| 1 | 1 | General |
| 2 | 2 | |
| 3 | | _**These terms apply if you signed up for Square on or after June 1, 2026 and will become effective and apply to all Square Sellers on July 1, 2026. For terms that apply until then, see [here](https://squareup.com/us/en/legal/general/ua-archive-2026-june).**_ |
| 3 | _**These terms apply if you signed up for Square on or after September 10, 2026 and will become effective and apply to all Square Sellers on October 10, 2026. For terms that apply until then, see [here](https://squareup.com/us/en/legal/general/ua-archive-2026-june).**_ |
| 4 | 4 | |
| 5 | | **Last updated June 1, 2026** |
| 5 | **Last updated September 10, 2026** |
| 6 | 6 | |
| 7 | 7 | We've included annotations in the gray boxes below to emphasize certain portions of our terms and help guide you as you read them. Annotations aren't part of the terms and have no legal effect, but are intended to help you follow the text. |
| 8 | 8 | |
| 9 | 9 | This page describes the general terms that apply to your use of any of our services. By using our services you agree to these terms on top of any other terms that apply to a specific service you are using. If you use our services on behalf of your company, your company agrees to them too. |
| 10 | 10 | |
| 11 | 11 | These General Terms of Service ("General Terms") are a legal agreement between you, as a current or prospective customer of Square's services ("you," "your") and Block, Inc., Square Capital, LLC, and/or Square Financial Services, Inc. ("Square," "we," "our" or "us"), and govern your use of Square's services, including mobile applications, websites, software, cloud-based solutions, AI products, hardware, and other products and services in the United States of America (collectively, the "Services"). By accepting these General Terms or by using any of the Services, you agree to these General Terms and any policies referenced within ("Policies"), including our [Privacy Notice](https://squareup.com/us/en/legal/general/privacy) (see Section 8) and terms that limit our liability (see Section 19) and require individual arbitration for any potential legal dispute (see Section 22), which are collectively incorporated herein by reference. |
| 22 | 22 | - [Square Financial Terms of Service](https://squareup.com/us/en/legal/general/financial-services-tos): These terms apply in connection with your use of certain financial services offered by Square. |
| 23 | 23 | - [Square Checking Terms of Service](https://squareup.com/us/en/legal/general/sqchecking-tos): These terms apply when you use the Square Checking Program or Square Debit Card. |
| 24 | 24 | - [Square Savings Deposit Account Terms](https://squareup.com/us/en/legal/general/savings): These terms apply to your use of an online savings account ("Square Savings Account") through Square Financial Services, Inc. |
| 25 | 25 | - [Square Bill Pay Terms](https://squareup.com/us/legal/billpay): These terms apply when you use the Bill Pay Service. |
| 26 | 26 | - [Square Hardware Policies and Limited Warranty](https://squareup.com/us/en/legal/general/hardware): These terms apply when you purchase or use Square hardware or third party hardware and accessories from Square or one of Square's authorized retailers. |
| 27 | 27 | - [Square Payroll Terms of Service](https://squareup.com/us/en/legal/general/payroll): These terms apply when you use Square Payroll. |
| 28 | | - [Square for Franchises Terms of Service](https://squareup.com/us/en/legal/general/franchise): These terms apply when you use the Franchise Service. |
| 28 | - [Square Multi-Account Suite Terms of Service](https://squareup.com/us/en/legal/general/franchise): These terms apply when you use the Multi-Account Suite Services. |
| 29 | 29 | - [Square Developer Terms of Service](https://squareup.com/us/en/legal/general/developers): These terms apply when you use Square's software development kit files (SDKs), tools, programs and utilities, as well as any plug-in or other application programming interfaces ("APIs"), sample code (including runtimes and libraries) and related documentation. |
| 30 | 30 | - [Afterpay Merchant Terms of Service](https://squareup.com/us/legal/afterpay-merchant-terms): These terms apply when you use the Afterpay payment method. |
| 31 | 31 | - [Square ACH Service Terms](https://squareup.com/us/en/legal/general/ach-service-terms): These terms apply when you use ACH Services. |
| 32 | 32 | - [Square Beta Terms of Service](https://squareup.com/us/en/legal/general/square-beta-service-terms): These terms apply when you participate in a Square alpha or beta testing program. |
| 33 | 33 | - [Square Commercial Entity Agreement](https://squareup.com/us/en/legal/general/cea): If you are a "Commercial Entity" (as defined by Visa and Mastercard), your acceptance of card payments in connection with certain Square services is governed by this agreement with JPMorgan Chase and/or Bancorp, as applicable. |
| 34 | 34 | - [Square Intellectual Property Policy](https://squareup.com/us/en/legal/general/copyright): This policy applies to use of intellectual property and specifies how to file a notice of infringement if you believe that third-party material hosted by Square on any of our platforms infringes your copyright or trademark rights. |
| 58 | 58 | |
| 59 | 59 | Except where prohibited by law, you may not, nor may you permit any third party, directly or indirectly, to: |
| 60 | 60 | |
| 61 | 61 | 1. export the Services, which may be subject to export restrictions imposed by US law, including US Export Administration Regulations (15 C.F.R. Chapter VII); |
| 62 | 62 | 2. engage in any activity that may be in violation of regulations administered by the United States Department of the Treasury's Office of Foreign Asset Control (31 C.F.R. Parts 500-599). Prohibited activity includes but is not limited to the provision of Services to or for the benefit of a jurisdiction, entity, or individual blocked or prohibited by relevant sanctions authorities, including but not limited to activities in Iran, Cuba, North Korea, Syria, Afghanistan, Belarus, Venezuela, the Crimean Region of the Ukraine, and/or any other Russian-occupied regions of Ukraine. 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; |
| 63 | 63 | 3. access or monitor any material or information on any Square system using any manual process or robot, spider, scraper, or other automated means; |
| 64 | | 4. except to the extent that any restriction is expressly prohibited by law, violate the restrictions in any robot exclusion headers on any Service, work around, bypass, or circumvent any of the technical limitations of the Services, use any tool to enable features or functionalities that are otherwise disabled in the Services, or decompile, disassemble or otherwise reverse engineer the Services; |
| 65 | | 5. perform or attempt to perform any actions that would interfere with the proper working of the Services, prevent access to or use of the Services by our other customers, or impose an unreasonable or disproportionately large load on our infrastructure; |
| 66 | | 6. copy, reproduce, alter, modify, create derivative works, publicly display, republish, upload, post, transmit, resell or distribute in any way material, information or Services from Square; |
| 67 | | 7. use and benefit from the Services via a rental, lease, timesharing, service bureau or other arrangement; |
| 68 | | 8. transfer any rights granted to you under these General Terms; |
| 69 | | 9. use the Services in a way that distracts or prevents you from obeying traffic or safety laws; |
| 70 | | 10. use the Services for the sale of firearms, firearm parts, ammunition, weapons or other devices designed to cause physical harm; |
| 71 | | 11. use the Services for any illegal activity or goods or in any way that exposes you, other Square users, our partners, or Square to harm; or |
| 72 | | 12. otherwise use the Services except as expressly allowed under these Terms. |
| 64 | 4. use or access the Services to build, support, or assist any third party in building or supporting, any product or service that competes with the Services, except as expressly permitted by Square; |
| 65 | 5. except to the extent that any restriction is expressly prohibited by law, violate the restrictions in any robot exclusion headers on any Service, work around, bypass, or circumvent any of the technical limitations of the Services, use any tool to enable features or functionalities that are otherwise disabled in the Services, or decompile, disassemble or otherwise reverse engineer the Services; |
| 66 | 6. perform or attempt to perform any actions that would interfere with the proper working of the Services, prevent access to or use of the Services by our other customers, or impose an unreasonable or disproportionately large load on our infrastructure; |
| 67 | 7. copy, reproduce, alter, modify, create derivative works, publicly display, republish, upload, post, transmit, resell or distribute in any way material, information or Services from Square; |
| 68 | 8. use and benefit from the Services via a rental, lease, timesharing, service bureau or other arrangement; |
| 69 | 9. transfer any rights granted to you under these General Terms; |
| 70 | 10. use the Services in a way that distracts or prevents you from obeying traffic or safety laws; |
| 71 | 11. use the Services for the sale of firearms, firearm parts, ammunition, weapons or other devices designed to cause physical harm; |
| 72 | 12. use the Services for any illegal activity or goods or in any way that exposes you, other Square users, our partners, or Square to harm; or |
| 73 | 13. otherwise use the Services except as expressly allowed under these Terms. |
| 73 | 74 | |
| 74 | 75 | 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. |
| 75 | 76 | |
| 76 | 77 | #### 4\. Compatible Mobile Devices and Third Party Carriers |
| 77 | 78 | |
| 78 | 79 | We do not warrant that the Services will be compatible with your mobile device or carrier. Your use of the Services may be subject to the terms of your agreements with your mobile device manufacturer or your carrier. You may not use a modified device to use the Services if the modification is contrary to the manufacturer's software or hardware guidelines, including disabling hardware or software controls-sometimes referred to as "jail broken." |
| 82 | 83 | You retain all rights to your content when you upload it into our Services, but you do give us broad rights to use, modify, and display your content in our Services, and share it with our third party partners to facilitate the Services. You can see specifics on the rights you grant us below. |
| 83 | 84 | |
| 84 | 85 | 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. |
| 85 | 86 | |
| 86 | 87 | The Services may include functionality for uploading, selecting, creating, or providing suggestions, recommendations, feedback, stories, photos, documents, logos, products, loyalty programs, promotions, advertisements, business information, and other materials or information ("Content"). |
| 87 | 88 | |
| 88 | | 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. Any use of your Content by third parties is subject to those third parties' terms. You retain all rights in your Content, subject to the rights you granted to us in these General Terms. 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. |
| 89 | 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, host, modify, adapt, publish, prepare derivative works of, distribute, publicly perform, and publicly display your Content throughout the world in any media to provide, promote, facilitate, and/or incorporate into the Services on and other affiliated products and services offered by us, including on "cash.app" web domains, Cash App, your Online Ordering Profile, and Buzz-hosted communication platforms, and for Block's business purposes, including developing, training, testing, evaluating, and improving products, services, technologies, and models. Any use of your Content by third parties is subject to those third parties' terms. You retain all rights in your Content, subject to the rights you granted to us in these General Terms. 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. |
| 89 | 90 | |
| 91 | You authorize and direct us to obtain from publicly available sources information about your business, such as your business name, locations, website URL, phone number, business hours, and other factual business information. |
| 92 | |
| 93 | For purposes of the license and representations in this paragraph, "Business Brand Assets" means your business names, trade names, trademarks, service marks, logos, photographs, menus, inventory, product descriptions, and related brand or business materials that you provide to us, publicly use, or authorize others to use to identify, describe, market, or promote your business, products, or services, including on your website, your social media profiles, public business listings associated with your business, and any other source you identify to us. You direct and authorize the Company and its subsidiaries, affiliates, successors, service providers, and other third parties authorized by us to locate, retrieve, collect, copy, store, and use your Business Brand Assets from those sources. Your Business Brand Assets are your Content subject to the license in this Section 5. |
| 94 | |
| 95 | You represent and warrant that the Business Brand Assets you provide to us, publicly use, or authorize others to use to identify, describe, market, or promote your business, products, or services are associated with your business and that you own or have all rights and permissions necessary to grant the foregoing license, including the right to authorize their reproduction, modification, adaptation, and preparation of derivative works. You further represent and warrant that our use of those Business Brand Assets as permitted by these General Terms will not infringe or violate any third party's rights. If you do not own or have sufficient rights in a Business Brand Asset, you must notify us and use the tools and/or processes we make available to replace or remove it. |
| 96 | |
| 97 | You may replace or remove a Business Brand Asset displayed through the Services, but it may persist in historical, archived or cached copies and versions available on or through the Services. We are not obligated to obtain, verify, update or continue to display any information we obtain from those sources. We may decline to collect from, or cease collecting from, any source at our sole discretion. |
| 98 | |
| 90 | 99 | You will not upload or provide Content or otherwise post, transmit, distribute, or disseminate through the Services any material that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to civil liability; (c) breaches or infringes any duty toward or rights of any person or entity, including rights of publicity, privacy or Intellectual Property Rights; (d) contains corrupted data or any other harmful, disruptive, or destructive files; (e) advertises products or services competitive with Square's or its partners' products and services, as determined by us in our sole discretion; or (f) in our sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of the Services, or which may expose Square, its affiliates or its customers or other persons to harm or liability of any nature. |
| 91 | 100 | |
| 92 | 101 | You acknowledge that Square acts solely as an online service provider and hosting platform with respect to all Content, which is stored, displayed, and made available at your direction. Square's role in hosting, displaying, or facilitating access to Content, including through tools or features that assist in choosing, selecting, creating, or refining Content, does not constitute authorship or editorial control. Your use of such tools does not alter Square's role as a host and service provider under the Digital Millennium Copyright Act (17 U.S.C. § 512), and you remain solely responsible for all Content. |
| 93 | 102 | |
| 94 | 103 | 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. |
| 95 | 104 | |
| 134 | 143 | Lots of what we offer is free, but we offer paid services too. We can collect payments for a paid service by either charging your linked debit/credit card or taking the payment from your transaction proceeds, Square-account balance or linked bank account. |
| 135 | 144 | |
| 136 | 145 | We'll give you reasonable advance notice if we change our subscription fees, and you can cancel your subscription at any time. |
| 137 | 146 | |
| 138 | 147 | Square's Services include both paid-for Services ("Paid Services") and free Services, for which no additional fees are charged ("Free Services"). Square offers certain Paid Services to be paid for on a recurring basis ("Subscription Services") and others on an as-used basis ("Usage-based Services"). Subscription Services may subject you to recurring fees and/or terms. By signing up for a Subscription Service, including after any free trial period, you agree to pay us the subscription fee and any applicable Taxes (as defined below) ("Subscription Fee"). Usage-based Services may subject you to fees charged per usage and/or terms, including transaction volume. By using a Usage-based Service, you agree to pay the fees and any Taxes incurred at the time of usage ("Usage-based Fees" and, together with Subscription Fees, the "Paid Service Fees"). See [Payment Terms](https://squareup.com/legal/payment) for terms applicable to Payment Services. |
| 139 | 148 | |
| 140 | | In general, Paid Service Fees may be paid by debit card, credit card, or deducted from your transaction proceeds; however, Paid Service Fees related to hardware may only be paid by debit card or credit card. If you link a debit or credit card to your account, you authorize us to collect Paid Service Fees by debit from your linked debit card or charge to your linked credit card. Regardless of payment device or method, we reserve the right to collect Paid Service Fees by deduction from your transaction proceeds, the Balance (as defined in the Payment Terms) in your Square Account or your linked bank account. |
| 149 | In general, Paid Service Fees may be paid by debit card, credit card, or deducted from your transaction proceeds; however, Paid Service Fees related to hardware may only be paid by debit card or credit card. You may select a primary payment method at the time you sign up for a Paid Service. By selecting a payment methodIf you authorize us to debit your primary payment method for Paid Service Fees. If we are unable to collect Paid Service Fees from your primary payment device or method, you authorize us to collect Paid Service Fees by deduction from your transaction proceeds, or by debiting the Balance (as defined in the Payment Terms) in your Square Account or your linked bank account. You represent and warrant that any debit card, credit card, or bank account that you provide was not established primarily for personal, family, or household purposes and that you are an authorized user on such debit card, credit card, or bank account. You understand that any debits to your linked bank account are subject to the National Automated Clearing House Association - The Electronic Payments Association Operating Rules and Guidelines ("NACHA Rules"), and you agree to be bound by the NACHA Rules in connection with such debits. |
| 141 | 150 | |
| 142 | 151 | 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 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. 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. |
| 143 | 152 | |
| 144 | 153 | #### 11\. Taxes |
| 145 | 154 | |
| 146 | 155 | Your Taxes are your responsibility. But we may have an obligation under applicable law to charge and/or remit Tax on Paid Services and report certain information about you to the IRS or other applicable Tax authority. |