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
18 All provisions 5 High severity 11 Medium severity 2 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
Privacy Rights
10 provisions · 1 high · 7 med
Data Collection
5 provisions · 2 high · 3 med
Data Sharing
5 provisions · 2 high · 3 med
Liability Limitation
3 provisions · 2 high · 1 med
Arbitration
3 provisions · 3 high
Data Usage
2 provisions · 1 med
Platform Discretion
2 provisions · 1 high · 1 med
Data Retention
1 provision · 1 med
Policy Changes
1 provision · 1 med
Legal Jurisdiction
1 provision · 1 med
Quick Facts
Arbitration: Mandatory
Data Retention: Specified
Class Action: Waived
Key Governance Provisions
High Bank Account Credential Collection

Collection of bank login credentials is associated with account aggregation services that access your external financial accounts on your behalf; this practice involves significant security considera…

High Limitation of Liability for Service Modification or Discontinuation

This clause severely limits Stash's financial accountability for decisions that could directly harm your investment portfolio, such as discontinuing an investment product or changing fee structures, …

High Account Termination Without Notice

Because Stash holds your money and investments, an unexpected account termination without notice could temporarily cut you off from accessing your funds, which is a significant financial risk not com…

High Unilateral Modification of Terms

Stash can alter fees, data practices, dispute resolution procedures, or service terms without your affirmative consent, and silence (continued use) is treated as agreement, which is particularly sign…

High Mandatory Arbitration and Class Action Waiver

Mandatory arbitration removes your access to the court system and the ability to join with other users in a class action, which is often the only practical way to hold a financial company accountable…

Document Coverage
Privacypolicy Termsofservice
Last change detected: Changes (12 months): 0 Documents monitored: 3 Provisions tracked: 18
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Documents

Stash Terms of Use

Last updated May 5, 2026 · Terms of service
0 provisions 0 versions captured Version history →

Stash Terms of Use

High

This is Stash's Terms of Use agreement covering all Stash investment, banking, and savings products and services. The single most important thing to know is that by continuing to use …

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

Stash Privacy Policy

Medium

This document establishes Stash's data collection, use, and sharing practices for its investment, banking, and brokerage platform. Stash collects financial and identity data including Social Security numbers, bank login credentials, …

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

High Severity Provisions (5)

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 18 provisions across Stash's tracked documents. 5 are rated high severity, 11 medium, and 2 low.

Can I get alerts when Stash changes their policies?

Yes. Monitor subscribers ($19/month) can add Stash to their watchlist and receive same-day email alerts whenever any tracked document changes.