We’ve included annotations in the gray boxes below to
emphasize certain portions of our notice and help guide
you as you read them. Annotations aren’t part of the terms
and have no legal effect, but they should help you follow the
text.
This page explains our terms for Cash App. By using the
service, you agree to these terms. If you use the service on
behalf of your company, your company agrees to them too.
Using Cash App requires that you open an account. You
need to be a U.S. resident and at least 18 years old. If you
want to use your account balance to send money to another
Cash App customer or use certain Cash App products or
services, then you’ll need to give us some more information
about you that we will use to verify your identity.
This is also the part where you tell us you own the email or
phone number you registered with and that the personal
information you provide to us is correct. You agree to
cooperate with us so that we can verify your identity. We
might use third parties to help us do so.
You may choose a unique username for Cash App, which will
be your “$Cashtag.” If you choose a $Cashtag that is
confusing or deceptive, we may change it.
Here’s where we describe your consent to receive texts
from us and your representations regarding texts we send
to others relating to your payments. You also consent to us
sending messages to your email. You can opt out of
communications in ways that are specific to that
communication method, such as by unsubscribing from
emails, or replying to text messages with ‘STOP’.
You retain all rights to your content when you upload it into
our services, but you do give us broad rights to use, modify,
display your content in our services. You can see specifics
on the rights you grant us below.
Also, anything you provide us or make available to the
public through our services must not contain anything that
we think is objectionable (e.g., illegal, obscene, hateful or
harmful to you, our customers or us). We can remove any
content at any time.
We take security incredibly seriously, but can’t guarantee
that bad actors will not gain access to your personal
information. You need to do your part by keeping your
passwords safe, being smart about who has access to your
account and which of your devices can access our services,
and letting us know if you think an unauthorized person is
using your account.
If there is ever a dispute about who owns your account, we
are the decider.
While we’re happy to let you use our services, you don’t
have any ownership rights in them. We can act on any ideas
you share with us about how we can improve our products
and services free of charge.
There are several ways you can add funds to your Cash App
Balance (“Add Cash”), which are described here.
You can transfer funds from your Cash App balance out to
your bank account (“Cash Out”). These transfers can take
up to three days, or for a fee, be made instantly. We may
limit your ability to transfer funds to your bank account,
based on the circumstances. For example, we may delay
transfers while we screen for fraud or risks. You are
responsible for all amounts owed on your account even
after it is closed.
You will be able to send funds using our P2P service if you
have a linked bank account or linked a credit card. If you
have an Unrestricted Account you will also be able to send
funds using our P2P service from your balance. You
authorize us to move funds on your behalf. We won’t be
responsible for certain incomplete transactions, as
described here.
If you’re sending large amounts of money over certain
thresholds, you will need to provide additional identification
information so that we can make sure you are who you say
you are.
You can send money to others through our P2P service for
free, unless you choose to send funds using a credit card.
We can change these fees in the future.
If we believe you received a payment that should not have
been made for some reason (for example, fraud), you give
us permission to reverse that payment. We are not
responsible for any payments that you receive, even if you
don’t know who sent the payment.
A bank may provide you with a virtual or physical Cash App
Card. By requesting the Cash App Card, you agree to any
additional applicable terms from the issuing bank. We may
cancel, repossess, or revoke your Cash App Card at any
time.
You can use your Cash App Card to make purchases using
any available Cash App balance. You agree we can move
funds from your balance to your Cash App Card for
purchases that you make with your Cash App Card.
You agree that you won’t make a purchase or transaction in
excess of the funds available in your balance and if you do,
you agree that we can recover any negative balance.
You may use the “Disable Card” feature of Cash App to
disable your Cash App Card if you lose your Cash App Card
or think it has been stolen.
If we determine that you are no longer eligible for a Cash
App Card, we will let the issuing bank know and your Cash
App Card may be canceled without notice.
We make no guarantees regarding your Cash App Card and
we are not responsible if it gets stolen, lost, destroyed, or
used without your permission.
You may be charged certain fees in connection with your
use of the Cash App Card.
This section governs your use as an individual of the Virtual
Currency (as defined below) services offered through Cash
App.
If you want to use Cash App to buy stocks you need to sign
up with our broker-dealer, Cash App Investing LLC.
If you have a Cash for Business Account, we will charge you
a transaction processing fee, depositing the balance of
payments from your customers into your Cash App balance.
You authorize us to process your transactions as an agent
on your behalf. You allow us to void transactions if we
believe that a chargeback for the transactions will occur.
You may use your account or a linked card to purchase
goods and services from Cash for Business Accounts. By
initiating a payment to a Cash for Business Account, you
agree to let that seller debit your account or linked card to
complete the transaction. You can use your Cash App
Balance to purchase goods and services from Cash for
Business Accounts only after we have verified your identity.
You can find your transaction receipts and account
statements in your Cash App account.
Contact us if you see any errors or issues with your account.
Our contact info is below, along with a description of the
process and timeline for us to look into your issue. We’ll
need some basic information from you to begin our
investigation.
Contact us as soon as possible if you think there has been
unauthorized activity on your account. You could lose all the
money in your Account.
When we will cover your losses for certain incomplete or
incorrect transactions, detailed here.
When you contest a transaction with your external funding
source (such as the bank that issued your linked debit
card), your rights when requesting reimbursement for a
completed transaction are determined by the funding
source used to fund the applicable transaction.
You give us permission to recover amounts you owe by
debiting funds available in your Cash App account or any
other account you may have with the Company. This may
involve us making attempts to recover less than the full
amount you owe to us. We might contact you or take other
legal actions to collect amounts due.
We may limit your funding sources to reduce risk. You will
use Cash App legally and in accordance with debit and
credit card network rules. You agree to not abuse the
payment system or the service. We may block or reverse
any transaction, including those that violate our terms or
the law, at your expense.
There are some circumstances where we will not be liable if
transactions do not go through. Those circumstances are
listed here.
We can terminate or deny you access to our services at any
time, for any reason. You can also choose to deactivate your
account at any time.
Once our relationship ends, we are not responsible for any
losses you experience because of the termination of our
services or for removing your data from our servers. Some
terms of our agreement will still apply even after our
relationship ends.
When your Cash App account is closed, we’ll settle any
pending transactions and return remaining funds in your
account to you. We may need to hold your funds if there is
an investigation at the time your Account is closed.
If you do something using our services that gets us sued or
fined, you agree to cover our losses as described below.
While we do our best to bring great products and services
to our customers, we provide them as-is, without
warranties. We are not responsible for any goods and
services that you might buy or sell using Cash for Business.
As described below, if something bad happens because of
your use of our services, our liability is capped.
When you see the word “Dispute” in Section XI.19, here’s
what it means.
This section provides details about how we will resolve
disputes through the arbitration process.
Our relationship is governed by the laws of California,
federal law, or both.
You may not transfer any rights you have under our terms of
service to anyone else.
This page explains the terms for the Mobile Check Capture
service. By using the service, you agree to these terms.
This section defines what an Electronic Check is and details
what data we collect from the Electronic Check. It also
informs you that we may decline to process your check or
reverse our decision to process your check. To protect
yourself, you should retain your paper check for two weeks.
You agree not to use this feature to disrupt Cash App or to
conduct illegal activity.
This section details the requirements your paper check
must meet to be eligible for Mobile Check Capture.
Here is the part where you tell us all the information on the
check you are transmitting through Mobile Check Capture
is true and that the check is eligible for this service.
You must keep your check for two weeks after you use
Mobile Check Capture. We may need to contact you about
your check. Please update your contact information on
Cash App.
The bank that accepts your check from us may have a claim
against us if there are problems with your check. Some
common problems, but not all, are listed here. If we make
the bank that accepts your check whole, then we may
recover funds from you.
We may delay your access to funds while we process your
check.
This is where we tell you the cut off time for a check to be
submitted in order to be counted on a specific day and
potential hold periods.
We may make funds available to you before they clear from
the paying bank. If we do, and the funds do not clear the
paying bank you will be required to pay back the funds we
made available to you. If you present us with a check that
has been paid out by another bank and we also make funds
available to you, you will be required to repay the funds to
us.
The image capture service on Cash App is provided by
Mitek Systems, Inc (“Mitek”). Below are Mitek’s rights to the
intellectual property and your license to use the technology.
