Cash App Pay Over Time Loan Agreement

Effective April 2, 2024 - present

This Cash App Pay Over Time Loan Agreement (“Agreement”) is between you and Square Capital, LLC as the originator and issuer of your loan. Please read this Agreement and keep a copy. Under the terms of this Agreement, we (as defined below) agree to disburse proceeds to the merchant identified on your Cash App checkout screen for this Cash App Pay over time transaction. Those proceeds allow you to complete a purchase and receive the select goods you are ordering. In exchange, you agree to make payments, including any fees or charges, and you accept all terms and conditions contained in this Agreement. By using this service you agree to be bound by this Agreement and any loan documents and policies referenced, including our Privacy Notice (see Section A.9) and Cash App Acceptable Use Policy and Other Restrictions (see Section A.18).

Please note that you should review this Agreement carefully, including those provisions which limit our liability and those regarding individual arbitration for potential legal disputes (see Section A.22). Use of “SQC” or the words “we,” “us,” and “our” refer to Square Capital, LLC, or its agents, authorized representatives, successors and assignees. SQC is issuing this loan through the use of Cash App. Use of the words “you” and “your” refer to the individual indicated on the Truth in Lending Act Disclosure (defined below) as the registered owner of this Cash App account.

You acknowledge that you have read, agree with, and accept all terms and conditions contained in this Agreement. In consideration of the promises and the respective representations, warranties, covenants, agreements and conditions contained below and on the following pages, you and SQC enter into this Agreement and agree with, and accept, the terms and conditions set forth herein.

A. TERMS OF AGREEMENT

1. Payment plan and your promise to pay.
a. In obtaining this loan, we provided you with:

(i) a “Payment Plan,” which includes a summary of your order and payment due dates; and

(ii) a “Truth in Lending Act Disclosure,” which means the summary of your Payment Plan and disclosure provided prior to executing this Agreement, pursuant to the federal Truth in Lending Act and Regulation Z, which includes details related to repaying this loan such as the Amount Financed, Annual Percentage Rate, Finance Charge, Total of Payments, and the Final Due Date.

b. The “Amount Financed” is the amount of credit provided to you or on your behalf.

c. The “Annual Percentage Rate” or “APR” is the cost of your credit as a yearly rate, as reflected in the Truth in Lending Act Disclosure.

d. The “Finance Charge” is the dollar amount the credit will cost you, as reflected in your Truth in Lending Act Disclosure.

e. The “Total of Payments” is the amount you will have paid after you have made all payments as scheduled.

f. The “Final Due Date” is the date by which you must pay the Total of Payments.

g. You agree to pay the amount due today that is indicated on your Payment Plan, and the Total of Payments by the Final Due Date.

h. The Amount Financed and Finance Charge, as reflected in your Truth in Lending Act Disclosure, are estimates only based upon the information reasonably available at the time of your purchase, including the purchase amount shown during checkout and the estimated taxes and shipping fees. Your actual Amount Financed and Finance Charge amounts may be different from the estimated amounts depending on the final goods you order, the timing of your purchase, and the final purchase amount confirmed by the merchant. If the Amount Financed and Finance Charge is less than the actual amount confirmed by the merchant, before any payment due date, we will deliver a final Truth in Lending Act Disclosure as a supplement to this Agreement after you complete your purchase with the merchant that will contain your actual payment amounts, Amount Financed, and Finance Charge. We will also credit your outstanding balance to reflect your actual payment amounts based on the final purchase amount confirmed by the merchant. There may be a delay between the time of your purchase and the delivery of your final Truth in Lending Act Disclosure and subsequent refund.

2. Finance Charge and Late Payment
a. You agree to pay the Finance Charge, as reflected in your Truth in Lending Act Disclosure. The Finance Charge may vary based on the state in which you reside when you enter into this Agreement, please see your Truth in Lending Act Disclosure for the Finance Charge that applies to your loan.

b. In accordance with applicable law of your state of residence, if the Total Amount Financed is not paid by the Final Due Date shown in the Truth in Lending Act Disclosure and remains unpaid for a period of ten (10) days after the Final Due Date or any additional grace period required by applicable law, a late fee of up to a maximum of $5.00 will be imposed. The amount of the late fee may vary depending on the state in which you reside when you enter into this Agreement. Please see your Truth in Lending Act Disclosure for the late fee applicable to your loan.
3. Automatic Payment Authorization; Optional Automatic Payment; Manual Electronic Payments; Making Your Payments.
a. Automatic Payment Authorization. In taking this loan, you agree to the Autopay Terms (the “Autopay Terms”). You can opt out of automatic payments for any payment, at any time, by contacting Cash App support, which may be accessed by clicking on your profile in Cash App, clicking “Support” and following the in-app prompts.

b. Optional Automatic Payment. You may enroll in automatic payments for any Voluntary Prepayments, at your discretion. Additional disclosures are contained in your Autopay Terms.

c. Manual Electronic Payments. You also may choose to manually make electronic payments. If you choose to unenroll from the Automatic Payment Authorization, you will be required to manually authorize payments from your Cash App Balance or a linked debit card(s). The Cash App Balance consists of the funds you have in your Cash App account that are available for new transactions and are not subject to pending transactions, as reflected in the Cash App Terms of Service.

d. Payment by Mail. You may also pay by sending checks payable to “Square Capital, LLC” to the following address:

Square Capital, LLC
Attn: Cash App Lending Program Operations
Lockbox Services 208731
Dallas, TX 75320-8731

Your check must specify your $Cashtag, your Loan ID, the Amount Financed, and the date you entered into this Agreement. Your payment must be made in U.S. dollars from a valid U.S. source in a form acceptable to Square Capital, LLC.

A check must be physically received at the above address by 4:00 PM CT on a business day in order to be credited to your outstanding loan obligation on the same day.

e. Making Your Payments. You agree to take all necessary steps to ensure notifications are not being filtered out of the mode by which you have selected to receive notifications in your Cash App. Your payment will still be due on your regularly scheduled due date even if you do not receive a notification from us.

4. Payment Processing
a. You agree that we may accept and process payments without losing any rights.

b. You authorize Block, Inc. (which shall be a third-party beneficiary of this provision), in its capacity as the holder of your Cash App Balance, to monitor activity on your Cash App Balance and to notify us, or to initiate a payment in the amount of your outstanding balance, or in the amount of available funds in your Cash App Balance, whichever is less, on our behalf pursuant to standing instructions from us, at any time funds are available in your Cash App Balance. This subsection is not intended to create or to give us a security interest in your Cash App Balance or any funds added to your Cash App Balance. We expressly disclaim any priority over other creditors or a bankruptcy trustee in a bankruptcy proceeding or similar proceeding as a result of the payment authorization in this subsection.

c. You agree that neither we nor any of our service providers are responsible if your financial institution rejects a payment you make. You will be responsible for any fees charged by your financial institution.

d. You agree and authorize us to resubmit and/or collect returned payments electronically if you have opted to pay electronically.

e. You agree and authorize us to make electronic reversals or credits to any debit card you have provided in the event of an erroneous debit or as otherwise appropriate.

f. You agree and authorize us to correct errors, to process returned and reversed payments, and to handle other issues pertaining to your account.

g. Your funds may be withdrawn from your Cash App Balance or a linked debit card(s) as early as the same day your payment is received.

5. How Your Payments Are Applied
Except as prohibited by law, payments will be applied to your loan as we determine in our sole discretion.

6. Prepayment Options
a. In taking this loan, you were provided with a choice in payment options; either:

(i) “Pay in Two” which requires the down payment due today and the remainder of the Total of Payments on the Final Due Date; or

(ii) “Pay in Four” which requires the down payment today and three equal installments due before and on the Final Due Date.

b. If you choose Pay in Four, the two payments after your down payment and before your Final Due Date are “Voluntary Prepayments,” meaning you are not required to make these prepayments and will not be subject to any late fees or penalties for missing those payments. If you do not make either of your Voluntary Prepayments, the amount of the missed payment will be added to the subsequent payment. If you choose to skip both Voluntary Prepayments, the Total of Payments will be due on the Final Due Date and you will be assessed no late fees or charges. However, if you do not pay the Total of Payments by the Final Due Date, you may be assessed late charges as detailed above.

c. You may prepay your loan in full or in part at any time. There is no fee or charge for early payment of all or any part of your loan. Upon the early prepayment of your loan, we will refund any unearned amount of the Finance Charge in accordance with the law of your state of residence when you entered into this Agreement, but in no event in a manner less favorable than the actuarial method assuming payments are made when scheduled.

7. Default
a. Unless expressly prohibited by law, we may declare you in default on your loan if:

  • You do not make the Total of Payments by the Final Due Date;

  • Any payment you make is rejected or not paid by your bank or cannot be processed by your bank;

  • You file or become the subject of a bankruptcy or insolvency proceeding;

  • You are unable to repay your obligations, including upon death or legally declared incapacity;

  • You provided inaccurate, untrue, or incomplete information, or you otherwise tried to defraud or provide material misrepresentations to us or our service providers;

  • Your Cash App account is restricted, suspended, or terminated;

  • You do not comply with any term of this Agreement; and/or

  • You permanently reside outside the United States.

b. If you are in default, we may take certain actions with respect to your loan without notifying you unless notification is required by law. For example, depending on the default, the following actions may be taken:

  • If you are enrolled in automatic payments, your Cash App Balance or linked debit card may be debited the amount of the outstanding balance not paid by the Final Due Date;

  • Your ability to use any or all features on Cash App may be suspended until you satisfy your outstanding loan obligation;

  • You may be charged a late fee after any applicable grace period has passed;

  • You may be unable to obtain credit from us in the future; and/or

  • Any other action to the extent not prohibited by law.

c. Loans are not available in all states. If you move to a state where we do not currently offer loans, you will be unable to take subsequent loans.

8. Disputes with Merchant; Refunds
a. If you are not satisfied with the goods or services you receive from a merchant, you must resolve any issues directly with the merchant. The merchant has the sole discretion to refund the goods, and we may not be able to resolve any dispute between you and the merchant related to a refund.

b. If you initiate a return with the merchant, you remain liable for payments due under this loan until the return is finalized and the funds advanced under this loan have been returned to us.

c. If a merchant issues a refund to us of the entire amount we disburse under this Agreement, then we will refund the entire loan amount. Additionally, we will refund any Finance Charge associated with this loan.

d. If a merchant issues to us a refund of less than the entire amount we disburse under this Agreement, the refunded amount will be applied first toward any outstanding loan balance, and then as a credit to your Cash App Balance. Additionally, we will refund pro rata the Finance Charge, proportional to the amount of the refund.

9. Loan Documents
The following documents (“Loan Documents”) govern your loan:

Please read these carefully and keep them for future reference.

10. Entire Agreement
The Loan Documents constitute the entire agreement between you and us with respect to this loan. You acknowledge and agree that no oral representations shall vary, modify or amend the terms and conditions of the Loan Documents. Any failure by us to exercise, or delay by us in exercising, any right or remedy shall not operate as a waiver thereof.

11. Applicable Law
You agree that the state that is listed in the address that you provided to us is the state (“State”) this Agreement is made and entered into. Further, this Agreement and any dispute arising hereunder will be governed by the laws of that State and/or applicable federal law (including the Federal Arbitration Act), without regard to that State’s choice of law or conflicts of law principles that would require application of law of a different jurisdiction.

12. Service Providers and Third Party Beneficiaries.
a. We may retain service providers to perform on our behalf any actions authorized or contemplated by this Agreement. Any authorization or permission that you grant to us in this Agreement (or otherwise in connection with your loan) shall extend to and cover any service provider acting on our behalf or at our direction. Without limiting the generality of the foregoing, you expressly authorize Block, Inc. and/or its affiliates, when acting as our service provider, to take any actions authorized or contemplated by this Agreement regardless of whether such actions are authorized or contemplated by the Cash App Terms of Service.

Other provisions in this Agreement that expressly extend rights or protections under this Agreement to our service providers (either generally or to specific service providers) are included for the avoidance of doubt, and should not be interpreted to limit the operation or effect of the general provisions in this Section.

b. You and we agree that SQC, along with SQC’s parent company, subsidiaries, affiliates, agents, employees, predecessors, successors, or assigns and any authorized users or beneficiaries of the Cash App Pay over time loan program, are intended to be, and shall have the rights of, a third party beneficiary of this section of this Agreement.

13. Personal Financial Information
You agree to provide personal financial information about you that may be requested from time to time for underwriting, security, and/or other purposes related to the management of your account. This includes, but is not limited to:

  • Your full legal name;

  • A valid U.S. mailing address and residential address (if different);

  • Your date of birth;

  • Your Social Security Number or Individual Taxpayer Identification Number;

  • Your telephone number(s); and

  • Your employment and income information. You agree to promptly update your personal information in your Cash App profile, including but not limited to your name, street address, email address or telephone number. In doing so, you agree that you will not provide false information or signatures, electronic or otherwise, at any time. You may be asked for additional documents to verify any changes. You understand that if you move to a state where this product is not offered, you will be unable to borrow subsequent loans.

14. Age and Residency
By entering into this Agreement, you agree that you are at least 18 years of age and of sufficient legal age to enter into a contract in the state where you reside and you are a resident of the United States when you execute this Agreement.

15. Communications and Contact Information
a. You consent to accept and receive communications from us including e-mail, text messages, calls, and push notifications to the cellular telephone number you provide when you inquire about a loan or update your contact information. Such communications may include, but are not limited to, communications regarding applications for credit, credit decisions, disclosures, servicing, collections, requests for secondary authentication, receipts, reminders, and notifications regarding updates to your account or account support. Call and text message communications may be generated by automatic telephone dialing systems. Standard message and data rates applied by your cell phone carrier may apply to the text messages sent to you.

b. You may opt-out of receiving promotional email communications from us by following the unsubscribe options contained in such emails. You may opt out of any promotional phone calls from us by informing the caller that you would not like to receive future promotional calls. You may also opt out of text messages from us at any time by texting END to the number from which you received a text. You acknowledge that opting out of receiving communications may impact your use of our and/or Square, Inc.’s services.

16. Submission of Ideas
You may submit comments or ideas about the loans and/or services you receive (“Ideas”). By submitting any Idea, you agree that your disclosure is gratuitous, unsolicited, and without restriction, that it will not place us under any fiduciary, confidentiality or other obligation, and that we are free to use the Idea without any additional compensation to you, and/or to disclose the Idea on a non-confidential basis or otherwise to anyone. You hereby grant us a perpetual, irrevocable, worldwide, fully paid up, non-exclusive, sub-licensable, right and license to use the user content and all elements thereof, in any and all media formats and forms, known now or hereafter devised for any purpose that we choose.

17. Loan Purpose
You acknowledge and agree that you will use this loan and the loan proceeds for personal, family, or household purposes.

18. Acceptable Use Policy and Other Restrictions
Your use of Cash App Pay over time to purchase select goods from merchants is subject to Cash App’s Acceptable Use Policy. We reserve the right to remove or disable access to any goods that violate this policy.

Cash App Pay over time is not available to all individuals. We reserve the right, in our sole discretion, to determine the criteria used to determine eligibility or to remove or disable access to Cash App Pay over time if your Cash App account is not in good standing, among other things.

Additionally, your use of Cash App Pay over time to purchase select goods from merchants is subject to your available limit. We reserve the right to decline any transaction that would cause you to exceed your available limit.

19. Severability
Except as otherwise provided herein and to the extent not prohibited by law, if any provision of this Agreement is held to be invalid or unenforceable, such determination shall not affect the validity or enforceability of the remaining provisions of this Agreement.

20. Assignment and Delegation
a. You understand that we may assign this Agreement without your permission or prior notice to you. Upon an assignment, you must pay the assignee and perform all of your obligations to it and not us. If this Agreement is sold, assigned or otherwise transferred, your rights under the law or under this Agreement are in no way altered or impaired.

b. This Agreement will be binding on, and benefit, any of your and our successors and assigns, which such assigns shall include, for the avoidance of doubt, any subsequent holders of your loan. Except as provided by applicable law, we may sell, assign or transfer your loan and this Agreement in whole or in part without your permission and without prior notice to you. If this Agreement is sold, assigned or otherwise transferred, your rights under the law or under this Agreement willare in no way be altered or impaired. Any assignee or assignees, including, for the avoidance of doubt, any subsequent holders of this Agreement, will take our place under this Agreement. You must pay them and perform all of your obligations to them and not us. If you pay us after you are notified that your loan or this Agreement has been transferred, we may return the payment to you, forward the payment to the assignee, or handle it in another way that is reasonable. You may not sell, assign, delegate or transfer your loan, this Agreement, or your obligations under this Agreement to someone else without our written permission or the written permission of any subsequent holder of your loan. Any sale, assignment or transfer of your loan by you in violation of this section shall be null and void.

21. Survival of Obligations
Notwithstanding any other provision in this Agreement, the obligations in sections 10 (Entire Agreement) 11 (Applicable Law), 19 (Severability), 20 (Assignment and Delegation), 21 (Survival of Obligations), and 22 (Binding Individual Arbitration) will survive any expiration or termination of this Agreement.

22. Binding Individual Arbitration
a. General. This arbitration provision does not apply to “Military Borrowers,” which means a “covered borrower”, as that term is defined in 32 CFR Section 232.3(g).

b. You and we agree that any and all Disputes, except those that are resolved informally or brought in a small claims court, will be arbitrated by a neutral arbitrator who has the power to award the same individual damages and individual relief that a court can.

“Disputes” are defined as any claim, controversy, or dispute between you and us, our processors, suppliers or licensors (or their respective affiliates, agents, directors or employees), whether arising before or during the effective period of this Agreement, and including any claim, controversy, or dispute based on any conduct of you or us that occurred before the effective date of this Agreement, including any claims relating in any other aspect of your relationship with us.

c. Class Action Waiver.
ANY ARBITRATION UNDER THESE GENERAL TERMS WILL ONLY BE ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS, CLASS ACTIONS, REPRESENTATIVE ACTIONS, AND CONSOLIDATION WITH OTHER ARBITRATIONS 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 US.

d. Pre-Filing Requirement.
Before an arbitration is commenced, you or we agree to attempt to avoid the costs of formal dispute resolution by giving each other a full and fair opportunity to address and resolve a Dispute informally. Both parties recognize that this is an important requirement, and that breach of this requirement would be a material breach of this Agreement. To provide this opportunity, before commencing any arbitration or suit, each party agrees to send to the other party a written Notice (“Notice”). Any Notice to us should be sent by certified mail to:

Square Capital, LLC
Attn: Block, Inc.,
Attn: Arbitration Provision, PO Box 427069, San Francisco, CA 94142.

Any Notice sent to you will be sent to the contact information on file for your account. The Notice must: (i) include your name and Cash Tag; (ii) provide detailed information sufficient to evaluate the merits of the claiming party’s individualized claim and for the other party to determine if an amicable resolution is possible; and (iii) set forth the specific relief sought, including whatever amount of money is demanded and the means by which the demanding party calculated the claimed damages. Both parties agree that they will attempt to resolve a dispute through an informal negotiation within sixty (60) days from the date the Notice is sent. After that sixty (60) day period and not before, either party may commence arbitration. The party receiving the notice shall then have seven (7) days to respond, including to elect for the case to be heard by a small claims court with jurisdiction. If either party elects small claims court, the dispute will be resolved in that forum and not through arbitration. Each party agrees that state courts in the City and County of San Francisco, California, or federal court for the Northern District of California, referenced below, may enter injunctive relief to enforce the pre-filing requirements of this paragraph, including an injunction to stay an arbitration that has been commenced in violation of this paragraph.

e. Scope of Arbitration.
If we are not able to resolve the Dispute by informal negotiation or, as provided below, in a small claims court, all Disputes will be resolved finally and exclusively by binding individual arbitration with a single arbitrator (the “Arbitrator”) administered by the American Arbitration Association (https://www.adr.org) according to this Section and the Consumer Arbitration Rules through the Procedures for the Resolution of Disputes through Document Submission (the “AAA Rules”), including Rule D-3(b), except you and we will have the right to file early or summary dispositive motions and so long as the claim is arbitrable under the AAA Rules. Except as set forth above, the Arbitrator shall be responsible for determining all threshold arbitrability issues, including issues relating to whether Square, Inc.’s General Terms and/or Additional Terms (or any aspect thereof) are enforceable, unconscionable or illusory and any defense to arbitration, including waiver, delay, laches, or estoppel. If any provision of this arbitration agreement is found unenforceable, the unenforceable provision will be severed, and the remaining arbitration terms will be enforced (but in no case will there be a class or representative arbitration).

f. Small Claims Court.
Subject to applicable jurisdictional requirements, either party may elect to pursue a Dispute in a local small claims court rather than through arbitration. If a party has already submitted an arbitration demand to the AAA, the other party may, in its sole discretion, inform the AAA that it chooses to have the Dispute heard in small claims court. At that time, the AAA will close the arbitration and the Dispute will be heard in the appropriate small claims court, with no fees due from the arbitration respondent.

g. Arbitration Procedures.
The Federal Arbitration Act, 9 U.S.C. §§ 1-16, including its procedural provisions, fully applies. So long as it is consistent with the AAA Rules, including Rule D-3(b), the arbitration shall occur through the submission of documents to one arbitrator. To the extent any in-person arbitration hearing is required, the arbitration hearing will occur in San Francisco, California; provided, however, that if circumstances prevent you from traveling to San Francisco, the Arbitrator may hold an in-person hearing in your hometown. The Arbitrator’s award will be binding on the parties and may be entered as a judgment in any court of competent jurisdiction. We value your privacy, particularly with respect to your financial transactions and data. Each of the parties shall maintain the confidential nature of the arbitration and shall not (without the prior written consent of the other party) disclose to any third party the fact, existence, content, award, or other result of the arbitration, except as may be necessary to enforce, enter, or challenge such award in a court of competent jurisdiction or as otherwise required by applicable law. While an arbitrator may award declaratory or injunctive relief, the Arbitrator may do so only with respect to the individual party seeking relief and only to the extent necessary to provide relief warranted by the individual party’s claim. The Arbitrator’s decision and judgment thereon will not have a precedential or collateral estoppel effect.

h. Arbitration Fees.
In accordance with the AAA Rules, the party initiating the arbitration (either you or us) is responsible for paying the applicable filing fee. For purposes of this arbitration provision, references to you and we also include respective subsidiaries, affiliates, agents, employees, predecessors, successors and assigns as well as authorized users or beneficiaries of the Cash App services.

i. Opt Out.
You may reject this provision, in which case only a court may be used to resolve any Dispute. To reject this provision, you must send us an opt-out notice (the “Opt Out”) within thirty (30) days after you take out a loan or we first provide you with the right to reject this provision. The Opt Out must be mailed to Block, Inc., Attn: Arbitration Provision, PO Box 427069, San Francisco, CA 94142. For your convenience, we are providing an opt out notice form to Opt Out. The Opt Out must include your name, $Cashtag, address, phone number and the email address(es) you used to sign up for the loan as well as the loan number for the loan for which you choose to Opt Out. Opting out will not affect any other aspect of the Agreement or your loan, and you will be opted out of arbitration for any subsequent (but not prior) Cash App Pay over time loans you may borrow.

j. Court Proceedings.
Subject to and without waiver of the arbitration provisions above, you agree that any judicial proceedings (other than small claims actions as discussed above) will be brought in and you hereby consent to the exclusive jurisdiction and venue in the state courts in the City and County of San Francisco, California, or federal court for the Northern District of California.

23. Military Annual Percentage Rate Statement:
Federal law provides important protections to members of the United States Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependents may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: (1) the costs associated with credit insurance premiums; (2) fees for ancillary products sold in connection with the credit transaction; (3) any application fee charged (other than certain application fees for specified credit transactions or accounts); and (4) any participation fee charged (other than certain participation fees for a credit card account). To hear these disclosures and information about your payment obligation over the telephone, please call the following toll-free number: (855) 949-7782.

24. Notice
NOTE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

25. State-specific disclosures
a. Texas
For questions or complaints about this loan, contact Square Capital, LLC (SQC) at 1 (800) 969-1940, 9am - 7pm EST, Monday to Friday or Square Capital LLC PO BOX 427069 San Francisco CA 94142. The lender is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the lender, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website: occc.texas.gov. E-mail: consumer.complaints@occc.texas.gov.

Executed via Electronic Signature on Execution Date, which is the date of your purchase as shown on your Cash App activity tab. You can also view a summary of your loan terms from the payment plan receipt on your Cash App activity tab.