The documents contain several user-beneficial privacy rights and account controls, but they are outweighed by broad data sharing/advertising, automatic acceptance of term changes, discretionary account restrictions, and extensive retention and fee authority.
Cash App’s terms are fairly detailed and user-facing, but they include broad permissions for data use, frequent sharing with affiliates/partners, advertising, and strong company control over accounts and fees. Users get meaningful privacy rights in some jurisdictions, can delete/close accounts, and can opt out of certain targeted advertising, but the service also allows unilateral updates, extensive retention, and broad discretion to suspend or limit accounts.
Points of interest
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.
"“We can make updates to the Terms at any time… By continuing to use our services after these updates, you agree to the revised terms.”"
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.
"“we may share your information… with advertising partners… and advertising technology providers… who help us show you personalized ads”"
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.
"“Even after you close your account, we can retain information about you and any transactions or Services”"
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.
"“provisions which limit our liability… and those regarding individual arbitration for potential legal disputes”"
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.
"“You can ask us to close your account”"
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.
"“we may use data about your activity, such as your shopping history, app browsing behavior, card transactions, and general location information”"
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.
"“our websites are not designed to respond to DNT signals or similar mechanisms from browsers.”"
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.
"“By using the Service you agree to be bound by these Cash App Terms and any policies referenced within”"
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.
"“To receive the specific pieces of your personal information, including a copy of your personal information in a portable format.”"
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.
"“You can update your settings to stop sharing your phone contacts with us at any time.”"
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.
"“visit https://cash.app/support or call 1-800-969-1940”"
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Documents
Terms of Service
source ↗- •Using Cash App means you agree to the Terms and related policies, and if you use it for a business you confirm you can bind that business.
- •Cash App can update these Terms, and your continued use after posting means you accept the changes; disputes are governed by the Terms in effect when they arose.
- •You must be a US resident at least 18 (or the state age of majority) and provide identity and account information; Cash App may keep you on a restricted account or suspend/terminate access.
- •Cash App collects and shares account and transaction information, may process it for AI features, and you grant broad rights to use the content you post through the Services.
- •Depending on your account and card type, your Cash App balance may have FDIC pass-through coverage up to $250,000 if certain conditions are met; pending funds are excluded.
- •Cash App may charge various fees (including foreign transaction and transfer/card fees) and can change or add fees with reasonable notice.
- •Cash App holds your funds using banking partners and sweep arrangements, but you appoint Cash App as an agent for holding; funds can be swept and not all holdings get FDIC coverage.
- •Peer-to-peer payments generally cannot be stopped once processing begins, transfers not claimed within 15 days may be canceled, and fraud risks can lead to losses.
- •Cash App can suspend, restrict, or terminate services and may reverse or redirect transactions; prepaid, card, and virtual currency transactions have different dispute and refund limits.
- •Virtual currency is volatile and not FDIC/insurance-covered; withdrawals may be irreversible after submission, purchases/sales may be canceled or suspended, and Cash App may liquidate holdings in some cases.
Privacy Policy
source ↗- •The privacy notice applies to your use of Cash App’s website and services, and explains how Block, Inc. and affiliates collect, use, share, retain, and secure your information.
- •Cash App collects data you provide (identity and verification, contact info, financial details, transaction details, and sometimes biometric data) and data from your device use (including IP, location, device, and browsing activity).
- •You may choose to share phone contacts and other optional information to improve features, and you can change settings to stop sharing contacts.
- •Cash App may use cookies and similar technologies to collect automated data, for fraud prevention, compliance, service delivery, and advertising, including personalized ads via its commerce media network starting February 9, 2026.
- •Cash App shares information with other users for payments, affiliates and group companies, service providers, identity and fraud/credit partners, financial institutions, merchants, and advertising partners, and can share for legal or safety
