You are personally responsible for all transactions, fees, and activity that occur under your Stash account, even if someone else accessed it without your permission.
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 allocation of financial responsibility clarifies the account holder's liability exposure and establishes the scope of charges that may be assessed. It defines the operational boundary between the user's financial obligation and the company's charge authorization procedures.
If someone gains unauthorized access to your Stash investment or banking account and makes trades or withdrawals, you may be held financially responsible for that activity until you report the breach, making prompt notification of any unauthorized access critically important.
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"You agree to be financially responsible for all usage or activity of Services subscribed to by you.— Excerpt from Stash's Stash Terms of Use
(1) REGULATORY FRAMEWORK: Regulation E (12 CFR Part 1005.6) limits consumer liability for unauthorized electronic fund transfers to $50 if reported within 2 business days, $500 if reported within 60 days, and potentially unlimited liability thereafter — this federal floor cannot be contractually waived and supersedes the broad 'financial responsibility' language in this clause for banking products. FINRA Rule 4370 and SEC guidance on account security for broker-dealer accounts are also relevant. FTC Act Section 5 applies if the 'financially responsible' language is used to deny legally-mandated consumer protections. CFPB is the primary enforcement authority for the banking product. (2)
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This allocation of financial responsibility clarifies the account holder's liability exposure and establishes the scope of charges that may be assessed. It defines the operational boundary between the user's financial obligation and the company's charge authorization procedures.
If someone gains unauthorized access to your Stash investment or banking account and makes trades or withdrawals, you may be held financially responsible for that activity until you report the breach, making prompt notification of any unauthorized access critically important.
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