Generated by a model from the captured document; not read by a person

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.

2 Documents
15 All provisions
0 Changes · 12 mo
- Last change
Objective measurements
Counted directly from the archive for Stash — documents, captured versions, and detected changes.
2
Documents tracked
3
Versions captured
0
Changes · 12 mo
0
Changes · all-time
ConductAtlas User-Protection Index
Insufficient coverage
Insufficient coverage to score
Only 2 of 6 governance dimensions are confidently known for Stash — too few for a headline score. What we do have is shown below.
How is this scored? →

Higher = more protective of you, the user/customer — a deliberately user-protective lens, not a universal “good vs bad” score. Computed algorithmically from Stash’s cited governance stances; no dimension we haven’t confidently read is ever counted against the score. Free, reproducible, and never purchasable.

Consumer tier · insufficient coverage (scored on 2 of 6)
Arbitration & class action weight 22% not stated
Data sharing & sale weight 20% not stated
AI training on your data weight 18% not stated
Data retention & deletion weight 15% 0.0
Liability & warranties weight 10% not stated
Governance Coverage
Contract Terms
28 provisions
Data Collection
23 provisions
Liability Limitation
22 provisions
Data Usage
20 provisions
Acceptable Use
19 provisions
Data Sharing
15 provisions
Intellectual Property
13 provisions
Privacy Rights
11 provisions
Account Control
9 provisions
Enforcement Actions
9 provisions
Quick Facts
Arbitration: Not stated
AI Training: Not stated
Data Retention: Retained after closure
Class Action: Not stated
Key Governance Provisions
Liability cap at twelve-month fees paid

The cap ties maximum recovery to historical fees paid, which may be a small amount relative to actual losses, and it applies across all damages and causes of action combined.

Broad perpetual license grant over submissions

The license is perpetual and irrevocable, meaning users cannot later withdraw permission, and it extends to successors and assigns, meaning the rights survive any change in Stash's ownership.

Arbitration agreement incorporated by reference

Incorporation by reference means the Arbitration Agreement's dispute-resolution obligations apply to users who have entered into an Advisory Agreement, even if they are reviewing only these Terms.

User consents to recording of all communications

The consent covers 'any other use,' meaning there is no defined limit on how recorded communications and data may be used beyond the examples listed.

User indemnification of Stash and partner bank

Users bear financial responsibility for third-party claims against Stash that stem from their own improper use, and Stash retains the option—not the user—to decide whether the user must also conduct …

Document Coverage
Privacypolicy Termsofservice
Last change detected: - Changes (12 months): 0 Documents monitored: 2 Provisions tracked: 15
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Documents

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 …

Dated February 3, 2023 · Terms of service
5 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 …

Dated May 21, 2025 · Privacy policy
10 provisions 1 version captured Version history →
📈 Policy Drift Analysis View all changes →

Selected provisions (3 of 15)

Compare Stash with other platforms →

Get the weekly coverage letter

Companies change their terms without announcing it. We capture governance documents, compare each new version with the last, and publish what changed, with the source text behind it. One email a week on what we found and what we could not reach.

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Frequently Asked Questions

What Stash documents does ConductAtlas track?

ConductAtlas tracks 2 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 15 provisions across Stash's tracked documents.

Can I get alerts when Stash changes their policies?

Yes. Monitor subscribers ($4.99/month) can add Stash to their watchlist and receive an email alert after the daily check that finds a change to a tracked document. We check daily where we can, and show you where we can't.