Block, Inc.

If you have a legal dispute with Cash App, you cannot sue in court or join a class action — everything goes to private individual arbitration, and you give up your right to a jury trial.

ANY ARBITRATION UNDER THESE CASH APP TERMS WILL ONLY BE ON AN INDIVIDUAL BASIS; 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.

Cash App Terms of Service, Section XXIII.20 Binding Arbitration

If many customers bring similar complaints, only 12 test cases move forward and everyone else's claim is frozen while those play out — a mechanism designed to slow mass claims. There IS a 30-day mail-in opt-out (mailed to Block, 1955 Broadway, Suite 600, Oakland, CA 94612), so it's slightly less harsh than peers with no opt-out at all.

You and the Company agree that 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")... all other demands for arbitration that are part of the Mass Proceeding shall be held in abeyance and stayed.

Cash App Terms of Service, Section XXIII.20 Bellwether Arbitration Procedures

Your transactions and account data can be fed into training AI/ML models, and Cash App builds a profile of your credit risk, shopping habits, and preferences from your data.

Improving, personalizing and facilitating your use of our Services, content and applications, including by training artificial intelligence (AI) and other machine learning models; Drawing inferences from any of the information we collect to create a profile about you that may reflect, for example, your credit risk profile, your preferences, characteristics, shopping habits, and other behavior.

Cash App Privacy Notice, 'How We Use Your Information'

Cash App runs an ad network that uses your shopping history, card transactions, and location to serve personalized ads for other brands — this is opt-out (not opt-in) in most states, so it's on by default.

Starting on or after February 9, 2026: In connection with our commerce media network, we may use data about your activity, such as your shopping history, app browsing behavior, card transactions, and general location information to show you personalized advertisements for other brands outside of Cash App. You can opt out of (or where required by applicable law, opt into) this activity by visiting Account & Settings in your account and clicking Privacy.

Cash App Privacy Notice, 'How We Use Your Information — Advertising and Marketing'

Cash App can rewrite the terms whenever it wants, decides for itself what counts as reasonable notice, and simply using the app afterwards counts as you agreeing to the new terms.

We may amend these Cash App Terms at any time with notice that we deem to be reasonable under the circumstances... Your continued use of the Services after the posting of a Revised Version constitutes your acceptance of such Revised Version.

Cash App Terms of Service, Section II Revisions, Disclosures and Notices

Closing your account does not delete your data — Cash App keeps it indefinitely under broad justifications like fraud prevention and 'any other actions consistent with applicable law.'

Even after you close your account, we can retain information about you and any transactions or Services in which you may have participated for a period of time that is consistent with certain criteria, such as applicable law, applicable statute of limitations, or as we believe is reasonably necessary to comply with applicable laws... to detect or prevent fraud, to collect fees owed, to resolve disputes... or to take any other actions consistent with applicable law.

Cash App Privacy Notice, 'How Long We Keep Your Information'

Anything you upload (photos, payment notes, AI-generated content) gets Cash App a permanent, irrevocable, sub-licensable license — and this license survives even after you terminate your account.

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... The following Sections of these Cash App Terms survive and remain in effect in accordance with their terms upon termination: V.1 (Your Content)...

Cash App Terms of Service, Sections V.1 Your Content and XXIII.10 Effect of Termination

Even if Cash App's error loses your money, the most you can ever recover is $500 or 3 months of the fees they collected from you — and since Cash App's core service is free, the cap is effectively $500.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, 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.

Cash App Terms of Service, Section XXIII.17 Limitations of Liability and Damages

Cash App can shut down your account at any time for any reason, and in some cases your money can be held for an indefinite period — with no fixed timeline for getting it back.

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... If found to be in apparent violation of [sanctions] restrictions, your account could be terminated and your funds could be held for an indefinite period of time.

Cash App Terms of Service, Sections XXIII.9 Termination and XXIII sanctions clause