Terms of Service

Cash App · agreement dated February 7, 2024 · Official agreement

376 of 376 cards

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)

Charges & Financial Obligations · Context

Prepaid fee list applies to Prepaid and Restricted Accounts, including sponsored ones

The fee list that follows applies to Restricted Accounts and Prepaid Accounts, including Sponsored Accounts that are Prepaid Accounts (all defined in Section III). Debit Flex Accounts have a separate fee list.

Supporting quotations

This section applies to any Restricted Account or Prepaid Account (each as defined in Section III), including any Sponsored Account (each as defined in Section III) that is a Prepaid Account.

Charges & Financial Obligations · Company practice

Prepaid Account: no setup, monthly, inactivity or customer service fee

For a Prepaid Account, the fee list shows $0 for account setup, the monthly fee and inactivity, and $0 for customer service whether you contact Cash App in the app, by email or by phone.

Supporting quotations

Account setup

$0

Monthly fee

$0

Inactivity

$0

Customer service (in-app)

$0

Customer service (email)

$0

Customer service (phone)

$0

Charges & Financial Obligations · Company practice

Prepaid Account: free direct deposit, receiving, linked-account adds and U.S. sends

The Prepaid Account fee list shows $0 for direct deposit, receiving money, adding money from a Linked Account, receiving a merchant refund, and sending money in the U.S. using your Cash App Balance or a debit card. Sending from a credit card is listed separately at 3%.

Supporting quotations

Direct Deposit

$0

Receive money

$0

Add Money - Linked Account

$0

Receiving a merchant refund

$0

Sending money using your Cash App Balance or debit card in the U.S.

$0

Charges & Financial Obligations · Company practice

Paper Money Deposit costs $1 per transaction

Adding cash to your balance at a participating retailer (Paper Money Deposit) costs $1 per transaction under the Prepaid Account fee list. The app lists participating retailers in your area.

Supporting quotations

Paper Money Deposit

Check your app for a list of participating retailers in your area. Our Paper Money Deposit Fee is $1 per transaction.

$1

Qualifications & exceptions

Retailers may set their own minimum transaction amounts; deposit limits are covered in the Paper Money Deposit section.

Charges & Financial Obligations · Company practice

3% foreign transaction fee, waived for in-person use if you meet monthly spending or deposit thresholds

Cash App charges a 3% foreign transaction fee on the Prepaid Account. If in a month you either spend $500 or more in Qualifying Purchases or receive $300 or more in Qualifying Deposits, Cash App waives this fee on card-present (in-person) transactions only, until the end of the following calendar month. Online or other card-not-present foreign transactions still carry the fee. Qualifying Purchases are authorized, completed purchases with your Cash App Card or Cash App Pay, minus refunds and returns; Qualifying Deposits are direct deposits of payroll, pension or government benefits by ACH, or payroll sent by your employer, contractee or early wage access provider via an OCT transfer using your Cash App Card.

Supporting quotations

Foreign Transaction Fee

Our Foreign Transaction Fee is 3%.

If you (a) spend $500 or more in Qualifying Purchases, or (b) receive $300 or more in Qualifying Deposits each month, we will waive our Foreign Transaction Fee on card-present transactions only (i.e., in-person card transactions) until the end of the following calendar month.

3%

“Qualifying Purchases” means all authorized, completed purchases made with your Cash App Card and/or with Cash App Pay, minus any refunds or returns

“Qualifying Deposit” means (i) a direct deposit of payroll, pension or government benefits sent from your employer or a government agency via ACH transfer to your Cash App Balance and/or (ii) a deposit of payroll sent directly from your employer, contractee, or early wage access provider via Original Credit Transaction ("OCT") transfer using your Cash App Card to your Cash App Balance.

Qualifications & exceptions

The waiver applies only to card-present (in-person) transactions.
The waiver lasts until the end of the calendar month after the month you met a threshold.

Charges & Financial Obligations · Company practice

Remittance fees depend on delivery method and whether you send $300 or more

Sending money abroad from your Cash App Balance through the Remittance Service has these listed fees: bank transfer of $300 or more costs nothing; bank transfer under $300 costs $1.99; cash pickup of $300 or more costs $1.99; cash pickup under $300 costs $3.98. Exchange rates are addressed separately in the Remittance Service section.

Supporting quotations

Sending money from your Cash App Balance using the Remittance Service (bank transfer)

If the transfer amount is $300 or more, there is no transfer fee.

$0.00

Sending money from your Cash App Balance using the Remittance Service (bank transfer)

If the transfer amount is less than $300, there is a transfer fee.

$1.99

Sending money from your Cash App Balance using the Remittance Service (cash pickup)

If the transfer amount is $300 or more, there is a transfer fee.

$1.99

Sending money from your Cash App Balance using the Remittance Service (cash pickup)

If the transfer amount is less than $300, there is a transfer fee.

$3.98

Charges & Financial Obligations · Company practice

Standard cash-out is free; Instant Transfer costs 0.5%–2.5% with a $75 cap

Moving money from your Cash App Balance to a Linked Account with the standard option is free and typically arrives in 1–3 Business Days. Instant Transfer, which typically arrives within minutes, costs 0.5% to 2.5% of the amount with a minimum of $0.25 to $1, and the fee will not exceed $75. The exact fee is shown at the time of the transaction.

Supporting quotations

Transfer to Linked Account (standard transfer)

No fee to transfer money from your Cash App Balance to a Linked Account with the standard option. The money is typically available in 1-3 Business Days.

$0

Transfer to a Linked Account (Instant Transfer)

Fee for expedited transfer from your Cash App Balance to a Linked Account. Funds are typically available within minutes. The specific fee amount is disclosed at the time of the transaction.

0.5%-2.5% ($0.25-$1 min)

(the maximum fee shall not exceed $75)

Qualifications & exceptions

Arrival times are described as typical, not guaranteed.

Charges & Financial Obligations · Company practice

$2.50 ATM withdrawal fee; in-network fee reimbursed if you meet monthly thresholds

Cash App charges $2.50 per ATM withdrawal. For in-network ATMs, if in a month you spend $500 or more in Qualifying Purchases or receive $300 or more in Qualifying Deposits, Cash App reimburses its withdrawal fee until the end of the following calendar month. Out-of-network withdrawals cost $2.50 and the ATM operator may charge its own fee as well.

Supporting quotations

ATM withdrawal - in-network

Our ATM withdrawal fee is $2.50.

If you (a) spend $500 or more in Qualifying Purchases or, (b) receive $300 or more in Qualifying Deposits each month, we will reimburse our withdrawal fee until the end of the following calendar month.

$2.50

ATM withdrawal - out-of-network

Our ATM withdrawal fee is $2.50. You may also be charged a fee by the ATM operator.

$2.50

we will waive our ATM Withdrawals (in-network only)

Qualifications & exceptions

The reimbursement applies to in-network ATMs only; operator fees are not covered by this statement.

Charges & Financial Obligations · Context

ATM balance inquiry fee is listed as “N/A”

The fee list shows "N/A" for ATM balance inquiries. The terms do not explain whether that means the inquiry is free or not available.

Supporting quotations

ATM Balance Inquiry

N/A

Not stated here

Whether "N/A" means no fee or that balance inquiries are not offered is not explained.

Cross-references

contrast (model-proposed): Cash App may add or change fees with reasonable notice; ATM operators and networks may charge too — contrast: The Prepaid fee list shows ATM balance inquiries as N/A, while Section III.8 says the company or ATM operator may charge for a balance inquiry.

Charges & Financial Obligations · Company practice

Sending from a credit card costs 3%

Sending money funded by a credit card costs 3% under the Prepaid Account fee list.

Supporting quotations

Send from credit card

3%

Charges & Financial Obligations · Company practice

Cash App Tag costs up to $250; expedited shipping $15

Buying a Cash App Tag costs up to $250. The fee may be lower depending on the specific Tag or your account type, and the exact amount is shown before you complete the purchase. Expedited shipping of a Tag costs $15.

Supporting quotations

Cash App Tag Purchase Fee

The fee may be lower depending on certain factors, such as the specific Cash App Tag you choose or the type of account you have. The specific fee amount is disclosed before you complete your Cash App Tag purchase.

Up to $250

Expedited Cash App Tag Shipping Fee

$15

Charges & Financial Obligations · Context

Prepaid fee list states there is no overdraft or credit feature

The Prepaid Account fee disclosure says the account has no overdraft or credit feature. Section VI separately describes a Free Overdraft Coverage feature; the fee list itself does not reconcile the two statements.

Supporting quotations

No overdraft/credit feature.

Not stated here

How this statement relates to the Free Overdraft Coverage described in Section VI.5 is not explained in the fee list.

Cross-references

contrast (model-proposed): Optional Free Overdraft Coverage lets eligible users overdraw up to $200 on card purchases only — contrast: The Prepaid fee disclosure says the account has no overdraft or credit feature, while Section VI.5 offers optional Free Overdraft Coverage on card purchases for eligible Cash App Green customers. The terms do not reconcile the two statements.

Charges & Financial Obligations · Company practice

Balances are FDIC pass-through insured only for Prepaid Card or Sponsored Account users

If you have a Cash App Prepaid Card or a Sponsored Account, or sponsor one, your Cash App Balance and Savings Balance are eligible for FDIC pass-through insurance through Wells Fargo Bank, N.A. and/or Sutton Bank, up to $250,000 per customer when combined with your other deposits held in the same legal capacity at each bank, if certain conditions are met. The insurance only covers the failure of the bank holding the funds. If you have none of those, your balances are not covered by FDIC pass-through insurance. Cash App itself is not an FDIC-insured bank.

Supporting quotations

If you have a Cash App Prepaid Card or a Sponsored Account, or if you sponsor one or more Sponsored Accounts, your Cash App Balance and Savings Balance are eligible for FDIC pass-through insurance through Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each bank above, if certain conditions are met.

The FDIC insures your balance only in the event that each bank identified above holding those funds fails.

If you don't have a Cash App Prepaid Card, a Sponsored Account, or sponsor a Sponsored Account, your Cash App Balance and Savings Balance are not protected by FDIC pass-through insurance.

Cash App is a financial services platform, and not an FDIC-insured bank.

Qualifications & exceptions

Coverage depends on "certain conditions" detailed in Section III.9.
FDIC insurance protects only against failure of the holding bank, not against Cash App failure or fraud.

Account & Service Control · Context

Contact details and CFPB resources for prepaid accounts

The disclosure gives Cash App's phone number, mailing address and help site, and points to the Consumer Financial Protection Bureau for general prepaid account information and complaints.

Supporting quotations

Contact Cash App at 1-800-969-1940

For general information about prepaid accounts, visit cfpb.gov/prepaid

If you have a complaint about a prepaid account, call the consumer financial protection bureau at 1-855-411-2372

Charges & Financial Obligations · Company practice

Prepaid short-form summary: $0 monthly and per-purchase, 3% foreign, $2.50 ATM, $1 cash deposit

The short-form summary for the Cash App Balance (Prepaid Account) lists: monthly fee $0; per-purchase fee $0; foreign transaction fee 3%; ATM withdrawal $2.50 (marked as possibly lower depending on how and where the Prepaid Card is used); Paper Money Deposit $1; ATM balance inquiries "N/A" (not explained); customer service $0; inactivity $0.

Supporting quotations

Monthly Fee

$0

Per Purchase Fee

$0

Foreign Transaction Fee

3%

ATM Withdrawal

$2.50^

Paper Money Deposit

$1

ATM Balance Inquiries

N/A

Customer Service

$0

Inactivity

$0

Not stated here

What "N/A" for ATM balance inquiries means is not explained.

Charges & Financial Obligations · Company practice

Credit-card adds cost 3%; Instant Transfer 0.5%–2.5%; these fees use banker’s rounding

The summary lists two other fees: adding money from a credit card costs 3%, and Instant Transfer costs 0.5% to 2.5% with a $0.25 to $1 minimum and a $75 maximum. For these fees Cash App rounds to the penny using banker's rounding, which rounds amounts ending in 5 to the nearest even number.

Supporting quotations

We charge two other types of fees.

Add money from Credit Card: 3%

Instant Transfer: 0.5%-2.5% ($0.25-$1 min)

(the maximum fee shall not exceed $75)

For these fees, Cash App uses banker’s rounding to round up or down to the penny, as applicable. Banker’s rounding rounds numbers ending in 5 to the nearest even integer.

Charges & Financial Obligations · Company practice

In-network ATM and in-person foreign fees are waived after qualifying monthly activity

A footnote says that if in a month you spend $500 or more in Qualifying Purchases or receive $300 or more in Qualifying Deposits, Cash App waives its in-network ATM withdrawal fee and its card-present foreign transaction fee until the end of the following calendar month. Qualifying Purchases are authorized, completed purchases with the Cash App Card or Cash App Pay, minus refunds and returns. Qualifying Deposits are ACH direct deposits of payroll, pension or government benefits, or payroll sent by an employer, contractee or early wage access provider via OCT transfer using the Cash App Card. A separate footnote says the ATM fee can be lower depending on how and where the Prepaid Card is used.

Supporting quotations

*This fee can be lower, subject to certain conditions.

If you (a) spend $500 or more in Qualifying Purchases or (b) receive $300 or more in Qualifying Deposits each month, we will waive our ATM Withdrawals (in-network only) and Foreign Transaction Fees (card-present only) until the end of the following calendar month.

“Qualifying Purchases” means all authorized, completed purchases

^This fee can be lower depending on how and where your Cash App Prepaid Card is used.

Qualifications & exceptions

Out-of-network ATM fees and card-not-present foreign transactions are not waived.

Not stated here

How and where Prepaid Card use lowers the ATM fee is not described.

Charges & Financial Obligations · Context

Short-form repeats: no overdraft feature, FDIC pass-through only for Prepaid Card or sponsored users

The short-form disclosure repeats that the Prepaid Account has no overdraft or credit feature, that FDIC pass-through insurance (through Wells Fargo Bank, N.A. and/or Sutton Bank, up to $250,000 per customer per bank when combined with other deposits in the same legal capacity, if conditions are met) is available only if you have a Prepaid Card or a Sponsored Account or sponsor one, that it only covers failure of the holding bank, and that Cash App is not an FDIC-insured bank. It also points to the CFPB for prepaid account information.

Supporting quotations

No overdraft/credit feature.

If you have a Cash App Prepaid Card or a Sponsored Account, or if you sponsor one or more Sponsored Accounts, your Cash App Balance and Savings Balance are eligible for FDIC pass-through insurance through Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each bank above, if certain conditions are met.

If you don't have a Cash App Prepaid Card, a Sponsored Account, or sponsor a Sponsored Account, your Cash App Balance and Savings Balance are not protected by FDIC pass-through insurance.

Cash App is a financial services platform, and not an FDIC-insured bank.

For general information about prepaid accounts, visit

Not stated here

How the "no overdraft" statement relates to the Free Overdraft Coverage in Section VI.5 is not explained.

Charges & Financial Obligations · Context

Debit Flex fee list applies to Debit Flex Accounts, including sponsored ones

A separate fee list applies to Debit Flex Accounts (defined in Section III), including Sponsored Accounts that are Debit Flex Accounts.

Supporting quotations

This section applies to any Debit Flex Account (as defined in Section III below), including any Sponsored Account that is a Debit Flex Account.

Charges & Financial Obligations · Company practice

Debit Flex: 3% credit-card sends, 0.5%–2.5% Instant Transfer, $1 cash deposit

For Debit Flex Accounts, sending from a credit card costs 3.00%, Instant Transfer withdrawals cost 0.5% to 2.5% with a $0.25 to $1 minimum and a $75 maximum, and Paper Money Deposit costs $1.00. The percentage fees are rounded to the penny using banker's rounding.

Supporting quotations

Send from Credit Card: 3.00%

Instant Transfer Withdrawals: 0.5%-2.5% ($0.25-$1 min)

(the maximum fee shall not exceed $75)

Paper Money Deposit: $1.00

For these fees, Cash App uses banker’s rounding to round up or down to the penny, as applicable.

Charges & Financial Obligations · Company practice

Debit Flex Card: standard card free; custom cards priced; replacements $5 or $50 metal

A standard Debit Flex Card costs nothing to order. Non-standard or customized cards cost a price that varies by card, style and design. Expedited card shipping is $15.00. A replacement standard card costs $5.00 and a replacement metal card costs $50.00.

Supporting quotations

Debit Flex Card Fees:

Card Ordering. No fee for standard card. You may choose to purchase a non-standard card and/or customize your card, price varies based on card, style, and design.

Expedited Card Shipping Fee: $15.00

Replacement Card (standard): $5.00 per card

Replacement Card (metal): $50.00 per card

Not stated here

Prices for non-standard or customized cards are not stated.

Charges & Financial Obligations · Company practice

Debit Flex: $2.50 ATM withdrawals anywhere; in-network fee waivable; cash back free

Debit Flex Card ATM withdrawals cost $2.50 each, in-network or out-of-network, domestic or international. The in-network fee is waived until the end of the following calendar month if in a month you spend $500 or more in Qualifying Purchases or receive $300 or more in Qualifying Deposits (defined in Section XIX: Card or Cash App Pay purchases net of refunds; qualifying payroll, pension or benefits direct deposits). Cash back at the point of sale is free.

Supporting quotations

ATM Withdrawal Fee (in-network, domestic and international): $2.50 per withdrawal

ATM Withdrawal Fee (out-of-network, domestic and international): $2.50 per withdrawal

Cash Back at Point-of-Sale (domestic and international): $0.00

If you (a) spend $500 or more in Qualifying Purchases or (b) receive $300 or more in Qualifying Deposits each month, we will waive our ATM Withdrawals (in-network only) and Foreign Transaction Fees (card-present only) until the end of the following calendar month.

“Qualifying Purchases” and “Qualifying Deposits” are defined in Section XIX below.

Qualifying Deposits: you must deposit $300 or more each month in Qualifying Deposits.

Qualifying Purchases: you must spend $500 or more in Qualifying Purchases each month.

Qualifications & exceptions

Only the in-network ATM fee is waivable; out-of-network withdrawals may also carry operator fees elsewhere described.

Charges & Financial Obligations · Company practice

Debit Flex: 3% foreign transaction fee plus any third-party fees

Debit Flex Card foreign transactions cost 3.00%, and retailers or other financial institutions may charge their own fees. The 3% fee is waived for card-present transactions until the end of the following calendar month if you meet the monthly Qualifying Purchases or Qualifying Deposits threshold.

Supporting quotations

Foreign Transaction Fee: 3.00%

This is our fee. You may also be charged a fee by any retailers or other financial institutions in your transaction.

Foreign Transaction Fees (card-present only)

Qualifications & exceptions

The waiver covers only card-present transactions and only Cash App's own fee.

Charges & Financial Obligations · Company practice

Debit Flex: Cash App Tag up to $250; expedited Tag shipping $15

For Debit Flex Accounts, a Cash App Tag costs up to $250 (possibly lower depending on the Tag or account type, with the exact amount shown before purchase), and expedited Tag shipping costs $15.00.

Supporting quotations

Cash App Tag Fees

Purchase Fee: Up to $250.

The specific fee amount is disclosed before you complete your Cash App Tag purchase.

Expedited Shipping Fee: $15.00

Charges & Financial Obligations · Company practice

Debit Flex remittances: bank transfer free at $300+, else $1.99; cash pickup $1.99 or $3.98

For Debit Flex Accounts, remittances by bank transfer are free for $300 or more and cost $1.99 below $300; cash pickup costs $1.99 for $300 or more and $3.98 below $300.

Supporting quotations

Remittances

Send via bank transfer

If the transfer amount is $300 or more: $0.00

If the transfer amount is less than $300: $1.99

Send via cash pickup

If the transfer amount is $300 or more: $1.99

If the transfer amount is less than $300: $3.98

Charges & Financial Obligations · Company practice

Debit Flex balances are FDIC pass-through eligible only with a Debit Flex Card or sponsored account

If you have a Debit Flex Card or a Sponsored Account, or sponsor one, your Cash App Balance and Savings Balance are eligible for FDIC pass-through insurance through Wells Fargo Bank, N.A., Sutton Bank and/or The Bancorp Bank, N.A., up to $250,000 per customer when combined with your other deposits in the same legal capacity at each bank, if certain conditions are met. It covers only the failure of the bank holding the funds. Without one of those, balances are not protected by FDIC pass-through insurance, and Cash App itself is not an FDIC-insured bank.

Supporting quotations

If you have a Debit Flex Card or a Sponsored Account, or if you sponsor one or more Sponsored Accounts, your Cash App Balance and Savings Balance are eligible for FDIC pass-through insurance through Wells Fargo Bank, N.A., Sutton, Bank and/or The Bancorp Bank, N.A., Members FDIC, for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each bank above, if certain conditions are met.

The FDIC insures your balance only in the event that the banks identified above holding those funds fail.

If you don't have a Debit Flex Card, a Sponsored Account, or sponsor a Sponsored Account, your Cash App Balance and Savings Balance are not protected by FDIC pass-through insurance.

Cash App is a financial services platform, and not an FDIC-insured bank.

Qualifications & exceptions

Coverage depends on conditions detailed in Section III.9.

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.

Account & Service Control · Procedure

You agree to receive legal notices electronically; they count as received within 24 hours

You agree to Cash App's E-Sign Consent and to receive notices electronically. Cash App may deliver legally required disclosures and other account information at any time of day by posting on its website, pushing notifications through the service, or emailing the address on your Account. These have the same effect as paper copies and are treated as received within 24 hours of posting, pushing or emailing. You can ask Cash App Support to withdraw consent to electronic communications, but if Cash App cannot support the request you may need to close your Account.

Supporting quotations

You also agree to receive notices from us electronically.

We may provide disclosures and notices required by law and other information about your Account (defined below) to you electronically, at any time of day, including by posting it on our website, pushing notifications through the Services, or by emailing it to the email address listed in your Account.

Electronic disclosures and notices have the same meaning and effect as if we had provided you with paper copies.

Such disclosures and notices are considered received by you within twenty-four (24) hours of the time posted to our website, or within twenty-four (24) hours of the time pushed or emailed to you.

If you wish to withdraw your consent to receiving electronic communications, contact Cash App Support. If we are not able to support your request, you may need to terminate your Account.

Qualifications & exceptions

Withdrawing consent may require closing your Account.

Not stated here

The linked E-Sign Consent text was not supplied with this document.

Account & Service Control · Restriction or exception

You must be a U.S. resident and an adult to open a Cash App account

To use Cash App you must live in the United States, be at least 18 and the age of majority in your state, and register an Account. Some features may only work in the United States. Some features, such as sending money from your Cash App balance to another customer, may require a particular Account type or extra eligibility steps such as providing information and having your identity verified. Cash App verifies identity for itself and to help partners, including its banking partners, meet their own obligations.

Supporting quotations

You must be a resident of the United States, at least 18 years and the age of majority in your State of residence, and you must register for an account (your “Account”) to use the Service.

Certain features of the Service may only be available for use in the United States.

Some features, such as the ability to send money to another Cash App customer with the balance in your Account, may be available only if you have a specific type of Account or you meet other eligibility requirements, such as providing us with certain information about you and we are able to verify your identity.

We verify your identity on our own behalf and to facilitate certain of our partners, including our banking partners, in meeting their own obligations.

Qualifications & exceptions

Sponsored Accounts for younger people are handled separately in Section III.6.

Data Access & Collection · Company practice

Cash App may require ID details including SSN and may supplement them from third-party verifiers

To register, open, use, upgrade or switch an Account, the company may require information about you and your business, including legal name, email, text-enabled phone number, street address, zip code, date of birth, Social Security number, government ID, legal business name and address, and taxpayer ID, plus anything you later add ("Account Information"). It may also obtain, verify and supplement this information, such as your SSN or TIN, from third-party verification services, as described in its Privacy Notice. You promise that the information you give is true and accurate and agree to keep it current.

Supporting quotations

To register, open, use, upgrade, or switch an Account, the Company may require that you submit certain information about yourself and your business to the Company, including but not limited to your legal name, email address, text-enabled mobile phone number, street address, zip code, date of birth, social security number, a government issued form of identification, legal business name, business address, taxpayer identification number, and any information you subsequently add or update (“Account Information”).

We may also obtain, verify, and supplement your Account Information – including by retrieving additional identification information

from third-party verification services.

You represent and warrant that all Account Information you provide the Company to register, open, use, upgrade, or switch an Account, including but not limited to a Cash App Business Account is true and accurate, and you agree to keep all Account Information current.

Not stated here

The linked Privacy Notice describing these third-party checks was not supplied.

Account & Service Control · Context

Four account types; these terms apply to all, with some type-specific rules

Cash App offers four types of Accounts. These terms govern the service whatever type you have, but certain terms apply only to particular Account types or services, and additional agreements may also apply. Unless stated otherwise, "Account" and "Sponsored Account" refer to your Account and any Sponsored Account, regardless of type.

Supporting quotations

We offer four types of Accounts through the Service.

The Cash App Terms govern your use of the Service regardless of the type of Account you have.

Your use of the Service may also be governed by additional agreements.

Unless otherwise specified, the term “Account” or “Sponsored Account” in these Cash App Terms refers to your Account and any Sponsored Account, regardless of the type of Account.

Account & Service Control · Restriction or exception

New accounts start Restricted until identity is verified; balance can’t pay other users

A new Account is a limited "Restricted Account" unless Cash App can verify your identity when you open it. With a Restricted Account you can: send money to other Cash App customers (including Business Accounts) from a Linked Account; receive money into your Cash App Balance from other customers; use your balance and Linked Account for Cash App Pay purchases; and move money from your balance to your Linked Account. You cannot pay another Cash App customer from your Cash App Balance; to do that you must use a Linked Account or upgrade to a Prepaid or Debit Flex Account.

Supporting quotations

When you first open your Account, it will be a “Restricted Account”, which is a limited functionality account, unless we are able to verify your identity when you open your Account.

With a Restricted Account, you may use the following features: (i) connect a Linked Account to send funds to another Cash App customer (including a Cash App Business Account) using the Peer-to-Peer Service; (ii) receive funds to your Cash App Balance from another Cash App customer using the Peer-to-Peer Service; (iii) use your Cash App Balance and Linked Account for Cash App Pay purchases; and (iv) transfer funds from your Cash App Balance to your Linked Account.

if you have a Restricted Account, then you will not be able to make a payment to another Cash App customer (including a Cash App Business Account) using your Cash App Balance.

If you have a Restricted Account and you wish to make a payment to another Cash App customer, you may: (1) use a Linked Account; or (2) upgrade to a Prepaid Account or Debit Flex Account to make the payment with your Cash App Balance.

Account & Service Control · Procedure

Upgrading requires identity verification, possibly through third-party services

To get more features you must upgrade your Account, which may require giving personal information so Cash App can verify your identity. Cash App may also obtain and verify identity information through third-party verification services, as described in its Privacy Notice. Once verified, a Restricted Account may be converted to a Prepaid Account or a Debit Flex Account.

Supporting quotations

To access additional functions and features, you will need to upgrade your account.

To upgrade your Account, you may need to provide us with certain personal information so that we can verify your identity.

We may also obtain and verify identity information about you, including through third-party verification services, consistent with our

After we verify your identity, your Restricted Account may be converted to a Prepaid Account or Debit Flex Account.

Qualifications & exceptions

Conversion after verification is stated as "may", not guaranteed.

Account & Service Control · Context

Prepaid, Debit Flex and Business Accounts defined

A Prepaid Account lets you load, access and use funds in your Cash App Balance. A Debit Flex Account is a transaction account that lets you deposit, withdraw and transfer funds. A Cash App Business Account lets you receive payment for goods and services, with additional terms in Section XI. Eligible sole proprietors can instead receive business payments in a personal Account through the Earn in P2P Service (Section VII.7).

Supporting quotations

Cash App offers a prepaid account (“Prepaid Account”) that allows you to load, access and use funds in your Cash App Balance.

Cash App offers a transaction account (“Debit Flex Account”) that allows you to deposit, withdraw, and transfer funds to your Cash App Balance.

Cash App offers a business account (“Cash App Business Account”) that allows you to use Cash App to receive payment for goods and services.

Eligible sole proprietors who prefer to receive payments for goods and services within their personal Cash App Account may use the Earn in P2P Service instead (see Section VII.7).

Data Access & Collection · Permission or license

You authorize Cash App and third parties to make identity inquiries

You authorize the company, directly or through third parties, to make any inquiries it considers necessary to validate or authenticate your identity and Account Information, and for Business Accounts the identity of the business. This can include asking for more information or documents about your usage or identity, requiring you to confirm ownership of your email, phone number or financial instruments, and checking your information through third-party databases or verification services, as described in its Privacy Notice.

Supporting quotations

You hereby authorize the Company, directly or through the Company's use of third parties, to make any inquiries we consider necessary to validate your identity or authenticate your identity and Account Information

This may include asking you for further information or documentation about your Account usage or identity, requiring you to take steps to confirm ownership of your email address, mobile phone number or financial instruments, or obtaining and verifying your information through third-party databases or verification services, consistent with our

Not stated here

The linked Privacy Notice was not supplied.

Account & Service Control · Restriction or exception

You may not refuse identity checks or investigations; unverified accounts stay Restricted

While using Cash App you may not refuse to cooperate in an investigation of activity that may violate the law or these terms, or refuse to confirm your identity or information you provided. If you decline to give requested information, or Cash App cannot verify your identity to its satisfaction (in its sole judgment, for any reason), your Account stays Restricted and some services are unavailable. Cash App may downgrade, suspend or terminate the Account or access to services of anyone who provides inaccurate, untrue or incomplete information. Verification does not guarantee access to all services, and Cash App may require more information or steps before granting certain Account types or services, including those offered through its banking partners.

Supporting quotations

In connection with your use of the Service, you may not refuse to (a) cooperate in an investigation concerning activity that potentially violates the law or the Cash App Terms, (b) provide confirmation of your identity, or (c) provide confirmation of any information you provide us.

If you decline to provide us with the information that we request or if we cannot verify your identity to our satisfaction (in our sole judgment and discretion) for any reason, then your Account will remain a Restricted Account and you will not be able to use certain Services.

In addition, we reserve the right to downgrade your Account type to a Restricted Account or suspend or terminate the Account or access to certain Services of anyone who provides inaccurate, untrue, or incomplete information.

Verifying your identity does not guarantee access to all Services.

We may require additional or updated information, documentation, or verification steps – including information you provide directly to us – before granting access to certain types of Accounts or Services, including those offered through our banking partners.

Security & Safeguards · Procedure

New devices may need extra authentication; unverifiable accounts may require a new account

The first time you access your Account on a new device, Cash App may require additional information to authenticate it. If your Account cannot be verified, you may need to set up a new Account.

Supporting quotations

The first time you access your Account using a new device we may require you to authenticate your Account with additional information. If your Account cannot be verified you may be required to set up a new Account.

Account & Service Control · Permission or license

Limits may be combined across all your Cash App accounts

If you have more than one Cash App Account, Cash App may aggregate limits, including balance, spending, transfer and withdrawal limits, across all accounts associated with you.

Supporting quotations

If you have more than one Cash App Account, we reserve the right to aggregate limits, including balance, spending, transfer, and withdrawal limits, across all accounts associated with you.

Data Access & Collection · Company practice

Checkout powered by Cash App stores your payment and shipping details for merchant checkout

Where available, you can store payment and fulfillment information on cash.app-based online ordering profiles for faster checkout with merchants ("Checkout powered by Cash App"). This "Checkout Information" may include your name, phone, email, credit or debit card details, billing and shipping addresses and preferred shipping method. You can also use it when checking out on a merchant's Ordering Profile in the Neighborhoods tab. The information is collected and stored under the Cash App Privacy Notice.

Supporting quotations

Where available, you may store payment and order fulfillment information for faster checkout with merchants

This information may include your name, phone number, email address, credit or debit card details, billing address, shipping address, and preferred shipping method (“Checkout Information”).

You may also access your Checkout Information at checkout on a merchant’s Ordering Profile on the Neighborhoods tab within Cash App.

Your Checkout information will be collected and stored in accordance with the

Qualifications & exceptions

Available only where offered; limitations follow in the next subsection.

Account & Service Control · Restriction or exception

Checkout feature excludes other Cash App services and is limited by region and partners; full terms apply

Checkout powered by Cash App does not include or give access to other Cash App features such as the Peer-to-Peer Service, Cash App Card payments, Virtual Currency Services or direct deposits. It may be available only in select regions and with select card issuers, payment networks, merchants and other third parties. If you already have a Cash App Account in good standing, you may be able to log in on an Ordering Profile and use Cash App Pay or your Checkout Information. Using Checkout, Cash App Pay or your account on an Ordering Profile, on the website or app, is subject to these terms in full, including acceptable use, compliance with law, disclaimers, liability limits, indemnity and dispute resolution.

Supporting quotations

Checkout powered by Cash App does not include, or provide access to, other Cash App features such as the Peer-to-Peer Service

Checkout Features may only be available in select regions, with select card issuers, payment networks, merchants, and other third parties.

If you have a pre-existing Cash App Account in good standing, you may be able to log into your Cash App Account on an Ordering Profile and access Cash App Pay and /or your Checkout Information at checkout.

is subject to these terms in their entirety, including but not limited to those relating to acceptable use, compliance with law, disclaimers, limitations of liability, indemnity, and dispute resolution and all terms generally applicable to Cash App customers that register for an account.

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.

Account & Service Control · Context

Cash App Families lets adults create accounts for minors; one account per minor

The Cash App Families program lets customers create and authorize Accounts for minors ("Sponsored Persons" with "Sponsored Accounts"), subject to eligibility rules and limits. Teens and Children are both Sponsored Persons. Each minor may have only one Sponsored Account at a time.

Supporting quotations

The Cash App Families program (“Families”) allows customers to create and authorize usage of Accounts for minors

Each individual minor may only have one Sponsored Account at any one time.

Account & Service Control · Restriction or exception

Teen accounts (13+) can be sponsored only by a parent or qualifying guardian

At Cash App's sole discretion, you may authorize Sponsored Accounts for minors aged 13 or older ("Teens") if you are at least 15 years older. You promise you are the Teen's biological or adoptive parent or guardian. A guardian means a legal guardian and, where the law allows, a foster parent, or a stepparent or grandparent living in the same household as the Teen.

Supporting quotations

You may, in our sole discretion, authorize the usage of Sponsored Accounts for minors who are thirteen (13) years of age or older (each such individual, a “Teen”).

By authorizing a Teen’s usage of a Sponsored Account, you represent and warrant that you are either

a “guardian” is defined as a legal guardian, and as permitted by applicable law, (i) a foster parent, (ii) a stepparent who resides in the same household as the Teen, or (iii) a grandparent who resides in the same household as the Teen.

Account & Service Control · Restriction or exception

Child accounts (ages 6–12) only by a parent or legal guardian; not available in New York

At Cash App's sole discretion, you may create a Sponsored Account (a "managed account") for a Child aged 6 to 12. You promise you are the Child's biological parent or legal guardian. This feature is not currently available to New York residents.

Supporting quotations

You may, in our sole discretion, create a Sponsored Account for children who are six (6) to twelve (12) years of age (each such individual, a “Child”).

By authorizing a Sponsored Account for a Child, you represent and warrant that you are either (1) the Child’s biological parent, or (2) the Child’s legal guardian.

This feature is not currently available to residents of New York.

Qualifications & exceptions

Unlike Teen accounts, the stated sponsor list for a Child does not include adoptive parents or other guardians beyond a legal guardian.

Account & Service Control · Restriction or exception

Teens control their Sponsored Account; sponsors get no approval or notice and can’t transact

By authorizing a Teen's Sponsored Account, you agree the Teen controls it. The Teen can access, use and withdraw its funds, subject to feature limits, without your prior approval or notice to you. Only the Teen may transact in the app; you may not be allowed to make transactions from it. The Teen's actions count as if you had done them, so Cash App may rely on the Teen's instructions, and Cash App may discuss the account's details with the Teen.

Supporting quotations

By authorizing a Sponsored Account for a Teen, you authorize, consent to, and approve of the Teen having control of the Sponsored Account.

The Teen will be able to access, use, and withdraw any funds held in the Sponsored Account, subject to any feature access requirements or limitations described in Section III.2.d (Feature Access) below, without prior transaction approval from, or notice to, you.

Only the Teen may be able to access or transact using the Sponsored Account in the Cash App mobile and web applications ("in-app"); you may not be permitted to make any transactions from a Teen's Sponsored Account.

The Teen’s actions with respect to the Sponsored Account will have the same force and effect as if you had done them yourself

You allow us to discuss details of the Sponsored Account with a Teen.

Qualifications & exceptions

The text cites "Section III.2.d (Feature Access)"; the Feature Access subsection actually appears as III.6.d.

Not stated here

The cross-reference to Section III.2.d does not match the document's numbering; it appears to mean Section III.6.d.

Account & Service Control · Company practice

When a Teen’s sponsorship ends, funds stay in the account with limited features

If authorization for a Teen's Sponsored Account is withdrawn or ends for any reason, the money in the Teen's Cash App Balance stays in that account, but feature access may be limited, except that the Teen can still withdraw to a Linked Account. If the Sponsored Person has died, remaining funds are distributed under applicable law. The Teen may request a new sponsor, subject to these terms and the Privacy Notice.

Supporting quotations

If your authorization for a Sponsored Account for a Teen is withdrawn or terminated for any reason, you acknowledge and agree that any funds in the Teen’s Cash App Balance will remain in the Sponsored Account.

However, access to any features for the Sponsored Account may be limited, except to the extent the Teen seeks to Withdraw to a Linked Account.

In the case of a deceased Sponsored Person, any funds remaining in the Sponsored Account will be distributed in accordance with applicable law.

The Teen may request a new sponsor for the Sponsored Account subject to the requirements in the Cash App Terms and Privacy Notice.

Account & Service Control · Company practice

When a Child’s sponsorship ends, the account closes and funds move to the sponsor

If authorization for a Child's Sponsored Account is withdrawn or ends for any reason, the Sponsored Account is closed and any funds in it are transferred to your Account.

Supporting quotations

If your authorization for a Sponsored Account for a Child is withdrawn or terminated for any reason, the Sponsored Account will be closed, and any funds in the Child’s Cash App Account will be transferred to your Account.

Account & Service Control · Restriction or exception

Teens may add money; sponsors are responsible for third-party add-money services they use

Authorizing a Teen's Sponsored Account also authorizes the Teen to "Add Money" to it as described in Section VI.2. If an Add Money method is provided by a third party, you accept full responsibility for the minor's use of that service for the Sponsored Account.

Supporting quotations

When you authorize a Sponsored Account for a Teen, you also authorize that Teen to “Add Money” to the Sponsored Account

To the extent an “Add Money” method is offered through a third party, you agree to and accept full responsibility for any Sponsored Person’s use of such service for the Sponsored Account.

Account & Service Control · Permission or license

Cash App may limit Sponsored Account transactions and block spending at certain merchants

Cash App may impose transaction limits on Sponsored Accounts and restrict their spending at specific merchants or industries, at its sole discretion.

Supporting quotations

We reserve the right to impose transaction limits and to restrict spending from Sponsored Accounts at specific merchants or industries at our sole discretion.

Account & Service Control · Company practice

Child accounts can upgrade to Teen features at 13 and close at 16 if not upgraded

When a Child turns 13, the Sponsored Account becomes eligible, with your authorization, to upgrade to Teen features. If it has not been upgraded by the time the Child turns 16, the Sponsored Account will be closed.

Supporting quotations

Once a Child reaches the age of 13, the Sponsored Account will be eligible, with your authorization, to upgrade to additional features that are available to Teens.

If the Sponsored Account is not upgraded by the time the Child is 16, the Sponsored Account will be closed.

Account & Service Control · Procedure

At 18 the minor must pass verification to own the account; otherwise it may be restricted, closed and liquidated

When a Sponsored Person turns 18, the regular eligibility and identity verification rules apply to them. Once Cash App verifies their identity, they become the sole owner of the account and everything in it, including funds, other assets, interest credited before and after graduation, and any Cash App Card. If they don't provide the information or Cash App can't adequately verify them, Cash App may in its sole discretion restrict or close the Sponsored Account, and you agree this may lead to its holdings being liquidated.

Supporting quotations

You agree that any Sponsored Person who has reached the age of 18 is subject to the Account eligibility and identity verification provisions

Once we verify the Sponsored Person's identity, a previously Sponsored Person will become the sole owner of the Sponsored Account, including the sole owner of any funds or other assets held in the Sponsored Account, including any interest credited to the account before and after Account Graduation, and any associated Cash App Card.

If the Sponsored Person does not provide the information described above, or if Cash App cannot adequately verify the Sponsored Person’s identity based on the information provided, Cash App may, in its sole discretion, restrict the use of their Sponsored Account and/or close the Sponsored Account.

You acknowledge and agree that such restriction or closure may lead to any holdings in that Sponsored Account being liquidated.

Qualifications & exceptions

Liquidation can include virtual currency held in the account (Section IX.15).

Charges & Financial Obligations · User right or choice

Sponsors can set recurring allowance payments that count toward limits

You can set up recurring peer-to-peer payments to your Sponsored Accounts weekly, every two weeks, or monthly. These payments count toward both your and the Sponsored Account's transaction limits.

Supporting quotations

You may set up recurring P2P payments to your Sponsored Account(s) on a weekly, bi-weekly, or monthly basis. These payments will count towards your and the Sponsored Account’s transaction limits.

Charges & Financial Obligations · Restriction or exception

Sponsors bear tax consequences until the minor graduates

As owner of the Sponsored Account, you are responsible for its tax consequences. If the minor completes Account Graduation, they take on ownership and responsibility for taxes going forward, but you remain responsible for tax consequences that accrued before graduation. If the minor never completes graduation, you keep responsibility for the taxes.

Supporting quotations

As you are the owner of the Sponsored Account, you are responsible for any applicable tax consequences of the Sponsored Accounts.

If the Sponsored Person completes Account Graduation pursuant to Section III(2)(f) of these terms, the Sponsored Person assumes complete ownership of the Sponsored Account and responsibility for any applicable tax consequences that accrue going forward.

However you are still responsible for any tax consequences regarding the Sponsored Account that accrued up to the point the Sponsored Person completes Account Graduation.

If the Sponsored Person fails to complete Account Graduation for any reason, you will retain responsibility for any applicable tax consequences.

Qualifications & exceptions

The text cites Section III(2)(f) for Account Graduation; graduation appears under III.6.f in this document.

Account & Service Control · Restriction or exception

Cash App can force a $Cashtag change, reclaim it, or deactivate the account

You may pick a unique alphanumeric name ("$Cashtag"). You may not choose one that Cash App believes, in its sole discretion, misleads or deceives others about your business or personal identity, or creates undue risk of chargebacks or mistaken payments. Cash App may, at its sole discretion and without liability to you, require you to change your $Cashtag or Account Information, deactivate your account, or reclaim or make your $Cashtag unavailable.

Supporting quotations

You may select a unique alpha-numeric name to identify yourself on the Service (a “$Cashtag”).

You may not select a $Cashtag that we believe, in our sole discretion, misleads or deceives others regarding your business or personal identity or that creates an undue risk of chargebacks or mistaken payments.

We reserve the right, in our sole discretion and without any liability to you, to require that you change your $Cashtag or Account Information, and to deactivate your account or reclaim or make unavailable your $Cashtag.

If you choose a $Cashtag that is misleading or deceptive, we may change it.

Charges & Financial Obligations · Permission or license

Cash App may add or change fees with reasonable notice; ATM operators and networks may charge too

Cash App's fees are listed in Section I. The company may begin charging for, or change fees for, Cash App at any time, subject to reasonable notice and these terms. Using the Cash App Card at an ATM, including for a balance inquiry, may incur a fee from the company or the ATM operator, and from any network used, as described in the Cash App Card Terms.

Supporting quotations

The fees for using Cash App are found in the "Account Opening Disclosures and Fees" Section I of these Cash App Terms.

We reserve the right to charge for, or change the fees associated with, the use of Cash App at any time subject to reasonable notice and these Cash App Terms.

A fee may be imposed by the Company or an ATM operator for use of the Cash App Card (defined below) at an ATM, including for a balance inquiry, and by any network used to complete the ATM transaction

Qualifications & exceptions

The Section I fee list shows "N/A" for ATM balance inquiries, while this section says a balance inquiry fee may be charged.

Not stated here

The Cash App Card Terms referenced for ATM fees were not supplied.

Charges & Financial Obligations · Company practice

FDIC pass-through covers balances only with a Cash App Card or sponsored account, and never bitcoin or investments

Cash App is not an FDIC-insured bank; FDIC pass-through insurance only covers the failure of an insured bank. If you have a Cash App Card or a Sponsored Account, or sponsor one, your Cash App Balance and Savings Balance are eligible for pass-through insurance through Wells Fargo Bank, Sutton Bank and/or The Bancorp Bank, if certain conditions are met, and only if the bank holding your funds fails. Without one of those, your balances are not deposit products and are not eligible. Pass-through insurance never covers Bitcoin or Investing holdings.

Supporting quotations

Cash App is a financial services platform, and not an FDIC-insured bank. FDIC pass-through insurance only covers the failure of an FDIC-insured depository institution.

If you have a Cash App Card (as defined in Section VIII) or a Sponsored Account, or if you sponsor one or more Sponsored Accounts, your Cash App Balance and your Savings Balance are eligible for FDIC pass-through insurance

if certain conditions are met. The FDIC insures your balance only in the event that the Bank identified above holding your funds fails.

If you do not have a Cash App Card or a Sponsored Account, and if you do not sponsor a Sponsored Account, your Cash App Balance and Savings Balance are not deposit products and not eligible for FDIC pass-through insurance.

FDIC pass-through insurance does not cover Bitcoin or Investing holdings.

Charges & Financial Obligations · Company practice

Insurance is capped at $250,000 per customer per bank, combined with your other deposits there

Eligible funds are insured up to $250,000, including principal and accrued interest, per customer, combined with all your other deposits held in the same legal capacity at each bank, if conditions are met. For example, multiple Cash App accounts with a Cash App Card (including Sponsored Accounts) are combined with your other accounts at the same bank for this limit.

Supporting quotations

Eligible funds are insured up to $250,000, including principal and accrued interest, per customer when aggregated with all other deposits held in the same legal capacity in any of your other accounts at each Bank above, if certain conditions are met.

For example, if you have multiple Cash App accounts with a Cash App Card (including Sponsored Accounts), those accounts are aggregated with those at the same bank

Qualifications & exceptions

Deposits you hold directly at the same bank count toward the same limit.

Charges & Financial Obligations · Restriction or exception

Funds may be swept to other banks you can’t opt out of; you must monitor your own coverage

Eligible funds at each partner bank may be automatically swept into one or more sweep network banks. How much FDIC pass-through coverage you have at each bank depends on the ownership capacity of your funds and the deposits you already hold at that bank or sweep bank. Because of system constraints, Cash App currently does not let customers exclude banks or opt out of sweep network banks. You are responsible for monitoring your total deposits at each bank, and you may not be fully insured for all funds placed at a particular bank. A list of sweep network banks used by The Bancorp Bank and Sutton Bank is at intrafi.com/network-banks.

Supporting quotations

Eligible funds held at each Bank may be automatically swept into one or more sweep network banks.

The total amount of FDIC pass-through insurance coverage available to you at each Bank and sweep network banks depends on the ownership capacity

Because of system constraints, we currently do not permit customers to designate excluded Banks or opt out of any sweep network banks.

You are responsible for monitoring your total deposits at each Bank or sweep network bank and understand that as a result, you may not be fully insured for all funds placed at a particular Bank or sweep network bank.

Charges & Financial Obligations · Restriction or exception

Money in transit or pending is not FDIC insured, even if Cash App gives you early access

Balances are pass-through insured only once a partner bank has received and holds them and conditions are met. Money you add from an External Bank Account is moved by a third party to Cash App's banks and is eligible only once the bank receives it. So even if Cash App gives you immediate or early access, there can be a delay between when funds are credited to your account and when the bank receives them, and during that delay they are not covered if the bank fails. Pending balances are not covered.

Supporting quotations

your Cash App Balance and your Savings Balance are eligible for FDIC pass-through insurance only when they are received and held by a Bank and if certain conditions are met.

When you deposit money into your Cash App Balance and/or Savings Balance from an External Bank Account, it is transferred by a third party to an account at our Banks.

This means that even when we provide you with immediate or early access to the funds sent to your Cash App account, there could be a delay between the time that those funds are credited to your account and when the funds are received by the Bank(s). During that delay, your funds are not eligible for FDIC pass-through insurance if the Bank holding those funds fails.

For avoidance of doubt, pending balances are not subject to FDIC pass-through insurance.

Charges & Financial Obligations · Company practice

Coverage depends on the banks meeting FDIC rules; amounts over $250,000 at one bank could be lost

If you have a Cash App Card or a Sponsored Account, or sponsor one, Cash App places your funds in one or more partner banks where, subject to conditions, they are eligible for pass-through insurance up to applicable limits. Coverage depends on those banks complying with FDIC deposit insurance requirements. If your total at a bank, combined with your other deposits in the same legal capacity there, exceeds $250,000, the excess could be lost if that bank fails.

Supporting quotations

we will place your funds in one or more Banks, where they will, subject to certain conditions, be eligible for pass-through FDIC insurance, up to applicable limits.

The availability of FDIC pass-through insurance is contingent upon our Banks complying with specific FDIC deposit insurance requirements.

the amount in excess of $250,000 could be lost if that Bank should fail.

Charges & Financial Obligations · Permission or license

Partner banks are Wells Fargo, Sutton and Bancorp; Cash App may change them without notice

The partner banks currently are Wells Fargo Bank, N.A., Sutton Bank and The Bancorp Bank, N.A. Cash App may add or remove a bank at any time without notice and will update this section to reflect changes.

Supporting quotations

The Banks currently include:

Wells Fargo Bank, N.A., Member FDIC

Sutton Bank, Member FDIC

The Bancorp Bank, N.A., Member FDIC

We may add or remove a Bank at any time and without notice. We will update this section to reflect any changes.

Charges & Financial Obligations · Company practice

Merchant gift cards were discontinued and balances converted to cash

Cash App's merchant-specific Gift Cards have been discontinued. Any existing Gift Card balance was converted to its cash value and added to your Cash App Balance.

Supporting quotations

“Gift Cards” for a designated merchant to a Recipient have been discontinued. Any existing Gift Card balance has been converted to its cash value equivalent and added to your Cash App Balance.

Account & Service Control · User right or choice

Reply STOP or change app settings to stop texts; opting out may affect the service

You can stop SMS messages from Cash App by replying "STOP" or by changing notification preferences in the app; Cash App will send one confirmation text and then stop texting you. Reply "HELP" or contact support for help. Carriers are not liable for delayed or undelivered messages, and message frequency varies. Opting out of communications may affect your use of the service.

Supporting quotations

You may opt-out of SMS messages from the Company by replying "STOP" or by changing your notification preferences in the app.

After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us.

Carriers are not liable for delayed or undelivered messages.

You acknowledge that opting out of receiving communications may impact your use of the Services.

Security & Safeguards · Restriction or exception

No guarantee of device compatibility; jailbroken or modified devices are not allowed

Cash App does not promise the service will work with your mobile device or carrier, and your device maker's or carrier's terms may also apply. You may not use the service on a device modified against the manufacturer's software or hardware guidelines, such as a "jailbroken" device with disabled controls.

Supporting quotations

We do not warrant that the Services will be compatible with your mobile device or carrier.

Your use of the Services may be subject to the terms of your agreements with your mobile device manufacturer or your carrier.

You may not use a modified device to use the Services if the modification is contrary to the manufacturer’s software or hardware guidelines

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.

Content & IP Rights · Permission or license

You give Cash App a perpetual, irrevocable, worldwide license to your uploaded content

"Content" includes suggestions, feedback, stories, photos, documents, logos, products, promotions, ads and other materials you upload or provide. You grant Cash App and its subsidiaries, affiliates and successors a worldwide, non-exclusive, royalty-free, fully paid, transferable, irrevocable, perpetual and sublicensable right to use, reproduce, modify, adapt, publish, make derivative works of, distribute, perform and display your Content in any media for any reason, including to provide, promote or build it into the service. You keep your rights in your Content, subject to this license. You can modify or remove Content through your Account or by closing it, but copies may persist in historical, archived or cached versions.

Supporting quotations

The Services may include functionality for uploading or providing suggestions, recommendations, feedback, stories, photos, documents, logos, products, loyalty programs, promotions, advertisements and other materials or information (“Content”).

You grant us and our subsidiaries, affiliates, and successors a worldwide, non-exclusive, royalty-free, fully-paid, transferable, irrevocable, perpetual, and sub-licensable right to use, reproduce, modify, adapt, publish, prepare derivative works of, distribute, publicly perform, and publicly display your Content throughout the world in any media for any reason, including to provide, promote, and/or incorporate into the Services.

You retain all rights in your Content, subject to the rights you granted to us in these Cash App Terms.

You may modify or remove your Content via your Account or by terminating your Account, but your Content may persist in historical, archived or cached copies and versions thereof available on or through the Services.

Qualifications & exceptions

The license survives removal of the Content and is described as irrevocable and perpetual.

Content & IP Rights · Restriction or exception

Banned content includes unlawful, infringing, harmful, competing-ad or objectionable material

Except where the law prohibits this restriction, you may not post or send through the service material that: is false, misleading, unlawful, obscene, defamatory, threatening, harassing, hateful or similar; encourages criminal or civilly liable conduct; infringes anyone's rights, including publicity, privacy or IP; contains corrupted or harmful files; advertises products competing with Cash App or its partners (as Cash App determines); in Cash App's sole judgment is objectionable, restricts others' use, or may expose Cash App, its affiliates or customers to harm or liability; or violates the Generative AI Terms of Use.

Supporting quotations

Except where prohibited by law, you will not upload or provide Content or otherwise post, transmit, distribute, or disseminate through the Services any material that:

(e) advertises products or services competitive with the Company's or its partners’ products and services, as determined by us in our sole discretion;

(f) in our sole judgment, is objectionable

anything you provide us or make available to the public through our services must not contain anything that we think is objectionable

Content & IP Rights · Permission or license

Cash App can remove content anytime without notice, may monitor it, and disclaims liability for it

Cash App has no obligation to monitor Content but has absolute discretion to remove it at any time, for any reason, without notice. It may monitor Content to detect and prevent fraud or violations of these terms. You may be exposed to offensive or objectionable Content, and Cash App takes no responsibility or liability for any Content, including loss of or damage to your own Content.

Supporting quotations

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

The Company may also monitor such Content to detect and prevent fraudulent activity or violations of the Cash App Terms.

We take no responsibility and assume no liability for any Content, including any loss or damage to any of your Content.

Security & Safeguards · Company practice

Cash App uses security measures but does not guarantee them; you share personal data at your own risk

Cash App says it has technical and organizational measures designed to protect your personal information from accidental loss and unauthorized access, use, alteration or disclosure. It cannot guarantee that unauthorized third parties will never defeat those measures or misuse your information, and you provide personal information at your own risk.

Supporting quotations

We have implemented technical and organizational measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, or disclosure.

However, we cannot guarantee that unauthorized third parties will never be able to defeat those measures or use your personal information for improper purposes. You provide your personal information at your own risk.

Security & Safeguards · Restriction or exception

You alone must protect your password and device access and report unauthorized use immediately

You are solely responsible for safeguarding your password and restricting access to the service from your devices, computers or remote access. You must immediately tell Cash App about any unauthorized use of your password or Account or any other security breach.

Supporting quotations

You are solely responsible for safeguarding your password and for restricting access to the Services from your compatible mobile devices, computers, or through remote access.

You will immediately notify us of any unauthorized use of your password or Account or any other breach of security.

Qualifications & exceptions

Your liability for unauthorized electronic transfers is set out separately in Section XII.3.

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.

Content & IP Rights · Permission or license

Your license to use Cash App is limited and revocable; you must install updates to keep using it

Cash App grants you a limited, non-exclusive, revocable, non-transferable, non-sublicensable license to use the service as these terms allow. You must accept updates Cash App makes available to keep using the service, which means keeping the latest version, possibly by installing updates manually; updates may carry additional terms. The license includes AI-Powered features, which Cash App may add, change or suspend at its discretion.

Supporting quotations

We grant you a limited, non-exclusive, revocable, non-transferable, non-sublicensable license to use the Services, as authorized in these Cash App Terms.

We may make updates to the Services available to you, which you must accept to continue using the Services.

Any such updates may be subject to additional terms made known to you at that time.

Such features may evolve over time, and we may add, modify, or suspend AI-Powered features at our discretion.

Content & IP Rights · Context

Cash App owns the service and all IP; you get no trademark rights

Cash App reserves all rights not expressly granted to you. The service is protected by copyright, trademark, patent and other laws, and Cash App owns all rights in the service and its copies. These terms give you no rights to its trademarks or service marks. "Intellectual Property Rights" is defined broadly to include patents, copyrights, moral and publicity rights, trademarks, trade secrets and similar rights anywhere, now or in the future.

Supporting quotations

We reserve all rights not expressly granted to you in these Cash App Terms.

We own all rights, title, interest in and to the Services and all copies of the Services. These Cash App Terms do not grant you any rights to our trademarks or service marks.

“Intellectual Property Rights” means all patent rights, copyright rights

Content & IP Rights · Permission or license

Cash App may use your feedback and ideas freely with no obligation to you

Submitting feedback, comments or ideas ("Ideas") is voluntary, and Cash App may use them however it sees fit without any obligation to you, including without payment.

Supporting quotations

Submitting Ideas is entirely voluntary, and we will be free to use such Ideas as we see fit and without any obligation to you.

We can act on any ideas you share with us about how we can improve our products and services free of charge.

Use & Processing · Company practice

AI chat and interfaces may process your account data, history, balances and usage patterns

AI-Powered Chat and Interfaces may access and process your Account Information, transaction history, balances and usage patterns to generate contextual responses and show potential actions. Cash App says this processing happens only within its existing architecture and under its Privacy Notice.

Supporting quotations

AI-Powered Chat and Interfaces may access and process your Account Information, transaction history, balances, and usage patterns to generate contextual responses and display potential actions.

Such processing occurs solely within Cash App’s existing architecture and pursuant to our

Not stated here

What "within Cash App's existing architecture" includes, such as third-party AI providers, is not specified here.

Content & IP Rights · Company practice

Cash App handles infringement notices and suspends or terminates repeat infringers

Cash App has a Copyright and Trademark Policy for third-party claims that your material infringes others' rights. It responds to valid infringement notices, and its policy is to suspend or terminate the accounts of repeat infringers.

Supporting quotations

We have adopted a

We respond to all valid notices of such infringement, and our policy is to suspend or terminate the accounts of repeat infringers.

Not stated here

The linked Copyright and Trademark Policy was not supplied.

Charges & Financial Obligations · Restriction or exception

Savings, uncredited transfers and held funds don’t count as available; you must ensure enough funds

Your Cash App Balance is the funds in your Account, but not all of it is available for payments. You alone are responsible for having enough available funds to complete payments. Funds in your Savings Balance, incoming transfers not yet credited, and funds under an authorization hold do not count as available.

Supporting quotations

Not all funds in your Cash App Balance are available to use for payments.

You are solely responsible for ensuring you have enough available funds in your Cash App Balance to complete any payments through the Service.

Funds in your Cash App Savings Balance, transfers into your Account that have not been credited to your Account, and funds subject to an authorization hold do not count towards the funds available in your Cash App Balance.

Charges & Financial Obligations · Permission or license

Cash App may post transactions in any order and change its posting practices without notice

Your balance can change throughout the day as transactions are received and paid. You agree Cash App may post and pay transactions from your balance in any order it chooses and may change its posting and payment practices at any time without notice. You are solely responsible for tracking your balance and transactions, and Cash App may reject any transaction that exceeds your balance.

Supporting quotations

Your Cash App Balance may fluctuate throughout the day as we receive and pay transactions.

You agree that we may post and pay transactions from your Cash App Balance in any order, in our sole discretion, and we may change the posting and payment practices at any time without notice to you.

You are solely responsible for keeping track of your Cash App Balance and the transactions you make through your Account. We may reject any transaction that exceeds the funds in your Cash App Balance.

Charges & Financial Obligations · Restriction or exception

You reimburse costs from insufficient funds; overages can be charged to your Linked Accounts

You agree to reimburse Cash App for any fees, costs or expenses it incurs because of insufficient or unavailable funds for a payment. If you make a payment larger than your Cash App Balance, you authorize Cash App to charge any of your Linked Accounts for all or part of the payment and any applicable fees. Cash App may also reject transactions that exceed your available funds.

Supporting quotations

You agree to reimburse the Company for any fees, costs, or expenses it incurs as a result of insufficient or unavailable funds in connection with any payment made through the Service.

If you make a payment that exceeds your Cash App Balance, you authorize us to charge any of your Linked Accounts for all or a portion of the payment and any applicable fees.

We may reject any transaction or payment that exceeds the available funds in your Cash App Balance.

Qualifications & exceptions

Free Overdraft Coverage (Section VI.5) separately describes when Cash App may cover some card transactions that exceed the balance.

Charges & Financial Obligations · Procedure

Adding money authorizes immediate debits of your linked account; unlink to cancel

Each time you tell Cash App to add funds from a Linked Account or Direct Deposit, or make another transfer, you authorize Cash App to debit that account immediately for the instructed amount, once or on a recurring basis. You also authorize returning funds to the Linked Account if an add-funds instruction is canceled or returned. You can cancel this authorization by unlinking the account. Cash App may settle Add Money transfers over any U.S. electronic payment network.

Supporting quotations

you authorize us to immediately debit that account at the time of the transfer for the amount instructed, either in a single or recurring transaction, as applicable.

You are also authorizing us to move funds to your applicable Linked Account for instructions to add funds that are canceled or otherwise returned.

You can cancel this authorization by unlinking your Linked Account from your Account.

The Company may settle any “Add Money” transfer from your Linked Accounts using any electronic payment network or money movement system operating in the United States.

Charges & Financial Obligations · Restriction or exception

Cash App may cap and change how much you can hold; Restricted Accounts can’t pay others from balance

Cash App may limit how much you can keep in your Cash App Balance and change those limits at any time. Balance funds might not be usable for every type of transaction. A Restricted Account cannot use its balance to pay other Cash App Accounts, including Business Accounts, until upgraded.

Supporting quotations

The Company may impose limits on the amount you can keep in your Cash App Balance and reserves the right to change these limits at any time.

Funds in your Cash App Balance might not be available to use for all types of transactions.

If you have a Restricted Account, then you may not use your Cash App Balance to make payments to other Cash App Accounts (including Cash App Business Accounts) unless you first upgrade your Account.

Charges & Financial Obligations · Permission or license

Incoming ACH money is provisional and can be taken back if the transfer fails

Money received by ACH transfer is added to your balance provisionally until it fully clears between the sending bank and Cash App. If the transfer fails, is canceled, results from a mistake, or the sending bank never sends the money, Cash App may deduct that amount from your balance.

Supporting quotations

When receiving an ACH transfer, the money is added to your Cash App Balance on a provisional basis until the transaction fully clears between the sending bank and Cash App.

If the transfer fails, gets canceled, is a result of a mistake, or the sending bank does not ultimately send the money, the Company may deduct that amount from your Cash App Balance.

Charges & Financial Obligations · User right or choice

Add funds by P2P, linked U.S. bank account or debit card, and possibly by check

Subject to the balance limits, you can add money to your Cash App Balance by receiving peer-to-peer payments, by using "Add Money" from a Linked Account, and possibly by mobile check deposit where offered under the Mobile Check Capture section. Linked Accounts can be an external bank account, which you promise is a U.S. bank account on which you are an authorized user, or a debit card, which you promise is valid, issued by a U.S. financial institution, carries a Visa, Mastercard, American Express or Discover logo, and that you are an authorized user on.

Supporting quotations

Subject to the limitations described in Section VI.1(c), you can transfer funds to your Cash App Balance in the following ways:

Any P2P Payment you receive via the Peer-to-Peer Service will be stored in your Cash App Balance.

You may use the “Add Money” function to deposit funds from a Linked Account to your Cash App Balance.

By linking an External Bank Account, you represent and warrant that the account is a U.S. bank account and that you are an authorized user on the External Bank Account.

By linking an External Card, you represent and warrant that the card is valid and issued by a U.S. financial institution, that it bears the Visa, MasterCard, American Express, or Discover logo and that you are an authorized user on the External Card.

Your linked External Bank Accounts and External Cards are collectively referred to as "Linked Accounts."

we may also offer the ability to use a check to load funds to your Cash App Balance.

Charges & Financial Obligations · Restriction or exception

Direct deposit up to $25,000 per transaction; Teen caps $5,000/day; Child accounts excluded

You can route payroll or other payments to your Cash App Balance using the routing and account numbers Cash App provides. These deposits are generally processed as ACH transfers. The maximum per Direct Deposit transaction is $25,000. A Teen's Sponsored Account can receive at most $5,000 per day and $10,000 per rolling 30 days by Direct Deposit. Child Sponsored Accounts cannot receive direct deposits.

Supporting quotations

You may direct payments made from your employer or otherwise to your Cash App Balance using the bank routing number and account number provided to you

Deposits made using such bank routing number and account number are generally processed as ACH transfers

The maximum amount that can be added to your Cash App Balance by Direct Deposit is $25,000 per transaction.

The maximum amount that can be added to a Teen’s Sponsored Account by Direct Deposit is $5,000 per day, and $10,000 per rolling 30-day period. Sponsored Accounts for Children are not eligible to receive direct deposits.

Charges & Financial Obligations · User right or choice

Cash App may let you add cash at retailers under the Paper Money Deposit terms

Cash App may also offer the ability to add cash to your Cash App Balance, subject to the Paper Money Deposit terms in Section XVIII.

Supporting quotations

we may also offer the ability to add cash to your Cash App Balance.

Charges & Financial Obligations · Procedure

Standard transfers to your bank typically take up to 3 business days and can’t be canceled once processing

You can transfer money from your Cash App Balance to your Linked Account electronically, and Cash App may settle it over any U.S. payment network. Once a transfer has begun processing you cannot cancel it. Standard transfers typically arrive within three business days.

Supporting quotations

You may electronically transfer funds from your Cash App Balance to your Linked Account.

You will not be able to cancel the transfer once the transfer has begun processing. Standard transfers to your Linked Account will typically arrive within three (3) business days.

Qualifications & exceptions

Arrival time is typical, not guaranteed; Cash App may delay transfers (see limitations).

Charges & Financial Obligations · Restriction or exception

Mastercard debit cards can’t receive standard transfers; link a bank account instead

Mastercard-branded debit cards cannot receive standard transfers from Cash App. If you linked a Mastercard debit card and want a standard (free) transfer instead of an Instant Transfer, you must link an External Bank Account.

Supporting quotations

Mastercard-branded debit cards are not eligible for standard transfers to your Linked Account.

If you link a Mastercard-branded debit card and want to complete a standard transfer, rather than an Instant Transfer, you will be required to link an External Bank Account.

Charges & Financial Obligations · User right or choice

Instant Transfer, where available, costs the fee shown and typically arrives in minutes

If available to you, Instant Transfer lets you withdraw from your Cash App Balance to certain Linked Accounts for the fees shown in the Instant Transfer screen. Funds are typically available within minutes.

Supporting quotations

If this feature is available to you, you may Withdraw from your Cash App Balance to certain Linked Accounts subject to the fees detailed in the Instant Transfer experience.

Funds are typically available within minutes.

Charges & Financial Obligations · Permission or license

Cash App may limit, delay or hold cash-outs, especially during investigations or legal requests

Cash App may limit the number and amount of transfers to your Linked Account and may delay or further limit them at its discretion to protect itself or others against reversals, chargebacks, claims, fees, fines, penalties and other liability. You may not move money out to evade a payment investigation; if you try during an investigation, Cash App may hold your funds. It may also defer or redirect payouts or restrict access to funds to comply with law, a subpoena or court order, or a government request. You remain liable for all Account obligations even after the Account is closed.

Supporting quotations

The Company may limit the number and amount of transfers you can initiate from your Cash App to your Linked Account.

We reserve the right to delay or further limit such transfers at our discretion to protect the Company or a third party against the risk of reversals, chargebacks, claims, fees, fines, penalties and other liability.

In addition, you may not transfer funds from your Cash App Balance to your Linked Account to evade a payment investigation.

If you attempt to transfer your Cash App Balance while we are conducting an investigation, we may hold your funds at our discretion

We also may defer or redirect payout or restrict access to your funds as necessary to comply with applicable law, subpoena or court order, or if requested by any governmental entity.

You will remain liable for all obligations related to your Account even after the Account is closed.

For example, we may delay transfers while we screen for fraud or risks.

Charges & Financial Obligations · Procedure

Auto Reload pulls money from your linked debit card on a schedule or low balance; Cash App can cancel it

Auto Reload lets you authorize recurring transfers into your Cash App Balance from an external account through a linked debit card you choose, either on a schedule or when your balance drops below an amount you set. Cash App then transfers funds automatically according to your instructions. Auto Reload is disabled if you cancel or stop payment, or unlink the debit card, and Cash App may cancel it at any time in its sole discretion. Copies of your authorizations are available in Cash App.

Supporting quotations

You are able to set up preauthorized transfers into your Cash App Balance (“Auto Reload”) and Cash App Savings Balance (“Auto Save”). Copies of your authorizations for both products can be found on Cash App.

You can schedule these transfers on a recurring basis or if your Cash App Balance reaches an amount that is below an amount that you set.

Your Auto Reload will be disabled if you request a cancellation or stop payment pursuant to the process outlined below, or if you unlink the debit card used from your Cash App Account.

We reserve the right to cancel your Auto Reload at any time at our sole discretion.

Charges & Financial Obligations · Procedure

Auto Save moves money to Savings on a schedule with $1 or $10 minimums; Cash App can disable it

Auto Save lets you schedule recurring transfers into your Cash App Savings Balance from your Cash App Balance (minimum $1 per transfer) or from an external account through a linked debit card (minimum $10 per transfer). Cash App may disable Auto Save at any time and for any reason, including if you cancel or stop payment, unlink the debit card, delete the savings goal it funds, or after three consecutive failed transfers.

Supporting quotations

For Auto Save, you can authorize scheduled, recurring transfers into your Cash App Savings Balance from either your Cash App Balance or an external account using the linked debit card you select.

Auto Save transfers using your Cash App Balance are subject to a $1 minimum per transfer, and transfers using a linked debit card are subject to a $10 minimum per transfer.

Your Auto Save can be disabled at any time and for any reason at our discretion, including but not limited to scenarios where your request to cancel or stop payments pursuant to the process outlined within these terms, if you unlink the debit card used for these transfers from your Cash App Account, if you delete the savings goal your preauthorized transfer is funding, or if there are three consecutive failures to transfer your funds into Cash App.

Charges & Financial Obligations · Restriction or exception

Recurring ACH debits by merchants from your balance depend on available funds and limits

If you authorize a merchant or other third party to take recurring ACH debit payments from your Cash App Balance using your account and routing numbers, those payments are subject to your available funds and the balance limitations in Sections VI.1.a and VI.1.c.

Supporting quotations

If you authorize a merchant or other third party to make recurring ACH debit payments from your Cash App Balance using your account and routing number, such payments will be subject to available funds and limitations described in Section VI.1.a and VI.1.c.

Charges & Financial Obligations · User right or choice

Cancel Auto Reload or Auto Save in the app, through support, or by phone

To cancel or stop scheduled Auto Reload or Auto Save transfers, you can cancel them in Cash App, contact Cash App Support in the app, or call (800) 969-1940.

Supporting quotations

To cancel authorizations or to request a stop payment for scheduled Auto Reload and/or Auto Save Transfers, you have a few options. You can:

Cancel scheduled payments within Cash App,

Contact us using the Cash App Support feature available on Cash App, or

Call us at (800) 969-1940 for assistance.

Charges & Financial Obligations · User right or choice

Stop recurring merchant ACH debits by requesting merchant blocking at least 3 business days ahead

To cancel recurring ACH debits a merchant takes from your Cash App Balance using your account and routing numbers, you can ask Cash App for merchant blocking, which blocks all future ACH debits from that merchant. Cash App must receive the request at least three business days before the scheduled transfer. Blocking is only available for merchants that have already made an ACH debit from your account. Cash App recommends also contacting the merchant. You can request blocking through Cash App Support in the app or by calling (800) 969-1940.

Supporting quotations

you can request Cash App merchant blocking, which will block all future ACH debit payments from that merchant.

We must receive the request at least three (3) business days before the scheduled date of the transfer.

Merchant blocking is only available for existing merchants who have previously made an ACH debit from your Cash App account.

Contact us using the Cash App Support feature available on Cash App, or

Call us at (800) 969-1940 for assistance.

Charges & Financial Obligations · Restriction or exception

Cash App isn’t responsible for failing to stop a preauthorized transfer if asked within 3 business days

Cash App will try to stop or cancel any preauthorized transfer before its scheduled date, but it is not responsible for failing to honor a request received within three business days of the scheduled transfer.

Supporting quotations

we will attempt to stop or cancel any preauthorized transfer ahead of the scheduled date, but we are not responsible for any failure to honor such a request if it is received within three (3) business days of the scheduled transfer.

Charges & Financial Obligations · Context

Cash App Savings is governed by separate Savings Terms you accept by using it

Cash App Savings is described in the separate Cash App Savings Terms of Service; if you are eligible and use it, you agree to those terms. Auto Save and other preauthorized transfers into Savings are covered by the Preauthorized Transfers subsection.

Supporting quotations

If you are eligible and choose to use the Cash App Savings feature, you agree to the

for important information regarding Auto Save and preauthorized transfers into your Cash App Savings Balance.

Qualifications & exceptions

The text cites "Section IV, Subsection 1(f)" for Preauthorized Transfers; that subsection appears as VI.1.f in this document.

Not stated here

The Cash App Savings Terms of Service were not supplied with this document.

Charges & Financial Obligations · Company commitment

Customer funds are kept apart from corporate funds but may be pooled with others’ funds

Funds you hold in your Cash App Balance or Savings Balance are held separately from the company's corporate funds; the company will not use them for corporate purposes and will not voluntarily make them available to its creditors in bankruptcy. The company may pool your funds with other customers' funds in one or more bank accounts in its own name.

Supporting quotations

the Company will hold such funds separate from its corporate funds and will not use your funds for any corporate purposes, nor will the Company voluntarily make your funds available to its creditors in the event of bankruptcy.

The Company could combine your funds with the funds of other customers and pool these funds into one or more bank accounts in the Company's name.

Qualifications & exceptions

The bankruptcy commitment is limited to not "voluntarily" making funds available to creditors.

Charges & Financial Obligations · Company practice

Cash App acts as your agent and may sweep funds to banks, money market funds or brokerages

Keeping money in your Cash App Balance or Savings Balance appoints the company as your agent to hold your funds at its banks or a brokerage, at its sole discretion, including through overnight sweeps to banking partners, non-bank money market mutual funds or third-party brokerages. Funds at the partner banks remain eligible for FDIC pass-through insurance, subject to conditions, if the bank fails; funds held with third-party brokerages are not FDIC eligible. You can access your funds only through Cash App, not directly from the banks or brokerages holding them.

Supporting quotations

By maintaining funds in your Cash App Balance and/or Savings Balance, you appoint the Company as your agent for the purpose of holding your funds at our Banks or a brokerage at the Company’s sole discretion.

These sweep operations allow the Company, through banking partners, non-bank money market mutual funds, or third-party brokerages to manage your funds.

Funds held with third-party brokerages are not eligible for FDIC pass-through deposit insurance.

Access to your funds is only available through Cash App, and your funds cannot be obtained directly from the Banks or brokerages where the Company, as your agent, has deposited or swept your funds.

Qualifications & exceptions

The text cites "Section III(8)" for FDIC pass-through insurance; that subsection appears as III.9 in this document.

Charges & Financial Obligations · Restriction or exception

You give Cash App all interest earned on your balances unless you use Savings Yield

Unless you are enrolled in the Savings Yield feature, you irrevocably transfer to the company all of your rights to any interest earned on your Cash App Balance and Savings Balance funds it holds for you, as consideration for using the service.

Supporting quotations

as consideration for your use of the Service, you irrevocably transfer and assign to the Company all of your rights in any and all interest accrued on you Cash App Balance and your Savings Balance funds that are held by the Company on your behalf.

Unless you are enrolled in the Savings Yield feature

Charges & Financial Obligations · User right or choice

Optional Free Overdraft Coverage lets eligible users overdraw up to $200 on card purchases only

Eligible customers can enroll in optional, no-fee, non-recourse Free Overdraft Coverage, which lets you overdraw your Cash App Balance on Cash App Card purchases up to a limit no greater than $200. It does not cover ACH transfers, cash-back transactions or ATM withdrawals; other transactions are still declined if you lack funds.

Supporting quotations

Cash App offers you, if eligible, the ability to enroll in an optional, no-fee, and non-recourse overdraft feature (“Free Overdraft Coverage”)

for Cash App Card purchase transactions, but excluding ACH transfers, cash-back transactions, and ATM withdrawals (“Qualifying Transactions”), up to a specified amount no greater than $200 (the “Limit”).

Free Overdraft Coverage is only available for Qualifying Transactions. Other transactions will continue to be declined if there are insufficient funds in your Cash App Balance.

Qualifications & exceptions

The Prepaid Account fee disclosure states "No overdraft/credit feature."

Charges & Financial Obligations · Permission or license

Cash App sets and can change your overdraft limit at its sole discretion

Cash App sets your overdraft limit in its sole discretion based on account history, direct deposit history, spending and other risk factors, and may raise or lower it at any time. The limit is the most you can overdraw on qualifying purchases. Changes are communicated to you and shown in the app.

Supporting quotations

The Limit is determined by Cash App in its sole discretion based on your account history, direct deposit history, spending activity, and other risk-based factors.

Your Limit may be increased or decreased at any time by Cash App

Any changes to your Limit will be communicated to you and also displayed within your Cash App mobile application.

Charges & Financial Obligations · Restriction or exception

Overdraft coverage requires monthly Cash App Green status; Sponsored Accounts are excluded

Cash App decides eligibility for Free Overdraft Coverage in its sole discretion. Among other factors, you must be a Cash App Green customer (Section XIX) and keep qualifying every month; if you stop qualifying, Cash App ends your enrollment and stops approving purchases that would overdraw. Sponsored Accounts cannot enroll. Cash App may change or add requirements at any time.

Supporting quotations

Eligibility for Free Overdraft Coverage is determined by Cash App in its sole discretion.

to be eligible for Free Overdraft Coverage, you must be a Cash App Green customer

If you no longer qualify for Cash App Green, Cash App will terminate your enrollment in Free Overdraft Coverage and not approve any Qualifying Transactions that may result in an overdraft balance. Sponsored Accounts are not eligible to enroll in or use this feature.

At any time, Cash App may in its sole discretion change the existing requirements or add additional requirements at any time that you must meet in order to enroll or continue to use Free Overdraft Coverage.

Charges & Financial Obligations · Company commitment

Overdraft coverage has no fees or interest, but related service and third-party fees still apply

Cash App charges no fees or interest to be eligible for or use Free Overdraft Coverage. Fees for related services still apply under their own terms, including third-party fees on certain Cash App Card transactions.

Supporting quotations

Cash App will not charge you any fees or interest to be eligible or to use Free Overdraft Coverage.

fees for related services continue to apply according to the terms associated with any such services, including third-party fees that may apply to certain types of Cash App Card transactions.

Charges & Financial Obligations · Procedure

New deposits automatically repay an overdraft unless you ask support to turn autopay off

Any money deposited to your Cash App Balance while you have an overdraft balance is automatically used to pay it off ("autopay"). You can opt out of autopay by calling Cash App Support at 1-800-969-1940 or using in-app chat, and then repay manually in the app.

Supporting quotations

Any funds deposited to your Cash App Balance with an overdraft balance will be automatically used to pay off the overdraft balance (“autopay”).

You may choose to opt out and disable autopay of your overdraft balance by contacting Cash App Support

If you have disabled autopay, you can pay the overdraft balance manually in the Cash App mobile application.

Charges & Financial Obligations · Company commitment

You have no obligation to repay an overdraft; no collections, debt sales or credit reporting

You are not obligated to repay your overdraft balance, and Cash App has no legal or contractual claim against you if you don't. Cash App will not pursue debt collection, place or sell the balance to a third party, or report the overdraft to a consumer reporting agency.

Supporting quotations

You have no obligation to repay your overdraft balance and Cash App will have no legal or contractual claim or remedy against you based on your failure to repay your overdraft balance.

We will not engage in any debt collection activities if your overdraft balance is not repaid, place the outstanding balance with or sell it to a third party, or report to a consumer reporting agency concerning the overdraft amount.

Qualifications & exceptions

Deposits still repay the overdraft automatically unless you opt out of autopay.
Not repaying within 90 days can lead Cash App to end your access to the feature.

Cross-references

contrast (model-proposed): Cash App can take money you owe from any linked account or card, repeatedly and without notice — contrast: The broad Recovery of Funds authorization lets the company collect amounts owed from any linked source, while Free Overdraft Coverage balances are non-recourse with no collection; the overdraft section is specific to that feature.

Charges & Financial Obligations · Permission or license

You can cancel overdraft coverage anytime; Cash App can end it, e.g. after 90 days unpaid

You can cancel Free Overdraft Coverage in the app at any time, after which Cash App won't approve purchases that would overdraw; if still eligible you can re-enroll. Cash App may suspend or terminate your coverage for any reason, including not repaying your overdraft balance within 90 calendar days, and is not liable for costs, fees or losses from that termination, such as insufficient funds fees, late fees or legal fees.

Supporting quotations

You may cancel your use of Free Overdraft Coverage using the Cash App mobile application at any time.

If you continue to remain eligible for the feature, you may re-enroll at any time.

Cash App may suspend or terminate your use of Free Overdraft Coverage for any reason in its discretion, including failure to pay your overdraft balance within 90 calendar days.

You agree that Cash App will not be liable to you or any third-party for any costs, fees, or losses associated with the termination of your access to Free Overdraft Coverage

Charges & Financial Obligations · Restriction or exception

Peer-to-peer payments are for personal, non-commercial use, except Earn in P2P sellers

The Peer-to-Peer Service lets you send and receive money for personal, non-commercial purposes. Eligible sole proprietors may also use it to receive payments for goods and services through Earn in P2P, subject to Section VII.7.

Supporting quotations

The peer-to-peer Service (“Peer-to-Peer Service”) allows you to send funds or receive funds for peer-to-peer personal, non-commercial purposes.

Eligible sole proprietors may also use the Peer-to-Peer Service to receive payments for goods and services through the Earn in P2P Service

Charges & Financial Obligations · Restriction or exception

Send P2P from Linked Accounts, including some credit cards; balance sends need verification

Once you have an Account and at least one Linked Account you can send money with the Peer-to-Peer Service. For P2P, a Linked Account can include certain U.S.-issued Visa, Mastercard, Discover or American Express credit cards. You can send from your Cash App Balance only after you give the required information, Cash App verifies your identity, and you have a Prepaid or Debit Flex Account; Restricted Accounts cannot pay other customers from the balance. Only certain Linked Accounts can be used. To send, you give Cash App a Payment Instruction naming the Recipient, funding source and amount.

Supporting quotations

Once you have opened an Account and have one or more Linked Accounts, you will be able to send funds using the Peer-to-Peer Service.

For purposes of this Section VII, a Linked Account may include certain credit cards issued by a U.S. bank or financial institution bearing the Visa, Mastercard, Discover, or American Express logo.

This means that until (a) you give us this information (b) we verify your identity and (c) you have a Prepaid Account or Debit Flex Account, you will not be able to use the Cash App Balance to send funds using the Peer-to-Peer Service.

You may only send funds with the Peer-to-Peer Service using certain Linked Accounts.

by designating the Recipient, the funding source, and the transfer amount to us (a “Payment Instruction”).

Qualifications & exceptions

Credit-card funded sends carry a 3% fee (Section I).

Charges & Financial Obligations · Procedure

Each P2P instruction authorizes an immediate debit; unlink an account to cancel the authorization

Each Payment Instruction authorizes Cash App to debit your Cash App Balance or Linked Account for the amount and send it to the Recipient immediately. You also authorize returning funds to your Linked Account or balance if a payment is canceled or returned. You can cancel this authorization by unlinking the Linked Account.

Supporting quotations

By initiating each Payment Instruction, you authorize us to debit your Cash App Balance or Linked Account by the amount you specify, and to send those funds to your designated Recipient (a “P2P Payment”) immediately upon your request.

By submitting a Payment Instruction, you are also authorizing us to move funds to your applicable Linked Account or Cash App Balance for P2P Payments that are canceled or otherwise returned.

You can cancel this authorization by unlinking that Linked Account from your Cash Account.

Charges & Financial Obligations · Procedure

Money leaves your account immediately but may be held up to 15 days until the recipient completes details

When you start a P2P payment, funds can leave your balance or Linked Account immediately, but Cash App completes the transfer only after the Recipient provides all required information. You authorize Cash App to hold the funds until the Recipient does so or for 15 days, whichever comes first.

Supporting quotations

processing will begin, and funds will leave your Cash App Balance or Linked Account as early as the moment you initiate the Payment Instruction.

However, we will complete the transfer of funds to the Recipient once the Recipient has provided all required information.

You hereby authorize and direct us to retain such funds until the earlier of such time as the Recipient has provided all required information or fifteen (15) days.

Not stated here

What happens to held funds after 15 days if the Recipient has not completed the information is not stated here.

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.

Charges & Financial Obligations · Restriction or exception

You can fund payments from a linked bank account; Cash App decides which accounts qualify

You may link a bank account to fund payments, but the company may limit which banks or account types count as Linked Accounts. Restricted Accounts must pay other customers with a Linked Account or upgrade first.

Supporting quotations

You may link a bank account to Cash App to fund payments.

The Company reserves the right to limit which banks or what types of accounts constitute a Linked Account.

Charges & Financial Obligations · User right or choice

With enough balance you choose balance or Linked Account; otherwise you pick a Linked Account

If you have a Prepaid or Debit Flex Account and enough in your Cash App Balance to cover the full payment, you can choose whether to pay from your balance or a Linked Account. If your balance can't cover the full amount, you can choose a Linked Account as the funding source.

Supporting quotations

If you have a Prepaid Account or Debit Flex Account and have sufficient funds in your Cash App Balance to satisfy the full payment amount you can choose whether you want the payment fulfilled by your Cash App Balance or a Linked Account.

If you do not have sufficient funds in your Cash App Balance to cover the full transaction, then you may choose the funding source from your Linked Accounts.

Charges & Financial Obligations · Procedure

You can request money; approved requests become the sender’s payment; received money goes to your balance

You can request money from a chosen Sender by naming the amount (a "Cash Request"). If the Sender approves, it becomes the Sender's Payment Instruction and is processed under these terms. Any P2P payment you receive is stored in your Cash App Balance.

Supporting quotations

You may also request funds to be transferred to you through the Peer-to-Peer Service by designating the amount of funds requested and your selected Sender (a “Cash Request”).

If the Sender approves your Cash Request, your Cash Request will become the Sender’s Payment Instructions and be processed as described in these Cash App Terms.

Any P2P Payment you receive via the Peer-to-Peer Service will be stored in your Cash App Balance.

Charges & Financial Obligations · Context

Pools let an Organizer collect contributions in a temporary balance; not for Business or Restricted Accounts

Peer-to-Peer Pools let an "Organizer" create a temporary balance within their Cash App Balance to collect money for a stated purpose, and let "Contributors" contribute to it. Business Accounts and Restricted Accounts cannot organize a Pool. A Pool is not a separate account, bank account, collective investment, investment or savings account, and earns no interest. The Organizer is responsible for making sure the contributions are used lawfully.

Supporting quotations

Peer-to-Peer Pools (“Pools”) provide a service for an “Organizer” to create a temporary balance of their Cash App Balance (a “Pool”) to receive funds for a specified purpose

Neither Cash App Business Accounts nor Restricted Accounts may organize a Pool.

A Pool is not a separate Cash App Account. It is not a bank account, collective investment, investment, or savings account. You will not earn interest on contributions you receive in a pool.

It remains the Organizer’s responsibility to ensure that the use of the contributions complies with applicable laws.

Account & Service Control · Restriction or exception

Organizers must be verified, in good standing, collecting for personal use on their own initiative

You may only use Pools to collect contributions for personal use, and your account must be in good standing when you start and for the Pool's whole duration. You must have verified your identity and provide any information Cash App requests. Cash App may set a time limit after which the Pool stops accepting contributions, though you can still withdraw or use the funds. You may only organize a Pool on your own initiative, not at someone else's direction or on someone else's behalf.

Supporting quotations

You, as Organizer, may only use Pools to solicit contributions for personal use. You must have an Account in good standing to organize a Pool.

Your Cash App Account must remain in good standing for the duration of the Pool.

You must have verified your identity with Cash App to create a Pool

We may place a time limit on how long a Pool may be active, after which time the funds will still be able to be withdrawn or otherwise used as permitted in these Cash App Terms, but the Pool may no longer receive contributions.

You may only organize a Pool on your own initiative. This means you have not been instructed by somebody else to organize the Pool, and you are not acting on behalf of anyone else.

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.

Account & Service Control · Restriction or exception

Organizers may not solicit New York residents unless they have a Cash App account

An Organizer may not solicit contributions from a New York resident unless that Contributor has a Cash App account.

Supporting quotations

You, as Organizer, may not solicit contributions from any Contributor who is a New York resident unless the Contributor has a Cash App account.

Charges & Financial Obligations · Procedure

Pool contributions must be moved to your balance before you can spend or withdraw them

Contributions an Organizer receives are held in a temporary balance of their Cash App Account and must be transferred to the Cash App Balance before they can be used for a payment or withdrawal.

Supporting quotations

Contributions you (as Organizer) receive in a Pool will be held in a temporary balance of your Cash App Account. You must transfer contributions to your Cash App Balance before you can use them to make a payment or withdrawal.

Content & IP Rights · Restriction or exception

Pool content must follow the terms and AUP and may not claim contributions are tax deductible

Neither Organizers nor Contributors may post Pool content that violates these terms or the Acceptable Use Policy, and no one may falsely claim or suggest that Pool contributions are tax deductible.

Supporting quotations

You may not post any content within the Pool, either as Organizer or Contributor, that in any way violates the Cash App Terms or the

You may not falsely assert, suggest, or imply that contributions to a Pool are tax deductible.

Not stated here

The linked Acceptable Use Policy was not supplied.

Account & Service Control · Restriction or exception

Pools may not be used for charity, sales, business, politics or unlawful purposes

You may not use Pools, explicitly or implicitly, for anything that violates these terms or the Acceptable Use Policy, any unlawful purpose, raising funds for charities, selling goods or services, any business purpose, or political campaigns or the benefit of a political party, figure or candidate. The list continues in the next part of the section.

Supporting quotations

You may not use Pools for the explicit or implicit purpose of or involving:

any activity or purpose that violates the Cash App Terms or the

any unlawful activity or purpose;

raising funds for charities;

the sale of goods or services;

any business purposes;

a political campaign or otherwise for the benefit of a political party, political figure, or candidate for office;

Account & Service Control · Restriction or exception

Pools also can’t collect for minors without guardian consent, offer investments, or give rewards

Pools also may not be used to collect contributions for a minor without the guardian's permission; for securities, cryptocurrency, investment opportunities, debt or equity, revenue sharing, annuities, loans or credit; or to offer any incentive, ownership interest, return, interest, benefit, reward or perk in exchange for a contribution.

Supporting quotations

any attempt to collect contributions for a minor without the permission of the minor’s guardian;

securities, cryptocurrency or digital currency, investment opportunities, debt or equity, revenue sharing, annuities, investments, loans, credit, etc.; or

offering any incentive, ownership interest, return, interest, benefit, rewards, or perks in return for a contribution to your Pool.

Account & Service Control · Context

Contributors don’t need a Cash App account except New York residents; no-account contributors have separate terms

You can contribute to a Pool without a Cash App Account unless you live in New York, where an account is required. These terms govern contributions made through a Cash App Account; contributions without an account are governed by the separate Terms of Service for Pools Contributors (No Account). Contributors must give Cash App any information it requests to confirm identity.

Supporting quotations

You, as a Contributor, are not required to create or maintain a Cash App Account to contribute to a Pool, unless you are a New York resident.

These Terms govern Contributors who contribute through a Cash App Account.

You agree to provide us with any information we may request to confirm your identity or any other information we request.

Not stated here

The separate Terms of Service for Pools Contributors (No Account) were not supplied.

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.

Account & Service Control · Permission or license

Cash App may limit Pools, end them, hold contributions and offset negative balances

Cash App may impose limits on Pools in its sole discretion, including amounts you can contribute or receive and how many Pools you can organize or join in a period. If it believes you breached these terms, it may suspend or end your Pool, hold the contributions in your account, remove content, and act against your Cash App Account. Because a Pool is part of your account, Cash App keeps all its account rights over it, including setting off negative balances.

Supporting quotations

We may impose limits on Pools in our sole discretion

If we believe that you have breached these Terms, we may suspend or terminate your Pool, hold the contributions in your Cash App Account, remove violative content

we retain all rights detailed in the Cash App Terms with respect to the Pool, including but not limited to the right to set off negative balances.

Charges & Financial Obligations · Company practice

No fee to organize a Pool; standard P2P fees apply to sending and receiving

Cash App charges no fee to organize a Pool. Sending money to or receiving money in a Pool through your Cash App Account carries the Peer-to-Peer Service fees. Cash App suggests consulting your own tax, legal or financial advisor before using Pools.

Supporting quotations

We don’t charge fees to organize a Pool.

When you use your Cash App Account to send money to, or receive money in, a Pool, applicable fees apply and are set forth in the Cash App Terms under “Peer-to-Peer Service Fees.”

Before using Pools, you should consult your own tax, legal, financial, or other advisor as appropriate.

Charges & Financial Obligations · Context

Earn in P2P lets eligible sole proprietors take business payments in a personal account; its rules control

"Earn in P2P" is an optional feature, activated by enrolling, that lets eligible sole proprietors receive payments for goods and services ("Earnings Transactions") in their personal Cash App Account without opening a Business Account. Section VII.7 supplements the rest of the terms and controls over them for Earn in P2P if they conflict.

Supporting quotations

The "Earn in P2P" Service allows eligible sole proprietors to receive payments for goods and services directly within their personal Cash App Account (an "Earnings Transaction"), without opening a Cash App Business Account.

Earn in P2P is currently an optional feature and must be activated through the enrollment process described below.

To the extent of any conflict between this Section VII.7 and other provisions of the Cash App Terms with respect to the Earn in P2P Service, this Section VII.7 controls.

Account & Service Control · Restriction or exception

Earn in P2P requires a verified Prepaid/Debit Flex account, full SSN, age 18+ and true sole proprietorship

To enroll in and keep Earn in P2P you must: hold a verified Prepaid or Debit Flex Account (Restricted and Sponsored Accounts are not eligible); be an individual acting as a sole proprietor, since anyone operating through a registered entity such as an LLC, corporation, partnership or nonprofit must use a Business Account; provide your full nine-digit SSN and finish identity verification before receiving Earnings Transactions; and be at least 18. Cash App may check eligibility at any time and suspend or revoke access if you no longer qualify.

Supporting quotations

To enroll in and maintain Earn in P2P, you must:

hold a Cash App Account (Prepaid Account or Debit Flex Account) for which you have verified your identity. Restricted Accounts and Sponsored Accounts are not eligible;

be an individual operating in your personal capacity as a sole proprietor.

are not eligible and must use a Cash App Business Account (see Section XI) to receive payments for goods and services;

have provided your full nine-digit Social Security Number and completed the Company’s identity verification process before receiving any Earnings Transactions; and

be at least 18 years of age.

We reserve the right to verify your eligibility at any time and to suspend or revoke your access to the Earn in P2P Service if you no longer meet these requirements.

Account & Service Control · Restriction or exception

Earn in P2P users certify they are sole proprietors and must stop if they form a business entity

By enrolling in Earn in P2P you certify that you operate as a sole proprietor in your individual capacity, not through any registered business entity, that you have full legal authority to accept these terms individually, and that you will stop using Earn in P2P immediately if you form or start operating through a registered business entity.

Supporting quotations

By enrolling in and using Earn in P2P, you represent, warrant, and certify that:

you are operating as a sole proprietor, in your individual capacity, and are not conducting business through any registered business entity of any kind

you have the full legal right and authority to enter into these Cash App Terms in your individual capacity; and

you will immediately cease use of Earn in P2P if you form or begin operating through a registered business entity while using Earn in P2P.

Charges & Financial Obligations · Restriction or exception

You must tag received payments as Earnings or Personal accurately; mis-tagging to dodge tax rules is a violation

You are responsible for accurately designating payments you receive as "Earnings" (commercial payments for goods or services) or "Personal" (non-commercial). You must do so accurately and in good faith. Labeling a goods-or-services payment as Personal to avoid tax reporting thresholds or other legal obligations violates these terms and may lead to suspension or termination of your Account. Cash App may limit when and how often you can change a designation.

Supporting quotations

You are responsible for accurately designating payments you receive as either "Earnings" (a commercial payment for goods or services) or "Personal" (a non-commercial payment).

Designating a payment for goods or services as "Personal" for the purpose of avoiding tax reporting thresholds or any other legal obligation is a violation of these Cash App Terms and may result in suspension or termination of your Account.

We reserve the right to maintain limits on revising designation of transactions, including the circumstances in which you may redesignate transactions and how often you may redesignate transactions.

Charges & Financial Obligations · Restriction or exception

Even with Earn in P2P, your balance is a personal account and can’t be a business operating account

Even if you use Earn in P2P, all funds in your Cash App Balance, including Earnings, must be used only for personal, non-commercial purposes once deposited. Your Cash App Account remains a personal consumer account, and you agree not to use your balance as a business operating account.

Supporting quotations

you agree that all funds held in your Cash App Balance, including Earnings, will be used solely for personal, non-commercial purposes once deposited into your Cash App Balance.

Your Cash App Account remains a personal consumer account and is not a business operating account. You agree not to use your Cash App Balance as a business operating account.

Sharing & Disclosure · Company practice

Cash App must report Earn in P2P income to tax authorities once thresholds are passed

If in a calendar year your Earnings Transactions exceed the IRS or state/local reporting thresholds for gross payments or number of payments, Cash App is legally required to report information about you and your Earn in P2P use to the IRS and applicable state and local governments. The gross amount is counted without deducting credits, discounts, fees, refunds or other adjustments, and thresholds are measured by the taxpayer identification number on your account. You alone are responsible for all tax obligations from your Earnings, including self-employment tax.

Supporting quotations

Cash App will be required by law to report information about you and your use of Earn in P2P to the IRS and applicable state and local governments.

the gross amount does not include any adjustments for credits, cash equivalents, discount amounts, fees, refunded amounts or any other amounts.

this will be determined by looking at the taxpayer identification number (“TIN”) provided in connection with your Cash App Account.

You are solely responsible for all tax obligations arising from your Earnings activity, including self-employment taxes.

Not stated here

The actual IRS and state reporting thresholds are not stated in the terms.

Charges & Financial Obligations · Company practice

Without a valid SSN on file, Cash App withholds 24% of reportable earnings for the IRS

You must provide your full nine-digit Social Security Number before receiving Earnings Transactions. If a valid SSN is not on file when a reportable Earnings Transaction occurs, Cash App is legally required to withhold 24% of that payment as backup withholding and send it to the IRS for you, and you authorize this.

Supporting quotations

You must provide your full nine-digit Social Security Number before receiving any Earnings Transactions.

If a valid Social Security Number is not on file at the time of a reportable Earnings Transaction, we are required by law to withhold 24% of that payment as backup withholding and remit it to the IRS on your behalf.

By using Earn in P2P, you authorize us to apply backup withholding if required and to remit any withheld amounts to the Internal Revenue Service.

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.

Account & Service Control · Permission or license

Cash App may require you to move to a Business Account for any reason

Cash App may, at its discretion and for any reason, require you to switch to a Cash App Business Account, including if it concludes a dedicated business account is more appropriate for you.

Supporting quotations

We may, in our discretion, require you to transition to a Cash App Business Account (see Section XI) for any reason, including if we conclude that a dedicated business account is the more appropriate account for you.

Account & Service Control · Restriction or exception

Earn in P2P can’t be used to receive money for others or to mislabel payments

Besides the Acceptable Use Policy's prohibitions, you may not use Earn in P2P to receive payments for any registered business entity, LLC, corporation or anyone other than yourself, or to designate payments inaccurately to avoid tax reporting thresholds or other legal obligations.

Supporting quotations

In addition to the Prohibited Uses set forth in the Cash App Acceptable Use Policy (Section XXIII.5), you may not use Earn in P2P to:

receive payments on behalf of any registered business entity, LLC, corporation, or any person other than yourself; or

designate payments inaccurately to avoid tax reporting thresholds or other legal obligations.

Charges & Financial Obligations · Permission or license

Cash App may change or discontinue Earn in P2P at any time

Earn in P2P may change, and Cash App may modify, limit or discontinue it or any part of it at any time. Any Cash App Green benefits tied to Earn in P2P activity, if offered, are governed by Section XIX.

Supporting quotations

The Earn in P2P Service is subject to change. We reserve the right to modify, limit, or discontinue the Earn in P2P Service, or any aspect of it, at any time.

Any Cash App Green benefits associated with Earn in P2P activity, if offered, are governed by the terms set forth in Section XIX of these Cash App Terms.

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.

Account & Service Control · Restriction or exception

Earn in P2P can’t be used for 29 listed business types, or if linked to any illegal business such as cannabis

Except where the law prohibits this restriction, you may not receive Earnings Transactions for 29 listed businesses or activities, including illegal goods or paraphernalia, membership clubs, credit repair, identity theft protection, subscription offers, online pharmacies without a physical visit, unauthorized multi-level marketing, telemarketing, bill payment services, gambling and lotteries, cash disbursements, prepaid cards and other financial products, money orders or foreign currency, adult entertainment, firearms, ammunition and weapons, mail-order age-restricted products such as tobacco, occult materials, hate products, escort services, bankruptcy attorneys or debt collectors, and political contributions. You also may not receive Earnings Transactions if your sole proprietorship is connected in any way to another business involved in illegal activity or goods, for example cannabis, even if no Earnings relate to that business. Cash App may also prohibit other businesses at its sole discretion without prior notice.

Supporting quotations

Except where prohibited by law, you may not receive Earnings Transactions for the following businesses or business activities:

(15) betting, including lottery tickets, sports related gambling, casino gaming chips, off-track betting, and wagers at races

(29) collecting funds for political contributions

In addition, you may not receive Earnings Transactions if your sole proprietorship is connected in any way to any other business that conducts illegal activities, sells illegal goods, or facilitates the sale of illegal goods, for example, cannabis, even if you do not receive Earnings Transactions in relation to that specific business.

We may, in our sole discretion and without prior notice to you, prohibit the use of the Earn in P2P Service in connection with other businesses or business activities.

Charges & Financial Obligations · Company practice

No current fee to receive Earnings, but Cash App may add fees with reasonable notice

Cash App does not currently charge fees to receive Earnings Transactions but may start charging fees upon reasonable advance notice, subject to these terms.

Supporting quotations

We do not currently charge fees in connection with the receipt of Earnings Transactions. Subject to these Cash App Terms, we reserve the right to charge fees upon reasonable advance notice.

Charges & Financial Obligations · Permission or license

Cash App can hold Earnings in a Reserve, fund it from your accounts, and take a security interest

Cash App may withhold funds by suspending or delaying Earnings Transactions, or require you to keep an amount in your balance or a separate reserve account ("Reserve") to secure your obligations. The Reserve can also be used to meet holds or remittances required by creditors or governments, such as levies, liens or garnishments. Cash App may require a Reserve for any reason related to your Earnings, in an amount it reasonably decides covers potential losses, and may raise, reduce or remove it at any time in its sole discretion. If the Reserve is short, Cash App may fund it from any funding source tied to your account, including funds you transfer, funds due to you, or your linked bank account or payment instrument. You grant Cash App a security interest and lien on Reserve funds and authorize withdrawals from the Reserve or any linked bank account without prior notice to collect what you owe.

Supporting quotations

We may withhold funds by temporarily suspending or delaying Earnings Transactions and/or designate an amount of funds that the you must maintain in your Cash App Balance or in a separate reserve account (a “Reserve”)

The Reserve may also be used to satisfy the Company’s obligations to hold or remit funds as required by any creditor or governmental authority, including levies, liens, or garnishments.

We may require a Reserve for any reason related to your receipt of Earnings Transactions.

The Reserve may be raised, reduced or removed at any time by the Company, in its sole discretion

If you do not have sufficient funds in its Reserve, we may fund the Reserve from any funding source associated with the your Cash App Account

You grant us a security interest in and lien on any and all funds held in any Reserve, and also authorize us to make any withdrawals or debits from the Reserve or any bank account linked to your Cash App Account, without prior notice to the Business, to collect amounts that you owe us.

Charges & Financial Obligations · Restriction or exception

Sellers bear all liability when customers or card networks reverse Earnings payments

A customer may contest an Earnings Transaction, for example if they were not the authorized cardholder. The amount can be reversed or charged back to your account if the transaction is disputed; reversed for any reason by American Express, Discover, Mastercard, Visa, Cash App's processor, or the customer or its bank; unauthorized or believed unauthorized; or allegedly unlawful, suspicious or in violation of these terms. You must follow the chargeback process and take on all liability for chargebacks.

Supporting quotations

There may be times when your customer may contest an Earnings Transaction

the amount of a transaction may be reversed or charged back to your account (a “Chargeback”) if the transaction (a) is disputed

You will comply with the Chargeback process and assume all liability associated with such Chargebacks.

Charges & Financial Obligations · Permission or license

Cash App can debit your balance for chargebacks, hold likely-chargeback funds, and collect legal costs

You authorize Cash App to recover any chargeback amount plus network or processor fees, fines or penalties, including by debiting your Cash App Balance. If Cash App reasonably believes a chargeback is likely, it may withhold that amount from payments due to you until a chargeback is assessed (then it keeps the funds), the customer's dispute period expires, or it decides no chargeback will occur. If it can't recover a chargeback you owe, you must pay the full amount immediately on demand, plus collection costs including attorneys' fees.

Supporting quotations

You authorize us to recover from you the amount of any Chargeback and any associated fees, fines, or penalties assessed by a Network or our processor, including by debiting your Cash App Balance.

if we reasonably believe that a Chargeback is likely with respect to any transaction, we may withhold the amount of the potential Chargeback from payments otherwise due to you until such time that

If we are unable to recover funds related to a Chargeback for which you are liable, you agree to pay us the full amount of the Chargeback immediately upon demand.

You agree to pay all costs and expenses, including attorneys’ fees and other legal expenses, incurred by us for the collection of all amounts unpaid by you.

Charges & Financial Obligations · Permission or license

Excessive chargebacks can bring new fees, delayed payouts, a Reserve or loss of Earn in P2P

If Cash App believes you might incur or are incurring excessive chargebacks, it may set extra conditions on your Earnings Transactions: new processing fees, delayed payouts, suspension or termination of Earn in P2P, or a Reserve it reasonably sets to cover expected chargebacks and fees.

Supporting quotations

If we believe you might incur, or are incurring, an excessive amount of Chargebacks, we may establish additional conditions governing your use of Earnings Transactions, including (a) establishing new processing fees, (b) delaying payouts, (c) terminating or suspending the Earn in P2P Service; or (d) creating a Reserve in an amount reasonably determined by us to cover anticipated Chargebacks and related fees.

Charges & Financial Obligations · Procedure

You must help contest chargebacks within 15 days; Cash App may share data and use your uploads

When asked, you must help Cash App investigate Earn in P2P transactions. You permit Cash App to share chargeback information with the customer, their bank, the card network and your own bank to investigate or mediate. Cash App may use any Content you uploaded to respond to chargebacks for you. If the dispute is not resolved in your favor or you choose not to contest it, Cash App may recover the amount and fees. Not providing needed documents within 15 days of a request may make the chargeback irreversible. Cash App may charge a fee for mediating or investigating disputes after notifying you.

Supporting quotations

You will assist us when requested, at its expense, to investigate any of its transactions processed through the Earn in P2P Service.

you permit us to share information about a Chargeback with the customer, the customer’s financial institution, the Network, and the Business’s financial institution in order to investigate and/or mediate a Chargeback.

We may also use any Content uploaded through the Services to respond to Chargebacks on your behalf.

including providing necessary documentation within fifteen (15) days of our request, may result in an irreversible Chargeback.

We reserve the right, upon notice to you, to charge a fee for mediating and/or investigating Chargeback disputes.

Not stated here

"At its expense" is ambiguous about whether the seller or Cash App bears the cost of assisting.

Account & Service Control · Restriction or exception

No reselling, processing for others, or cash advances through Earn in P2P

You may not act as a payment facilitator, resell Earn in P2P to anyone, use it to handle or transmit funds for any third party, or use it to process cash advances.

Supporting quotations

You will not act as a payment facilitator or otherwise resell any of the Earn in P2P Services to any third party.

You will not use the Earn in P2P Service to handle, process or transmit funds for any third party. You also may not use the Earn in P2P Service to process cash advances.

Sharing & Disclosure · Permission or license

Cash App may refuse harmful transactions and share suspected-illegal account data with law enforcement

You may only accept payments for lawful transactions. Cash App may decline to authorize or settle any transaction it believes violates its terms or exposes you, your customers, other sellers, its processors or itself to harm, including fraud and crime. If Cash App suspects your account was used for an unauthorized, illegal or criminal purpose, you expressly authorize it to share information about you, your account and transactions with law enforcement and, as it deems necessary, its payment processing and financial partners, under applicable law.

Supporting quotations

You will only accept payments for transactions that are allowed by applicable law.

We may decide not to authorize or settle any transaction submitted to us if we believe that the transaction is in violation of these Cash App Terms

If we suspect that your Cash App Account has been used for an unauthorized, illegal, or criminal purpose, you give us express authorization to share information about you, your Cash App Account, and any associated transactions with law enforcement

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.

Charges & Financial Obligations · Restriction or exception

Sending above your limits requires more ID; Cash App may set and change limits at will

Cash App will require more identification if you want to send more than your limits, in one transaction or several. It may impose transaction limits over any period and over the life of your account, subject to some restrictions, and may adjust them at any time at its discretion.

Supporting quotations

We will require you to provide us with additional identification information if you wish to send more than your limits in any one transaction or in multiple transactions.

We may impose transaction limits over any period of time and over the lifetime of your account, subject to some restrictions. We may adjust these limits at any time at our discretion.

Not stated here

The actual P2P limit amounts are not stated in the terms.

Charges & Financial Obligations · Company practice

P2P sends are free except credit-card funded ones; fees can change with reasonable notice

There are currently no fees to send money with the Peer-to-Peer Service unless you fund it with a credit card; that fee is shown at the time of the transaction (the Section I fee list states 3%). Cash App may add or change P2P fees at any time with reasonable notice.

Supporting quotations

There are currently no fees for sending funds using the Peer-to-Peer Service unless you are sending funds using a credit card.

The fee for sending funds using a credit card for the Peer-to-Peer Service will be displayed at the time of the transaction.

We reserve the right to charge for or change the fees associated with use of the Peer-to-Peer Service at any time with reasonable notice, subject to these Cash App Terms.

Charges & Financial Obligations · Restriction or exception

Cash App need not stop or recover misdirected payments; unclaimed payments cancel after 15 days

Whether Cash App can stop or cancel a P2P payment depends on how it was started and whether processing has begun. Cash App is not required to stop, cancel or recover money sent to the wrong person. P2P payments not claimed within 15 days after processing began are canceled automatically. Cash App will try to return unclaimed, refused, refunded, prohibited or denied payments to your balance or Linked Account, or otherwise by reasonable means the law allows.

Supporting quotations

Our ability to stop or cancel a P2P Payment Instruction depends on how the Payment Instruction was initiated, and whether the Payment Instruction has begun processing.

We are not required to stop, cancel, or recover funds associated with a misdirected Payment Instruction.

P2P Payments not claimed by a Recipient fifteen (15) days after the processing has begun will be canceled automatically.

We will attempt to return any unclaimed, refused, refunded, prohibited, or denied P2P Payment to your Cash App Balance or Linked Account, as applicable.

Charges & Financial Obligations · Permission or license

Cash App can claw back received payments it deems invalid, from your balance or linked account

If Cash App later decides in its sole discretion that a P2P payment you received was invalid for any reason, you authorize it to take an equal amount from your Cash App Balance or Linked Account. Cash App is not liable for any P2P payments you receive, whether or not you authorized the sender.

Supporting quotations

If you receive a P2P Payment and we later determine in our sole discretion that the P2P Payment was invalid for any reason, you hereby authorize us to move funds from the applicable Cash App Balance or Linked Account in an amount equal to the P2P Payment.

You acknowledge and agree that we will not be liable in any way for any P2P Payments that you may receive, regardless of whether you authorized the Sender to send them to you.

Qualifications & exceptions

The clawback can be taken from a Linked Account, not only the Cash App Balance.

Charges & Financial Obligations · Context

Scams can cost you money with no recourse

Cash App warns users to watch for fraud and scams. It says it tries to identify and reduce scams but that scams may result in losing your funds with no recourse. Section XII covers errors and unauthorized transactions.

Supporting quotations

While we make efforts to identify and reduce the impact of scams on our customers, you should be aware and vigilant that scams may result in the loss of your funds with no recourse.

See Section XII, Transaction Information and Disputes for more information regarding errors and unauthorized transactions on your account.

Qualifications & exceptions

Section XII separately gives rights for errors and unauthorized transactions; payments you authorized yourself to a scammer are generally not covered by those rights.

Account & Service Control · Restriction or exception

Teens can send, receive and join Pools; Children can only receive from sponsor-approved senders

Authorizing a Teen's Sponsored Account lets the Teen send and receive P2P payments, including participating in Pools; you can withdraw or limit this at any time. Authorizing a Child's account lets the Child receive money only from senders you select; Child accounts cannot send P2P payments.

Supporting quotations

By authorizing a Sponsored Account for a Teen, you authorize the Teen to send and receive funds using the Peer-to-Peer Service, including participation in Pools. You may withdraw or limit this authorization at any time from your Account.

By authorizing a Sponsored Account for a Child, you authorize the Child to receive funds from Senders selected by you using the Peer-to-Peer Service. Sponsored Accounts for Children will not have the ability to use the Peer-to-Peer Service to send funds.

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.

Account & Service Control · Restriction or exception

Cards may be virtual or physical; custom designs may cost extra and can be rejected

Your Cash App Card may be virtual, physical or both; a physical card must be activated as directed. You may be able to design your own card, possibly for an extra fee. Cash App may reject designs, signatures or card applications for any reason, including inappropriate content, others' intellectual property, or ink-intensive designs.

Supporting quotations

Your Cash App Card may be virtual and/or physical. If you receive a physical Cash App Card, you will need to follow the directions provided by the Company to activate your card prior to use.

If you choose to redesign your card, we may charge an additional fee. We reserve the right to reject designs or signatures and card applications for any reason.

Prohibited designs or signatures include, but are not limited to, designs or signatures that depict inappropriate subject matter, the intellectual property rights of others, or an ink-intensive design.

Account & Service Control · Permission or license

Your card PIN is your Cash PIN; Cash App can cancel or revoke the card without notice

Your card PIN is the Cash PIN you set, which you can reset in the app. Cash App may cancel, repossess or revoke your card at any time without prior notice at its discretion, subject to applicable law, including for a prohibited signature.

Supporting quotations

Your personal identification number (“PIN”) will be the code you set as your Cash PIN, and you may reset the PIN in the Cash App.

Your card may be canceled, repossessed, or revoked at any time without prior notice at our discretion (including for depicting a prohibited signature) subject to applicable law.

Charges & Financial Obligations · Procedure

Card purchases are funded from your Cash App Balance

You can use your Cash App Card for merchant purchases with available funds in your Cash App Balance. Activating the Prepaid Card instructs Cash App to load your Card Account from your balance for purchases; activating the Debit Flex Card lets Cash App draw from your balance for your card purchases.

Supporting quotations

Your Cash App Card may be used to make purchases with a merchant using any available amounts in your Cash App Balance.

Upon activating the Service for the Prepaid Card, you instruct the Company to use the available funds in your Cash App Balance to load your Card Account

Upon activating the Service for the Debit Flex Card, you agree that we can draw funds from your balance with your Debit Flex Card for purchases that you make with your Cash App Card.

Account & Service Control · Permission or license

Teens can get and use cards without sponsor approval; Children’s cards need sponsor action and have limits

Authorizing a Teen's Sponsored Account expressly lets the Teen request, receive, activate and use a Cash App Card, and add it to a Cash App Tag, without your further approval; these actions are treated as made at your direction and with your consent. If you authorize a Child's account and order a card, the Child may transact with it, including via a Tag, subject to the Sponsored Account limits; the Child may have little or no ability to request or activate a card or add it to a Tag, and these actions may need your direction or approval.

Supporting quotations

By authorizing a Sponsored Account for a Teen, you expressly authorize the Teen to request, receive, activate, and use a Cash App Card

Any such request, receipt, activation or use by the Teen will be deemed to have been made at your direction and with your consent.

By authorizing a Sponsored Account for a Child and ordering a Cash App Card, you authorize the Child to conduct transactions with the Cash App Card, including through the use of a Cash App Tag

The Child may have limited or no independent ability to request or activate a Cash App Card, including adding the Child’s Cash App Card to a Cash App Tag. Any such actions may require your direction or approval.

Charges & Financial Obligations · Restriction or exception

You may not spend beyond your balance with the card; Cash App can recover any negative balance

Except for Afterpay on Cash App Card transactions, you can only use your Cash App Card to the extent your Cash App Balance supports the transaction. You agree not to spend beyond your available funds, and if you do, Cash App can recover any resulting negative balance.

Supporting quotations

Except for Afterpay on Cash App Card Transactions, you can only make transactions using your Cash App Card to the extent that you have funds in your Cash App Balance to support those transactions.

If you do make a purchase or other transaction that exceeds the funds available in your Cash App Balance, you agree that we can recover any negative balance incurred.

Qualifications & exceptions

Free Overdraft Coverage (Section VI.5), where enrolled, separately allows card purchases up to the overdraft limit and is non-recourse; this paragraph names only Afterpay as an exception.

Cross-references

contrast (model-proposed): Optional Free Overdraft Coverage lets eligible users overdraw up to $200 on card purchases only — contrast: The card section names only Afterpay as an exception to spending within your balance, while Free Overdraft Coverage separately permits overdrawn card purchases up to a limit for enrolled customers.

Charges & Financial Obligations · Restriction or exception

Card spending and withdrawal limits apply across all your cards and can be tightened at any time

Card limits are posted on a Cash App help page. As far as the law allows, Cash App may limit the number or amount of card spending or withdrawals, limit, block or hold certain transaction types, and limit or block transactions with particular merchants. ATM and terminal operators may set lower limits. To protect your card Cash App may temporarily impose limits on amount, number and type of transactions. If you have more than one Cash App Card, the limits are calculated across all of them, regardless of issuer, except cards you authorize for a Sponsored Person.

Supporting quotations

There are limits associated with your Cash App Card, which are available

To the extent permitted by applicable law, Cash App may impose limits on the number or dollar amount of your spending or withdrawals that can be made on the Cash App Card

ATM, POS, and other electronic terminal operators may impose their own lower limits.

If you have more than one Cash App Card, the transaction limits linked above will be calculated across all of your Cash App Cards, regardless of the card issuer, with the exception of Cash App Cards you authorize for a Sponsored Person.

Not stated here

The actual card limits are on a linked help page and are not stated in the terms.

Charges & Financial Obligations · Restriction or exception

You cannot stop payment on a card transaction

You have no right to stop payment on a transaction made with your Cash App Card.

Supporting quotations

You do not have the right to stop payment on a transaction originated with your Cash App Card.

Security & Safeguards · User right or choice

Lock Card blocks new card transactions but not pending ones or your Tag

You can disable your card with the in-app "Lock Card" feature to prevent future transactions; pending transactions started before locking still process. You must select "Unlock Card" to use it again. You are responsible for preventing unauthorized locking and unlocking on your device, and Cash App may treat unauthorized lock activity as invalid in its sole discretion. Locking your card does not lock your Cash App Tag, which has its own "Lock Tag" feature.

Supporting quotations

To prevent future transactions from your Cash App Card, you may disable your Cash App Card using Cash App’s “Lock Card” feature within the Cash App.

Use of this feature will not prevent processing of pending transactions initiated prior to disabling your Cash App Card.

You are responsible for preventing unauthorized disabling and enabling activity on your device relating to your Cash App Card.

Locking your Cash App Card does not lock your Cash App Tag.

Account & Service Control · Permission or license

Cash App may suspend or cancel your card at its sole discretion; funds return unless held for investigation

Cash App may suspend or cancel your Cash App Card at its sole discretion and will tell the issuing bank if it decides you are no longer eligible. An ineligible card may be canceled at any time without notice under the Card Terms. Your funds will be returned to you unless they are subject to an investigation into suspected unlawful activity or the company must legally withhold them.

Supporting quotations

We may suspend access to or cancel your Cash App Card at our sole discretion.

If you are no longer eligible for your Cash App Card it may be canceled at any time without notice as detailed in the applicable Cash App Card Terms

your funds will be returned to you unless they are the subject of an investigation into suspected unlawful activity, or if the Company is otherwise required by law to withhold your funds.

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.

Charges & Financial Obligations · Context

Cash App Tag is a tap-to-pay accessory linked to your card, not a separate account or card

The Cash App Tag is a physical accessory, in various shapes and designs, linked to your Cash App Card so you can make contactless payments without presenting the card. It is not a separate account, stores no funds, holds no separate payment credential, and creates no separate contract. It works only while linked to an active Cash App Card. The Tag is governed by these terms, and card transactions, including those started with a Tag, remain governed by these terms and the Card Terms. The company makes the Tag; activating it is not issuing a payment card or account, and it is not a toy.

Supporting quotations

Cash App offers a physical payment accessory (the “Cash App Tag” or “Tag”) linked to your Cash App Card that allows you to make contactless card payments with merchants without presenting your physical Cash App Card.

The Cash App Tag does not constitute a separate account, does not independently store funds, does not create or contain a separate payment credential, and does not establish a separate contractual relationship. The Cash App Tag is only operable when linked to an active Cash App Card.

Your Cash App Card and any transactions processed through your linked Cash App Card, including transactions initiated by a Cash App Tag, remain governed by these Cash App Terms and the applicable Cash App Card Terms governing your Cash App Card.

The Cash App Tag is manufactured by the Company and activation of the Cash App Tag does not constitute issuance of a payment card or account. It is not designed, manufactured, or marketed as a toy or plaything.

Account & Service Control · Restriction or exception

Tags require an active card in good standing; you can link several but use one at a time

You need an active Cash App Card in good standing to request, activate and use a Tag. Tags are available only to Cash App Card customers and to Teens and Children through Sponsored Accounts, subject to any extra criteria Cash App sets. You order a Tag in the app and must activate and link it to your card before use. You can link several Tags to one card, but only one can transact at a time; you choose and switch using the Lock Tag feature.

Supporting quotations

You must have an active Cash App Card in good standing to request, activate, and use a Cash App Tag.

Cash App Tags are available only to Cash App Card customers and to Teens and Children through a Sponsored Account, subject to any additional eligibility criteria we may apply in our sole discretion.

Before a Cash App Tag can be used to initiate transactions, it must be activated and linked to your eligible Cash App Card in accordance with the instructions provided by Cash App.

You may possess and link multiple Cash App Tags to a single Cash App Card; however, only one Cash App Tag may be used to transact with a single Cash App Card at any given time.

Charges & Financial Obligations · Restriction or exception

Tag payments are treated as card transactions; Afterpay works via a Debit Flex-linked Tag

The Tag is only another way to use your Cash App Card: you tap it at merchant terminals where accepted. Tag transactions are authorized and captured as Cash App Card transactions and carry the same terms and limits. If your Tag is linked to a Debit Flex Card with Afterpay turned on, it can be used for Afterpay on Cash App Card transactions under the Afterpay Loan Agreements. You agree not to use a Tag beyond your available balance or in violation of the Card Terms, any Afterpay Loan Agreement, or these terms. Sponsored Account Tag use follows the Sponsored Account rules.

Supporting quotations

The Cash App Tag functions solely as an alternative means to use your Cash App Card.

Transactions made using a Cash App Tag are authorized and captured as Cash App Card transactions and are subject to the same terms, conditions, and limitations that apply to transactions made directly with your Cash App Card.

If your Cash App Tag is linked to a Debit Flex Card and Afterpay functionality is toggled on, the Cash App Tag can be used to make an Afterpay on Cash App Card Transaction

You agree not to initiate a transaction using a Cash App Tag in excess of the available funds in your Cash App Balance

Use of a Cash App Tag in connection with a Sponsored Account is subject to Section III.6 (Sponsored Accounts) and Section VIII.a.5 (Sponsored Accounts) of these Cash App Terms.

Qualifications & exceptions

The Sponsored Account cross-reference cites Section VIII.a.5, which in this document is "Payment Transaction Limits"; Sponsored Accounts appears as VIII.a.4.

Not stated here

The Afterpay Loan Agreements were not supplied.

Security & Safeguards · User right or choice

Lock Tag blocks new Tag transactions but not pending ones or your card

You can disable your Tag with the in-app "Lock Tag" feature; transactions started before locking still process, and you must choose "Unlock Tag" to use it again. You must prevent unauthorized locking and unlocking on your device, and Cash App may treat unauthorized activity as invalid. Locking your Tag does not lock your Cash App Card.

Supporting quotations

you may disable your Cash App Tag using Cash App’s “Lock Tag” feature within the Cash App.

Use of this feature will not prevent the processing of pending transactions initiated prior to disabling your Cash App Tag.

You are responsible for preventing unauthorized disabling and enabling activity on your device relating to your Cash App Tag.

Locking your Cash App Tag does not lock your Cash App Card.

Account & Service Control · Permission or license

Cash App may deactivate Tags; a canceled card deactivates its Tags; you can deactivate anytime

Cash App may suspend, restrict or deactivate your Tag at its discretion, including if the linked card is suspended, canceled or not in good standing. If your card is canceled, suspended or deactivated (other than for replacement), linked Tags are automatically deactivated; if your card is replaced or reissued, Tags may stay active and link to the new card. You can permanently deactivate a Tag in the app at any time, which unlinks it; transactions started earlier may still process.

Supporting quotations

We may suspend, restrict, or deactivate your Cash App Tag at our discretion, including if your linked Cash App Card is suspended, canceled, or no longer in good standing.

If your Cash App Card is canceled, suspended, or deactivated (other than in connection with a replacement or reissuance of your Cash App Card), any Cash App Tag linked to that Cash App Card will automatically be deactivated.

If your Cash App Card is replaced or reissued, any Cash App Tag linked to your previous Cash App Card may remain active and automatically link to your new Cash App Card.

You may permanently deactivate a Cash App Tag from your Cash App Card at any time within the Cash App.

Transactions initiated prior to deactivation may still be processed.

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.

Account & Service Control · Restriction or exception

Tag orders aren’t accepted until delivery; risk of loss passes to you on delivery

An order confirmation does not mean Cash App accepted your Tag order. Cash App may accept or decline the order for any reason after receiving it and may require more verification first. The order counts as accepted when the Tag is delivered, and title and risk of loss pass to you upon delivery to your address.

Supporting quotations

Your receipt of an electronic or other form of order confirmation does not signify the Company’s acceptance of your order.

We reserve the right at any time after receipt of your order to accept or decline your order for any reason.

Your order will be deemed accepted by the Company upon delivery of the Cash App Tag.

Title and risk of loss of each shipment of products will pass to you upon delivery to the address provided to the Company.

Charges & Financial Obligations · Context

Afterpay installment loans on Debit Flex purchases come from a lending partner under its own terms

For eligible Debit Flex Card customers, Cash App may arrange for a lending partner to offer installment loans for certain card purchases ("Afterpay Loans"). Any Debit Flex purchase made with the Afterpay toggle on is an Afterpay on Cash App Card Transaction. Applying for or taking a loan means agreeing to the lender's Afterpay Loan Agreements, which are between you and the lender and govern the loan if they conflict with these terms or the Card Terms.

Supporting quotations

For eligible customers with a Debit Flex Card, we may arrange for a lending partner to provide you with access to loans that will allow you to pay for certain Cash App Card transactions in installments (each, an “Afterpay Loan”).

Each Debit Flex Card transaction made with the Afterpay toggle on is an “Afterpay on Cash App Card Transaction.”

the applicable Afterpay Loan Agreements are between you and the lending partner, not the Company, and in the event of any inconsistency between these Cash App Terms or Cash App Card Terms and the applicable Afterpay Loan Agreements, the applicable Afterpay Loan Agreements shall govern the Afterpay Loan.

Not stated here

The Afterpay Loan Agreements, including any cost of credit, were not supplied.

Charges & Financial Obligations · Restriction or exception

Afterpay loans require U.S. residence, adulthood and lender criteria; Cash App can end access anytime

To qualify for Afterpay Loans you must be a U.S. resident, at least 18 and of age in your state, and meet the lender's criteria; the lender alone decides qualification. Missing past Afterpay payments or other adverse account activity may affect eligibility. Cash App or the lender may limit which card transactions qualify, Cash App may change or add requirements at any time, and Cash App may suspend or end your use of Afterpay at any time for any reason, including failure to repay.

Supporting quotations

To qualify for Afterpay Loans, you must (a) be a resident of the United States (b) be at least 18 years and the age of majority in your State of residence, and (c) meet any other eligibility criteria set forth in the Afterpay Loan Agreement.

Qualification for Afterpay Loans will be determined solely by criteria set by the lending partner.

failure to repay prior Afterpay Loans or other adverse activity on your Cash App account may impact your eligibility for an Afterpay Loan.

We or the lending partner may limit the types of Cash App Card transactions that qualify for an Afterpay Loan.

We may suspend, restrict or terminate your use of Afterpay on Cash App Card Transactions at any time for any reason in our discretion, including failure to repay an Afterpay Loan.

Charges & Financial Obligations · Context

Virtual currency terms cover individual use; values can drop suddenly, even to zero

Section IX governs individuals' use of the virtual currency services in Cash App. The terms warn that virtual currency values can change quickly and dramatically and may lead to sudden, substantial losses, including the entire value, so you should consider whether holding or trading it suits your financial situation.

Supporting quotations

This section governs your use as an individual of the Virtual Currency (as defined below) services offered through Cash App.

Value of virtual currency can change quickly and dramatically, and can result in sudden and substantial losses including loss of the entire value of the virtual currency.

Charges & Financial Obligations · Context

Key virtual currency terms: Hosted Balance is crypto you own that Cash App holds for you

Section IX defines its terms. "Virtual Currency" means bitcoin and other virtual currency bought, sold, saved and transferred in Cash App; "Virtual Currency Services" are those services. "Hosted Balance" is virtual currency you bought or deposited that you own and the company holds for your benefit. "Fiat Currency" means U.S. dollars. An "External Virtual Currency Address" is any wallet or account outside the service not run by the company. A "Supported Network" is any blockchain, second-layer protocol or other network Cash App makes available. "Bitcoin Auto-Withdrawal" is a recurring instruction to send bitcoin from your Hosted Balance to an approved "Auto-Withdrawal Address".

Supporting quotations

Defined terms will have the same meaning as those found elsewhere in the Cash App Terms, unless otherwise re-defined in this section.

"Auto-Withdrawal Address" means an External Virtual Currency Address associated with a wallet or service that Cash App has approved

"Bitcoin Auto-Withdrawal" means a recurring, automated instruction you configure to transfer bitcoin from your Hosted Balance to a designated Auto-Withdrawal Address on a schedule of your choosing.

“External Virtual Currency Address” means any Virtual Currency address, wallet, or account that is maintained outside of the Services, and is not owned, controlled, or operated by the Company.

“Fiat Currency” means U.S. dollars.

“Hosted Balance” means the Virtual Currency you have purchased for or deposited in your Virtual Currency Account (defined below) which you own and the Company holds for your benefit.

“Supported Network” means any blockchain network

“Virtual Currency” means bitcoin and other virtual currency that may be purchased, sold, saved and transferred using the Cash App.

“Virtual Currency Services” means the bitcoin and other virtual currency services available in Cash App.

Account & Service Control · Restriction or exception

Crypto requires an individual U.S. adult using it personally in the U.S.

To use the virtual currency services you need a Virtual Currency Account. To register you must have a Cash App Account, be an individual (not an entity) using the services for personal use, live in the United States, be at least 18 and of age in your state, use the services in the United States, and provide the required information.

Supporting quotations

To register for a Virtual Currency Account you must: (a) have an Account, (b) be an individual person, not an entity, using the Virtual Currency Services for personal use, (c) be a resident of the United States, (d) be at least 18 years, and the age of majority in your State of residence, or older, (e) use the Virtual Currency Services in the United States, and (f) have provided the information as discussed in the next section.

Data Access & Collection · Company practice

Crypto use may require extra data, including bank details, source of funds and employment

To use the virtual currency services you may have to give personal information beyond your Account Information, including name, address, phone, email, date of birth, taxpayer ID, government ID number, bank account details (institution, type, routing and account number), source of funds and employment information. You confirm the information is accurate and agree to update it if it changes.

Supporting quotations

you may be required to provide the Company with certain personal information in addition to the Account Information, including, but not limited to, your name, address, telephone number, e-mail address, date of birth, taxpayer identification number, government identification number, and information regarding your bank account (e.g., financial institution, account type, routing number, and account number), source of funds and employment information.

you verify that the information is accurate and authentic, and you agree to update the Company if any information changes.

Account & Service Control · Restriction or exception

Crypto services may be blocked in some states; no evading location limits

Cash App may not offer all virtual currency services everywhere and may restrict them in certain states, territories or jurisdictions ("Restricted Locations"). You must not try to use them from a Restricted Location or to get around restrictions, for example by hiding your IP address or giving false location information.

Supporting quotations

may restrict or prohibit use of all or a portion of the Virtual Currency Services from certain states, territories, or jurisdictions (“Restricted Locations”).

You must not attempt to circumvent any restrictions imposed via the Virtual Currency Services, such as by obscuring your IP address or submitting any inaccurate information regarding your location.

Not stated here

Which locations are restricted is not listed.

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.

Charges & Financial Obligations · Company commitment

You keep title to your crypto; Cash App holds it in custody, apart from its creditors

All virtual currency in your account is a custodial asset held by the company for your benefit. Title stays with you and never transfers to the company, which keeps records of the amount and ownership. Customers' virtual currency is not company property and is not subject to its creditors' claims. Except as required by law or provided in these terms, the company will not sell, transfer, lend, pledge or otherwise dispose of your virtual currency without your instruction.

Supporting quotations

All Virtual Currency held in your Virtual Currency Account are custodial assets held by us for your benefit. Title to all Virtual Currency in your Virtual Currency Account shall at all times remain with you and shall not transfer to us.

All interests in Virtual Currency we hold for customers are not Company property and are not subject to claims of our creditors.

Except as required by law, or except as provided herein, we will not sell, transfer, loan, hypothecate, or otherwise alienate any Virtual Currency in your Virtual Currency Account unless instructed by you.

Qualifications & exceptions

"Except as provided herein" includes forced sales to recover failed funding transfers and liquidations on account closure described elsewhere in these terms.

Charges & Financial Obligations · Restriction or exception

Bitcoin bought with uncleared funds can be locked 7–60 days and force-sold if funding fails

You can buy virtual currency with your Cash App Balance or an external funding source, subject to limits. Money pulled from an external source to buy bitcoin may be credited provisionally before it settles, and you may be allowed to buy right away. Bitcoin or balance obtained with such funds may face withdrawal or transfer restrictions for at least 7 days and up to 60 days. If the funding transfer is reversed or fails, you authorize Cash App to recover the amount and fees by debiting your balance and, if needed, selling your bitcoin or other assets at prevailing prices it determines, which may add fees and create taxable events you are responsible for. If that is not enough, you still owe the rest and your account may be restricted until you repay.

Supporting quotations

In order to complete a purchase transaction via the Virtual Currency Services, you may use funds available in your Cash App Balance, or you may fund the transfer from an external funding source, subject to applicable limits.

Any bitcoin or Cash App Balance obtained with such funds may be subject to withdrawal or transfer restrictions for a period of at least 7 days and in some cases as much as 60 days.

If a funding transfer is reversed or otherwise fails to settle, you authorize Cash App to recover the amount of that failed transfer, including any associated fees, by debiting your Cash App Balance and, if necessary, by selling bitcoin or other assets in your Cash App account

Any forced bitcoin sale will occur at prevailing market prices at the time of the sale as determined by Cash App in our sole discretion, and may result in additional fees.

Forced sales, liquidations, or other recovery actions may constitute taxable events, and you are responsible for any tax reporting obligations or tax liability that results.

If the proceeds of any sale or recovery action are insufficient to cover the balance due to us, you remain liable for the remaining amount, and your account access or account functionality may be restricted until the balance is repaid.

Charges & Financial Obligations · Procedure

A Buy order authorizes Cash App to purchase and debit the total including fees

When you submit a virtual currency purchase ("Buy"), you authorize Cash App to execute it for the amount you choose and to debit your Cash App Balance or external funding source for the total, including applicable fees.

Supporting quotations

When you submit a Virtual Currency purchase order (a "Buy") via the Virtual Currency Services, you authorize us to execute a Virtual Currency purchase transaction in the amount you instruct and debit your Cash App Balance or external funding source in the total amount of the Buy transaction, including any applicable fees.

Charges & Financial Obligations · Context

A Buy is a sale from Cash App to you and may never touch the blockchain

To buy, you choose an amount of virtual currency to buy from the company with U.S. dollars in your Cash App Balance and tap "Buy"; you need enough dollars in your balance first. A Buy is a sale from the company to you. Once complete, your Hosted Balance shows what you own, and title passes to you. A Buy does not necessarily involve the company broadcasting any transaction to a blockchain network.

Supporting quotations

You must have sufficient Fiat Currency in your Cash App Balance before submitting any “Buy” transaction. A “Buy” transaction is a sale from the Company to you.

All right to and title in the Virtual Currency bought will pass from the Company to you.

A Buy will not necessarily result in the Company broadcasting any transaction to a Virtual Currency network.

Charges & Financial Obligations · Procedure

Recurring bitcoin buys run at market price on your schedule and can pull from your Linked Account

You can set Recurring Buys at intervals you choose, authorizing Cash App to debit your Cash App Balance or Linked Account each time; if your balance is short, Cash App may debit your Linked Account. Recurring Buys are market orders placed at any time on the scheduled day at the then-effective Conversion Rate, which is Cash App's own buy price and may include a spread over the mid-market price. They may not happen at the same time each day and you may get no advance notice. Cash App may set minimums, retry, skip or cancel if funds are short, and may cancel or modify any Recurring Buy for any reason. You can cancel at any time.

Supporting quotations

If you set up a Recurring Buy, you authorize and instruct the Company to debit Fiat Currency from your Cash App Balance or Linked Account

If there are insufficient funds in your Cash App Balance to fund a Recurring Buy, you authorize us to debit Fiat Currency from your Linked Account to fund the Recurring Buy.

Recurring Buys will be placed as market orders at any time on the applicable day and will be executed at the then-effective Conversion Rate (defined below).

You may not receive prior notification of Recurring Buys before they occur.

You may cancel Recurring Buys at any time.

The Company may cancel or modify any Recurring Buy for any reason in its sole discretion.

You acknowledge that the Company may add a margin or “spread” between the quoted mid market price displayed on the Virtual Currency dashboard and the quoted buy or sell price

Charges & Financial Obligations · Procedure

Round Ups buy bitcoin with your card’s spare change when purchases settle

With Round Ups enabled, each Cash App Card purchase is rounded up to the next whole dollar when it settles (typically 1–3 days later, and the amount can change, such as when a tip is added), and Cash App debits that difference from your balance to buy bitcoin at the then-effective Conversion Rate. Bitcoin's price may differ by then. Cash App may set minimums and may cancel or modify any Round Up. You can disable Round Ups anytime, though pending ones may not be stoppable. If a Round Up results from an unauthorized card transaction, you can dispute it with Cash App Support.

Supporting quotations

If you set up and enable Round Ups, you authorize and instruct the Company to debit Fiat Currency from your Cash App Balance to purchase bitcoin on your behalf for the Round Up amount each time your Cash App Card is used.

Your Cash App Card transaction may settle 1-3 days after you use your Cash App Card.

You may disable Round Ups at any time, but we may be unable to stop pending Round Ups.

In the event that a Round Up is made as a result of an unauthorized Cash App Card transaction, you may submit a dispute to correct the Round Up by contacting

Charges & Financial Obligations · Procedure

Square sellers can auto-convert a share of daily sales to bitcoin; it can’t be sent back to Square

If you link a Square account and enable Square Bitcoin Conversions, Cash App debits a chosen percentage of your daily Square sales proceeds (up to limits it sets) each day and buys bitcoin at the then-effective Conversion Rate, without prior notice. Cash App and Square are both run by the company, which sets and may change eligibility without notice. You confirm the funds are personally yours and the bitcoin is for personal use. Once converted, funds cannot be sent back to Square. You can cancel or adjust in Square; the company may cancel for any reason.

Supporting quotations

You may be able to set up daily recurring Buy transactions to purchase Virtual Currency in Cash App using a percentage of the proceeds of sales from a linked Square Account (“Square Bitcoin Conversions”).

Cash App and Square are both operated by the Company.

By enabling this feature, you acknowledge that the funds used for Square Bitcoin Conversions are owned by you personally and the bitcoin purchased using Square Bitcoin Conversions and held in your Cash App Account is for your personal use only.

Once the funds are converted to bitcoin in your Cash App Account, they cannot be sent back to your Square Account.

The Company may cancel Square Bitcoin Conversions for any reason in its sole discretion.

Not stated here

The Square terms of service referenced for these transactions were not supplied.

Charges & Financial Obligations · Restriction or exception

Cash App does not guarantee you can buy crypto later

The company does not guarantee that Buy transactions will be available, and buying virtual currency once does not guarantee you can buy supported virtual currency from it later.

Supporting quotations

The Company does not guarantee the availability of “Buy” transactions, and the act of purchasing Virtual Currency from the Company does not result in a guarantee that you may purchase supported Virtual Currency from the Company at a later time.

Charges & Financial Obligations · Company commitment

Cash App aims to settle Buys within two days, using commercially reasonable efforts

Cash App will use commercially reasonable efforts to complete Buy transactions within two days of when you start them.

Supporting quotations

We will use commercially reasonable efforts to complete transactions within two days of the date upon which you have initiated a “Buy” transaction via the Virtual Currency Services.

Qualifications & exceptions

This is an efforts commitment, not a guarantee.

Charges & Financial Obligations · Restriction or exception

Crypto withdrawals to outside wallets are irreversible; you bear the risk of wrong addresses

You can send virtual currency from your Hosted Balance to an outside wallet address, less fees. You alone are responsible for accurate instructions; Cash App is not liable for delay or loss from a withdrawal carried out as you instructed. Verify the address first: withdrawals cannot be reversed or refunded once initiated. Cash App does not control the blockchain networks and cannot guarantee they confirm or execute the transaction correctly.

Supporting quotations

You may transfer Virtual Currency, up to the total amount of Virtual Currency from your Hosted Balance to an External Virtual Currency Address, minus the fees detailed below

You are solely responsible for providing accurate instructions and directions for any Virtual Currency Withdrawal, and we are not liable to you or any third party for any delay or loss incurred from a Virtual Currency Withdrawal executed according to your instructions.

Virtual Currency Withdrawals may not be reversed or refunded once they have been initiated.

We do not have control over any Supported Network for any Virtual Currency Withdrawal and cannot guarantee that the Supported Network will confirm the transaction or execute it correctly.

Charges & Financial Obligations · Restriction or exception

Only supported coins can be deposited; Cash App isn’t responsible for erroneous or delayed deposits

You can deposit virtual currency from an outside wallet into your Hosted Balance, less fees and subject to these terms. Only supported virtual currencies may be deposited, and deposits must follow the receiving wallet's protocols. The sender is solely responsible for executing the deposit correctly, including network fees. Cash App is not responsible for erroneous or delayed deposits for any reason, and deposits may be delayed until the network gives the required confirmations.

Supporting quotations

You may transfer Virtual Currency from an External Virtual Currency Address to your Hosted Balance, minus the fees detailed below and subject to the restrictions in these terms (a “Virtual Currency Deposit”).

Only supported Virtual Currencies may be deposited with Cash App, and any Virtual Currency Deposit you initiate must conform to the protocols of the receiving Virtual Currency wallet.

We are not responsible for any erroneous or delayed Virtual Currency Deposit for any reason, including erroneous instructions or address information.

We are not responsible for delay or loss associated with any attempted transfer transaction of unsupported Virtual Currencies

Charges & Financial Obligations · Permission or license

Cash App may cap crypto transfers and charge fees shown before you confirm

Cash App may in its sole discretion limit the size, type or manner of virtual currency transfers, such as a total transfer limit. It may charge fees for deposits or withdrawals, including network fees, shown to you at or before confirmation.

Supporting quotations

We may, in our sole discretion, impose limitations or restrictions on the size, type, or manner of any transfer transactions, such as a limit on the total amount of Virtual Currency that may be transferred.

We may charge fees for Virtual Currency Deposits or Virtual Currency Withdrawals, including fees imposed by the relevant Supported Network if applicable, which will be shown to you at or prior to your confirmation of the transaction.

Charges & Financial Obligations · Restriction or exception

You bear value losses while crypto transfers are pending; Cash App won’t fix initiation errors

Once a withdrawal or deposit is submitted to the network it stays pending until confirmed, which can take varying time, and it is not complete while pending. Pending withdrawal amounts are not available in your Hosted Balance; a failed withdrawal returns to your Hosted Balance. You bear the risk of value loss if receipt is delayed and the price drops. Cash App is not responsible for delays or losses from errors in starting a transfer and has no obligation to help fix them.

Supporting quotations

A Virtual Currency Withdrawal or Virtual Currency Deposit is not complete while it is in a pending state.

If your attempted Virtual Currency Withdrawal over a Supported Network fails, the relevant Virtual Currency amount will remain in your Hosted Balance.

You bear the risk of loss of value once you have initiated a transfer transaction to or from your Hosted Balance in the event that the receipt of virtual currency is delayed and the value of virtual currency decreases during the period of delay.

We are not responsible for delays or loss incurred as a result of any errors in the initiation of a transfer transaction and have no obligation to assist in the remediation of such transactions.

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.

Charges & Financial Obligations · Restriction or exception

Selling crypto is a sale to Cash App at a market-dependent price; sales aren’t guaranteed

To sell, you choose an amount from your Hosted Balance and tap "Sell"; if selling is available, the company buys it from you and deposits the dollar value in your Cash App. The price can vary with market factors, including price and the volume you are selling. The company does not guarantee that Sell transactions will be available or that you will be able to sell your holdings, now or later.

Supporting quotations

In the event the “Sell” feature is available, the Company will then purchase such amount of Virtual Currency from you and deposit the value of Virtual Currency in your Cash App as Fiat Currency.

The price you receive for any Virtual Currency sold to the Company may vary based on market factors, including the price and volume of the Virtual Currency you are attempting to sell.

The Company does not guarantee the availability of “Sell” transactions, or your ability to sell Virtual Currency held in your Hosted Balance.

Charges & Financial Obligations · Context

In-app bitcoin transfers are off-chain, custodied by Cash App, and auto-accepted after the first

Cash App may let you send bitcoin to other Cash App customers in the app. These transfers are "off-chain": they are not broadcast to the bitcoin network or recorded on the public ledger, and all bitcoin moved this way stays in the company's custody. Transfers only complete between Virtual Currency Accounts; if the recipient doesn't open one within the required time, the transfer is voided and the bitcoin returned. After you accept one P2P bitcoin transfer, later ones to you complete automatically into your Hosted Balance.

Supporting quotations

P2P Bitcoin Transactions are “off-chain” transactions facilitated by the Company. As such they are not broadcast to the bitcoin network and will not be reflected on the public ledger. All bitcoin transferred via P2P Bitcoin Transactions are custodied by the Company.

If the recipient fails to open a Virtual Currency Account for any reason within the required period of time, the attempted P2P Bitcoin Transaction will be voided and the bitcoin returned to your account.

Once you accept a P2P Bitcoin Transaction, any subsequent P2P Bitcoin Transaction to you will be automatically completed into your Hosted Balance.

Not stated here

The "required period of time" for a recipient to open a Virtual Currency Account is not stated.

Charges & Financial Obligations · Restriction or exception

P2P bitcoin sends are in bitcoin, not dollars; fraud losses and value drops aren’t reimbursed

Cash App may charge or change fees for P2P bitcoin transfers (shown before you confirm) and impose limits at its sole discretion. Fraudulent transactions may cost you virtual currency with no recourse. You must give accurate instructions; Cash App is not responsible for transfers made on inaccurate or incomplete instructions. Transfers are made in bitcoin (satoshis); any dollar estimate uses the current Conversion Rate and is not a promise of the bitcoin amount, so check the bitcoin amount shown before sending. Cash App does not guarantee dollar value, and recipients are not reimbursed if received bitcoin loses value.

Supporting quotations

We reserve the right to charge for or change the fees associated with P2P Bitcoin Transactions at any time subject to these Virtual Currency Terms.

We may impose transaction limits on P2P Bitcoin Transactions in our sole discretion. Fraudulent transactions may result in the loss of Virtual Currency with no recourse.

the Company is not responsible for any P2P Bitcoin Transactions facilitated based on inaccurate or incomplete instructions.

All estimated denominations of P2P Bitcoin Transactions in dollars are based on the then-effective Conversion Rate and are not a guarantee or promise of the amount of bitcoin that will be transferred.

Bitcoin received via P2P Bitcoin Transaction may lose value, and recipients will not be reimbursed for such losses.

Charges & Financial Obligations · Permission or license

Cash App can charge and change crypto fees at any time, even without notice

Cash App may charge fees for virtual currency transactions, including purchases, sales, transfers and network transactions. You agree to pay the fees shown at or before you confirm. Cash App may change these fees at any time, with or without notice.

Supporting quotations

We may charge fees for Virtual Currency transactions within Cash App, including any purchase, sale, transfer, or transaction on any Supported Network.

For any transaction you initiate, you agree to pay the fees shown to you at or prior to you confirming the transaction. We may change the fees at any time, with or without notice to you.

Charges & Financial Obligations · Company practice

You buy and sell at Cash App’s own rate, which may include a spread over market price

All buys and sells use the company's "Conversion Rate": the dollar price shown in the app after you choose Buy or Sell, at which you buy from or sell to the company. The company may add a margin or spread between the mid-market price on the dashboard and its buy or sell price, so buy and sell prices can differ. Accepting the Conversion Rate as the only conversion measure is a condition of trading, though you are never obliged to accept an offered price.

Supporting quotations

“Conversion Rate” means the price of Virtual Currency in terms of Fiat Currency as displayed in the Cash App once you have selected “Buy” or “Sell”

You acknowledge that the Company may add a margin or “spread” between the quoted mid market price displayed on the Virtual Currency dashboard and the quoted buy or sell price

You agree, as a condition of buying or selling Virtual Currency through the Cash App, to accept the Conversion Rate as the sole conversion metric. You have no obligation to accept the offered buy or sell price for Virtual Currency in the Cash App.

Not stated here

The size of the spread is not disclosed in the terms.

Charges & Financial Obligations · Restriction or exception

Crypto can lose all value; Cash App makes no timing promises and disclaims protocol and price liability

Virtual currency values can swing enough to wipe out the entire value of your Hosted Balance. The company's supply to sell you, and its ability to buy or transfer your holdings, depend on third-party providers outside its control, so it makes no promises on timing of buys, sells or transfers. It does not own or control the underlying protocols, disclaims all liability for them and for price fluctuations, and gives no guarantees on their security, function or availability.

Supporting quotations

VIRTUAL CURRENCY VALUES CAN FLUCTUATE SUBSTANTIALLY WHICH MAY RESULT IN A TOTAL LOSS OF THE VALUE OF THE VIRTUAL CURRENCY IN YOUR HOSTED BALANCE.

THEREFORE, THE COMPANY MAKES NO PROMISES AS TO TIMING OF VIRTUAL CURRENCY PURCHASES, SALES, AND TRANSFERS.

ACCORDINGLY, THE COMPANY DISCLAIMS ALL LIABILITY RELATING TO SUCH PROTOCOLS AND ANY PRICE FLUCTUATIONS IN VIRTUAL CURRENCY, AND MAKES NO GUARANTEES REGARDING THE SECURITY, FUNCTIONALITY OR AVAILABILITY OF SUCH PROTOCOLS.

Charges & Financial Obligations · Permission or license

On a blockchain fork Cash App may pause and choose which branch, if any, to support

The underlying protocols can suddenly change their rules ("forks"), which may affect a currency's value, function or name. In a fork, Cash App may temporarily suspend operations with or without notice and decide in its sole discretion whether to support either branch. It takes no responsibility for an unsupported branch.

Supporting quotations

IN THE EVENT OF A FORK, YOU AGREE THAT WE MAY TEMPORARILY SUSPEND OPERATIONS (WITH OR WITHOUT ADVANCE NOTICE TO YOU) AND THAT WE MAY, IN OUR SOLE DISCRETION, DECIDE WHETHER OR NOT TO SUPPORT (OR CEASE SUPPORTING) EITHER BRANCH OF THE FORKED PROTOCOL ENTIRELY.

THE COMPANY ASSUMES ABSOLUTELY NO RESPONSIBILITY WHATSOEVER IN RESPECT OF AN UNSUPPORTED BRANCH OF A FORKED PROTOCOL.

Charges & Financial Obligations · Restriction or exception

You accept all risks of system and network failures in crypto transactions

You accept all risks of using the virtual currency services, including failures of hardware, software, internet connections and the networks. Technical problems at the company may prevent you from accessing or using your virtual currency.

Supporting quotations

YOU ACCEPT ALL RISKS ASSOCIATED WITH THE USE OF THE VIRTUAL CURRENCY SERVICES TO CONDUCT VIRTUAL CURRENCY TRANSACTIONS

THE NATURE OF VIRTUAL CURRENCY MEANS THAT ANY TECHNOLOGICAL DIFFICULTIES EXPERIENCED BY THE COMPANY MAY PREVENT THE ACCESS OR USE OF YOUR VIRTUAL CURRENCY.

Charges & Financial Obligations · Permission or license

In market disruptions Cash App may freeze crypto trading, with no liability for your losses

Cash App is not liable for virtual currency price changes. During material market events or other circumstances, it may suspend access to the virtual currency services or stop you from taking actions, and it is not liable for your resulting losses. When services resume, prices, including the Conversion Rate, may be very different from before.

Supporting quotations

You agree that we are not liable for any price fluctuations in Virtual Currency.

In the event of material market events or other prevailing circumstances, we may do one or more of the following: (a) suspend access to the Virtual Currency Services; or (b) prevent you from completing any actions via the Virtual Currency Services. We will not be liable for any losses suffered by you resulting from such actions.

you acknowledge that prevailing market rates, including the Conversion Rate, may differ significantly from the rates available prior to such event.

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.

Charges & Financial Obligations · Context

Crypto is irreversible, uninsured, a hacking and fraud target, and may become worthless

The terms list risks of virtual currency: transactions are irreversible and fraud or accident losses may not be recoverable, with no company liability; it is not legal tender and has no deposit insurance, including FDIC; law and regulation changes may hurt its use or value; networks are run by unidentified private computers and you participate at your own risk; it is a fraud target, especially with outside addresses, and a hacking target even with strong security; linked bank accounts face higher hacking risk; some transactions count as made only when recorded on a public ledger; value depends on continued market willingness and can disappear permanently; acceptance today does not ensure acceptance later; volatility can cause large short-term losses; and any company bond or trust account may not cover all customer losses.

Supporting quotations

(a) Virtual Currency transactions are irreversible, and, accordingly losses due to fraudulent or accidental transactions may not be recoverable and the Company shall not be held liable for any fraudulent or accidental transactions

As such, there is no protection, such as deposit insurance (including FDIC insurance), to cover any losses associated with Virtual Currency

(f) Virtual Currency is a target for hackers and hacking can occur even when you use the strongest security settings and as such your Virtual Currency may be irretrievably stolen

(g) your bank accounts are at increased risk of being hacked when linked to Virtual Currency accounts

(l) any bond or trust account held by the Company may not be sufficient to cover all losses incurred by our customers.

Charges & Financial Obligations · Context

Missing or late transaction history doesn’t invalidate a crypto transaction

Virtual currency transactions appear in your Cash App history. A failure or delay in showing that information does not affect or invalidate the transaction.

Supporting quotations

Transaction information will be reflected in your transaction history in Cash App. You agree that a failure or delay in providing any such transaction information shall not prejudice or invalidate the terms of that transaction.

Charges & Financial Obligations · Permission or license

Cash App may refuse crypto transactions, set limits or turn trading off at any time without notice

At any time and in its sole discretion, Cash App may refuse any virtual currency purchase, sale or transfer, limit amounts, or impose other conditions without prior notice. It may make buying, selling or transferring unavailable at any time; pending requests are then canceled. If you lack enough funds for a purchase, it will not complete.

Supporting quotations

We may, at any time and in our sole discretion, refuse any transaction

impose any other conditions or restrictions upon your use of the Virtual Currency Services, without prior notice.

If the Virtual Currency Services are unavailable, any purchase, sale, or transfer requests you may have submitted for such Virtual Currency will be canceled.

If you have insufficient funds in your Cash App to purchase a requested amount of Virtual Currency via the Virtual Currency Services, you will not be able to complete the transaction.

Charges & Financial Obligations · Restriction or exception

You can’t cancel crypto buys, sells or transfers once submitted, except pending custom orders

You may not cancel, change or withdraw a virtual currency purchase, sale or transfer request once submitted. The exception is a VC Custom Order (a price-triggered order), which you may cancel any time before its trigger price is reached.

Supporting quotations

You may not cancel any purchase, sale or transfer requests via the Virtual Currency Services. Once you have submitted any such request, you may not change, withdraw, or cancel your authorization for us to complete such transaction.

Notwithstanding any prohibition on cancelations that may apply to the Virtual Currency Services in general, you may cancel your VC Custom Order at any time prior to the occurrence of the Trigger Event.

Qualifications & exceptions

Custom Orders are cancelable before their trigger (Section IX.14).

Charges & Financial Obligations · Permission or license

Cash App can delist a coin anytime; you get 30 days to move it out, then must contact support

The company decides which virtual currencies are available and may add or remove any of them at any time for any reason. It will make reasonable efforts to warn you of a likely removal. If a currency's market closes on Cash App, you have 30 days to transfer that currency to an outside address; after that it is not discarded, but you must contact Cash App Support to arrange withdrawal. The company is not liable for losses or costs from removing a currency.

Supporting quotations

may add or remove the availability of any Virtual Currency from the Virtual Currency Services at any time for any reason.

The Company will make reasonable efforts to notify you of the likely removal of a Virtual Currency.

If the market for a Virtual Currency is closed on the Cash App, you will have 30 days to transfer the amounts remaining in your Virtual Currency Account associated with such Virtual Currency to an External Virtual Currency Address.

Any Virtual Currency that is no longer supported within the Cash App, and is not withdrawn within 30 days, will not be discarded; however, you must contact Cash App Support to arrange withdrawal.

The Company will not be liable to you for any losses, liability or expenses related to the removal of a Virtual Currency.

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.

Charges & Financial Obligations · Permission or license

Cash App may limit or shut down crypto services at any time, without notice, with no responsibility

The company may, at its discretion, with or without notice and at any time, limit, suspend, modify or discontinue any part of the virtual currency services, temporarily or permanently, if it thinks this is necessary to protect itself, users or employees from danger or loss, or if law or court order requires. It is not responsible for consequences of refusing access, including delay, damage or inconvenience.

Supporting quotations

The Company may, in our discretion, with or without prior notice to you, and at any time, limit, suspend, modify, discontinue, either temporarily or permanently, any portion of our Virtual Currency Services

If we exercise our rights to limit or refuse your access to the Virtual Currency Services, we will not be responsible for any consequences of our refusal to give you access to the Virtual Currency Services, including any delay, damage or inconvenience you may suffer as a result.

Charges & Financial Obligations · Permission or license

Cash App can close your crypto account and liquidate your holdings, without explaining why

Cash App may suspend or terminate your Virtual Currency Account or access to the services at any time in its sole discretion. It will notify you but need not explain its decision. Where the law allows, it may liquidate all assets in your Virtual Currency Account at its sole discretion and is not responsible for resulting losses, including tax liabilities.

Supporting quotations

we may suspend or terminate your Virtual Currency Account or your access to any of the Virtual Currency Services at any time in our sole discretion.

If we suspend or terminate your Virtual Currency Account or your access to any of the Virtual Currency Services, we will provide you with notice of our actions. We are under no obligation to disclose the details of our decision to take such action with you.

To the extent permitted by applicable law, the Company may, in its sole discretion, liquidate all assets in your Virtual Currency Account.

The Company is not responsible for any losses caused by the liquidation of assets in your Virtual Currency Account pursuant to this paragraph, including any tax liabilities.

Charges & Financial Obligations · Permission or license

Cash App may freeze or reverse crypto transactions even after crediting them

Cash App may suspend, refuse, freeze, decline, delay, redirect or reverse any virtual currency transaction for any reason, even after funds or virtual currency were credited, including for suspected money laundering, fraud or illegal activity, in response to a subpoena or government order, or if it believes the transaction was erroneous. It does not guarantee you can redo the transaction at the same price or terms. You are responsible for reversals, chargebacks, claims, fees, fines and penalties caused by your breach of the terms or your use of the services. Cash App will notify you when it suspends, terminates or reverses a transaction.

Supporting quotations

We may suspend, refuse, freeze, decline, delay, redirect or reverse any transaction request, including purchase, sale, or transfer requests, for any reason, even after funds or Virtual Currency has been credited to your Virtual Currency Account

We do not guarantee that you will be able to reinitiate your transaction at the same price or on the same terms as the transaction that we did not process, or that was canceled or reversed.

you are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by us

If we suspend, terminate, or reverse any transaction request, we will provide you with notice of our actions.

Charges & Financial Obligations · Company practice

Bitcoin Boost turns card rewards into automatic bitcoin buys that may lose value

Cash App may offer eligible card holders a Bitcoin Boost: for eligible card purchases while a Boost is active, you receive a percentage (for example 1%) in dollars, up to a cap, which is automatically used to buy bitcoin for you. Boost Buys carry no fee, are market orders on the day at the then-effective Conversion Rate, may happen without notice and after a delay during which prices change, and depend on available bitcoin inventory. The bitcoin may be worth less than the boost amount, and such losses are not replaced. Cash App sets availability, amounts and eligibility, may cancel or modify any Boost Buy, and you can turn a Boost off in the app.

Supporting quotations

If you have activated a Bitcoin Boost, for any eligible transaction on the Cash App Card during the period of time when the Bitcoin Boost is active, you will receive the applicable boost percentage of the transaction amount (e.g. 1%) in Fiat Currency from the Company, up to any applicable maximum total boost amount

No fees will apply to Boost Buys.

You may end up with bitcoin of lower value than the original Boost Funds, and any such loss of value will not be replaced.

You may inactivate a Bitcoin Boost at any time in Cash App. The Company may cancel or modify any Boost Buy for any reason in its sole discretion.

Charges & Financial Obligations · Procedure

Custom Orders buy or sell bitcoin when Cash App’s own rate hits your trigger price

A VC Custom Order lets you set a Trigger Price, the bitcoin amount to buy or sell, and an expiration period; it expires if the price isn't reached in time, and you see a confirmation page with fees before submitting. When you place it, Cash App pulls the funds (from your Cash App Balance for a buy, or your Hosted Balance for a sell) including fees. A buy larger than your balance authorizes Cash App to Add Money from an external account; a sell cannot exceed your Hosted Balance. The order executes only when Cash App's Conversion Rate matches the Trigger Price, as Cash App determines in its sole discretion; prices on other exchanges don't count. While pending, the reserved funds or bitcoin don't appear in your balances; if canceled or expired they are returned with fees.

Supporting quotations

The Virtual Currency Custom Order (“VC Custom Order”) feature allows you to set a trading price (the “Trigger Price”)

The VC Custom Order will expire if the Trigger Price is not reached before the end of the expiration period.

If you initiate a VC Custom Order “Buy” in an amount that exceeds your current Cash App Balance, you authorize us to Add Money to your Cash App Balance from an External Account

You may not initiate a VC Custom Order “Sell” in an amount that exceeds your current Hosted Balance.

The Trigger Event is based exclusively on the Conversion Rate, and we will determine when the Trigger Price is reached in our sole discretion.

prices for Virtual Currency on other third party exchanges, markets, or otherwise are not considered or binding.

If your VC Custom Order is canceled or expires, the funds or Virtual Currency, together with any fees, will be returned to your Cash App Balance or Hosted Balance, as applicable.

Charges & Financial Obligations · Restriction or exception

You can cancel a Custom Order before it triggers; Cash App can cancel it anytime and outages are your risk

You may cancel a Custom Order any time before it triggers, despite the general no-cancellation rule. Cash App may cancel or modify any outstanding Custom Order at any time without notice and is not liable for losses from a cancellation. Custom Orders are advanced orders placed at your own risk; service outages, including third-party ones, may affect when you can place or cancel them, and Cash App is not liable if you can't.

Supporting quotations

Notwithstanding any prohibition on cancelations that may apply to the Virtual Currency Services in general, you may cancel your VC Custom Order at any time prior to the occurrence of the Trigger Event.

We may cancel or modify any outstanding VC Custom Order at any time without notice to you, in our sole discretion.

We will not be liable to you for any loss incurred as a result of the cancelation of your VC Custom Order.

If you choose to place a VC Custom Order, you agree you do so at your own risk.

We will not be liable to you in the event that you are not able to place or cancel your VC Custom Order as a result of such outage or interruption to Cash App’s service availability.

Cross-references

narrows (model-proposed): You can’t cancel crypto buys, sells or transfers once submitted, except pending custom orders — exception_to: VC Custom Orders may be canceled before their trigger, notwithstanding the general rule that virtual currency requests cannot be canceled once submitted.

Account & Service Control · Restriction or exception

Sponsors can enable crypto for Teens, never for Children

If your own Account is authorized for virtual currency services, you may enable them for a Teen's Sponsored Account. You may not enable them for a Child's Sponsored Account.

Supporting quotations

You may enable use of Virtual Currency Services for Sponsored Accounts for Teens, provided your Account is authorized for Virtual Currency Services. You may not enable use of Virtual Currency Services for Sponsored Accounts for Children.

Charges & Financial Obligations · Restriction or exception

Sponsors own a Teen’s crypto and bear its losses and taxes; sale proceeds belong to the Sponsored Account

You, not the Sponsored Account, own any virtual currency in it, and all related assets and liabilities are yours. You are responsible for its losses (Cash App will not reimburse them), for all obligations it incurs, and for tax consequences of its virtual currency use. However, when virtual currency is sold, the proceeds are owned by the Sponsored Account, not you.

Supporting quotations

You, and not the Sponsored Account, are the owner of any Virtual Currency held in a Sponsored Account, and all assets or liabilities related to Virtual Currency held by the Sponsored Account are yours and not the Sponsored Person’s.

You will be responsible for any losses incurred by a Sponsored Account, and Cash App will not reimburse or otherwise remedy any losses incurred or caused by a Sponsored Account.

You are responsible for any tax consequences of the use of Virtual Currency Services by the Sponsored Account.

Upon the sale of any Virtual Currency, the proceeds of such sale will be owned by the Sponsored Account, and not you.

Not stated here

Section III.6 says the sponsor legally owns the Sponsored Account and its funds, while this paragraph says sale proceeds belong to the Sponsored Account; the terms do not reconcile the two.

Cross-references

contrast (model-proposed): The sponsor legally owns the Sponsored Account and is fully liable for its use — contrast: Section III.6 makes the sponsor the legal owner of the Sponsored Account and its funds, while Section IX.15 says proceeds from selling virtual currency in a Sponsored Account are owned by the Sponsored Account, not the sponsor.

Charges & Financial Obligations · Restriction or exception

Enabled Teens control their crypto and can trade without sponsor approval, at the sponsor’s risk

If you enable virtual currency for a Sponsored Account, it can transact like your Account, subject to limits. You consent to the minor having general discretionary control of the virtual currency, including selling it, and they can buy and sell without your approval or notice. Only the minor may transact; you may not, except to request closing or liquidating the account. The minor's actions count as yours and Cash App may rely on their instructions. All their trades are at your risk. You can revoke this authorization at any time in the app or by contacting Cash App.

Supporting quotations

If enabled by you to use Virtual Currency Services, the Sponsored Account will be allowed to transact in Virtual Currency in the same manner as your Account, though subject to certain limits

The Sponsored Account will be able to access, transact in, and buy and sell Virtual Currency without prior approval from, or notice to, you.

you may not be permitted to make any transactions in the Sponsored Account (aside from requesting that the Sponsored Account be closed or liquidated).

You understand and acknowledge that all actions taken, including the trades placed by the Sponsored Person are at your own risk. You are able to revoke this authorization at any time either in-app or by contacting us.

Charges & Financial Obligations · Restriction or exception

Sponsors must monitor the Teen’s crypto activity; Cash App won’t supervise it

You are responsible for a Sponsored Account's activity, including losses and compliance with these terms. You must promptly review its activity, contact Cash App immediately with concerns, and take action yourself to suspend or revoke the minor's access. Cash App will not monitor or supervise the account.

Supporting quotations

You are responsible for the activity of any Sponsored Account, including for any losses that may be incurred and for ensuring that activity in the Sponsored Account complies with these Cash App Terms.

It is your responsibility to take action, either in-app or by contacting us, to suspend or revoke a Sponsored Person’s access to a Sponsored Account. We will not monitor or supervise the Sponsored Account’s activity.

Charges & Financial Obligations · Procedure

At 18 the minor takes ownership of the crypto; if not, it may be liquidated

When the minor turns 18 they must become sole owner of the Sponsored Account; once they do, they can transfer title, custody and ownership of its assets, and you consent to Cash App transferring them at their direction. If they cannot become sole owner, Cash App may restrict or close the account, which could mean liquidating its virtual currency.

Supporting quotations

once the Sponsored Person has reached the age of 18, they must become the sole owner of their Sponsored Account.

You authorize and consent to us transferring the respective Sponsored Account assets at the direction of the Sponsored Person upon their successfully becoming the sole owner of their Sponsored Account.

if the Sponsored Person is unable to become the sole owner of their Sponsored Account, Cash App may, in its sole discretion, restrict the use of their Sponsored Account and/or close the Sponsored Account, which could result in any Virtual Currency held in that Sponsored Account being liquidated.

Qualifications & exceptions

The text cites "Section III.2.d" for Account Graduation; graduation appears as III.6.f in this document.

Charges & Financial Obligations · Restriction or exception

Sponsors must report life changes affecting the account and bear its tax consequences

You must promptly tell Cash App about any life event or change in circumstances, including a change in your relationship to the minor, that affects your or their ability to own, use or meet obligations for a Sponsored Account; Cash App will work to move the account to another sponsor or close it. As owner, you are responsible for tax consequences of its activity and holdings and should consult a tax advisor.

Supporting quotations

You agree to notify us promptly of any life event or change in circumstance that impacts your or the Sponsored Person’s ability to own or use a Sponsored Account.

We will work with you and the Sponsored Person to transition the account to another sponsor or close the account, as necessary.

As you are the owner of the Sponsored Account you are responsible for any tax consequences of the Sponsored Account’s activity and holdings.

Charges & Financial Obligations · Context

USD Lightning Transfers send Cash App’s bitcoin for you; you never own bitcoin

Cash App may let you pay, from your balance or (if short) a linked payment instrument, for a service that converts dollars to bitcoin and sends it over the Lightning Network to a recipient you name. You authorize Cash App to debit the dollars plus fees, convert at the rate shown, and send Cash App's own bitcoin. You never buy, hold, control or own bitcoin in this process; Cash App keeps title until delivery, and any gain or loss from price changes before delivery belongs to Cash App. If the transfer fails, your dollars return to your balance and you get no bitcoin. Rates and fees are shown and you approve the total first. Cash App may set per-transaction, daily or weekly limits or funding-source limits, shown in the app and adjustable at any time.

Supporting quotations

Cash App may allow you to use your Cash App Balance or, if your Cash App Balance is insufficient to fund the entire amount of the transfer, a linked payment instrument, to pay for a USD conversion and transfer service (referred to as a “USD Lightning Transfer”).

When making a USD Lightning Transfer, you are not purchasing, holding, or controlling bitcoin and you never acquire title to or ownership of bitcoin.

If a USD Lightning Transfer cannot be completed (for example, due to a network error, invalid invoice, or other failure), Cash App will return your USD to your Cash App Balance.

Before you complete a USD Lightning Transfer, we will display any and all conversion rates and fees that apply.

Any gain or loss from fluctuations in bitcoin price between the time you authorize the USD Lightning Transfer and the time the bitcoin is delivered to the specified recipient belongs to Cash App as the owner of the bitcoin.

We may impose limits on your use of the Service, including per-transaction, daily or weekly limits, or on the eligible funding sources.

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.

Charges & Financial Obligations · Restriction or exception

Stablecoin Withdrawals convert dollars and send them out irreversibly; wrong-network sends are lost

Cash App may let you pay, from your balance or a linked payment instrument, for converting dollars to a stablecoin and sending it to an external blockchain address. You never buy, hold, control or own the stablecoins; Cash App or its partners hold title until delivery. You authorize Cash App to debit the dollars plus fees, convert at the rate shown and transmit to your address. If Cash App cancels before completion, it returns the dollar value; you never receive stablecoins. You alone are responsible for accurate instructions, since sends cannot be reversed once on the blockchain. Sending an unsupported asset, to the wrong network (for example a Solana-based stablecoin to an Ethereum address) or to a wrong address means permanent loss, and Cash App cannot recover it.

Supporting quotations

to pay for a USD-to-stablecoin conversion and transfer service to a compatible external blockchain address (a “Stablecoin Withdrawal”).

When making a Stablecoin Withdrawal, you are not purchasing, holding, or controlling stablecoins, and you never acquire title to or ownership of any digital assets.

If a Stablecoin Withdrawal is canceled by us before it is completed, Cash App will return the USD value of the transfer to your Cash App Balance; you will not be provided with stablecoins under any circumstance.

You are solely responsible for providing accurate withdrawal instructions to Cash App, as Stablecoin Withdrawals may not be reversed or refunded once they have been initiated on the blockchain.

Cash App cannot recover funds sent to an incorrect or incompatible address.

Charges & Financial Obligations · Restriction or exception

Stablecoins sent to Cash App are converted to dollars on arrival; wrong-network sends are lost

You can send supported stablecoins from an external address to fund your Cash App Balance in dollars. Cash App converts them to dollars on receipt and credits the value less fees; you never acquire, hold or custody the stablecoins on Cash App. Deposits wait for network confirmations and may be delayed. You alone must use supported assets and compatible networks; sending to the wrong network or an unsupporting address (for example a Solana-based stablecoin to an Ethereum address) means permanent loss, and Cash App offers no recovery. The dollars credited may be taxable income.

Supporting quotations

You may enable supported stablecoin transfers from an external blockchain address to Cash App for the purpose of funding your Cash App Balance with USD (a “Stablecoin Deposit”).

You acknowledge and agree that you do not acquire, hold or custody the stablecoins on Cash App at any point

Stablecoin Deposits must be recognized by the required number of network confirmations for the relevant supported network and may be delayed before appearing in your Cash App Balance.

You are solely responsible for ensuring that all stablecoin deposits are conducted using only supported assets and compatible blockchain networks.

Cash App does not provide recovery services for tokens sent to incorrect or unsupported addresses. The USD amount credited to your Cash App Balance from Stablecoin Payments may constitute taxable income to you.

Charges & Financial Obligations · Procedure

“Receive as Bitcoin” automatically converts a share of incoming payments to bitcoin

If you enable P2P Bitcoin Conversions, Cash App automatically uses a percentage you choose of each incoming peer-to-peer dollar payment to buy bitcoin at the then-effective Conversion Rate; the price may move between when the payment was sent and when it converts. Cash App may set minimums or limit conversions. You can turn it off or change the percentage anytime, but a pending conversion may not be stoppable. Cash App may cancel or modify any conversion for any reason.

Supporting quotations

If you enable P2P Bitcoin Conversions, you authorize and instruct the Company to automatically debit a pre-selected percentage of incoming P2P fiat payments from your Cash App Balance to purchase bitcoin on your behalf.

The price of bitcoin may vary between the time a P2P transfer is initiated and the conversion happens.

You may disable or adjust your conversion percentage at any time, but we may be unable to stop a pending conversion once a transfer has begun.

Cash App may cancel or modify any P2P Bitcoin Conversion for any reason in its sole discretion.

Charges & Financial Obligations · Restriction or exception

Bitcoin Auto-Withdrawal sends bitcoin out on a schedule; broadcast transfers are permanent

Subject to eligibility, limits, fees (including network fees) and other outbound transfer conditions, you can enroll in Bitcoin Auto-Withdrawal, which automatically sends bitcoin from your Hosted Balance to an approved Auto-Withdrawal Address on your schedule, with the same limits, identity checks and compliance screening as other withdrawals. You can cancel or change the schedule in the app, but Cash App is not responsible for transfers already started and cannot stop broadcast transfers. Cash App may suspend, delay or cancel transfers (for fraud review, sanctions screening or legal reasons) and may restrict or end the feature, which may not be available everywhere. All transfers are irreversible once broadcast, and you alone must ensure the address is correct; funds sent to a wrong address cannot be recovered.

Supporting quotations

Once you authorize a Bitcoin Auto-Withdrawal, we will automatically initiate transfers of bitcoin from your Hosted Balance to your designated Auto-Withdrawal Address pursuant to your instructions on the schedule you select

You may cancel or modify your Bitcoin Auto-Withdrawal schedule at any time through the app, but we will not be responsible for transfers already initiated at the time we receive your cancellation request

Bitcoin Auto-Withdrawal may not be available in all states or jurisdictions, and we reserve the right to restrict or discontinue it at any time.

You are solely responsible for ensuring that your designated Auto-Withdrawal Address is accurate before enabling or modifying your Auto-Withdrawal; we are not able to recover funds sent to an incorrect address, and any such transfer is permanent.

"Auto-Withdrawal Address" means an External Virtual Currency Address associated with a wallet or service that Cash App has approved

Charges & Financial Obligations · Company practice

Opt-in bitcoin bonuses on balances can be changed, cut or forfeited at Cash App’s discretion

Cash App may occasionally offer promotional bitcoin bonuses based on your eligible virtual currency balance, if you opt in. Bonuses are calculated from a balance snapshot, paid in bitcoin, and may be rounded, limited, delayed, canceled or forfeited as disclosed in the app or as Cash App decides. Participating does not change how your virtual currency is held, lock it up, or stop you from selling or withdrawing. Eligibility, rates, amounts, timing, locations and all program terms can change or end at any time. Bonuses may be taxable and you are responsible for any taxes.

Supporting quotations

From time to time, Cash App may offer promotional bitcoin bonuses based on your eligible Virtual Currency balance held in your Cash App Account. You must opt-in to be eligible to receive bonuses.

may be rounded, limited, delayed, cancelled, or forfeited as disclosed in Cash App or as we determine in our sole discretion.

participating in the program does not change how your Virtual Currency is held, require you to lock up your Virtual Currency, or prevent you from selling or withdrawing your Virtual Currency at any time.

Bonuses may be taxable and/or subject to tax reporting, and you are responsible for any taxes that may apply.

Charges & Financial Obligations · Procedure

Incoming Lightning bitcoin can be auto-converted to dollars; conversion may be irreversible

Cash App may let you receive certain Lightning Network bitcoin payments and have them automatically converted to dollars and credited to your balance. If you enable it, Cash App receives the bitcoin for you, converts it at the applicable Conversion Rate, deducts fees and credits the dollars. The amount can vary with bitcoin's price at receipt or conversion. It may not be available for all transfers, networks or places, and Cash App may set limits, fees and conditions. Once started or received, the conversion may not be cancelable or reversible.

Supporting quotations

Cash App may allow you to receive certain bitcoin payments over the Lightning Network and have the value automatically converted to USD and credited to your Cash App Balance (a “Lightning USD Deposit”).

The amount of USD credited to your Cash App Balance may vary based on market factors, including the price of bitcoin at the time the Lightning USD Deposit is received or converted.

Cash App may impose limits, fees, eligibility requirements, or other conditions on this feature.

Once a Lightning USD Deposit is initiated or received, you may be unable to cancel or reverse the automatic conversion.

Charges & Financial Obligations · Context

Stock investing is through Cash App Investing LLC under separate brokerage terms

Cash App Investing LLC is a FINRA-registered broker-dealer and a subsidiary of the company. To use its brokerage services you must open a brokerage account with it and agree to its own terms. Using its services authorizes Cash App to follow Cash App Investing's instructions on your behalf about moving funds in your Cash App Balance.

Supporting quotations

Cash App Investing LLC is a FINRA registered broker-dealer and subsidiary of the Company (“Cash App Investing”).

you must open a brokerage account with Cash App Investing and agree to

By using any Cash App Investing services, you authorize and instruct us to follow any instructions provided to us by Cash App Investing on your behalf regarding the transmission or receipt of any funds in your Cash App Balance.

Not stated here

Cash App Investing's Terms and Conditions were not supplied with this document.

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.

Account & Service Control · Permission or license

Sellers may open Business Accounts; Cash App can require one if you sell through a personal account

If you sell goods or services you may open or switch to a Cash App Business Account, which is marked with an insignia or otherwise designated. You need a Prepaid or Debit Flex Account and may be asked for more identification and information. If Cash App decides in its sole discretion that you use your Account to sell goods and services, it may require you to open or switch to a Business Account.

Supporting quotations

If you are a seller of goods or services, you may open, use, or switch to a “Cash App Business Account.”

You must have a Prepaid Account or Debit Flex Account to open or have a Cash App Business Account

If we determine, in our sole discretion, that you are using your Account to sell goods and services, we may require you to open or switch to a Cash App Business Account.

Qualifications & exceptions

Eligible sole proprietors may instead use Earn in P2P in a personal account (Section VII.7).

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.

Account & Service Control · Restriction or exception

Cash App decides which businesses qualify; switching may cost features and force asset liquidation

To open or switch to a Business Account you may need to give information about you or your business for verification. Cash App decides in its sole discretion which business types and entities are eligible; some may be unsupported or have limited features. Sponsored Accounts cannot switch and Sponsored Persons cannot open Business Accounts. Cash App decides and may change at any time which features Business Accounts get. Switching may cost you access to some features and may force you to liquidate or transfer assets held in your account.

Supporting quotations

We may, in our sole discretion, determine the types of businesses and legal entities that are eligible for a Cash App Business Account.

Sponsored Accounts are not eligible to switch to a Cash App Business Account, and Sponsored Persons may not open a Cash App Business Account.

We may, in our sole discretion, determine which Cash App features Cash App Business Accounts are eligible for and we may modify eligibility at any time, for any reason.

If you switch or upgrade a Cash App Account to a Cash App Business Account, you may lose access to certain Cash App features and may be forced to liquidate or transfer assets held in your Cash App Account.

Charges & Financial Obligations · Company practice

Business Accounts may pay a processing fee disclosed at opening; net payments go to your balance

With a Business Account you can accept payments from Cash App customers for goods and services, and Cash App may charge a transaction processing fee, disclosed when you open, use or switch to the account. Payments, less the fee, are deposited to your Cash App Balance.

Supporting quotations

Once you have a Cash App Business Account you will be able to accept payments from Cash App customers for the sale of goods and services, and we may charge you a transaction processing fee for doing so.

This fee will be disclosed to you when you open, use, or switch to a Cash App Business Account. Payments you receive, less the applicable fee, will be deposited to your Cash App Balance.

Not stated here

The processing fee amount is not stated in these terms.

Charges & Financial Obligations · Permission or license

Cash App acts as the business’s agent and may void likely-chargeback transactions

For a Business Account you authorize Cash App to act as your agent to hold, receive and disburse funds. Where it reasonably believes a transaction is likely to be reversed or charged back, you direct it, as your agent, to void the transaction.

Supporting quotations

In connection with your Cash App Business Account, you authorize us to act as your agent for the purposes of holding, receiving, and disbursing funds on your behalf.

in some cases where we reasonably believe a transaction is likely to be reversed (or charged back), you also direct and authorize us, as your agent, to void the transaction.

Sharing & Disclosure · Permission or license

Paying a Business Account authorizes it to charge your balance or card and shares your account info with it

Business Accounts may be marked with a badge or icon. Paying a Business Account authorizes it to charge your Cash App Balance or Linked Account (including credit cards) and means you consent to sharing information from your Account with that business. If you are owed a reversal, refund or chargeback, you authorize the credit back to that balance or account. Linked Account purchases from Business Accounts are processed by the company as the business's agent.

Supporting quotations

By initiating a payment transaction to a Cash App Business Account, you authorize the Cash App Business Account to charge your applicable Cash App Balance or Linked Account (including credit cards) to complete the purchase and you consent to sharing information from your Account with the Cash App Business Account.

you also authorize a credit to the applicable Cash App Balance or Linked Account (including credit cards) to accomplish that transaction.

Purchases from Cash App Business Accounts using Linked Account (including credit cards) will be processed by the Company as an agent for Cash App Business Accounts in accordance with these Cash App Terms.

Not stated here

Which Account information is shared with the business is not specified.

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.

Charges & Financial Obligations · User right or choice

You have a right to account statements and can view 12- and 24-month histories

Receipts are in the app's activity section and at cash.app. You have the right to receive an Account statement, viewable by logging in at cash.app, and you can see your balance and 12-month and 24-month transaction histories in the app or online.

Supporting quotations

Transaction receipts can be found in the activity section of your Cash App and by logging into your Account at cash.app.

You have the right to receive an Account statement. You may view your Account statement by logging into your Account at cash.app.

can view your 12-month and 24-month history of Account transactions in the App or at (www.cash.app/account).

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.

Security & Safeguards · Company commitment

Dispute contacts; Cash App staff will never ask for your password, PIN or full card number

You can write to Block, Inc., Attn: Cash Disputes, 1955 Broadway, Suite 600, MSC 211, Oakland, CA 94612. Cash App says its representatives will never ask for your password, PIN or full debit card number, and 1-800-969-1940 is its only support phone number.

Supporting quotations

Write us at Block, Inc., Attn: Cash Disputes, 1955 Broadway, Suite 600, MSC 211, Oakland, CA 94612.

Note: Cash App representatives will never ask you for your password, PIN, or full debit card number.

Please note (1) this is the only phone number customers can call for Cash App support, and (2) a Cash App representative will never ask you for your password, PIN, or full debit card number.

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.

Security & Safeguards · Procedure

Report a lost card or unauthorized transfer at once through the app, phone or mail

Tell Cash App at once if you believe your Cash App Card or card numbers were lost or stolen, or someone made an electronic transfer by logging into your account without permission (an "Unauthorized Transaction"). You can contact Cash App in the app, at 1-800-969-1940, or by mail to Block, Inc., Attn: Cash Disputes.

Supporting quotations

Tell us AT ONCE if you believe your Cash App Card (including your card numbers) has been lost or stolen, or if an electronic fund transfer has been made by logging in to your Account without your permission (an “Unauthorized Transaction”).

You may contact us through your Account in the app, by calling 1-800-969-1940, or by writing to us at Block, Inc., Attn: Cash Disputes

Charges & Financial Obligations · User right or choice

Unauthorized transfer losses capped at $50 if you report within 2 business days, up to $500 after

If you tell Cash App within 2 Business Days after learning of an Unauthorized Transaction, you can lose no more than $50. If you don't, and Cash App can prove it could have stopped the transaction had you told it, you could lose as much as $500. Longer delays after statements are covered by the 60-day rule.

Supporting quotations

If you tell us within 2 Business Days after you learn of an Unauthorized Transaction, you can lose no more than $50.

If you do NOT tell us within 2 Business Days after you learn of an Unauthorized Transaction, and we can prove we could have stopped someone from making an Unauthorized Transaction if you had told us, you could lose as much as $500.

Qualifications & exceptions

Losses after 60 days from the first statement may be unrecoverable (next paragraph).

Charges & Financial Obligations · Restriction or exception

Losses after 60 days from your statement may be unrecoverable; Business Accounts may bear all losses

If your statement shows transfers you didn't make, tell Cash App at once. If you don't report within 60 days after Cash App sent the first statement showing the Unauthorized Transaction, you may not get back money lost after those 60 days if Cash App proves it could have stopped it had you told it in time. A good reason, such as a long trip or hospital stay, extends these deadlines for a reasonable period. Business Account holders may be liable for all Unauthorized Transactions no matter when they report.

Supporting quotations

If you do not tell us within 60 days of the date we sent you the first statement on which the Unauthorized Transaction appeared, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods for a reasonable period.

If you have a Cash App Business Account, you may be liable for all Unauthorized Transactions, regardless of when you report the activity to us.

Charges & Financial Obligations · Restriction or exception

Sharing your login, fraud by you, and sending to the wrong person are not “unauthorized” transactions

These are not Unauthorized Transactions: use by someone you gave account access to (such as a family member or coworker with your login), unless you told Cash App that person is no longer authorized; transactions where you or someone you work with act with fraudulent intent; and payment instruction errors, such as entering the wrong Recipient.

Supporting quotations

The following are NOT considered Unauthorized Transactions:

If you give someone access to your Account (e.g. by giving a family member or coworker your login information) and they use your Account without your knowledge or permission, unless you have notified us that transfers by that person are no longer authorized.

If you, or someone else you are working with, are acting with fraudulent intent.

Payment instruction errors, such as you inputting the wrong Recipient, will not be considered an Unauthorized Transaction.

Qualifications & exceptions

Payments you were tricked into sending yourself are generally not covered as unauthorized under this definition.

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.

Charges & Financial Obligations · Restriction or exception

Cash App Offers follow separate incorporated terms and are for personal use only

Cash App Offers are promotional programs giving savings on qualifying transactions. They are governed by the Cash App Offers Terms, which are incorporated by reference, and may only be used for personal, non-commercial purposes.

Supporting quotations

Cash App Offers (“Offers”) are promotional programs (each an “Offer”) that allow you to save on qualifying transactions.

which are incorporated here by reference. Offers are for personal use and you agree that you will not use Offers for any commercial purpose.

Not stated here

The incorporated Cash App Offers Terms were not supplied.

Charges & Financial Obligations · Context

Neighborhoods gives Local Cash rewards and seller promotions; personal use and good standing required

Neighborhoods on Cash App is a promotional program in which participating local merchants ("Neighborhoods Sellers") offer rewards ("Local Cash") usable on later purchases with them, and may send promotions directly, such as push notifications, when you "follow" them on a point-of-sale device or in Cash App. It is part of the Cash App services. You need an account in good standing to earn or claim rewards, must use it only personally, and some items, categories, payment methods and checkout types may be ineligible.

Supporting quotations

Neighborhoods on Cash App (“Neighborhoods”) is a promotional program that allows you to receive offers from, and rewards for shopping with, participating merchants in your area (“Neighborhoods Sellers”).

You may also be eligible to receive promotional marketing of special offers, discounts, and rewards, such as through push notification messages or other content on a Neighborhoods Seller’s Profile, directly from Neighborhoods Sellers

To earn and claim Local Cash or NSPs, you must have a Cash App Account in good standing. Neighborhoods is for personal use only, and you agree that you will not use Neighborhoods for any commercial purpose.

Certain items, product categories, payment methods, and checkout types may be ineligible for purchases with Local Cash and/or NSPs.

Charges & Financial Obligations · Restriction or exception

Local Cash has no cash value, caps at $1,000, vests no rights and can be canceled anytime

You may earn Local Cash on purchases with Qualifying Instruments at Neighborhoods Sellers you follow, as a percentage, fixed amount or other disclosed amount, up to disclosed limits and a maximum Local Cash balance of $1,000; Cash App can change the limits at any time. Local Cash is not property, has no cash value, cannot be redeemed for cash or gift cards, cannot be earned on gift card purchases, and is purely promotional. It cannot be bought, sold or bartered and cannot be divided in a settlement, legal proceeding or death. It can only be used at Neighborhoods Sellers, subject to expiration and limits. Accumulating it gives no vested rights, and Cash App may expire, limit, modify or cancel it at any time without liability.

Supporting quotations

subject to certain disclosed limits and up to a maximum Local Cash Rewards balance amount of $1,000 (“Local Cash Limits”).

Local Cash Limits can change at any time in Cash App’s sole discretion.

Local Cash is not property, has no cash value, is not redeemable for cash, gift certificates or gift cards, may not be earned on the purchase of gift certificates or gift cards, and is purely promotional.

cannot be divided as part of a settlement, legal proceeding or death, regardless of relationship.

The accumulation of Local Cash does not entitle you to any vested rights with respect to Local Cash. Local Cash may expire or otherwise be limited, modified, or canceled by Cash App at any time in our sole discretion without any liability to you.

Sharing & Disclosure · Company practice

Scanning a seller’s QR code enrolls your card to earn Local Cash; following shares data with the seller

You may earn Local Cash at Neighborhoods Sellers you follow when you pay with a Cash App Card or another debit or credit card and scan the seller's QR code right after the purchase (a "Recognized Card"), or when paying with Cash App Pay online or in the app. Offers may be time-limited. If you buy from a seller you don't follow, you may still earn by following them within a set time. After scanning with a Recognized Card, or following a seller where available, that card may keep earning automatically on later purchases. When you follow a seller, certain information about you and your transactions may be shared with that seller.

Supporting quotations

You may have the ability to earn Local Cash on purchase transactions at Neighborhoods Sellers you follow when you pay with Cash App Card, another debit or credit card

Local Cash offers may be time-limited or while quantities last.

you may be able to continue earning Local Cash automatically with that Recognized Card on subsequent Eligible Neighborhoods Transactions.

When you follow a Neighborhoods Seller, certain information about you and your transactions may be shared with that Seller.

Not stated here

Which information is shared with a followed seller is not specified.

Charges & Financial Obligations · Restriction or exception

Local Cash is spent oldest-first, can be revoked for errors or fraud, and covers tips when it pays the full bill

Local Cash can only be used on Neighborhoods Seller purchases made through Cash App or in-store with Qualifying Instruments, and is applied oldest-earned first. It isn't earned on fraudulent, disputed or returned transactions. Cash App may withhold, deduct or revoke Local Cash it believes was earned or used in error, fraudulently, illegally or against these terms. You may "check in" with a seller (such as by scanning a QR code) so your balance applies at checkout. If Local Cash covers the whole pre-tip amount, any tip must also be paid with Local Cash.

Supporting quotations

When Local Cash is used, it may be applied on Qualifying Neighborhoods Purchases in the order of when it was earned, with the earliest-in-time earned Local Cash being applied first.

Local Cash will not be earned on transactions that are deemed fraudulent, disputed transactions, or transactions subject to a return.

We reserve the right to withhold, deduct, or revoke Local Cash earned by you or any other user

When a Local Cash redemption covers the entire pre-tip transaction amount on a purchase with a Neighborhoods Seller, any tip you choose to apply for that transaction must also be paid with Local Cash.

Charges & Financial Obligations · Restriction or exception

Used Local Cash is final except seller-approved returns; your only remedy for a missed reward is the reward

Once used, Local Cash is final and returned only at the seller's discretion with a return of goods, if not expired. On partial returns of mixed-payment orders, returned Local Cash and refunds to your payment method are capped at what each paid. Returning items that earned Local Cash removes that Local Cash from your balance. Cash App may, but need not, correct or adjust balances. If Cash App fails to credit or wrongly denies a redemption you were entitled to, your exclusive remedy is issuance of that Local Cash, if available, or another benefit it chooses.

Supporting quotations

Once you use Local Cash on a purchase, it is final and cannot be returned except at the discretion of the Neighborhoods Seller in connection with the return of goods, provided such Local Cash has not yet expired.

If you return items that were part of a Qualifying Neighborhoods Purchase that earned Local Cash, the earned Local Cash will be subtracted from your Local Cash balance upon return of those items.

We reserve the right, but are not required, to correct inaccurate Local Cash balances

your exclusive remedy under these terms will be the issuance of such Local Cash Rewards, if available, or such other alternative benefit we may determine in our sole discretion.

Account & Service Control · Company practice

Neighborhoods sends automated marketing texts from Cash App and Square; NSP pushes can be turned off

You may receive automated informational and marketing texts from Cash App and Square about Neighborhoods, including Local Cash opportunities, at the phone number you gave. You may also receive push notifications and marketing content, including seller promotions (NSPs), from Neighborhoods Sellers you follow or otherwise agree to hear from. You can unsubscribe from NSP push notifications in Cash App settings.

Supporting quotations

You may receive automated informational and marketing texts from Cash App and Square about the Neighborhoods program, including opportunities to earn Local Cash from Neighborhoods Sellers, via the phone number you provide to us.

You may unsubscribe from NSP-related push notifications in your Cash App settings.

Qualifications & exceptions

Text opt-out (reply STOP) is described in Section IV.

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.

Charges & Financial Obligations · Restriction or exception

Seller promotions default to one use, no stacking, 14-day expiry, no alcohol, taxes or cash value

Unless a promotion says otherwise: each NSP is one use per customer and can't be combined; it expires on the stated date or, if none, 14 days after it was last shown to you by Cash App's clock; it may require following instructions; it can't be applied to taxes, or to fees unless stated, or to alcohol and other regulated items; it has no cash value and can't be transferred, traded or sold; it can't be applied retroactively; and it may be time-limited or while supplies last.

Supporting quotations

NSPs are limited to one use per customer. NSPs may not be combined unless otherwise stated.

if no date is specified, the NSP will expire 14 days after the date on which it was last displayed to the customer based on Cash App’s timekeeping system.

NSPs cannot be applied towards taxes, and cannot be applied toward fees unless otherwise stated explicitly in the NSP. NSPs cannot be applied to the purchase of alcohol or other regulated items.

NSPs cannot be redeemed for cash or cash equivalents, are not transferable

NSPs cannot be applied retroactively for prior purchases.

Charges & Financial Obligations · Context

Local Cash usually appears within 24 hours, but timing isn’t guaranteed

Local Cash is typically available in your account 24 hours after a qualifying purchase, but Cash App does not guarantee any particular timeframe.

Supporting quotations

Local Cash will typically be available in your Cash App Account 24 hours after a Qualifying Neighborhoods Purchase. However, we do not guarantee that Local Cash will be available within any particular time frame.

Account & Service Control · Permission or license

Cash App can end your Neighborhoods participation anytime; all Local Cash is then forfeited

Cash App may suspend, revoke or terminate your Neighborhoods participation at any time for any reason; if it does, all your Local Cash is forfeited immediately and you can't earn or redeem more. It may investigate suspected abuse. Termination for fraud, abuse or non-compliance forfeits all Local Cash and program benefits and ends your access to Neighborhoods and, per the text, the Services. If your Cash App account is closed, you lose all Local Cash, NSPs and Neighborhoods benefits.

Supporting quotations

Your participation in Neighborhoods may be suspended, revoked or terminated by us at any time and for any reason.

all of your Local Cash Rewards will be forfeited immediately and no further Local Cash Rewards can be earned or redeemed by you.

receive or apply NSPs, or otherwise access the Services.

If your Cash App account is closed or terminated, you will lose all Local Cash Rewards, NSPs, and any other benefits of Neighborhoods on Cash App.

Not stated here

Whether "access the Services" means all of Cash App or only Neighborhoods services is not clear from the text.

Charges & Financial Obligations · Context

Remittance Service ended May 1, 2026; pending transfers canceled and refunded by May 21, 2026

Effective May 1, 2026, Cash App no longer supports the Remittance Service. Remittance payments pending on or before May 1, 2026 continue processing unless you cancel. Cash-pickup payments not collected within 21 days are automatically canceled, and all payments still pending on May 21, 2026 are automatically canceled. Canceled payments are refunded to the sender. The remittance terms and fees elsewhere in this document describe a service no longer offered.

Supporting quotations

Effective May 1, 2026, Cash App will no longer support the Remittance Service.

Any Remittance Payment that is still pending on or before May 1, 2026 will continue to be processed unless you cancel to transfer.

Any Remittance Payment sent via cash pickup that is not picked up by the Designated Recipient within 21 days will be automatically canceled. All Remittance Payments that remain in a pending state on May 21, 2026 will be automatically cancelled. Any canceled Remittance Payments will be refunded to the Sender.

Qualifications & exceptions

This notice overrides the operation of the remittance fee lists in Section I and the rest of Section XV after these dates.

Cross-references

qualifies (model-proposed): Remittance fees depend on delivery method and whether you send $300 or more — qualifies: The Section XV notice ends the Remittance Service effective May 1, 2026, so the Prepaid remittance fee rows describe a service no longer offered.
qualifies (model-proposed): Debit Flex remittances: bank transfer free at $300+, else $1.99; cash pickup $1.99 or $3.98 — qualifies: The Section XV notice ends the Remittance Service effective May 1, 2026, so the Debit Flex remittance fee rows describe a service no longer offered.

Charges & Financial Obligations · Context

The (now-discontinued) Remittance Service sent personal payments abroad from your balance

The Remittance Service let eligible Prepaid or Debit Flex Accounts send personal, non-commercial payments from the United States to individuals in certain countries, using only Cash App Balance funds. The sender gave instructions including amount, payout currency and method, recipient bank or payout agent, and the "Designated Recipient". Restricted Accounts could not use it. The service was discontinued effective May 1, 2026.

Supporting quotations

The Remittance Service allows you to send remittance payments (as described below) from the United States to individuals in certain other countries for personal, non-commercial purposes (the “Remittance Service”).

Eligible Prepaid Accounts or Debit Flex Accounts will be able to use the Remittance Service.

You may only use the Remittance Service using funds in your Cash App Balance. If you have a Restricted Account, you will be prohibited from using the Remittance Service.

Qualifications & exceptions

Discontinued effective May 1, 2026 (Section XV notice).

Charges & Financial Obligations · Procedure

Remittance sends debited your balance immediately, including fees and taxes; overdrafts were recoverable

Each remittance instruction authorized Cash App to debit your Cash App Balance for the amount plus its fees and any taxes and send it to the recipient immediately by the chosen method, and to return canceled or returned payments to your balance. Subject to the 30-minute cancellation right, funds could leave as soon as you started. If Cash App sent a remittance without enough funds, your balance could go negative and Cash App could recover the shortfall under the Recovery of Funds section. Senders chose cash pickup at a partner paying agent or deposit to the recipient's bank account abroad.

Supporting quotations

By initiating each Remittance Payment Instruction, you authorize us to debit your Cash App Balance by the amount you specify, including the Company’s associated fees and any applicable taxes

processing will begin, and funds will leave your Cash App Balance as early as the moment you initiate the Remittance Payment.

the Company’s recovery of these funds may cause your Cash App Balance to become negative, and that we may recover funds from you in accordance with the Recovery of Funds section of the Cash App terms to bring your negative balance to zero.

The Sender may select either (1) cash pickup at a paying agent location we have partnered with or (2) deposit into the Designated Recipient’s bank account in the destination country.

Qualifications & exceptions

The Remittance Service was discontinued effective May 1, 2026 (Section XV notice).

Charges & Financial Obligations · User right or choice

Remittances could be canceled within 30 minutes for a full refund including fees

You had the right to cancel a remittance and get back all funds paid, including fees, by calling 1-800-969-1940 or contacting Cash App in the app within 30 minutes of payment, identifying the transfer (amount and destination). Cash App would refund within 3 Business Days if the money had not already been picked up or deposited.

Supporting quotations

You have the right to cancel a Remittance Payment and obtain a refund of all funds paid to us, including fees.

within 30 minutes of payment for the transfer.

We will refund your money within 3 Business Days of your cancellation request as long as the funds have not already been picked up or deposited into the Designated Recipient’s bank account.

Qualifications & exceptions

The Remittance Service was discontinued effective May 1, 2026 (Section XV notice).

Charges & Financial Obligations · Company commitment

Uncollected cash pickups were canceled after 21 days and refunded in dollars within 30 days

Subject to law, if a cash-pickup recipient did not collect the money or complete identity verification (which may include anti-fraud and anti-money-laundering review) within 21 days of the pickup date, the transfer was canceled automatically. Canceled, unclaimed, refused or denied remittances are refunded to your Cash App Balance (or by other reasonable means) in U.S. dollars within 30 days of cancellation, unless the law prohibits it.

Supporting quotations

fails to sufficiently verify their identity as required within 21 days after the available pickup date provided on the Sender’s receipt, the money transfer will be canceled automatically.

we will refund you and return to you any unclaimed, refused, refunded, or denied Remittance Payment to your Cash App Balance unless we are prohibited from doing so under law.

All refunds will be in United States Dollars ("USD"). All refunds will be processed within thirty (30) days of the date of cancellation.

Qualifications & exceptions

The Remittance Service was discontinued effective May 1, 2026 (Section XV notice).

Charges & Financial Obligations · Company practice

Remittance fees were listed in Section I; Cash App also kept the exchange-rate spread as revenue

Remittance fees are listed in Section I and were shown in the app before you submitted; Cash App could change them with reasonable notice, and they were due when you submitted. Remittances were funded in dollars and paid in the destination's official currency (or sometimes another currency). Cash App disclosed the actual or estimated exchange rate before payment and on the receipt. The retail rate it quoted could differ from the wholesale rate it obtained, and the company or paying agent kept the difference as revenue in addition to disclosed fees.

Supporting quotations

The fees for using the Remittance Service are found in Section I. “Stored Balance Disclosures“ of the Cash App Terms and will be disclosed in-app prior to your submission of a Remittance Payment Instruction.

We reserve the right to change the fees associated with use of the Remittance Service at any time with reasonable notice

we disclose the actual exchange rate or an estimated exchange rate that applies to your transaction before you submit payment for the transaction and on your receipt.

The difference between the retail exchange rate applied to your Remittance Payment and the wholesale exchange rate at which we acquired the payout currency will be kept by the Company and/or the paying agent as revenue, in addition to any fees disclosed on your receipt or in Section I.

Cash App may make money on the exchange rate applied to your transaction.

Qualifications & exceptions

The Remittance Service was discontinued effective May 1, 2026 (Section XV notice).

Charges & Financial Obligations · Restriction or exception

Remittance limits were set at Cash App’s discretion; scams could mean unrecoverable losses

Cash App could limit or prohibit remittances, or require more ID, based on how many you sent, and could cap amounts per transaction, over time, or to certain countries, adjusting limits at its discretion subject to law. It warned that scams may cause loss of funds with no recourse.

Supporting quotations

We may limit, prohibit, or require you to provide us with additional identification information based on the number of Remittance Payments you send over any period of time.

We may adjust these limits at any time at our discretion subject to applicable laws.

you should be aware and vigilant that scams may result in the loss of your funds with no recourse.

Qualifications & exceptions

The Remittance Service was discontinued effective May 1, 2026.

Charges & Financial Obligations · Context

Mobile check deposit lets you photograph checks to load your balance; Cash App can cut access anytime

Mobile Check Capture lets you use an approved device to photograph the front and back of eligible paper checks and send the images and data (including the MICR line) for review and loading into your Cash App Balance. Cash App may suspend or terminate your access at any time for any reason. An "Electronic Check" means the image and data derived from the paper check, plus associated data you provide.

Supporting quotations

These terms govern your use of Mobile Check Capture which enables you to use certain hardware (such as a smartphone or other mobile device) approved by us to create electronic images of the front and back of certain eligible paper checks

Cash App reserves the right to suspend or terminate your access to Mobile Check Capture at any time, and for any reason.

“Electronic Check” means the electronic image of, and electronic information derived from, a paper check

Data Access & Collection · Company practice

Check deposits require camera, file, time and location permissions; Cash App keeps time and geolocation

When you submit an Electronic Check, Cash App may capture and retain device information including time and geolocation. To use the feature you must grant all hardware and operating permissions Cash App requests, including camera, files on your device, device time and geolocation.

Supporting quotations

When you submit an Electronic Check, Cash App may capture and retain various information from the mobile device, including time and geolocation data.

To use Mobile Check Capture, you must have provided Cash App with all hardware and operating permissions that it requests, including permission to access your device’s camera, files stored on your device, device time, and geolocation information.

Not stated here

How long the captured device data is retained is not stated.

Charges & Financial Obligations · Restriction or exception

Cash App may decline any check and reverse acceptance; keep the original two weeks, then void it

Cash App reviews each Electronic Check and may decline any item even if eligible and your account is in good standing, so keep backup check-cashing options. After acceptance, keep the original check secure for two weeks because Cash App may reverse its acceptance (it will notify you, and you may then cash or deposit elsewhere). After two weeks, destroy the check or mark it VOID unless Cash App instructs otherwise. You may not use the feature to disrupt the service, conduct illegal activity, or infringe others' IP.

Supporting quotations

We reserve the right to decline acceptance of any item, even if it meets the eligibility standards of an Eligible Check, and your Cash App account is otherwise in good standing.

If you need to cash a check immediately, then you should have backup check cashing options for situations where Mobile Check Capture does not accept your check.

After we have accepted an Electronic Check from you, you must keep the original check in a secure location for two weeks. It is imperative that you do so because we reserve the right to reverse our decision to accept an Electronic Check.

After two weeks you must either destroy the original check or clearly and indelibly mark it as VOID unless we have contacted you with other instructions.

You will not use Mobile Check Capture to (i) interfere with or disrupt the operation of Cash App or Mobile Check Capture; nor (ii) conduct or engage in any illegal business or activity

Charges & Financial Obligations · Restriction or exception

Eligible checks: payable to you, U.S. dollars from a U.S. bank, under 180 days old, endorsed “Cash App Deposit”

Cash App decides in its sole discretion whether a check is eligible, considering factors including: it is payable to you (or to you or another person on a two-party check); you physically have it; it is drawn on a U.S. bank or credit union; it is not drawn on your own account; it is in U.S. dollars; it is signed by the maker; it is within your per-check and periodic dollar limits; it is dated, not postdated, and no more than 180 days old; it has not been cashed or deposited before; it is unaltered; you endorsed it legibly, no one else did, and the endorsement says "Cash App Deposit"; it has not been dishonored and you have no reason to expect it will be; and it meets any conditions on its face.

Supporting quotations

Whether a paper check qualifies as an “Eligible Check” is determined by Cash App in its sole discretion based on factors including, but not limited to, the following:

The check is written to the order of you

The physical paper check is in your possession and control when the image is submitted;

The check is drawn on or payable by a bank, credit union, or other depository institution in the United States;

The check is not drawn on another account owned by you;

The check is payable in United States Dollars;

The check has been properly signed or similarly authenticated by the maker;

The amount of the check does not exceed the maximum check amount that the Company has set for your use of Mobile Check Capture

no more than 180 days earlier than the date that you submit it through Mobile Check Capture;

Neither the check, nor any electronic image generated with the check, has been cashed or deposited previously, by you or anyone else;

The check has not been altered in any way since it was issued

The check has been endorsed (signed) by you in the designated place (usually on the back) and is clearly legible,

The check has not been endorsed by anyone else, or to any other financial institution;

The endorsement states that the deposit is “Cash App Deposit”;

The check has not been dishonored previously

Not stated here

The maximum check amount and periodic limits are not stated.

Charges & Financial Obligations · Restriction or exception

Credit card, trust, estate and business-payable checks are not accepted; Sponsored Accounts can’t deposit checks

A check must also meet any conditions written on it. Some items are never Eligible Checks, including credit card checks, trust checks, estate checks, and checks payable to a business (including sole proprietorship accounts). Sponsored Accounts cannot use Mobile Check Capture.

Supporting quotations

The check otherwise complies with any requirements or conditions listed on the check.

Certain items will not be accepted as Eligible Checks, including, but not limited to: credit card checks, trust checks, estate checks, and checks payable to a business (including sole proprietorship accounts).

Sponsored Accounts are not eligible to use Mobile Check Capture Services.

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.

Charges & Financial Obligations · Procedure

After submitting, keep the check two weeks and keep your contact details current

After submitting, wait for the app to confirm success, keep the original check in a secure place for two weeks, and then destroy it unless instructed otherwise. Cash App must be able to reach you afterwards, so confirm your contact information is current and watch your email and texts.

Supporting quotations

After you submit an Electronic Check with Mobile Check Capture, wait until the app confirms successful submission.

Keep the original check for two weeks, and then destroy it, unless we instruct you otherwise.

Before using the Mobile Check Capture, confirm that all your contact information in the Cash App is up to date.

Charges & Financial Obligations · Permission or license

Bounced or challenged checks are taken back from your balance immediately, even into negative

If an Electronic Check is dishonored or returned unpaid for any reason, including Cash App deciding it is fraudulent, Cash App may immediately and without further notice deduct the credited funds; if you already had access to them, your balance may go negative and Cash App may recover the shortfall under Recovery of Funds. Even after a check is paid, the drawee or collecting bank may bring a warranty or other claim, for example for duplicate presentment, forged signatures or endorsements, alteration, or images not matching what you entered. If Cash App or its banks face such a claim, it may immediately recover funds from you without notice.

Supporting quotations

If any Electronic Check is dishonored or returned unpaid for any reason, including because we determine the Electronic Check is fraudulent, then we may immediately (and without further notice to you) deduct any funds from the Electronic Check that we have credited to your Cash App Balance.

If we have already made funds from the Electronic Check available to you then this deduction may result in a negative Cash App Balance.

the drawee bank or a collecting bank might pursue a warranty claim or other claim against us related to the Electronic Check, even after the check was honored and paid in full.

The original check, or another electronic check created from the original check, was presented for payment

The maker’s signature or any indorsement was forged

The check was altered after it was made; and

The information in the Electronic Check images did not match the information that you provided

If we (or one of our banks or other service providers) are subject to such a claim, then we may immediately recover funds from you in accordance with the Additional Cash App Terms of Service - Recovery of Funds (and without notice to you).

Charges & Financial Obligations · Restriction or exception

Check funds are held for review, not covered by Regulation CC, and available 1–15 business days after acceptance

A check Cash App receives is a "Submitted Check". Cash App's policy is to delay availability at its discretion while it reviews for fraud, irregularities and compliance, and you cannot use the funds during review. Mobile check deposits are not subject to Regulation CC funds-availability requirements. Checks received before 7:00 p.m. Eastern on a Business Day count as received that day; later or non-Business-Day submissions count the next Business Day. Once accepted, funds are available between 1 and 15 Business Days after Cash App notifies you of acceptance.

Supporting quotations

Our policy is to delay the availability of funds from your Submitted Check at our discretion, which includes reviewing the transaction for potential fraud, irregularities, and compliance with these Cash App Terms.

Funds deposited with Mobile Check Capture are not subject to Regulation CC funds availability requirements. While we review your Submitted Check, you may not use the funds for any reason.

Submitted Checks received before 7:00 p.m. Eastern Time on a Business Day are considered received on that Business Day.

Funds from Accepted Checks will be available between 1 and 15 Business Days after we notify you the check was accepted.

Not stated here

How long the review before acceptance can take is not stated.
Regulation CC is an external federal regulation, not supplied here.

Charges & Financial Obligations · Restriction or exception

Early check funds can be reversed if the check is returned or double-paid; negative balances are due immediately

Cash App may make check funds available before collecting from the paying bank. If the bank returns the check unpaid, Cash App may reverse the credit; if the check is used for duplicate payments and an overpayment is recovered, Cash App may deduct that amount. If this makes your balance negative you must repay immediately, and Cash App may recover funds under Recovery of Funds.

Supporting quotations

Cash App may make funds available before the Electronic Check can be collected from the paying bank. If the paying bank returns the check as unpaid, then we may reverse the amount credited to your balance.

If the check is used for duplicate payments and the payee bank recovers any overpayment, we may deduct that amount from your balance. If the reversal or deduction causes your balance to go negative, you must repay it immediately.

Content & IP Rights · Restriction or exception

Check imaging is provided by Mitek “as is”; Mitek disclaims warranties and indirect damages

Mitek Systems, Inc. provides the image capture for Mobile Check Capture. It provides the service "as is" and "with all faults", disclaims all warranties including merchantability, fitness for purpose, accuracy, title and non-infringement, and is not liable to you for indirect, punitive, special, incidental or consequential damages. Mitek grants you a limited license to use the technology only within Cash App; copying, distributing or reproducing it, or licensing it standalone or to third parties, is prohibited and a material breach.

Supporting quotations

Mitek Systems, Inc. enables the image capture services for the Mobile Check Capture functionality.

SUCH CHECK CAPTURE SERVICE PROVIDER PROVIDES THE SERVICE “AS IS”, AND “WITH ALL FAULTS”

THE CHECK CAPTURE SERVICE PROVIDER SHALL NOT BE LIABLE TO YOU FOR ANY INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL OR CONSEQUENTIAL OR OTHER INDIRECT DAMAGES

You acknowledge and agree that Mitek Systems, Inc. has granted you a limited license to use the Mobile Check Capture technology as contemplated in the integration with Cash App only.

any such unauthorized action shall be a material breach of this Agreement.

Charges & Financial Obligations · Context

Cash App Pay lets you pay approved merchants online, in apps or in person by QR code

Cash App Pay lets you use your Account to buy goods or services or donate at checkout online, in a mobile app, or in person: by choosing Cash App at checkout, or by scanning the Cash App QR code shown on a website or a point-of-sale device such as Square's. Only company-approved merchants may accept it, and Cash App may approve or revoke merchants at any time without notice.

Supporting quotations

Cash App Pay allows you to use your Account as a payment method to buy goods or services or make a donation when you checkout online, on a mobile e-commerce app, or in-person (“Cash App Pay”).

visit a Merchant in-store or in-person and use a point-of-sale (“POS”) device

Only Company-approved merchants (“Merchants”) may accept Cash App Pay as a payment method. We may approve or revoke approval of a Merchant for use of Cash App Pay at any time in our sole discretion and without notice to you.

Charges & Financial Obligations · Procedure

Cash App Pay draws on your balance or linked debit card; tips may post as a second charge

A Cash App Pay payment authorizes Cash App to withdraw from your Cash App Balance or linked debit account as eligible and available. You can't use your balance until you have a Prepaid or Debit Flex Account; if you haven't verified your identity, payments use your linked debit card or are rejected. Some merchants accept only balance payments. A payment may be declined if one source alone lacks enough funds. If a payment exceeds your balance, you authorize charging your linked debit card for some or all of it. If the amount rises after checkout (such as a tip), the extra may post as a second payment from a payment source.

Supporting quotations

you authorize us to withdraw the necessary funds from your Cash App Balance or linked debit account, in each instance to the extent eligible and available (each, a “Payment Source”).

If you have not verified your identity on Cash App, your Payment will either be funded by your linked debit card or rejected.

Your requested Payment may be declined if one of your Payment Sources does not independently have sufficient funds available to satisfy the requested Payment.

If you make a Payment that exceeds your Cash App Balance, you authorize us to charge your linked debit card for all or a portion of the Payment.

the additional transaction amount may be reflected as a second Payment in your Account

Charges & Financial Obligations · Company practice

Cash App Pay may place temporary holds while merchants complete transactions; amounts may change

A payment may show as pending while the merchant completes it, and Cash App may hold that amount in your balance meanwhile. A linked debit card issuer may also show a pending authorization until released or completed. The final amount may change when the transaction completes.

Supporting quotations

we may place a temporary hold on the funds in your Cash App Balance for the Payment amount while the Merchant completes the transaction.

The Payment amount may change once the transaction is completed.

Charges & Financial Obligations · Permission or license

Cash App may limit, delay or decline Cash App Pay payments and isn’t liable for resulting losses

Cash App may limit the amount or number of Cash App Pay payments and change limits at its discretion. It may decline or delay a payment if it believes it may violate law or terms, exposes Cash App to liability or loss, has unclear or incomplete instructions, is prohibited by your debit card issuer, or involves suspected fraud, abuse or security risk, or as the terms otherwise state. It is not responsible for losses from delaying or canceling a payment. Your debit card issuer may impose its own terms.

Supporting quotations

We may, at our discretion, impose limits on the transaction amount or the number of Payments that you may make via Cash App Pay.

We may decline to complete or delay a Payment in our discretion:

(iv) if we suspect a fraud, abuse, or security risk; or (v) as otherwise stated in these Cash App Terms.

We are not responsible for any losses or damages that may result from our delay or cancellation of a Payment.

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.

Charges & Financial Obligations · User right or choice

Storing Cash App Pay with a merchant allows future charges; blocking doesn’t cancel subscriptions

Some merchants let you store your Account as a payment method, which lets them request payment for future transactions with you. You can block a merchant from future use in the Activity tab, but blocking does not cancel existing subscriptions, recurring charges or balances owed; resolve those with the merchant. Other merchants make you choose a payment method each time.

Supporting quotations

When you store your Account as a payment method with a Merchant, you agree that the Merchant can use your Account to request payment for future transactions between you and the Merchant.

You can block a Merchant from using your Account as payment method for future payments via the Activity tab of your Account. Blocking a Merchant does not cancel existing subscriptions, recurring charges, or outstanding account balances.

Other Merchants will not allow you to store your Account as the payment method for future Payments

Charges & Financial Obligations · Company practice

Add cash at participating retailers for $1 per deposit, within limits Cash App sets

Eligible users can add U.S. cash to their balance at participating retailers ("Paper Money Deposit") by having the retailer scan an in-app barcode or by swiping an active physical Cash App Card, subject to daily and periodic limits that Cash App sets and changes in its sole discretion based on account history, direct deposits, spending and risk. Retailers may set $5 or $20 minimums. You may need to show ID or your card. Cash App decides eligibility; Teens can use it only if their sponsor is eligible, and Child accounts cannot. The fee is $1 per transaction, deducted from the deposit (deposit $10, receive $9).

Supporting quotations

Cash App offers you, if eligible, the ability to add cash (United States dollars) to your Cash App Balance at certain participating retailers (“Paper Money Deposit”), subject to certain daily and periodic transaction and account limits (the “Limits”).

The Limits are determined by Cash App in its sole discretion based on your account history, direct deposit history, spending activity, and other risk-based factors.

Retailers may also impose a minimum transaction limit of $5 or $20

you may use Paper Money Deposit either by generating a barcode within the Cash App mobile application for a participating retailer to scan, or by swiping your active physical Cash App Card at a participating retailer.

you may be asked to present proof of identity

Teens are able to use Paper Money Deposit only if the sponsor of their Sponsored Account is eligible to use Paper Money Deposit. Sponsored Accounts for Children are not eligible for Paper Money Deposit, even if the sponsor of the Sponsored Account is eligible.

The fee for Paper Money Deposit is $1 per transaction. Any fee will be deducted from the transaction amount.

Charges & Financial Obligations · Permission or license

Cash App may end Paper Money Deposit access for any reason, without liability for resulting fees

Cash App may suspend or terminate your use of Paper Money Deposit for any reason. Unless the terms or law say otherwise, it is not liable for costs, fees or losses from that termination, such as insufficient funds fees, late fees or legal fees. Section XII covers transaction information and error reporting.

Supporting quotations

Cash App may suspend or terminate your use of Paper Money Deposit for any reason in its discretion.

you agree that Cash App will not be liable to you or any third-party for any costs, fees, or losses associated with the termination of your access to Paper Money Deposit

Charges & Financial Obligations · Restriction or exception

Cash App Green status requires $300 in qualifying deposits or $500 in qualifying purchases each month

You earn Cash App Green ("CAG") status by meeting one requirement in a month: depositing $300 or more in Qualifying Deposits (ACH direct deposits of payroll, pension or government benefits, or payroll sent via OCT transfer using your Cash App Card, subject to OCT limits Cash App sets), or spending $500 or more in Qualifying Purchases (completed Cash App Card or Cash App Pay purchases minus refunds and returns). Unless stated otherwise, deposits and purchases cannot be combined to qualify. Sponsored Persons must do the qualifying activity in their own Sponsored Account.

Supporting quotations

To qualify for CAG, you must meet one of the following requirements:

Qualifying Deposits: you must deposit $300 or more each month in Qualifying Deposits.

Per day and per month OCT deposit limits may apply, are set at sole our discretion, and may change.

Qualifying Purchases: you must spend $500 or more in Qualifying Purchases each month.

Unless otherwise provided, Qualifying Deposits and Qualifying Purchases cannot be combined for purposes of CAG eligibility.

Sponsored Persons must take the qualifying actions outlined above using their Sponsored Account to be eligible for CAG benefits.

Cross-references

qualifies (model-proposed): 3% foreign transaction fee, waived for in-person use if you meet monthly spending or deposit thresholds — qualifies: Cash App Green status, earned with $300 in Qualifying Deposits or $500 in Qualifying Purchases a month, is the same threshold that triggers the in-person foreign fee waiver in the fee list.

Charges & Financial Obligations · Company practice

Cash App Green benefits: ATM and foreign fee relief, overdraft, Borrow, offers, higher savings rate, priority support

Qualifying for CAG gives benefits until the end of the next calendar month: reimbursed in-network ATM withdrawal fees; waived foreign transaction fees on card-present transactions; access to Free Overdraft if otherwise eligible; access to Borrow where available and higher Borrow limits if otherwise eligible (deposit- and purchase-based increases may combine, though purchase-based increases may be smaller); extra custom Cash App Offers; eligibility for the higher Savings Yield rate; and priority phone support, with no guaranteed response time.

Supporting quotations

Customers who qualify for CAG will receive the following benefits until the end of the following calendar month:

In-network ATMs: withdrawals fees using your Cash App Card will be reimbursed,

Foreign transactions: Cash App Card Foreign Transaction Fees for card-present transactions only will be waived,

Free Overdraft: you will have access to Free Overdraft assuming all other eligibility requirements are met.

you will be eligible for access to Borrow, where available, as well as increased Borrow limits assuming all other eligibility requirements are met.

Borrow limit increase for Qualifying Purchases and Qualifying Deposits may be combined, but the limit increase for Qualifying Purchases may be lower than limit increase for Qualifying Deposits.

Cash App Offers: you will receive certain additional custom offers

Savings Yield: you will be eligible for the Higher Rate of Savings Yield assuming all other eligibility requirements are met.

Priority phone support: you will receive priority phone support from Cash App. Cash App does not guarantee CAG customers access to phone support within any specific timeframe.

Qualifications & exceptions

The Free Overdraft cross-reference cites "Section VI ... Subsection 7"; Free Overdraft Coverage appears as VI.5.

Not stated here

The Savings Yield Higher Rate and Offers terms are in documents not supplied.

Charges & Financial Obligations · Restriction or exception

Cash App loans are personal-use closed-end loans; Business, Sponsored and Restricted Accounts are excluded

"Cash App Lending" means closed-end loans available through Cash App, including Cash App Borrow and Afterpay on Cash App, for personal, family or household use. To be considered you need an "Unrestricted Account" and must be physically in a state where the product is offered; availability may change without notice. Eligibility and offers may change without notice, and ongoing risk assessment may consider your account history and Cash App Lending repayment history. You may be blocked from new loans while overdue on any Cash App loan. Business, Sponsored and Restricted Accounts are not eligible.

Supporting quotations

“Cash App Lending” refers to any closed-end loan products available through Cash App, including Cash App Borrow and Afterpay on Cash App. Cash App Lending products are for personal, family, or household use.

To be considered for eligibility for Cash App Lending products, you must have an Unrestricted Account, and be physically located in a state where the applicable product is offered.

Ongoing risk assessments may consider (i) your Account history and activity, and (ii) Cash App Lending repayment history. You may be prevented from obtaining new loans through Cash App Lending while you are overdue on any Cash App Lending product.

Cash App Business Accounts, Sponsored Accounts, and Restricted Accounts are not eligible for Cash App Lending products.

Not stated here

"Unrestricted Account" is not defined in the terms; it presumably means a Prepaid or Debit Flex Account.

Charges & Financial Obligations · Context

Each Cash App loan is governed by its own loan documents from the originating lender

When you use a Cash App Lending product you receive a loan agreement and disclosures ("Loan Documents") with the detailed terms, including fees and overdue penalties. Loans are originated by the entity named in those documents, which govern your specific loan. You may have to keep a debit card on file for the loan's term.

Supporting quotations

You will be provided a loan agreement and related disclosures (the “Loan Documents”) which will include detailed loan terms, including any fees or overdue penalties, when you use a Cash App Lending product.

Cash App Lending products are originated by the entity identified in your Loan Documents. Your Loan Documents govern your specific loan. You may be required to have a debit card on file throughout the term of your loan.

Not stated here

The Loan Documents, including loan costs, were not supplied.

Inference & Profiling · Company practice

Cash App Credit Score uses only Block data, is used by Block for eligibility, and isn’t shared with outside lenders

The Cash App Credit Score is a tool to help you understand your finances and is used by Block, Inc. to decide eligibility for its products. It is not shared with unaffiliated lenders or financial institutions and is based only on the company's and its affiliates' data about your activity with them, not on activity elsewhere such as at other banks. Changes in it do not mean similar changes in your credit score with any credit bureau or bank.

Supporting quotations

The Cash App Credit Score is a tool designed to help you better understand your financial picture, and for use by Block, Inc. to determine eligibility for our products.

It is not shared with unaffiliated third-party lenders or financial institutions.

It is based only on data that the Company and its affiliates possess regarding your activity and transactions with Block, Inc. and its affiliates.

Any change in your Cash App Credit Score does not guarantee a similar change in your credit score or credit rating with any consumer reporting agency, bank, or other financial institution.

Inference & Profiling · Restriction or exception

Use the Cash App Credit Score only personally; not to apply for credit or show to banks

You may use the Cash App Credit Score only for personal, non-commercial purposes, to understand your Cash App activity and possible eligibility for Cash App products. You may not use it for anything else, including applying for credit or representing your credit standing to banks or others. Block and its affiliates are not credit bureaus, credit repair organizations, credit counselors or financial or legal advisors; the score is informational only. It may not be available to everyone or everywhere, may change without notice, and a given score does not guarantee eligibility for anything.

Supporting quotations

You agree to use the Cash App Credit Score solely for personal, non-commercial use

You may not use the Cash App Credit Score or any related analysis for any other purpose, including, but not limited to, applying for credit or representing your credit standing to third parties, including banks or other financial institutions.

Block, Inc. and its affiliates are not consumer reporting agencies, credit repair organizations, credit counselors, or financial or legal advisors.

Obtaining a particular Cash App Credit Score does not guarantee the availability of, or your eligibility for, any product, service, terms, or feature.

Content & IP Rights · Restriction or exception

Using Cash App’s AI products means agreeing to the Generative AI Terms; you’re responsible for AI content

Using any generative AI or AI-powered products, features or tools in Cash App ("AI Products") means agreeing to the Generative AI Terms and other applicable policies; a business using them is bound too. You are responsible for all content associated with your use and may not create harmful, misleading or rights-violating content. Cash App may suspend, end or modify your access to AI Products or other services in its sole discretion if it identifies misuse.

Supporting quotations

By using any of the Generative AI or AI-powered products, features, and tools (“AI Products”) offered via Cash App, you agree to be bound by these Generative AI Terms

You are responsible for all content associated with your use of AI Products. You agree that you will not use any AI Product to create any content that is harmful, misleading, or violates the rights of any third party.

We reserve the right to suspend, terminate, or otherwise modify your access to AI Products or other Services as determined in our sole discretion if we identify any such misuse.

Content & IP Rights · Restriction or exception

AI products may not be used to give or get specialized advice, pass off AI output as human, or create harmful content

You may not use AI Products to: suggest AI output is human-made; provide or obtain medical, legal, financial or other specialized advice; exploit, reverse engineer or misuse them; interfere with safety or privacy controls; generate or spread misleading, illegal, fraudulent or harmful content, others' personal information in violation of their rights, infringing content, defamation, political content (including for elections), malware or spam, corrupted files, hateful or harassing content, or pornographic or graphically violent content; impersonate anyone; or violate any law, intentionally or not.

Supporting quotations

In addition to any limitations covered in other applicable terms, you agree that you will not use AI Products to:

Mislead anyone that the content generated by AI Products is human-generated;

Provide medical, legal, financial, or other specialized advice;

Obtain medical, legal, financial, or other specialized advice;

Attempt to exploit, reverse engineer, or misuse the AI Features;

Interfere with any safety or privacy controls or mechanism;

Content that is misleading, illegal, fraudulent, deceptive, or could lead to harm;

Personal information or or sensitive information of others in violation of their privacy or data protection rights;

Content, including images, that infringes

Content that may be libelous, slanderous, or otherwise defamatory;

Political content, including for dissemination in electoral campaigns;

Spam, ransomware, keyloggers, viruses or other software;

Hateful, harassing, abusive, violent, or highly offensive content

Pornographic material, images of explicit nudity, depictions of graphic violence or gore

Impersonate any person or entity

Intentionally or unintentionally violate any applicable law or regulation.

Qualifications & exceptions

The ban on using AI Products to obtain financial advice sits alongside statements that AI features are informational and not advice.

Content & IP Rights · Restriction or exception

You’re responsible for AI inputs and outputs, must not enter sensitive personal data, and must label AI output

You are responsible for anything you type or upload into AI Products ("Input") and anything they generate for you ("Output"), together "AI Content", including making sure it complies with law and terms before you use or share it. You must not include anyone's sensitive personal data in Inputs, such as your Social Security, passport or driver's license numbers, or data on racial or ethnic origin, political opinions, religious beliefs, union membership, health, sex life or sexual orientation. When you use Outputs, you must tell viewers the content is AI-generated. You promise you have the rights to provide your Inputs and that they don't infringe anyone's IP, privacy, publicity or other rights. You must verify the accuracy of all AI Content.

Supporting quotations

You are responsible for any text you type or images, content, or data you upload into AI Products (“Input”)

You agree that you will not include any sensitive personal data of any individual

When using Outputs, you agree to inform viewers of those Outputs that the content is AI-generated.

you own or have secured all necessary rights, licenses, consents, and permissions to provide the Inputs to Cash App

it is your responsibility to verify the accuracy of all AI Content

Content & IP Rights · Permission or license

You own your AI content but give Block a perpetual, irrevocable license; don’t use AI if you object

As between you and the company, to the extent the law allows, you own your AI Content. But you grant the company, its subsidiaries, affiliates and successors a worldwide, non-exclusive, royalty-free, fully paid, transferable, irrevocable, perpetual, sublicensable license to use, reproduce, modify, adapt, publish, make derivative works of, distribute, perform and display it in any media for any reason, including to provide, promote or build it into the AI Products. If you don't want to grant this license, don't use the AI Products. You can modify or remove Outputs or close your account, but Inputs and Outputs may persist in archived or cached copies. The company won't claim copyright ownership of them, but may disclose allegedly unlawful content to law enforcement, government or in response to a court order.

Supporting quotations

As between you and the Company, to the extent permitted by law and subject to the applicable terms, you own your AI Content.

You grant us and our subsidiaries, affiliates, and successors a worldwide, non-exclusive, royalty-free, fully-paid, transferable, irrevocable, perpetual, and sub-licensable right to use

including to provide, promote, and/or incorporate into the AI Products.

IF YOU DO NOT WISH TO GRANT BLOCK A LICENSE TO ANY OF YOUR AI CONTENT, PLEASE DO NOT USE BLOCK’S AI PRODUCTS.

but your Inputs and Outputs may persist in historical, archived or cached copies and versions thereof available on or through the AI Products.

We agree not to make any copyright ownership claim over your Inputs or Outputs.

we may disclose such content to law enforcement or other governmental authorities, or in response to a court order.

Not stated here

Whether the license allows using AI Content to train or improve AI models is not addressed; the license covers use "for any reason".

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.

Content & IP Rights · Restriction or exception

Don’t use AI to infringe others’ copyrights, trademarks or privacy

You may not use AI Products to create content violating others' copyright, trademark, privacy or other rights, for example generating a brand's logo, uploading copyrighted images, or using someone's personal information unlawfully. If unsure, Cash App recommends consulting your own legal advisor first.

Supporting quotations

You may not use AI Products to create content that violates third-party copyright, trademark, privacy or other rights.

entering text prompts to generate a third-party brand logo, uploading an Input image that includes a third party’s copyrighted content

Content & IP Rights · Restriction or exception

You may not use Cash App AI outputs to train other AI models

You agree not to use AI Products, or let others use any content, data or Outputs from them, to create, train, test or improve any machine learning or AI system, including models and weights. This restriction applies to users; it says nothing about whether Cash App or its providers train on your data.

Supporting quotations

When using our AI Products, you agree you will not use them to train other AI or Machine Learning models.

use any content, data, Outputs or other information received or derived from AI Products, to directly or indirectly create, train, test, or otherwise improve any machine learning algorithms or artificial intelligence systems

Sharing & Disclosure · Permission or license

Your AI inputs, including personal data, may go to third-party AI providers under their terms

Cash App may use third-party technology providers for some AI functionality. Any Input you provide, including personal data you include, may be shared with them to make the features work. Using AI Products means you direct and consent to transferring personal data in your Inputs to these third parties, and your use is subject to their terms.

Supporting quotations

We may use technology provided by third party service providers to provide some functionality for AI Products.

You acknowledge that any Input you provide, including any personal data you choose to include within that Input, may be shared with such third party service providers to enable functionality within AI Products.

By using AI Products, you direct and consent to personal data you include in an Input being transferred to these third parties, and you agree that your use is subject to the terms of those third parties.

Not stated here

The third-party providers and their terms are not identified.

Sharing & Disclosure · Company practice

Third-party AI providers may use your data, including personal data in inputs, to improve their own services

Cash App may share your data with selected third-party providers it uses for AI Products, and those providers may use your data to improve their own services. This may include personal data you put in Inputs, and the Privacy Notice applies to how that personal data is handled.

Supporting quotations

We may also share your data with select third party service providers we engage to enable functionality within AI Products and they may also use your data to improve their services.

This may include any personal data you choose to include within such Input

Not stated here

The providers are not named and the linked Privacy Notice was not supplied.

Charges & Financial Obligations · Permission or license

Cash App can take money you owe from any linked account or card, repeatedly and without notice

You authorize the company to recover funds under these and other agreements, including amounts you owe or in cases of fraud or illegal activity. It may debit, charge, set off against or otherwise recover from your Account, Cash App Balance, Savings Balance, any Linked Account (including credit cards), connected company accounts, Business Balance or Reserve, and any payment instrument or external account registered to you. This lasts until your account is closed or all funds are disbursed, whichever is later. If an attempt fails, you grant new authorizations to retry for all or part of the amount, without prior notice, whether or not demand was made and whether the obligation is due yet, under network and NACHA rules, with the same effect as a signed paper authorization. If that fails, the company may contact you or take legal action to collect.

Supporting quotations

You authorize the Company to recover funds from you in accordance with these Service Terms and any other agreement you have with us, including if you owe amounts to us or for reason of fraud or illegal activity.

You authorize the Company to debit, charge, setoff against and otherwise recover funds from your Account, your Cash App Balance, your Savings Balance, any Linked Account (including your credit card)

Your authorization will remain in full force and effect until the later of closure or termination of your Account, or the disbursement of all funds held on your behalf.

in the event that any attempt to recover funds from you should fail, your authorizations hereunder include your grant to the Company of new, original authorizations to recover all or less than all of the amount you owe us or belong to us.

You authorize the Company to take the above steps without prior notice to you and irrespective of

If the Company is unable to recover the funds by these means, the Company may attempt to contact you or may take other legal actions to collect the amounts due, to the extent allowed by applicable law.

Qualifications & exceptions

Free Overdraft Coverage balances are separately described as non-recourse with no collection.

Charges & Financial Obligations · Permission or license

Money you received can be clawed back if the sender disputes it, even making your balance negative

Cash App may also recover funds in connection with disputes: if someone who paid you disputes the payment and asks for reimbursement, Cash App may take the disputed amount from your Cash App Balance or Savings Balance; and if you win a dispute with an outside funding source, Cash App may recover the funds from your Account. If you lack enough funds, your account may go negative. Cash App is not liable for funds it recovers from your balances to cover a negative balance on linked company accounts, amounts owed under its terms, pending disputes or chargebacks, or financial risk.

Supporting quotations

We may also recover funds from your Account in connection with a disputed transaction.

If a Cash App customer that sent you money disputes the payment and requests reimbursement for a payment you previously received, the Company may recover the amount disputed or owed from your Cash App Balance and/or your Savings Balance.

If you initiate a transaction dispute with an external funding source and win that dispute, we may recover the funds from your Account.

If there aren’t sufficient funds in your Account to cover the disputed amount, you understand that the Company's recovery of these funds may cause your account to become negative.

The Company is not liable for funds that we recover from your Cash App Balance and/or your Savings Balance to cover:

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.

Charges & Financial Obligations · Permission or license

Cash App may freeze or hand over your funds for subpoenas, levies, garnishments and liens

The company may freeze, withhold or remit funds in your Account in response to a subpoena, court order, search warrant, notice or other binding order from a government authority or third party, including tax levies, garnishment orders or lien notices.

Supporting quotations

The Company may freeze, withhold, or remit funds in your Account in response to a subpoena, court order, search warrant, notice, or other binding order from a governmental authority or third party, including but not limited to tax levies, garnishment orders, or lien notices.

Charges & Financial Obligations · Restriction or exception

Cash App may restrict funding sources; outside prepaid and gift cards can’t fund transactions

The company may limit which funding sources are available for any transaction at any time. You may not use unaffiliated prepaid cards or gift cards to fund Cash App transactions.

Supporting quotations

The Company may limit the funding sources available for a specific transaction at any time in its sole discretion. You may not use unaffiliated prepaid cards or gift cards to fund transactions on the Cash App.

Account & Service Control · Restriction or exception

You must follow the law and NACHA rules; no card-system abuse, cash advances or rewards cycling

You alone are responsible for complying with all laws in your use of the service and all communications you send through it, and you agree to applicable NACHA rules. You may not use the service in a way the company or the card networks reasonably believe abuses the card system or breaks network rules, give yourself (or help others get) a cash advance from a credit card, or make transactions solely to earn credit card rewards, points or miles.

Supporting quotations

You agree that you are independently responsible for complying with all applicable laws in all of your activities related to your use of the Service and for all communications you send through the Service. You also agree to be bound by any applicable NACHA rules.

use your Account or the Service in a manner that the Company, Visa, MasterCard, American Express or Discover reasonably believe to be an abuse of the payment card system or a violation of payment card association rules

(b) provide yourself a cash advance from your credit card (or help others to do so), or (c) use the Service to make transactions for the sole purpose of earning rewards, perks, miles, points, etc. with your credit card.

Charges & Financial Obligations · Permission or license

Cash App may block or reverse any transaction; you bear the costs of resolving prohibited ones

Cash App may block, refuse or reverse any transaction in its sole discretion. It will promptly notify affected parties, except when the transaction is prohibited by these terms or law. Neither Cash App nor its delegates are liable for claims or damages from prohibited transactions, and you bear all research and resolution costs for misapplied, misposted or misdirected prohibited transactions.

Supporting quotations

We reserve the right to block, refuse, or reverse any transaction, in our sole discretion.

We will notify the affected parties promptly if we decide to do so, but notification is not required if the transaction is prohibited by these terms or applicable law.

All costs for research and resolution for any misapplied, misposted or misdirected prohibited transactions will be your sole responsibility and not ours.

Account & Service Control · Restriction or exception

Acceptable use bans sanctions violations, scraping, reverse engineering, overloading, reselling and weapons sales

Use of Cash App is subject to its Acceptable Use Policy. Except where the law prohibits this, you may not, or let others: violate U.S. Treasury OFAC sanctions regulations (31 C.F.R. Parts 500-599), including activity involving Iran, Cuba, North Korea, Syria or Crimea, which may lead to termination and funds being held indefinitely; scrape or monitor company systems with bots; bypass technical limits, enable disabled features, or reverse engineer the service (unless the law forbids that restriction); interfere with or overload the service; copy, republish, resell or distribute company materials; transfer your rights under these terms; sell firearms, ammunition or weapons; use it for illegal activity or in ways that expose others to harm; or use it except as the terms allow.

Supporting quotations

Your use of Cash App and the Services are subject to Cash App’s

Except where prohibited by law, you may not, nor may you permit any third party, directly or indirectly, to:

engage in any activity that may be in violation of regulations administered by the United States Department of the Treasury’s Office of Foreign Asset Control (31 C.F.R. Parts 500-599).

If found to be in apparent violation of these restrictions, your account could be terminated and your funds could be held for an indefinite period of time;

access or monitor any material or information on any Company system using any manual process or robot, spider, scraper, or other automated means;

or decompile, disassemble or otherwise reverse engineer the Services;

perform or attempt to perform any actions that would interfere with the proper working of the Services

copy, reproduce, alter, modify, create derivative works, publicly display, republish, upload, post, transmit, resell or distribute in any way materials, information or Services from the Company;

transfer any rights granted to you under these Cash App Terms;

use the Services for the sale of firearms, firearm parts, ammunition, weapons or other devices designed to cause physical harm;

use the Services for any illegal activity or goods or in any way that exposes you, other Company users, our partners, or the Company to harm; or

otherwise use the Services except as expressly allowed under these Terms.

Not stated here

The linked Acceptable Use Policy was not supplied.
The OFAC regulations are external law and not supplied.

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.

Data Access & Collection · Company practice

Cash App may get updated card numbers and expiry dates from its partner and update your account

If your linked credit or debit card number or expiration date changes, Cash App may obtain the new information from its financial services partner and update your Account.

Supporting quotations

If your credit card or your debit card account number changes or the expiration date changes, we may acquire that information from our financial services partner and update your Account accordingly.

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.

Account & Service Control · Permission or license

Cash App can terminate your account or any service at any time for any reason; you can deactivate anytime

The company may terminate these terms, or suspend or terminate your Account, any associated or Sponsored Account, or your access to any service, at any time for any reason, including violations. It may add, remove, suspend, stop, delete, discontinue or condition any service or feature. It will take reasonable steps to notify you by email or in the app the next time you try to access your Account. You may end these terms for your Account by deactivating it at any time.

Supporting quotations

We may terminate these Cash App Terms or any Terms, or suspend or terminate your Account or your access to any Service, and the same for any associated Account or Sponsored Account, at any time for any reason, including for a violation of these Cash App Terms.

We may add or remove, suspend, stop, delete, discontinue or impose conditions on Services or any feature or aspect of a Service.

We will take reasonable steps to notify you of termination or these other types of Service changes by email or within the app at the next time you attempt to access your Account.

You may also terminate the Cash App Terms applicable to your Account by deactivating your Account at any time.

Account & Service Control · Restriction or exception

On termination your rights end, your data may be deleted, and Cash App owes no compensation; key terms survive

If these terms or your Account end or are suspended for any reason, your license and other rights end, the company may delete your information and account data, and it owes no compensation, reimbursement or damages for the termination, suspension or deletion. Sections on your content, ownership, copyright, effect of termination, indemnity, no warranties, liability limits, third-party products, disputes, arbitration, governing law, assignment and other provisions survive.

Supporting quotations

(a) the license and any other rights granted under these Terms will end, (b) we may delete your information and account data stored on our servers, and (c) we will not be liable to you or any third party for compensation, reimbursement, or damages for any termination or suspension of the Services, or for deletion of your information or account data.

The following Sections of these Cash App Terms survive and remain in effect in accordance with their terms upon termination:

Qualifications & exceptions

The survival list cites "XXIII.21 (Assignment)"; Assignment appears as XXIII.22.

Not stated here

How long data is kept before deletion, and any legal retention duties, are not stated here.

Charges & Financial Obligations · Restriction or exception

On closure pending transactions settle; remaining funds may be released at Cash App’s discretion or held

When your Account is terminated, closed or suspended, pending transactions are settled. Funds Cash App holds for you, less fees, may be made available to withdraw at its discretion and subject to these terms, and it may require you to link a new bank account not previously associated with your Account to withdraw. Cash App may hold your funds to protect against reversals, chargebacks, claims, fees, fines or other liability, and may hold them until any pending investigation is resolved.

Supporting quotations

Any pending transactions at the time of termination, closure, or suspension of your Account will be settled.

(1) may be made available for you to withdraw in the Company's discretion and subject to the other conditions in these Cash App Terms, and (2) we may require you to link a new bank account that has not been associated with your Account to withdraw such funds.

We reserve the right to hold your funds at our discretion to protect the Company or a third party against the risk of reversals, chargebacks, claims, fees, fines, penalties and other liability.

if an investigation is pending at the time of closure, we may hold your funds until resolution of the investigation.

Not stated here

No maximum hold period is stated.

Charges & Financial Obligations · Company practice

Long-inactive balances may be turned over to the state as unclaimed property after notice

If your Account is inactive for a long time it may be considered unclaimed or abandoned under your state's law. Cash App will give notice as the law requires, and if funds remain it will turn them over to the state (escheat) as required.

Supporting quotations

If your Account is inactive for an extended period of time it may be deemed “unclaimed” or “abandoned” under your state’s law. If this occurs, the Company will provide you with notice as required by applicable law.

If funds still remain in your Account, the Company will escheat such funds as required by applicable law.

Charges & Financial Obligations · Company practice

Referral bonuses follow current program terms or Cash App’s sole discretion

Cash App may offer referral programs or incentives for inviting others. Any bonuses are subject to the current referral program terms, if any, and otherwise to Cash App's sole discretion.

Supporting quotations

Any bonuses or incentives under such Referral Program shall be subject to the then current Referral Program terms, if applicable, and otherwise at our sole discretion.

Charges & Financial Obligations · Restriction or exception

You owe all taxes from using Cash App; prices exclude taxes and payments are free of deductions

You are responsible for all taxes arising from your purchase or use of the service, unless the company voluntarily chooses to absorb them, which it need not do and can stop at any time. Unless stated otherwise, amounts due are exclusive of taxes, including "Indirect Taxes" such as sales, use, VAT and similar taxes, which the company may charge as the law requires and you agree to pay. Payments to the company must be made without deductions or withholdings; any required withholdings (other than taxes the company charges and remits) are yours to pay separately. West Virginia residents: West Virginia sales tax is paid for you on certain taxable fees, where applicable.

Supporting quotations

You are responsible for all applicable taxes that arise from or as a result of your purchase and/or use of the Service, except to the extent the Company voluntarily decides to absorb any such taxes

Unless otherwise expressly stated, all amounts due under these Cash App Terms are exclusive of any taxes, including Indirect Taxes.

The Company may charge you applicable Indirect Taxes on purchase or use of the Service, as required by law, which you agree to pay.

all sums payable by you to the Company under these Cash App Terms shall be paid free and clear of any deductions or withholdings whatsoever.

FOR WEST VIRGINIA RESIDENTS: Where applicable, West Virginia sales tax is being paid for you for certain fees, which are subject to taxation in West Virginia.

Sharing & Disclosure · Company practice

You must work out and pay taxes on your transactions; Cash App may withhold and report as the law requires

You must determine what taxes or charges apply to your transactions, including virtual currency, and report and pay them; the company is not responsible for deciding whether taxes apply. If authorities require withholding, the company pays you net of those amounts, which count as paid to you. You certify your information is accurate and consent to its use for payment, withholding and filing obligations. The company may have to report "Tax Information" to tax authorities or to you, may ask you to provide and recertify information, will report as required, and may, but need not, send you copies. Remittances may be subject to taxes and fees that reduce what the recipient gets or are charged to you; the company disclaims liability for them.

Supporting quotations

It is your responsibility to determine what, if any taxes, fees or other governmental charges may apply to the transactions you complete in connection with your use of the Service (including Virtual Currency Services)

To the extent obligated by the relevant governmental authorities that we are required to deduct or withhold any amounts from payment, we will make the required payment net of such amounts.

The Company disclaims liability for any such taxes and fees, which shall be borne either by you or by the Designated Recipient.

The Company may be obligated under applicable laws to report certain information to tax and revenue authorities (“Tax Information”) and/or you with respect to your use or purchase of the Service.

If required by applicable law, we will report to the applicable tax and revenue authorities required Tax Information. We also may, but are not obligated to, send to you the Tax Information reported.

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.

Charges & Financial Obligations · Company practice

Whoever starts the arbitration pays the filing fee under NAM rules

Under the NAM rules, the party that starts the arbitration, you or the company, pays the filing fee. For the arbitration agreement, "you" and "the Company" include subsidiaries, affiliates, agents, employees, predecessors, successors, assigns and authorized users or beneficiaries.

Supporting quotations

In accordance with the NAM Rules, the party initiating the arbitration (either you or us) is responsible for paying the applicable filing fee.

references to you and the Company also include respective subsidiaries, affiliates, agents, employees, predecessors, successors and assigns as well as authorized users or beneficiaries of the Services.

Qualifications & exceptions

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

Not stated here

The NAM fee amounts and who pays other arbitration costs are set by external rules not supplied.

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.

Charges & Financial Obligations · Restriction or exception

Business customers agree they are not consumers and split arbitrator hourly fees evenly

For Business Account customers, the party starting arbitration pays the NAM filing fee. You agree you do not intend to use the service for personal, family or household use, so for arbitration costs you are not a "consumer" and NAM's Comprehensive Fees schedule applies. The arbitrator's hourly fees are split evenly between the parties. This differs from the individual provision, which does not include these consumer-status or fee-splitting terms.

Supporting quotations

In accordance with the NAM Rules, the party initiating the arbitration (either you or us) is responsible for paying the applicable filing fee.

You agree that you do not intend to use the Service for personal, family or household use. Accordingly, for purposes of calculating any arbitration costs and fees, you and the Company agree that you are not a "consumer," and that the NAM Comprehensive Fees schedule will apply.

The arbitrator’s hourly fees (also referred to as Arbitrator Hearing Time) shall be split evenly between the parties.

Qualifications & exceptions

Business Account arbitration provision.

Not stated here

The NAM Comprehensive Fees schedule amounts are external and not supplied.

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.

Account & Service Control · Context

Beta users get early features with bugs and monitoring; leaving beta doesn’t affect funds

Cash App may offer some users its Beta program, giving early access to new versions and features; the experience may differ and features can change without notice. Expect bugs and crashes, and Cash App may monitor beta feature performance. You can leave anytime via TestFlight ("Stop Testing") or Google Play ("Leave Beta"), and Cash App may remove your access for any reason, including inactivity; you may need to reinstall the public app. Beta use or removal does not affect your account or funds, and Cash App says your financial data follows its standard privacy and identity protocols.

Supporting quotations

If you join the Cash App Beta program, you will receive early access to upcoming versions of Cash App and new features before they are available to all Cash App users.

you should expect occasional bugs and crashes when using Cash App Beta. We may monitor the performance of these beta features

You may opt-out of using Cash App Beta at any time, without penalty

Cash App reserves the right to remove your access to Cash App Beta at any time and for any reason, including but not limited to inactivity.

Your use of Cash App Beta, or the removal of your access to Cash App Beta, has no impact on your Cash App account(s) or the funds you hold within Cash App.

Account & Service Control · Context

Contact Cash App by in-app chat, 1-800-969-1940, mail, or cash.app/help

You can reach Cash App through in-app chat, at 1-800-969-1940 (its only support number), by mail to Cash App, 1955 Broadway, Suite 600, Oakland, CA 94612, or at cash.app/help. Representatives will never ask for your password, PIN or full debit card number.

Supporting quotations

You can access your Account and Services through the app or at the cash.app website.

Contact us through the app by using the chat function,

Call us at 1-800-969-1940- please note this is the only phone number available for Cash App Support;

Write to us at Cash App, 1955 Broadway, Suite 600, Oakland, CA 94612, or

Reach out through cash.app/help

Note: Cash App representatives will never ask your for your password, PIN, or full debit card number.