Provision record
Stash · Stash Terms of Use · View original document ↗

Unilateral Modification of Terms

High severity Common · 296 of 352 platforms
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Document Record

What it is

Stash can change these Terms at any time, and if you keep using the app or website after being notified of changes, you automatically agree to the new Terms — even if you didn't read them.

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)

Stash can alter fees, data practices, dispute resolution procedures, or service terms without your affirmative consent, and silence (continued use) is treated as agreement, which is particularly significant for a financial platform holding your money.

Clause Stability Stable

0
Changes
5
Months Monitored
Apr 27, 2026
First Seen
May 22, 2026
Last Seen
This clause type exists across 4187 other provisions on other platforms.

Consumer impact (what this means for users)

This provision means Stash can change the rules governing your investments, banking account, and legal rights at any time, and you will be bound by those changes simply by logging in or continuing to use the app after notification.

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.
  • Close Your Account
    If you disagree with updated Terms, your only recourse per the agreement is to close your account. Navigate to account settings in the Stash app or contact Stash Support at ask.stash.com to initiate account closure before the new Terms take effect.

How other platforms handle this

ZipRecruiter Medium

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NVIDIA NIM Medium

telemetry information collected includes: (i) microservice settings, (ii) usage data and (iii) hardware environment.

Glassdoor Medium

Some of our ad partners may also enable us to collect similar data directly from their website or app by integrating our or our affiliates' advertising technology.

See all platforms with this clause type →
▸ View Original Clause Language DOCUMENT RECORD
"
YOU ACKNOWLEDGE THAT THESE TERMS MAY BE AMENDED FROM TIME TO TIME. AMENDED TERMS WILL BE POSTED ON THE STASH WEBSITE, THE WEBSITE OR MOBILE APPLICATION (COLLECTIVELY WITH THE WEBSITE, THE "PLATFORM"). YOU WILL BE NOTIFIED OF AMENDED TERMS BY WEBSITE POSTINGS, EMAILS LINKING TO THE WEBSITE, OTHER EMAILS, TEXT OR PUSH MESSAGES, TRADITIONAL MAIL OR OTHER MEANS OF NOTIFICATION VIA THE PLATFORM. YOU AGREE THAT, BY USING THE PLATFORM WITHOUT OBJECTING IN WRITING AFTER STASH NOTIFIES YOU OF A NEW VERSION OF THESE TERMS, YOU WILL AGREE TO AND ACCEPT ALL TERMS AND CONDITIONS OF ANY AMENDED TERMS, INCLUDING ANY NEW OR CHANGED TERMS OR CONDITIONS.

Excerpt from Stash's Terms of Use

ConductAtlas Analysis

Institutional analysis (regulatory & governance intelligence)

(1) REGULATORY FRAMEWORK: FTC Act Section 5 (15 U.S.C.

Insight

Unlock the full institutional analysis

Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.

Applicable agencies

  • Consumer Financial Protection Bureau (cfpb)
    Regulates consumer financial products and services. Can investigate companies for unfair, deceptive, or abusive financial practices including improper fees, billing errors, and data misuse.
    Who can file: Anyone who has used a consumer financial product or service in the US
    What you need: Account number or details, dates of transactions or events, description of the issue, and any supporting documents
    What to expect: The company must respond within 15 days. The CFPB forwards your complaint and may use it in enforcement actions. Individual compensation is possible in some cases.
    File a complaint →
  • Federal Trade Commission (ftc)
    Oversees unfair or deceptive business practices and can investigate companies that mislead consumers about data collection, sharing, or use.
    Who can file: Anyone affected by the company's practices (US or international)
    What you need: Your account details, a timeline of relevant events, and a description of the specific issue
    What to expect: Complaints inform FTC enforcement priorities and investigations but do not result in individual resolution or compensation
    File a complaint →

Applicable regulations

CCPA/CPRA
California, USA
Connecticut Data Privacy Act Amendments
US-CT
CAN-SPAM
United States Federal
FCRA
United States Federal
FTC Act Section 5
United States Federal
GLBA
United States Federal
Indiana Consumer Data Protection Act
US-IN
Kentucky Consumer Data Protection Act
US-KY
Universal Opt-Out Mechanism Expansion 2026
US

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-003328
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-003328
Captured: 2026-03-15 10:47:46 UTC
SHA-256: 3ffd119a2e224fd2…
URL: https://conductatlas.com/platform/stash/stash-terms-of-use/provision/CA-P-003328/unilateral-modification-of-terms/
Accessed: Sept. 8, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
High
Categories

Other risks in this policy

Related Analysis

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Frequently Asked Questions

What does Stash's Unilateral Modification of Terms clause do?

Stash can alter fees, data practices, dispute resolution procedures, or service terms without your affirmative consent, and silence (continued use) is treated as agreement, which is particularly significant for a financial platform holding your money.

How does this clause affect you?

This provision means Stash can change the rules governing your investments, banking account, and legal rights at any time, and you will be bound by those changes simply by logging in or continuing to use the app after notification.

How many platforms have this type of clause?

ConductAtlas has identified this type of provision across 296 platforms. See the full comparison.

Is ConductAtlas affiliated with Stash?

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