The terms grant Stash and Plaid authority to access and transmit personal and financial information, including historical and ongoing transaction data, from all sub-accounts accessible through any linked bank credential set, including sub-accounts the user did not specifically designate for linking.
This analysis describes what Stash's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision establishes that account linking authorizes data access beyond the single sub-account designated by the user, extending to all sub-accounts accessible through the same credential set, including checking, savings, and credit card accounts; this scope of financial data access may require evaluation under GLBA data minimization principles and applicable state financial privacy statutes.
The updated policy explicitly discloses collection of geolocation data, driver's license numbers, audio and video recordings of customer service calls, and inferences drawn from your personal data to create behavioral profiles reflecting your preferences, characteristics, and psychological trends. The policy also expands the definition of "Stash" to include third parties acting on the company's behalf, meaning your data may be shared with external service providers. The policy now applies to all users of Stash services, not just registered customers. You can review your account settings or contact Stash at the provided email or phone number to access, review, or modify personal information you have provided.
View change record →⚠ Stash and Plaid will retain the right to access and transmit data from all sub-accounts accessible through linked credentials as stated in the terms
Cross-platform context
See how other platforms handle Plaid Multi-Account Financial Data Access and similar clauses.
Compare across platforms →"We use Plaid Inc. ("Plaid") for account linking services and to gather your data from financial institutions. This data may include historical and ongoing information, including transaction information, from time to time from all your sub-accounts (e.g., checking, savings, and credit card) accessible through a single set of account credentials, even if only a single sub-account is designated by you. By using our Services, you grant us and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy (https://plaid.com/legal/#end-user-privacy-policy).Excerpt from Stash's Privacy Policy
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This provision establishes that account linking authorizes data access beyond the single sub-account designated by the user, extending to all sub-accounts accessible through the same credential set, including checking, savings, and credit card accounts; this scope of financial data access may require evaluation under GLBA data minimization principles and applicable state financial privacy statutes.
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