This document sets the rules for using Stash's investing, banking, and savings app. By using Stash, you agree to resolve disputes through private arbitration rather than in court, and you give up your right to join class action lawsuits. Stash can change or shut down any part of its services at any time with limited notice.
Technical Summary
This Terms of Use agreement, effective February 3, 2023, governs all use of Stash Financial, Inc.'s website, mobile applications, and associated financial services platform, including investment advisory, banking, and custodial services. The document establishes binding obligations on users including acceptance of mandatory arbitration with class action waiver, consent to electronic communications, and broad intellectual property assignments. Notable provisions include Stash's unilateral right to modify or discontinue services without prior notice, a binding arbitration clause administered by JAMS or AAA with a 30-day opt-out window, limitation of liability capped at fees paid in the prior 12 months, and broad indemnification obligations placed on users. The agreement also incorporates by reference separate product-specific agreements and discloses Stash's relationships with affiliated broker-dealer and RIA entities.
Institutional Analysis
This agreement engages multiple regulatory frameworks including SEC and FINRA rules applicable to Stash's affiliated registered investment adviser and broker-dealer, CFPB oversight of banking and pay…
This agreement engages multiple regulatory frameworks including SEC and FINRA rules applicable to Stash's affiliated registered investment adviser and broker-dealer, CFPB oversight of banking and payment services, and COPPA/state minor protection statutes given custodial account offerings. The mand…
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If you have a dispute with Stash, you must resolve it through private arbitration administered by JAMS or AAA rather than through a court of law. You cannot bring your claim as part of a class action lawsuit.
You agree to give up your right to participate in any class action lawsuit or class-wide arbitration against Stash. Any claims must be brought individually.
Stash can change, restrict, or shut down any part of its platform or services at any time without telling you in advance. Your only option if you disagree is to cancel your account.
Stash's financial responsibility to you for any harm caused by its platform or services is capped at the fees you paid to Stash in the 12 months before the problem occurred.
Stash can cancel or deactivate your account, delete your account information, and block your access to the platform at any time without giving you advance notice if you violate the Terms.
You agree to pay Stash's legal costs and damages if Stash faces any claims, lawsuits, or losses arising from your use of the platform, your violation of the Terms, or your violation of anyone else's rights.
By using Stash, you consent to receive all communications — including legally required disclosures, account notices, and agreements — electronically via email, app notifications, or website posting.
By creating an account, you agree to let Stash share your personal information — including your name, address, phone number, email, and billing details — with third parties to verify your identity and process payments.
When you submit any content to the Stash platform, you grant Stash a broad, royalty-free, perpetual license to use, reproduce, modify, and distribute that content in any way, anywhere in the world.