PayPal vs Cash App

Disputes generally must go through individual arbitration or small claims court, and class actions are barred. That limits users’ ability to sue together in court, though there is an opt-out window.

PayPal can revise the agreement and related policies, and continued use means you accept the changes. If you do not agree, your main remedy is to close the account.

PayPal can place holds, limits, or reserves on accounts when it sees risk, disputes, or regulatory issues. That can delay access to money for months in some cases.

PayPal collects extensive data including identifiers, payment details, device data, geolocation, cookies, and even biometric data with consent. This gives the company a very detailed picture of user activity.

Personal information may be disclosed to service providers, group companies, payment networks, fraud and credit agencies, debt collectors, other users, and business partners. That increases the number of entities seeing user data.

PayPal generally keeps account-related personal information for the relationship plus up to 10 years, and biometric data up to 3 years after account closure. That is a long storage period for sensitive financial data.

Linking a payment method authorizes PayPal to charge it for sends, purchases, disputes, and amounts owed. Unlinking does not fully stop charges for already-authorized transactions or dispute-related amounts.

PayPal uses cookies and tracking technologies for advertising, analytics, and fraud prevention, and says it does not respond to Do Not Track settings. Users who disable cookies may lose features.

Users have a right to receive account statements and can view them in the account. That helps with recordkeeping and spotting unauthorized activity.

The policy says users may request access, correction, deletion, objection, and consent withdrawal, subject to verification and legal exceptions. That gives users meaningful, though not unlimited, control over their data.

Cash App can revise the Terms and your continued use counts as acceptance. That means important rights or obligations can change without a separate opt-in from you.

The privacy notice allows sharing with affiliates, service providers, merchants, and advertising partners, including for personalized ads. This can expose your activity across the broader Block ecosystem and ad tech partners.

Cash App keeps information as long as needed for fraud, fees, disputes, legal compliance, and defense of rights, even after account closure. That means deletion/closure does not mean immediate erasure.

The Terms explicitly direct users to individual arbitration provisions for legal disputes. This usually limits the ability to sue in court and may restrict class actions.

Users can ask Cash App to close their account and, in some jurisdictions, request deletion of personal information. This gives a meaningful off-ramp, even though retention exceptions still apply.

Cash App says it may use shopping history, app browsing behavior, card transactions, and general location to show personalized ads outside the app. Users can opt out, but the default posture is ad profiling.

The website does not respond to browser DNT signals. If you rely on browser-level tracking controls, Cash App says those signals won’t be honored.

By using the service, you agree to the Terms and referenced policies, including dispute-resolution terms. Practical effect: many disputes will be governed by the posted contract rather than general consumer expectations.

The privacy notice says some users can request their information in a portable format. That is useful if you want to move records to another provider or keep a copy of your data.

You can choose whether Cash App accesses your phone contacts, and the settings let you stop sharing them later. This limits one common source of invasive contact syncing.

The policy gives concrete ways to exercise privacy rights by support portal or phone, and mentions opt-outs for targeted advertising and some state-law rights. That makes the process more accessible than many services.