127 Total

Key Facts · in the document’s own words

What does Stash incorporate into the Terms of Use?
“Unless otherwise governed by a separate agreement, including, but not limited to, the Arbitration Agreement in the Advisory Agreement (which is incorporated into this Agreement in its entirety if you have entered into an Advisory Agreement)...”
Version CA-V-000104, captured March 15, 2026 · live source ↗
Our reading, not the document’s words
Stash incorporates the Arbitration Agreement from the Advisory Agreement into the Terms of Use in its entirety, but only for users who have entered into an Advisory Agreement.
What rights does Stash require users to grant Stash in user submissions?
“Submissions If, at our request or on your own, you send, email, post or otherwise transmit to us or the Platform any Content (collectively, the “ Submissions ”), you grant Stash and its successors and assigns a worldwide, royalty-free, perpetual, irrevocable, transferable, non-exclusive right...to use, license, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, derive revenue...”
Version CA-V-000104, captured March 15, 2026 · live source ↗
Our reading, not the document’s words
Stash requires users to grant Stash and its successors and assigns a worldwide, royalty-free, perpetual, irrevocable, transferable, non-exclusive right to use, license, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and derive revenue from user submissions.
What does Stash require users to grant Stash?
“you hereby grant to Stash a limited, irrevocable, non-exclusive, sub-licensable, worldwide, fully-paid, royalty free license to use, modify, publicly perform, publicly display, reproduce, and distribute all User Content without the requirement to make payment...”
Version CA-V-000104, captured March 15, 2026 · live source ↗
Our reading, not the document’s words
Stash requires users to grant Stash a limited, irrevocable, non-exclusive, sub-licensable, worldwide, fully-paid, royalty-free license to use, modify, publicly perform, publicly display, reproduce, and distribute all User Content without payment to the user.
What damages will Stash not be liable for?
“WE...WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES...ARISING OUT OF, OR RESULTING FROM, (A) THE USE AND/OR THE INABILITY TO USE THE PLATFORM AND/OR THE SERVICES...”
Version CA-V-000104, captured March 15, 2026 · live source ↗
Our reading, not the document’s words
Stash will not be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or resulting from the use of or inability to use the Platform and/or Services.
What is Stash's total liability capped at?
“IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU, AND/OR PARTNER BANK’S TOTAL LIABILITY TO YOU TO THE EXTENT APPLICABLE, FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE) EXCEED THE TOTAL AMOUNT PAID BY YOU TO US OR PARTNER BANK, RESPECTIVELY, FOR ACCESSING THE PLATFORM AND RECEIVING THE SERVICES, IF ANY, IN THE TWELVE-MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO SUCH LIABILITY.”
Version CA-V-000104, captured March 15, 2026 · live source ↗
Our reading, not the document’s words
Stash's total liability to a user for all damages, losses, and causes of action is capped at the total amount paid by the user to Stash or Partner Bank in the twelve-month period immediately preceding the event giving rise to liability.
What warranties does Stash disclaim with respect to the Services and Offerings?
“THE SERVICES, OFFERINGS, CONTENT AND MATERIALS ON THE PLATFORM ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES...”
Version CA-V-000104, captured March 15, 2026 · live source ↗
Our reading, not the document’s words
Stash expressly disclaims all warranties of any kind, either express or implied, with respect to the Services, Offerings, Content, and Materials on the Platform, which are provided 'as is'.
Summary
Generated by a model from the captured document; not read by a person

These Terms form a legally binding contract between you and Stash. By submitting content, you give Stash a permanent, worldwide, royalty-free right to use and earn revenue from it that you can never take back. If you keep using the platform after Stash notifies you of changes without sending a written objection, Stash treats you as having agreed to all the new terms.

Analysis

The Stash Terms of Use establish a binding contractual relationship between Stash and its users, treated as the legal equivalent of a signed written contract. Users who have entered into an Advisory Agreement are subject to an incorporated Arbitration Agreement. The document grants Stash broad, perpetual, irrevocable, and transferable intellectual property licenses over user-submitted content and requires users to consent to the recording and retention of all communications for execution, processing, recordkeeping, or any other use. Stash's liability is excluded across all recognized damage categories and capped at fees paid in the twelve months preceding a claim, while users bear indemnification obligations for third-party claims arising from their improper use. Stash may modify or discontinue the Platform at its sole discretion without prior notice or liability, and continued use after notice of updated Terms without written objection constitutes acceptance of all amendments.

What this means for you

Using Stash means accepting that it can change or shut down the platform at any time without notice or liability, that any content you submit is licensed to Stash permanently and irrevocably, and that your ability to recover money for any harm is limited to what you paid Stash in the prior twelve months with no recovery for any category of damages beyond that cap. Your Subscription Data is shared with third parties for verification and account-charging purposes as a condition of use. All communications with Stash are recorded and may be used for any purpose. If Stash notifies you of updated Terms, you must object in writing before continuing to use the platform to avoid being bound by the changes.

Institutional Analysis
Stay ahead of the changes

Institutional analysis available with Insight

Which mapped governance frameworks each document engages, tied to the specific provisions that engage them.

Clauses withheld

We withheld clauses we had published from this document. Each withholding is recorded in our correction log:

Featured provisions
Generated by a model from the captured document; not read by a person

Complete Provision Index

Every distinct legal provision identified in this document. Featured provisions appear above with analysis.

127 provisions
12 featured
20 clause types
Targeting and Audience Restrictions 1
Refunds & Chargebacks 1

Cross-platform context

See how other platforms handle Arbitration agreement incorporated by reference and similar clauses.

Compare across platforms →
Archival ProvenanceSource & Archival Record
This version captured March 15, 2026 09:54 UTC
Last successful capture October 17, 2026 00:13 UTC
Date stated by the document February 3, 2023 (as printed in this version)
Capture Method Automated scheduled archival capture
Document ID CA-D-000060
Version ID CA-V-000104
SHA-256 (extracted text, extractor v5) f598fe675130d6459291551a6afc63b7adccedb7380ee9dca4aa83ec8a2cf439
✓ Snapshot stored Archived-bytes anchor not yet recorded

Explore more governance records

All Stash documents