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Plain-English summary
Square's terms include several high-severity risks. The company can terminate your account for providing incomplete or false information (risk_flags-1) and may hold your funds indefinitely if you violate sanctions regulations (risk_flags-2). In any account ownership dispute, Square's decision is final and binding (risk_flags-3). The company also has significant limitations on its liability for damages, including those resulting from hacking or unauthorized access (risk_flags-4, risk_flags-5). Furthermore, disputes are subject to mandatory individual arbitration, waiving your right to class actions or jury trials (risk_flags-6).
95% confidence
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Risks to you
5 findings
Potential high-severity risks that could lead to material harm, such as financial loss, privacy breaches, or significant legal limitations.
high95% confidence
Account termination for providing incomplete or false information
The company may suspend or terminate your account if you provide incomplete or false information during registration or fail to keep it current.
Why it matters: Your account may be suspended or terminated if the information you provide is inaccurate or incomplete.
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.
Funds may be held indefinitely for sanctions violations
If you are found to be in apparent violation of sanctions regulations, your account could be terminated and your funds could be held for an indefinite period of time.
Why it matters: Your account may be terminated and your funds held indefinitely if you violate sanctions regulations.
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;
In any dispute regarding account ownership, the company will be the sole decision-maker, and their decision will be final and binding, potentially including termination or suspension of the account.
Why it matters: The company has the final say in account ownership disputes, which could result in your account being terminated or suspended.
Notwithstanding Sections 21 and 22, 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
high95% confidence
Company not responsible for damages from hacking or unauthorized access
Under no circumstances will the company be responsible for any damage, loss, or injury resulting from hacking, tampering, or other unauthorized access or use of the services or your account, or the information contained therein.
Why it matters: You bear the risk of damage, loss, or injury from hacking, tampering, or unauthorized access to your account and information, as the company 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.
Your License, paragraph 23 · Citation strength: strong
high95% confidence
Mandatory individual arbitration and class action waiver
You and the company agree that any disputes, except those resolved informally or in small claims court, will be individually arbitrated. Class arbitrations, class actions, and representative actions are not permitted, and you waive your right to a jury trial and participation in a class action.
Why it matters: Your ability to pursue legal action against the company is significantly limited to individual arbitration, preventing you from joining or initiating class action lawsuits or having a jury trial.
YOU AND SQUARE MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS, CLASS ACTIONS, AND REPRESENTATIVE ACTIONS ARE NOT PERMITTED. YOU WAIVE ANY RIGHT TO HAVE YOUR CASE DECIDED BY A JURY AND YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION AGAINST SQUARE.
How your data is collected, used, shared, and protected.
medium95% confidence
Broad rights to use user content
You grant the company 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 any reason, including to provide, promote, facilitate, and/or incorporate into the Services.
Why it matters: The company has extensive and lasting rights to use your content for a wide range of purposes, including commercial and promotional activities.
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
Content may persist after deletion or termination
Although you may modify or remove your content by terminating your account, your content may persist in historical, archived, or cached copies and versions available on or through the services.
Why it matters: Even after you remove your content or close your account, copies of your content may still exist on the company's systems.
You may modify or remove your Content via your Square Account or by terminating your Square Account, but your Content may persist in historical, archived or cached copies and versions available on or through the Services.
Your Content, paragraph 4 · Citation strength: strong
medium95% confidence
Company can remove content at any time without notice
The company has absolute discretion to remove any content at any time and for any reason without notice, even if they have no obligation to monitor it.
Why it matters: The company can remove your content from their services at any time, for any reason, without prior notice.
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.
Your Content, paragraph 7 · Citation strength: strong
low90% confidence
Consent to receive marketing communications
You consent to the company sending messages to your email or mobile devices about your account or services, which may include marketing.
Why it matters: You will receive marketing messages to your email or mobile devices.
You consent to us sending messages to your email or mobile devices about your account or our services, which may include marketing.
Personal Information of Your Personnel and Customers, paragraph 3 · Citation strength: strong
Cancellation & Renewal
1 finding
Terms related to subscription, cancellation, and renewal.
medium95% confidence
No refunds for canceled subscription services
If you cancel a Subscription Service, you will continue to have access through the end of your current billing period, but you will not be entitled to a refund or credit for any subscription fee already due or paid.
Why it matters: If you cancel a paid subscription, you will not receive a refund for any fees already paid, 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.
Personal Information of Your Personnel and Customers, paragraph 12 · Citation strength: strong
Gotchas
1 finding
Potentially overlooked clauses that could be unfavorable or restrictive.
medium90% confidence
Company can use ideas shared with them without obligation
Submitting ideas, feedback, or comments about the services is entirely voluntary, and the company is free to use such ideas as they see fit without any obligation to you.
Why it matters: Any ideas or feedback you provide to the company can be used by them without any payment or obligation to you.
You may submit feedback, comments or ideas about the Services (“Ideas”). Submitting Ideas is entirely voluntary, and we will be free to use such ideas as we see fit without any obligation to you.
Your License, paragraph 7 · Citation strength: strong
Protections for you
1 finding
Explicit commitments and features designed to protect your rights and interests.
Protection95% confidence
Option to opt-out of promotional communications
You may opt-out of promotional email communications by following unsubscribe options and opt out of promotional phone calls by informing the caller. You can also opt-out of text messages by replying 'STOP'.
Why it helps: You have control over receiving promotional emails, phone calls, and text messages, allowing you to manage unwanted marketing communications.
You may opt-out of receiving promotional email communications we send to you by following the unsubscribe options on such emails. You may opt out of any promotional phone calls by informing the caller that you would not like to receive future promotional calls. You may only opt-out of text messages from Square by replying STOP.
Personal Information of Your Personnel and Customers, paragraph 5 · Citation strength: strong
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