If Stash changes, discontinues, or terminates your access to any service, your only remedy is to cancel your account — you cannot sue Stash for damages caused by those changes, even if they affect your investments.
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 clause severely limits Stash's financial accountability for decisions that could directly harm your investment portfolio, such as discontinuing an investment product or changing fee structures, leaving account closure as your only formal recourse.
If Stash discontinues a service you rely on, increases fees, or changes its investment products in a way that harms you, this clause means you cannot recover financial damages from Stash — your only option is to close your account.
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You will remain responsible for any amounts you fail to pay in connection with your subscription, including collection costs, bank overdraft fees, collection agency fees, reasonable attorneys' fees, and arbitration or court costs.
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"Further, you agree that we shall not be liable to you or any third-party for any termination, cancellation or modification of your access to, or use of, our Platform and/or our Services, except for a refund of any fees or charges prepaid by you with respect to our Services as provided under our other applicable written agreement(s) with you. You acknowledge that your only right with respect to any dissatisfaction with any modification or discontinuation of service made by us pursuant to this provision or these Terms, or any policies or practices by us in providing this Platform or our Services, including without limitation any change in content or any change in the amount or type of fees or charges associated with the Services, is to cancel or terminate your subscription or registered user account, as applicable.— Excerpt from Stash's Stash Terms of Use
(1) REGULATORY FRAMEWORK: Investment Advisers Act of 1940 (15 U.S.C. §80b-6) imposes a fiduciary duty on registered investment advisers including Stash Investments LLC, which may limit the enforceability of broad liability waivers for investment-related service changes. FINRA Rule 2010 (Standards of Commercial Honor) and suitability obligations may conflict with a complete liability waiver for investment service discontinuation. FTC Act Section 5 applies if the limitation is applied in a manner that is unfair or deceptive. State consumer protection statutes in many jurisdictions prohibit limitation of liability for gross negligence or willful misconduct. (2)
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This clause severely limits Stash's financial accountability for decisions that could directly harm your investment portfolio, such as discontinuing an investment product or changing fee structures, leaving account closure as your only formal recourse.
If Stash discontinues a service you rely on, increases fees, or changes its investment products in a way that harms you, this clause means you cannot recover financial damages from Stash — your only option is to close your account.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Stash.