127 Total
60 High severity
51 Medium severity
16 Low severity

Key Facts

What does Stash incorporate into the Terms of Use?
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.
For which users does Stash incorporate the Arbitration Agreement from the Advisory Agreement?
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?
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.
Is the right granted to Stash worldwide and royalty-free?
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.
Can Stash's successors and assigns use the rights granted?
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?
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?
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.
Is Stash liable for indirect damages arising from the inability to use the Platform and/or Services?
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?
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.
Is liability capped at the total amount paid by the user in the twelve-month period immediately preceding the event giving rise to liability?
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.
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Summary

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
Institutional analysis available with Insight

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

Featured, High severity

Complete Provision Index

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

127 provisions
12 featured
20 clause types
60 high severity
Indemnification 1 1 high
Targeting and Audience Restrictions 1 1 high
Refunds & Chargebacks 1
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Mapped Governance Frameworks

CCPA/CPRA
California, USA
View official text ↗
Connecticut Data Privacy Act Amendments
US-CT
View official text ↗
CAN-SPAM
United States Federal
View official text ↗
EFTA / Reg E
United States Federal
View official text ↗
FCRA
United States Federal
View official text ↗
FAA
United States Federal
View official text ↗
FTC Act Section 5
United States Federal
View official text ↗
GLBA
United States Federal
View official text ↗
Indiana Consumer Data Protection Act
US-IN
View official text ↗
Kentucky Consumer Data Protection Act
US-KY
View official text ↗
Universal Opt-Out Mechanism Expansion 2026
US
View official text ↗
Archival ProvenanceSource & Archival Record
Last Captured March 15, 2026 09:54 UTC
Capture Method Automated scheduled archival capture
Document ID CA-D-000060
Version ID CA-V-000104
SHA-256 d96a2eef7379a0bcc12d5bb76cb2157966e86d87f8eb29212bfdebd5eb59ed9a
✓ Snapshot stored ✓ Text extracted ✓ Change verified ✓ Hash verified

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