demands comprising the Mass Proceeding (the “Bellwether Mediation”).

If the parties are unable to resolve the remaining demands for arbitration comprising the Mass Proceeding within thirty (30) calendar days following the Bellwether Mediation, the remaining demands for arbitration comprising the Mass Proceeding shall be administered by the arbitration provider on an individual basis

including deferring any costs associated with the non-Bellwether Arbitration Mass Proceedings until the Bellwether Arbitrations and subsequent Bellwether Mediation have concluded

These Bellwether Arbitration procedures shall in no way be interpreted as authorizing a class, collective, or mass action of any kind

Qualifications & exceptions

• Individual-customer arbitration provision; the Business Account provision has parallel terms.

Legal Rights & Agreement Rules · User right or choice

You can opt out of arbitration by mailing a form within 30 days of opening your account or accepting new terms

You may reject the arbitration agreement, leaving disputes to court. You must mail an opt-out notice within 30 days after first creating a Cash App Account or, for existing customers accepting updated terms, within 30 days of agreeing to them, to Block, Inc., Attn: Arbitration Agreement, 1955 Broadway, Suite 600, Oakland. You must use the provided opt-out form with your name, address, $Cashtag, phone number and sign-up email addresses; this is the only way to opt out. Opting out doesn't affect the rest of the terms or future arbitration agreements. Opt-outs for multiple people are invalid, and no one can opt out for others.

Supporting quotations

You may reject this arbitration agreement, in which case only a court may be used to resolve any Dispute.

To reject this agreement, you must send us an opt-out notice (the “Opt Out”) within thirty (30) days after you first create a Cash App Account, or for existing customers who agree to this as a terms update, within thirty (30) days of agreeing to such updated terms.

This is the only way of opting out of this arbitration agreement.

Opting out will not affect any other aspect of the Cash App Terms, Additional Terms, or the Services, and will have no effect on any future agreements you may reach to arbitrate with us.

An Opt Out that purports to opt out multiple parties will be invalid as to all such parties.

Qualifications & exceptions

• Individual-customer arbitration provision; the Business Account provision has parallel terms.

Legal Rights & Agreement Rules · Restriction or exception

Any court case must be brought in Oakland/Alameda County state courts or the Northern District of California

Subject to the arbitration provisions, any court proceedings other than small claims must be brought in, and you consent to the exclusive jurisdiction of, the state courts in Oakland and Alameda County, California, or the federal court for the Northern District of California.

Supporting quotations

you agree that any judicial proceedings (other than small claims actions as discussed above) will be brought in and you hereby consent to the exclusive jurisdiction and venue in the state courts in the City of Oakland and County of Alameda, California, or federal court for the Northern District of California.

Qualifications & exceptions

• Individual-customer arbitration provision; the Business Account provision has parallel terms.

Legal Rights & Agreement Rules · Restriction or exception

Business Account customers have a separate but parallel individual-arbitration clause

A separate arbitration provision applies to customers with a Cash App Business Account. Like the individual provision, it requires individual arbitration of all Disputes not resolved informally or in small claims, bars class, representative, mass and consolidated actions, waives jury trials and class participation, allows class settlements, and severs unenforceable terms without ever permitting class or mass arbitration. It refers to "these General Terms" rather than "these Cash App Terms".

Supporting quotations

If you are a customer with a Cash App Business Account, this arbitration provision applies to you:

You and the Company agree that any and all Disputes, except those that are resolved informally or brought in a small claims court, will be individually arbitrated by a neutral arbitrator

ANY ARBITRATION UNDER THESE GENERAL TERMS WILL ONLY BE ON AN INDIVIDUAL BASIS;

YOU WAIVE ANY RIGHT TO HAVE YOUR CASE DECIDED BY A JURY AND YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION AGAINST THE COMPANY.

Not stated here

• Which provision applies to a person with both a personal and a Business Account is not stated.

Legal Rights & Agreement Rules · Procedure

Business customers face the same signed-notice and meet-and-confer steps before any claim

For Business Account customers, the same pre-filing rules apply: before arbitration, small claims or a permitted lawsuit, each side must send a signed, individual written Notice (to Block, Inc., Attn: Arbitration Agreement, 1955 Broadway, Suite 600, Oakland, CA 94612) with identifying details, a detailed claim and a good-faith dollar calculation, and personally meet and confer by phone or video within 60 days; breach is material. Multi-party Notices are invalid. Limitation periods are paused during the process.

Supporting quotations

each party agrees to send to the other party a written Notice (“Notice”) and personally meet and confer to informally resolve any Dispute.

Both parties recognize that this is an important requirement, and that breach of this requirement would be a material breach of the Terms.

A Notice brought on behalf of multiple parties is invalid as to all.

Any statute of limitations shall be tolled while the parties engage in the informal resolution process required by this paragraph.

Qualifications & exceptions

• Business Account arbitration provision.

Legal Rights & Agreement Rules · Procedure

Business customers may elect small claims or arbitration only after the 60-day process

As in the individual provision, after the 60-day period and conference either side may elect small claims or arbitration by written notice, the other has 7 days to respond, and failing the informal process lets the other side seek dismissal and costs. Courts in Oakland/Alameda County or the Northern District of California may enforce the pre-filing steps.

Supporting quotations

After that sixty (60) day period and not before, and after the informal resolution conference has occurred and not before, either party may elect

A party’s failure to satisfy this condition precedent entitles the opposing party to seek immediate dismissal of the arbitration or litigation (where permitted) and the right to seek reimbursement for its costs.

If either party elects small claims court, the Dispute will be resolved in that forum and not through arbitration.

Qualifications & exceptions

• Business Account arbitration provision.

Legal Rights & Agreement Rules · Procedure

Business arbitration also runs through NAM, with the arbitrator deciding enforceability

For Business Account customers, unresolved Disputes go to binding individual arbitration before one NAM arbitrator under the NAM Comprehensive Rules; if NAM is unavailable a court may appoint one under 9 U.S.C. § 5. The arbitrator decides threshold arbitrability questions, including enforceability and defenses. Unlike the individual provision's scope paragraph, this one does not mention NAM's Mass Arbitration supplemental rules.

Supporting quotations

all Disputes will be resolved finally and exclusively by binding individual arbitration with a single arbitrator (the “Arbitrator”) administered by National Arbitration and Mediation (“NAM”)

In the event NAM is unavailable to administer the arbitration, either party may invoke 9 U.S.C. § 5 to request that a court appoint the Arbitrator.

the Arbitrator shall be responsible for determining all threshold arbitrability issues

Qualifications & exceptions

• Business Account arbitration provision.

Legal Rights & Agreement Rules · Procedure

Business arbitration: small-claims option, document-based remote process, confidentiality, individual relief only

For Business Account customers, either side may use local small claims court for an individual dispute, including after an arbitration demand but before an arbitrator is chosen. The Federal Arbitration Act applies; arbitration proceeds on documents, with remote hearings if needed and any in-person hearing near your hometown. Early dispositive motions are allowed, awards are binding and enforceable in court, the proceedings are confidential, relief is limited to the individual claimant, and decisions have no precedential effect for others.

Supporting quotations

either party may elect to pursue a Dispute in a local small claims court rather than through arbitration so long as the matter remains in small claims court and proceeds only on an individual basis.

The Federal Arbitration Act, 9 U.S.C. §§ 1-16, including its procedural provisions, fully applies.

To the extent the Arbitrator determines that a hearing is required, the arbitration shall be conducted remotely by telephone or video conference.

Each of the parties shall maintain the confidential nature of the arbitration

The Arbitrator’s decision and judgment thereon will not have a precedential or collateral estoppel effect with respect to disputes involving other parties.

Qualifications & exceptions

• Business Account arbitration provision.

Legal Rights & Agreement Rules · Procedure

Business mass claims: 12 bellwether cases, provider decides what counts as a mass proceeding

For Business Account customers, 25 or more similar demands from the same or coordinated counsel form a Mass Proceeding, and 12 bellwether cases (six per side) proceed while others are stayed with no fees beyond initial filing and Procedural Arbitrator fees, and limitation periods tolled from the first Notice. Here the arbitration provider decides in its sole discretion whether demands form a Mass Proceeding, but either side can ask for a Procedural Arbitrator if it disagrees, within 5 Business Days of being told a Mass Proceeding exists; NAM's mass-filing rules govern that arbitrator, whose costs the company pays. The parties aim to finish each bellwether case within 120 days of its first pre-hearing conference.

Supporting quotations

if twenty-five (25) or more similar individual arbitration demands are brought against you or us by or with the assistance of the same or coordinated counsel or entities (“Mass Proceeding”), the parties shall select twelve (12) individual arbitration demands (six (6) per side) for arbitration to proceed (“Bellwether Arbitrations”).

The determination of whether or not a demand/demands is/are part of a “Mass Proceeding” is in the arbitration provider’s sole discretion; however, either party can request the appointment of a Procedural Arbitrator (as described below) if they do not agree with the arbitration provider’s determination.

all other demands for arbitration that are part of the Mass Proceeding shall be held in abeyance and stayed

Any applicable statute of limitations shall be tolled as to non-Bellwether Arbitrations demands when such non-Bellwether Arbitrations are held in abeyance.

Any party may request, within five (5) Business Days of being notified by the arbitration provider that a Mass Proceeding exists

The Company shall pay the Procedural Arbitrator’s costs.

All parties shall work in good faith with the Arbitrator or Procedural Arbitrator to complete each Bellwether Arbitration within one hundred and twenty (120) calendar days of its initial pre-hearing conference.

Qualifications & exceptions

• Business Account arbitration provision.

Legal Rights & Agreement Rules · Procedure

Business mass claims go to mediation after bellwethers, then individual arbitration

For Business Account customers, after the bellwether cases all remaining demands go to provider-run mediation; if unresolved within 30 days they proceed individually unless the parties agree otherwise. Parties cooperate to defer costs and reduce time and cost, and the procedures never authorize class, collective, mass or consolidated arbitration except as the section states.

Supporting quotations

Following resolution of the Bellwether Arbitrations, all parties agree to engage in a mediation of all remaining arbitration demands comprising the Mass Proceeding (the “Bellwether Mediation”).

All parties agree to cooperate in good faith with the arbitration provider to implement the Bellwether Arbitration procedures

These Bellwether Arbitration procedures shall in no way be interpreted as authorizing a class, collective, or mass action of any kind

Qualifications & exceptions

• Business Account arbitration provision.

Legal Rights & Agreement Rules · User right or choice

Business customers can also opt out within 30 days; court cases go to Oakland or N.D. Cal.

Business Account customers may reject arbitration by mailing the opt-out form within 30 days of creating their Account or of accepting updated terms, to Block, Inc., Attn: Arbitration Agreement; it is the only way to opt out, multi-party opt-outs are invalid, and opting out doesn't affect other terms. Any court proceedings other than small claims must be brought in the state courts of Oakland and Alameda County or the Northern District of California.

Supporting quotations

You may reject this arbitration agreement, in which case only a court may be used to resolve any Dispute.

within thirty (30) days after you first create your Account, or for existing customers who agree to this as a terms update, within thirty (30) days of agreeing to such updated terms.

This is the only way of opting out of this arbitration agreement.

you agree that any judicial proceedings (other than small claims actions as discussed above) will be brought in and you hereby consent to the exclusive jurisdiction and venue in the state courts in the City of Oakland and County of Alameda, California, or federal court for the Northern District of California.

Qualifications & exceptions

• Business Account arbitration provision.

Legal Rights & Agreement Rules · Context

California and federal law govern, along with the Federal Arbitration Act

These terms and any Dispute are governed by the Federal Arbitration Act and by California law and/or applicable federal law, without regard to conflict-of-law principles.

Supporting quotations

These Cash App Terms and any Dispute will be governed by the Federal Arbitration Act, as set forth above, and by California law and/or applicable federal law, without regard to its choice of law or conflicts of law principles.

Legal Rights & Agreement Rules · Restriction or exception

You can’t transfer your rights under these terms; attempted transfers are void

You may not transfer or assign these terms or any rights or licenses under them, and any attempt to do so is void. The terms do not state a matching restriction on the company.

Supporting quotations

These Cash App Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you and any attempted transfer or assignment will be null and void.

Legal Rights & Agreement Rules · Context

These terms are the whole agreement and prevail over other Company policies; invalid terms are reshaped

These terms and applicable Policies are the complete agreement about the services. If they conflict with another company agreement or Policy, these terms prevail on that subject. Invalid or unenforceable provisions are changed and interpreted to achieve their aims as far as the law allows, and the rest stays in force. These terms don't limit the company's rights under trade secret, copyright, patent or other laws, and a waiver of one term is not a continuing waiver.

Supporting quotations

These Cash App Terms, and any applicable Policies, are a complete statement of the agreement between you and the Company regarding the Services.

In the event of a conflict between these Cash App Terms and any other Company agreement or Policy, these Cash App Terms will prevail and control the subject matter of such conflict.

then it will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

No waiver of any term of these Cash App Terms will be deemed a further or continuing waiver of such term or any other term.

Qualifications & exceptions

• Specific sections state that the issuing bank Card Terms and the Afterpay Loan Agreements govern over these terms for the card and loans; the general priority rule does not mention those exceptions.

Cross-references

• contrast (model-proposed): Cash App Cards are issued by a bank under separate cardholder terms that control on conflict — contrast: The general priority clause says these terms prevail over any other company agreement, while the card section says the issuing bank's Card Terms govern card use on any inconsistency. The card rule is specific; the general clause does not mention it.

Legal Rights & Agreement Rules · Restriction or exception

English versions govern; Spanish Cash App is a limited courtesy that may use AI translation

Cash App in Spanish is a courtesy: it may differ from and be more limited than the English version, offers limited Spanish support (some services, terms and disclosures only in English), is provided "as is", and may use generative AI or machine translation that can contain errors. Block may change or discontinue it at any time. The English versions of Cash App and all agreements, terms and disclosures govern your account, and you confirm you have read the English agreements.

Supporting quotations

Cash App in Spanish (i) is made available to Cash App customers as a courtesy, for your convenience;

(v) may use generative AI or AI translation assistance for Spanish-language translations, which may contain errors or inaccuracies and no guarantee is made as to the accuracy or completeness of the translation.

(i) Block may modify, suspend, or discontinue Cash App Spanish in part or in its entirety at any time, with or without notice;

(ii) the English version of Cash App and the English version of all agreements, terms, and disclosures govern your Cash App account; and (iv) you have read the English language agreements, terms, and disclosures governing your Cash App account.