Stash · Stash Terms of Use · View original document ↗

Termination Fee Non-Reversal

Medium severity Unique · 0 of 325 platforms
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Document Record

What it is

If you cancel your Stash subscription, you will still be charged any fees that accrued before the cancellation was processed, and Stash will not refund those charges.

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

ConductAtlas Analysis

Why it matters (compliance & governance perspective)

The clause creates a processing timeline for termination requests while establishing that pre-termination charges remain non-reversible, which affects when service obligations and billing cease relative to when the termination request is submitted.

Consumer impact (what this means for users)

When you cancel your Stash account, any subscription fees charged before the cancellation is processed within the 3-business-day window are non-refundable, which means you could owe fees even after you've decided to leave the platform.

What you can do

⚠️ These actions may provide transparency or partial mitigation but may not fully address the underlying issue. Effectiveness varies by jurisdiction and individual circumstances.
  • Cancel Subscription
    To cancel your Stash subscription, go to account settings in the Stash app and submit a cancellation request, or contact Stash Support at ask.stash.com. Submit the request before your next billing date to minimize fees incurred during the 3-business-day processing window. Keep a record of the date and time of your cancellation request.

How other platforms handle this

Midjourney Medium

We also reserve the right to terminate Your access to the Service for any reason, including for violation of the Community Guidelines or other inappropriate use of the Service. Any violation of Community Guidelines is a breach of this Agreement. You will not be refunded for the current subscription ...

Coinbase Medium

When you convert one cryptocurrency to another, Coinbase charges a spread of approximately 0.5% (higher or lower depending on market fluctuations) and a Coinbase Fee based on the size of the transaction and your region.

Revolut Medium

You can close your account at any time through the Revolut app, or by emailing us at support@revolut.com. You will still have to pay any charges you've incurred. We may also charge you any cancellation fees that apply to other agreements you've entered into with us (for example, if you cancel your M...

See all platforms with this clause type →

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▸ View Original Clause Language DOCUMENT RECORD
"
We will attempt to process all requests to cancel or terminate your subscription or registered user account within 3 business days after we receive your request and all documentation required to cancel or terminate your subscription or registered user account, and you acknowledge and agree that charges and fees incurred prior to the effective time of cancellation or termination will not be reversed.

— Excerpt from Stash's Stash Terms of Use

ConductAtlas Analysis

Institutional analysis (Compliance & governance intelligence)

(1) REGULATORY FRAMEWORK: FTC Act Section 5 (15 U.S.C. §45) and the FTC's Negative Option Rule (16 CFR Part 425) govern subscription cancellation and fee disclosure practices. The FTC's updated Click-to-Cancel Rule (2024) requires that cancellation be as easy as sign-up and that consumers not be charged after a cancellation request is received and confirmed. State auto-renewal laws (California Automatic Renewal Law, Cal. Bus. & Prof. Code §17600 et seq.; New York General Obligations Law §5-903) impose specific disclosure and refund requirements for subscription services. CFPB has authority over fee practices in financial services subscriptions. (2)

Full compliance analysis

Regulatory citations, enforcement risk, and due diligence action items.

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Applicable agencies

  • FTC
    The FTC enforces the Negative Option Rule and Click-to-Cancel requirements for subscription services, directly applicable to Stash's cancellation and fee non-reversal practices.
    File a complaint →
  • State AG
    State attorneys general in California and New York enforce state-specific auto-renewal and subscription cancellation laws that may require refunds or immediate cancellation processing beyond what Stash's Terms provide.
    File a complaint →

Provision details

Document information
Document
Stash Terms of Use
Entity
Stash
Document last updated
March 14, 2026
Tracking information
First tracked
March 15, 2026
Last verified
April 27, 2026
Record ID
CA-P-003332
Document ID
CA-D-00060
Evidence Provenance
Source URL
Wayback Machine
Content hash (SHA-256)
3ffd119a2e224fd289c41ae5feccb032dd206833a7c21b5c7ea093fb8b60ce02
Analysis generated
March 15, 2026 10:47 UTC
Methodology
Evidence
✓ Snapshot stored   ✓ Hash verified
Citation Record
Entity: Stash
Document: Stash Terms of Use
Record ID: CA-P-003332
Captured: 2026-03-15 10:47:46 UTC
SHA-256: 3ffd119a2e224fd2…
URL: https://conductatlas.com/platform/stash/stash-terms-of-use/termination-fee-non-reversal/
Accessed: May 20, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
Medium
Categories

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Frequently Asked Questions

What does Stash's Termination Fee Non-Reversal clause do?

The clause creates a processing timeline for termination requests while establishing that pre-termination charges remain non-reversible, which affects when service obligations and billing cease relative to when the termination request is submitted.

How does this clause affect you?

When you cancel your Stash account, any subscription fees charged before the cancellation is processed within the 3-business-day window are non-refundable, which means you could owe fees even after you've decided to leave the platform.

Is ConductAtlas affiliated with Stash?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Stash.