Square
Square General Terms of Service & Privacy Notice
Square (Block, Inc.) is a payment processing and business management platform that lets merchants accept card payments, manage point-of-sale transactions, payroll, banking, and related financial services.
Analyzed May 21, 2026
Key findings
Summary
Square's terms include broad data collection (including biometrics and precise location) for identity verification and fraud prevention, a broad content license, standard liability limitations, and a detailed mandatory arbitration clause with a class-action waiver, though it offers an opt-out and small claims carveout. Account termination and billing provisions grant Square wide discretion with limited refund guarantees.
Category Breakdown
Square collects extensive identity, financial, biometric, contacts, and precise location data, including facial scans and biometrics extracted from ID photos for verification purposes.
From: PRIVACY POLICYphoto identification, such as your passport or driver’s license in combination with a photograph facial scan and biometrics extracted from such image or other documents proving your identity or place of residenceView source document
Square shares personal information with identity verification vendors, credit bureaus, wireless carriers, sanctions watchlists, and affiliates/subprocessors globally, but the DPA states Square will not sell or share personal data as defined under CCPA.
From: PRIVACY POLICYWe share your Identification Information with identity verification vendors, including credit reporting agencies, wireless carriers, and others, to verify information that we collect.View source document
Users retain rights to their content but grant Square a worldwide, irrevocable, perpetual, sublicensable license to use, modify, and distribute it for any reason, including promotion, which extends beyond basic service operation.
From: TERMS OF SERVICEa 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 reasonView source document
Square may terminate or suspend accounts at any time for any reason, is not liable for resulting losses, and has no obligation to delete or preserve account data upon termination.
From: TERMS OF SERVICEWe 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.View source document
Square requires binding individual arbitration administered by NAM with a class-action and jury waiver, but provides a small claims court carveout, an informal resolution process, and a 30-day opt-out right.
From: TERMS OF SERVICEall Disputes will be resolved finally and exclusively by binding individual arbitration with a single arbitrator (the “Arbitrator”) administered by National Arbitration and Mediation (“NAM”)... You have the right to opt out of this arbitration agreement by sending a written notice of your decision to opt outView source document
Subscription fees renew monthly until canceled, cancellation is available anytime through account settings, but no refunds are given for fees already charged for the current billing period.
From: TERMS OF SERVICEIf 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.View source document