Cash App

Cash App offers limited fraud protection and disputes can be hard to resolve, with funds subject to holds. Mandatory arbitration and a class-action waiver apply.

🚨 Key things to watch out for

The clauses that could affect you the most. Read these even if you skip everything else.

Disputes must go to individual arbitration with no class actions or jury trials — but you can opt out within 30 days of opening your account by mailing a written notice.

XXIII-20

Cash App's total liability to you is capped at just $500 in most cases, no matter how large your loss.

Loading breakdown…

📋 Every clause, explained

Browse what the terms actually say — filter by severity or by topic.

Topics covered

Show:

Showing 30 clauses

IIRevisions, Disclosures and Notices2 clauses

⚠️

Unilateral changes with continued-use consent

📝Can change terms anytime

II-A

💬 Cash App can change the terms whenever it wants, and simply continuing to use the app means you accept the new terms. You may not get a direct, prominent notice — a website posting can count.

▶Show original legal text

“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.”

⚠️

Electronic notices deemed received in 24 hours

📌Other

II-B

💬 Legal notices are treated as delivered to you within 24 hours of posting/emailing even if you never actually saw them. To stop electronic-only communications you may have to close your account.

▶Show original legal text

“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.”

VData and Service Usage and Ownership4 clauses

🔴

Perpetual, irrevocable license to your content

📄Claims your content

V-A

💬 Anything you upload (photos, feedback, logos, etc.) can be used by Cash App forever, anywhere, for any purpose, and it can license this to others — with no payment to you and no way to revoke it.

▶Show original legal text

“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.”

⚠️

Company is sole arbiter of ownership disputes

📌Other

V-B

💬 If there is a fight over who owns an account, Cash App alone decides the outcome and you have no independent appeal.

▶Show original legal text

“In the event of any dispute between two or more parties as to account ownership, we will be the sole arbiter of such dispute.”

ℹ️

Free use of your submitted ideas

📌Other

V-C

💬 Any suggestions or ideas you send can be used by Cash App with no compensation or credit to you.

▶Show original legal text

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

⚠️

AI features access your account and transaction data

🤖AI training on your data

V-D

💬 Cash App's AI tools can read your personal account info, balances, and transaction history to power their features.

▶Show original legal text

“AI-Powered Chat and Interfaces may access and process your Account Information, transaction history, balances, and usage patterns.”

VICash App Balance1 clause

⚠️

You forfeit interest on your balance

📌Other

VI-A

💬 Unless you specifically enroll in the yield feature, Cash App keeps any interest earned on your money instead of paying it to you.

▶Show original legal text

“Unless you are enrolled in the Savings Yield feature, you irrevocably transfer and assign to the Company all rights in any interest accrued on your Cash App Balance and Savings Balance funds.”

VIIPeer-to-Peer Service2 clauses

🔴

No recourse for scams or misdirected payments

🛡️Limits their liability

VII-A

💬 If you send money to the wrong person or fall for a scam, Cash App does not have to help you get it back — the loss can be permanent.

▶Show original legal text

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

⚠️

Automatic clawback of 'invalid' payments

📌Other

VII-B

💬 Cash App can decide a payment was invalid and pull money back out of your balance or linked bank account without needing your further approval.

▶Show original legal text

“If we later determine a P2P Payment was invalid for any reason, you authorize us to move funds from the applicable Cash App Balance or Linked Account in an amount equal to the P2P Payment.”

VIIICash App Card and Cash App Tag2 clauses

⚠️

No right to stop card payments

📌Other

VIII-A

💬 Once a Cash App Card transaction is started, you cannot cancel or stop it.

▶Show original legal text

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

⚠️

Card cancellation at sole discretion

⛔Account termination

VIII-B

💬 Cash App can shut off or cancel your card whenever it chooses.

▶Show original legal text

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

IXVirtual Currency Services3 clauses

🔴

Total loss risk and irreversible crypto transfers

🛡️Limits their liability

IX-A

💬 With crypto/stablecoin transfers, if you enter a wrong address the money is gone permanently and Cash App will not recover it.

▶Show original legal text

“You are solely responsible for accurate withdrawal instructions; funds sent to an incorrect or incompatible address result in permanent, irreversible loss.”

⚠️

Fees changeable without notice; no cancellations

📌Other

IX-B

💬 Crypto transaction fees can be raised at any time with no warning, and once you submit a buy/sell/transfer you cannot cancel it.

▶Show original legal text

“We may charge fees for Virtual Currency transactions. We may change the fees at any time, with or without notice.”

ℹ️

Company is not your broker/advisor

📌Other

IX-C

💬 Cash App owes you no fiduciary duty on crypto — you bear all the risk of your decisions.

▶Show original legal text

“You agree that we are not acting as your broker, intermediary, agent, or advisor, or in any fiduciary capacity.”

XICash App Business Account1 clause

ℹ️

No warranties on other sellers' goods/services

🛡️Limits their liability

XI-A

💬 If you buy from a business using Cash App, Cash App isn't responsible for the quality or delivery of those goods — deal with the seller directly.

▶Show original legal text

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

XIITransaction Information and Disputes2 clauses

⚠️

Liability for unauthorized transactions rises with delay

🛡️Limits their liability

XII-A

💬 You must report a lost/stolen card or unauthorized transfer fast. Report within 2 business days to cap your loss at $50; wait longer and you could lose $500 or more, and after 60 days you may not get anything back.

▶Show original legal text

“If you tell us within 2 Business Days, you can lose no more than $50; if not, you could lose as much as $500. If your statement shows transfers you did not make and you do not tell us within 60 days of the first statement, you may not get back money lost after the 60 days.”

🔴

Business accounts liable for all unauthorized transactions

🛡️Limits their liability

XII-B

💬 If you have a Business Account, you can be held responsible for the full amount of any unauthorized transactions with no cap.

▶Show original legal text

“Business Accounts may be liable for all Unauthorized Transactions.”

XVRemittance Service1 clause

ℹ️

Company profits on exchange rate

📌Other

XV-A

💬 Cash App can build a hidden markup into the currency exchange rate when you send money abroad.

▶Show original legal text

“Cash App may make money on the exchange rate applied to your transaction.”

XXIIGenerative AI Terms of Use2 clauses

⚠️

Broad license to your AI inputs and outputs

📄Claims your content

XXII-A

💬 Whatever you type into or get out of the AI features can be broadly used by Cash App under a license you grant them.

▶Show original legal text

“You are responsible for any Input and Output ("AI Content"); you grant the Company a broad license to your AI Content.”

⚠️

AI inputs shared with third parties

🔗Shares with third parties

XXII-B

💬 What you enter into AI features may be passed to outside companies to make the features work.

▶Show original legal text

“We may share your Input with third party service providers to enable AI Product functionality.”

XXIIIOther Legal Terms10 clauses

🔴

Broad right to seize funds across your accounts

📌Other

XXIII-A

💬 Cash App can pull money from any of your balances, linked bank accounts, or cards to recover what it believes you owe — even if it drives your account negative.

▶Show original legal text

“You authorize the Company to debit, charge, setoff against and otherwise recover funds from your Account, Cash App Balance, Savings Balance, any Linked Account, any connected Company Account, and any registered payment instrument, if you owe amounts to us or for reason of fraud or illegal activity, or in connection with a disputed transaction. Recovery may cause your account to become negative.”

🔴

Termination for any reason at any time

⛔Account termination

XXIII-B

💬 Cash App can suspend or close your account whenever it wants, for any reason, without explanation.

▶Show original legal text

“We may terminate these Cash App Terms, suspend or terminate your Account or access to any Service, at any time for any reason.”

⚠️

Funds can be held after closure

🗄️Data retention

XXIII-C

💬 After your account closes, Cash App can keep holding your money for a range of reasons before releasing it.

▶Show original legal text

“We reserve the right to hold your funds to protect against reversals, chargebacks, claims, fees, fines, penalties, or a pending investigation.”

ℹ️

Escheatment of inactive funds

📌Other

XXIII-D

💬 If you leave your account unused for a long time, your remaining balance may be turned over to the state as unclaimed property.

▶Show original legal text

“If your Account is inactive for an extended period, it may be deemed “unclaimed” or “abandoned” under your state's law, and the Company will escheat remaining funds as required by law.”

⚠️

Broad indemnification obligation

🛡️Limits their liability

XXIII-E

💬 You agree to cover Cash App's legal costs and damages for a wide range of claims connected to your use of the service — including anyone who uses your login.

▶Show original legal text

“You will indemnify, defend, and hold us and our processors harmless from and against any claims arising out of or relating to your breach of representations/warranties/obligations, your wrongful or improper use of the Services, your violation of any third-party right, your violation of any law, third-party claims regarding processing of your customer's Personal Information, and any party's access/use of the Services with your credentials.”

⚠️

No warranties / 'AS IS' service

🛡️Limits their liability

XXIII-F

💬 The service and hardware come with no guarantees — if something doesn't work as expected, that's your risk.

▶Show original legal text

“THE SERVICES AND ANY HARDWARE PRODUCTS (INCLUDING THE CASH APP TAG) ARE PROVIDED “AS IS” WITHOUT REPRESENTATION OR WARRANTY.”

🔴

Liability capped at $500

🛡️Limits their liability

XXIII-G

💬 No matter how much you lose, Cash App's maximum payout to you is generally just $500 (or the fees you paid in the prior 3 months, if higher).

▶Show original legal text

“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, OR (B) $500.”

🔴

Mandatory individual arbitration

⚖️Forced arbitration

XXIII-H

💬 You generally cannot sue Cash App in normal court; disputes must go through private arbitration. You can opt out within 30 days of opening your account by mailing a written notice.

▶Show original legal text

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

🔴

Class action and jury trial waiver

🚫No class action

XXIII-I

💬 You give up the right to join others in a class action or have a jury trial — you can only pursue claims individually.

▶Show original legal text

“ANY ARBITRATION WILL ONLY BE ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS, CLASS ACTIONS, REPRESENTATIVE ACTIONS, MASS ACTIONS, AND CONSOLIDATION ARE NOT PERMITTED. YOU WAIVE ANY RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION.”

ℹ️

California law and Oakland/Alameda venue

📍Jurisdiction

XXIII-J

💬 Any court case must be brought in California, which could be inconvenient and costly if you live elsewhere.

▶Show original legal text

“Court proceedings (other than small claims) are subject to 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.”

Cash App terms of service, explained in plain English — TOSTLDR