Stash Terms of Use (Superseded URL)

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 at any time without warning, and limits what you can recover if something goes wrong to only what you paid in the prior twelve months. By using the Platform you automatically consent to Stash recording and retaining your communications, and any content you submit gives Stash a permanent, irrevocable right to use and redistribute it. Anyone under 18 cannot subscribe to any Stash Service.

This document establishes the terms governing user access to and use of Stash's Platform and Services, setting out Stash's broad discretionary rights alongside significant limitations on user remedies. Stash disclaim all warranties of any kind with respect to its Services, Offerings, Content, and Platform Materials, and caps its total liability to amounts paid by the user in the twelve months preceding a claim, while also excluding all categories of direct, indirect, incidental, special, consequential, exemplary, and punitive damages on behalf of itself, its officers, directors, employees, representatives, and Stride Bank, N.A. Users grant Stash a perpetual, irrevocable, worldwide, royalty-free license over user submissions and a separate irrevocable, sub-licensable, worldwide license over User Content, both surviving any termination of use. Stash may discontinue, modify, or alter any aspect of the Platform at its sole discretion without prior notice or liability, may terminate user accounts for non-compliance at any time, and may amend the Terms by notice with continued use constituting acceptance absent written objection. Arbitration obligations apply only to users who have separately entered into an Advisory Agreement, and all litigation must proceed exclusively in New York State or Southern District of New York federal courts.

As a user, you are bound by the Terms simply by continuing to use the Platform after Stash notifies you of changes unless you affirmatively object in writing — that written objection is a specific action available to you. Your ability to recover damages is capped at what you paid Stash or its Partner Bank in the twelve months before any claim, and all categories of damages beyond that cap are excluded. All communications and data you exchange through the Platform are automatically recorded and retained by Stash and its representatives. Any content you submit gives Stash an irrevocable, worldwide, sublicensable license that cannot be taken back. If a dispute leads to litigation, it must be brought exclusively in New York courts regardless of where you are located, and arbitration applies only if you have also entered into a separate Advisory Agreement.