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Plain-English summary
Square can terminate your account at any time for any reason (risk_flags-1) and will not be liable for any losses or data deletion post-termination (risk_flags-2). Any disputes you have with Square must be resolved through individual arbitration, as class actions are not permitted, and you waive your right to a jury trial (risk_flags-3). Square's financial liability for any damages is capped at $500 or the fees earned in the three months prior to the claim (risk_flags-4), and Square is not responsible for damages, losses, or injuries caused by hacking or unauthorized access to your account (risk_flags-5). Furthermore, if your account is found to violate foreign asset control regulations, it could be terminated and your funds held indefinitely (risk_flags-6).
You are fully responsible for all activity on your account (gotchas-1), and Square will be the sole decision-maker in any disputes regarding account ownership (gotchas-2). You are also solely responsible for all your taxes and tax reporting obligations (gotchas-3).
Square reserves broad rights to use your content for various purposes, including promotion (data_use-1), and can remove your content at any time for any reason (data_use-4). Square can also share your personal information with law enforcement if illegal activity is suspected (data_use-2). You must keep your account information accurate and current, or your account may be modified, suspended, or terminated (data_use-3).
Subscription fees are charged monthly until you cancel, with no refunds for fees already paid (cancellation_renewal-1, cancellation_renewal-2). Square can change subscription fees after providing reasonable notice (cancellation_renewal-3).
90% confidence
Risk Flags
Critical issues, red flags, or privacy concerns that a user should be aware of.
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Square can terminate your account at any time for any reason
Square can terminate your account or access to any service at any time for any reason, including if you violate their terms.
Why it matters: This means your account and access to services can be stopped at any time by Square, even if you don't violate specific terms.
We may terminate these General Terms or any Additional Terms, or suspend or terminate your Square Account or your access to any Service, at any time for any reason, including a violation of the Terms.
Modification and Termination, paragraph 2 · Citation strength: strong
high90% confidence confidence
Square's liability is capped at a maximum of $500 or three months of fees
Square's total liability is limited to the greater of the fees it earned from your use of services in the three months before the claim or $500.
Why it matters: If you incur significant damages due to Square's services, you can only recover a maximum of $500 or the fees you paid to Square in a three-month period, whichever is higher.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL LIABILITY OF SQUARE 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.
Limitations of Liability and Damages, paragraph 4 · Citation strength: strong
high90% confidence confidence
Square has no liability for losses from hacking or unauthorized access
Square will not be responsible for any damage, loss, or injury caused by hacking, tampering, or other unauthorized access or use of its services or your account.
Why it matters: You bear the risk of losses from hacking, tampering, or unauthorized access to your account or data, as Square explicitly disclaims responsibility.
UNDER NO CIRCUMSTANCES WILL SQUARE BE RESPONSIBLE FOR ANY DAMAGE, LOSS, OR INJURY RESULTING FROM HACKING, TAMPERING, OR OTHER UNAUTHORIZED ACCESS OR USE OF THE SERVICES OR YOUR SQUARE ACCOUNT, OR THE INFORMATION CONTAINED THEREIN.
Limitations of Liability and Damages, paragraph 3 · Citation strength: strong
high90% confidence confidence
Loss of funds for violating foreign asset control regulations
If your account is found to be in apparent violation of regulations administered by the U.S. Department of the Treasury's Office of Foreign Asset Control, your account could be terminated, and your funds could be held indefinitely.
Why it matters: Engaging in prohibited activities related to foreign asset control can lead to your account being terminated and your funds being frozen for an unlimited time.
If found to be in apparent violation of these restrictions, your account could be terminated and your funds could be held for an indefinite period of time;
The services are provided "as is" without any express, implied, or statutory warranties.
Why it matters: You use the services without any guarantees about their quality, reliability, or suitability for your specific purpose, meaning any issues or defects are your responsibility.
THE SERVICES ARE PROVIDED “AS IS” WITHOUT REPRESENTATION OR WARRANTY, WHETHER IT IS EXPRESS, IMPLIED, OR STATUTORY.
No Warranties, paragraph 3 · Citation strength: strong
medium90% confidence confidence
Square does not guarantee service accuracy, availability, or freedom from errors/viruses
Square does not guarantee that its services are accurate, reliable, correct, will meet your requirements, be available at all times, be uninterrupted, error-free, without defect or secure, that defects will be corrected, or that services are free of viruses or other harmful components.
Why it matters: The services may not always work as expected, might have errors or viruses, and may not always be available, which could disrupt your operations.
SQUARE DOES NOT WARRANT, REPRESENT OR GUARANTEE IN ANY WAY THAT THE SERVICES ARE ACCURATE, RELIABLE OR CORRECT; THAT THE SERVICES WILL MEET YOUR REQUIREMENTS; THAT THE SERVICES WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, UNINTERRUPTED, ERROR-FREE, WITHOUT DEFECT OR SECURE; THAT ANY DEFECTS OR ERRORS IN THE SERVICES WILL BE CORRECTED; OR THAT THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR FIT FOR ANY PARTICULAR PURPOSE.
No Warranties, paragraph 4 · Citation strength: strong
medium90% confidence confidence
No responsibility for third-party products or services
Square does not warrant, endorse, guarantee, or take responsibility for any third-party product or service advertised or offered, nor does it have control or liability for goods or services paid for using its services.
Why it matters: Square is not responsible for the quality or performance of any products or services you purchase from third parties using their platform. You must address any issues with the manufacturer directly.
SQUARE DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY OR LIABILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY. SQUARE DOES NOT HAVE CONTROL OF, OR LIABILITY FOR, GOODS OR SERVICES THAT ARE PAID FOR USING THE SERVICES.
No Warranties, paragraph 5 · Citation strength: strong
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No warranty for third-party hardware
Square explicitly disclaims any warranties, express or implied, regarding third-party hardware and other products sold with its services, including warranties of merchantability, non-infringement, or fitness for a particular purpose.
Why it matters: If you purchase third-party hardware through Square, Square does not guarantee its quality, functionality, or suitability. You must contact the manufacturer for any service, support, or warranty issues.
SQUARE MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO SUCH THIRD PARTY PRODUCTS, AND EXPRESSLY DISCLAIMS ANY WARRANTY OR CONDITION OF MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE.
Third Party Products, paragraph 1 · Citation strength: strong
Data Use
How the company collects, processes, and shares personal data and user content.
medium90% confidence confidence
Square has broad rights to use your content
You grant Square and its affiliates 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 for various purposes, including providing and promoting their services.
Why it matters: Square can use your content in almost any way it sees fit, permanently and without paying you, across its services, including for promotional activities. This includes modifying your content and allowing third parties to use it.
You grant us and our subsidiaries, affiliates, successors, and as authorized by Square in our sole discretion, third parties, 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, including to provide, promote, facilitate, and/or incorporate into the Services on “cash.app” web domains and other affiliated products and services offered by us, including on Cash App and your Online Ordering Profile.
Your Content, paragraph 4 · Citation strength: strong
medium90% confidence confidence
Square can share your information with law enforcement for suspected illegal activity
If Square reasonably suspects your account has been used for an unauthorized, illegal, or criminal purpose, you authorize them to share your information, account details, and transaction data with law enforcement.
Why it matters: If Square suspects your account is involved in illegal activities, it can share your personal and transaction data with law enforcement without further consent.
If we reasonably suspect that your Square Account has been used for an unauthorized, illegal, or criminal purpose, you give us express authorization to share information about you, your Square Account, and any of your transactions with law enforcement, in accordance with applicable laws.
Account information must be accurate and kept current
You must provide accurate and complete information during Square Account registration and keep it current. Square may change the account type or suspend/terminate accounts with inaccurate, untrue, or incomplete information.
Why it matters: Failure to provide accurate and up-to-date personal or business information can lead to your account being modified, suspended, or terminated.
You must provide accurate and complete information in response to our questions, and you must keep that information current. You are fully responsible for all activity that occurs under your Square Account, including for any actions taken by your Personnel or other people to whom you have granted access to the Square Account. We reserve the right to change the account type, or suspend or terminate the Square Account of anyone who provides inaccurate, untrue, or incomplete information, or who fails to comply with the account registration requirements.
Square is not responsible for your content and can remove it
Square acts solely as an online service provider and hosting platform for your content. Although it has no obligation to monitor content, Square has absolute discretion to remove content at any time, for any reason, and takes no responsibility or liability for any content.
Why it matters: Square is not responsible for the content you upload, and it can remove your content at any time for any reason, without notice. You are solely responsible for your content and may lose it without recourse.
Although we have no obligation to monitor any Content, we have absolute discretion to remove Content at any time and for any reason without notice. Square may also monitor such Content to detect and prevent fraudulent activity or violations of the Terms. You understand that by using the Services, you may be exposed to Content that is offensive, indecent, or objectionable. We take no responsibility and assume no liability for any Content, including any loss or damage to any of your Content.
Your Content, paragraph 7 · Citation strength: strong
low90% confidence confidence
Electronic communications and notices
You agree to receive legally required disclosures and notices, and other account information, electronically via the website, push notifications, or email.
Why it matters: You will receive important legal and account-related information electronically. You should regularly check the website, push notifications, and your email to stay informed.
We may provide disclosures and notices required by law and other information about your Square Account to you electronically, by posting it on our website, pushing notifications through the Services, or by emailing it to the email address listed in your Square Account or that you otherwise provided to Square.
Revisions, Disclosures and Notices, paragraph 4 · Citation strength: strong
Cancellation and Renewal
The policy for canceling accounts, subscriptions, and services, and how renewals are handled.
low95% confidence confidence
Subscription fees automatically apply monthly until canceled
Subscription Fees will be charged on the first of every month until canceled. You can cancel a Subscription Service at any time from your Square Account settings.
Why it matters: You will be charged monthly for subscription services unless you cancel them through your account settings.
Unless otherwise provided in a Subscription Service’s terms, Subscription Fees will be charged on the first of every month until canceled. You may cancel a Subscription Service at any time from your Square Account settings.
If you cancel a Subscription Service, you will continue to have access through the end of your current billing period but will not receive a refund or credit for any already due or paid Subscription Fee.
Why it matters: If you cancel a subscription, you will not get your money back for fees already paid or due, even if you stop using the service before the end of the billing period.
If you cancel a Subscription Service, you will continue to have access to that Subscription Service through the end of your then-current billing period, but you will not be entitled to a refund or credit for any Subscription Fee already due or paid.
Square reserves the right to change any Subscription Fee upon reasonable advance notice. Continuing to use Subscription Services after such a notice means you agree to the changes.
Why it matters: Square can increase subscription fees, and if you continue using the service after they notify you, you automatically agree to the new fees.
We reserve the right to change any Subscription Fee upon reasonable advance notice. Your continued use of Subscription Services after notice of a change to our Subscription Fee will automatically establish your agreement to such changes.
Potentially overlooked clauses or tricky situations that could affect the user.
medium95% confidence confidence
You are responsible for all activity on your account
You are fully responsible for all actions taken under your Square Account, including those by your personnel or others you grant access to.
Why it matters: You are liable for anything that happens through your account, even if it's done by your employees or anyone else with access to your account.
You are fully responsible for all activity that occurs under your Square Account, including for any actions taken by your Personnel or other people to whom you have granted access to the Square Account.
Square makes final decisions on account ownership disputes
In any dispute over account ownership between two or more parties, Square will be the sole decision-maker, and its decision will be final and binding on all parties.
Why it matters: If there's a disagreement about who owns your account, Square will decide, and that decision is final, which may include terminating or suspending the account.
in the event of any dispute between two or more parties as to account ownership, we will be the sole arbiter of such dispute in our sole discretion. Our decision (which may include termination or suspension of any Square Account subject to dispute) will be final and binding on all parties.
Security, paragraph 5 · Citation strength: strong
medium90% confidence confidence
You are responsible for all your taxes and tax reporting
You are responsible for identifying, calculating, collecting, reporting, paying, and remitting any applicable taxes related to your use of services and for reporting tax information to authorities, with Square specifically disclaiming liability for such taxes and reporting.
Why it matters: You are solely responsible for managing all aspects of your taxes and tax reporting related to your use of Square's services. Square is not liable for these obligations.
Square specifically disclaims any liability for such Taxes and Your Tax Information Reporting and you agree to fully indemnify, defend, and hold Square harmless against any such Taxes and Your Tax Information Reporting and any other related expenses or costs.
Taxes, paragraph 3 · Citation strength: strong
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