A US-based financial services company that provides investment and banking services through mobile applications, allowing users to invest in fractional shares, manage savings accounts, and access financial education resources. The platform handles sensitive financial data, investment transactions, and personal banking information, making their privacy and terms of service policies critical for users to understand how their financial data is collected, used, and protected. Policy changes could affect user rights regarding data sharing, account management, fee structures, and dispute resolution processes.

3 Documents
28 All provisions 6 High severity 18 Medium severity 4 Low severity
0 Changes · 12 mo
- Last change

High, provisions that significantly limit your legal rights, authorize broad data collection, or create material financial exposure. Medium, provisions worth knowing about but with partial protections or limited scope. Low, standard terms with minimal consumer impact.

Governance Coverage
Contract Terms
48 provisions · 13 high · 13 med
Liability Limitation
44 provisions · 22 high · 20 med
Acceptable Use
36 provisions · 17 high · 17 med
Data Collection
26 provisions · 11 high · 14 med
Intellectual Property
24 provisions · 10 high · 12 med
Data Usage
20 provisions · 4 high · 15 med
Data Sharing
19 provisions · 11 high · 8 med
Account Control
17 provisions · 8 high · 9 med
Enforcement Actions
17 provisions · 13 high · 4 med
Privacy Rights
12 provisions · 2 high · 10 med
Quick Facts
Arbitration: Mandatory
AI Training: Disclosed (high impact)
Data Retention: Specified
Key Governance Provisions
High Arbitration agreement incorporated by reference

The arbitration obligation is conditional: it only applies to users who have entered into an Advisory Agreement, making the scope of the arbitration clause dependent on a separate contract.

High Exclusive jurisdiction in New York courts

By irrevocably fixing jurisdiction, users who live outside New York are required to litigate in New York courts and cannot contest that venue choice.

High User consent to recording of all platform communications

Consent to recording and retention is automatic upon Platform use, covering all communications and data exchanged with Stash or anyone acting on its behalf.

High Minors under 18 prohibited from subscribing to services

The prohibition is absolute and applies to all of Stash's Services, meaning no minor may lawfully subscribe to any Stash offering.

High Total liability cap at twelve months fees paid

The cap ties Stash's maximum exposure directly to prior user payments, which could be very low or even zero for users who paid little or nothing, severely limiting any potential recovery.

Document Coverage
Privacypolicy Termsofservice
Last change detected: - Changes (12 months): 0 Documents monitored: 3 Provisions tracked: 28
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Documents

Stash Terms of Use (Superseded URL)

Medium

These Terms govern how you can use Stash's Platform and Services, and they heavily favor Stash: Stash makes no warranties about its services, can change or shut down the Platform …

Last updated May 5, 2026 · Terms of service
10 provisions 1 version captured Version history →

Stash Terms of Use

High

These Terms form a legally binding contract between you and Stash. By submitting content, you give Stash a permanent, worldwide, royalty-free right to use and earn revenue from it that …

Last updated March 14, 2026 · Terms of service
8 provisions 1 version captured Version history →

Stash Privacy Policy

Medium

Stash collects a wide range of sensitive personal data — including biometric identifiers, Social Security numbers, bank credentials, and transaction records — and uses it to build automated profiles that …

Last updated March 14, 2026 · Privacy policy
10 provisions 1 version captured Version history →
📈 Policy Drift Analysis View all changes →

High Severity Provisions (6)

View all high severity provisions → Compare Stash with other platforms →

Applicable Regulations

CCPA/CPRA
California, USA
View official text ↗
CFAA
United States Federal
View official text ↗
Connecticut Data Privacy Act Amendments
US-CT
View official text ↗
CAN-SPAM
United States Federal
View official text ↗
EFTA / Reg E
United States Federal
View official text ↗
FCRA
United States Federal
View official text ↗
FAA
United States Federal
View official text ↗
FTC Act Section 5
United States Federal
View official text ↗
GLBA
United States Federal
View official text ↗
Indiana Consumer Data Protection Act
US-IN
View official text ↗
Kentucky Consumer Data Protection Act
US-KY
View official text ↗
Universal Opt-Out Mechanism Expansion 2026
US
View official text ↗

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Frequently Asked Questions

What Stash documents does ConductAtlas track?

ConductAtlas tracks 3 Stash documents including terms of service, privacy policy, and other governance documents. Every document is captured daily with cryptographic verification.

How many policy changes has Stash made in the past year?

Stash has made 0 policy changes in the past 12 months across the documents ConductAtlas tracks.

How many provisions has ConductAtlas classified for Stash?

ConductAtlas has classified 28 provisions across Stash's tracked documents. 6 are rated high severity, 18 medium, and 4 low.

Can I get alerts when Stash changes their policies?

Yes. Monitor subscribers ($4.99/month) can add Stash to their watchlist and receive same-day email alerts whenever any tracked document changes.