Stash Terms of Use

This document constitutes Stash Financial, Inc.'s Terms of Use governing access to and use of its website, mobile applications, and all associated financial services platforms, grounded in a clickwrap contract model where continued use constitutes acceptance. The most significant obligations include mandatory arbitration of virtually all disputes on an individual basis with a class action waiver, user financial responsibility for all account activity, and Stash's unilateral right to modify terms, discontinue services, or terminate accounts without prior notice. Notable deviations from industry standard include the provision allowing Stash to share Subscription Data with third parties for verification and billing purposes without granular opt-out, a shortened informal dispute resolution prerequisite before arbitration, and the broad license granted to Stash over user-submitted content including perpetual, irrevocable, royalty-free use rights. The document engages the Investment Advisers Act of 1940, Securities Exchange Act of 1934, Gramm-Leach-Bliley Act (GLBA), Electronic Signatures in Global and National Commerce Act (E-SIGN), FINRA rules, and CCPA for California residents; material compliance considerations include SEC and FINRA oversight of Stash Capital LLC and Stash Investments LLC as registered broker-dealer and investment adviser respectively, CFPB jurisdiction over banking and payment services, and the enforceability of the arbitration clause under FAA standards given the financial services context.