Block's Terms Stack Leaves You Alone in a Dispute

Block (Square's parent company) operates payment processing, point-of-sale systems, and Bitcoin services. Here's what their terms actually say.

🔴 You can't sue them with others. All legal disputes go to individual arbitration. Class actions are off the table. You're on your own.

🔴 Their liability is capped hard. Across every service they offer—payments, POS, Bitcoin—the company limits what they'll pay if something goes wrong. The ceiling is already there.

🔴 AI products have separate rules nobody knows yet. Square operates AI tools under their own terms that aren't integrated into the main agreement. Machine learning risks aren't spelled out in your standard contract.

🟡 They default to digital notices. You're enrolled in electronic delivery of all agreements and legal notices automatically. You can opt out, but you have to move first.

🟢 Different services have their own terms. Payment processing, point-of-sale, and Bitcoin each come with specific rules. At least they're separated, not buried in one massive document.

D grade. The arbitration and liability limits work together to make individual problems expensive to fight. The AI terms are a blank spot.

This breakdown is based on Block (Square)'s publicly available Terms of Service and/or Privacy Policy. It may contain mistakes. Spot one? Let us know.