Provisions Index

Stash sends promotional and marketing communications and allows you to opt out of marketing emails, but notes that you cannot opt out of service-related communications while your account is active....

Why it matters: You can stop receiving marketing messages but will continue to receive operational and account communications as long as you remain a Stash customer....

If you have a dispute with Stash, you must resolve it through private arbitration administered by JAMS or AAA rather than through a court of law. You cannot bring your claim as part of a class action lawsuit....

Why it matters: Arbitration removes your ability to have a judge or jury decide your case, typically favors companies over consumers, and limits your ability to appeal outcomes....

You agree to give up your right to participate in any class action lawsuit or class-wide arbitration against Stash. Any claims must be brought individually....

Why it matters: Class actions allow many consumers with small individual harms to collectively pursue a company; waiving this right means each consumer must pursue claims alone, which is often economically impractical for small losses....

Stash can change, restrict, or shut down any part of its platform or services at any time without telling you in advance. Your only option if you disagree is to cancel your account....

Why it matters: For a financial services platform holding your investments and banking funds, the ability to change services — including fee structures — without prior notice creates meaningful financial and operational risk for users....

Stash's financial responsibility to you for any harm caused by its platform or services is capped at the fees you paid to Stash in the 12 months before the problem occurred....

Why it matters: If you suffer significant investment losses or financial harm due to a platform error or failure, Stash's maximum legal liability is limited to your subscription fees — not your actual financial losses....

You agree to pay Stash's legal costs and damages if Stash faces any claims, lawsuits, or losses arising from your use of the platform, your violation of the Terms, or your violation of anyone else's rights....

Why it matters: This means users could be personally liable for Stash's legal fees and costs in situations arising from the user's conduct on the platform, which can be financially significant....

By using Stash, you consent to receive all communications — including legally required disclosures, account notices, and agreements — electronically via email, app notifications, or website posting....

Why it matters: This means important notices about your account, fees, or legal rights may be delivered only through electronic channels, and you are responsible for checking these channels regularly....

Stash can cancel or deactivate your account, delete your account information, and block your access to the platform at any time without giving you advance notice if you violate the Terms....

Why it matters: For a financial services account holding investments and banking funds, sudden termination without notice could disrupt access to your money and require urgent steps to recover your assets....

By creating an account, you agree to let Stash share your personal information — including your name, address, phone number, email, and billing details — with third parties to verify your identity and process payments....

Why it matters: Your personal and financial information will be shared with external parties as part of normal account operation, and the scope of these third parties and their data handling practices may not be fully specified in the Terms....

When you submit any content to the Stash platform, you grant Stash a broad, royalty-free, perpetual license to use, reproduce, modify, and distribute that content in any way, anywhere in the world....

Why it matters: Any information, communications, or content you submit to Stash can be used by the company globally and in perpetuity without compensating you....

These Terms are governed by the laws of New York State, and any disputes not subject to arbitration must be brought in courts located in New York....

Why it matters: If you live outside New York and need to pursue a legal claim against Stash outside of arbitration, you may be required to do so under New York law and potentially in New York courts, which adds cost and complexity for non-New York residents....