Terms of Service

1. Acceptance of Terms

By accessing or using STACK APP, you agree to be bound by these Terms of Service. If you do not agree to these terms, you may not use the application. STACK APP provides financial tools and insights to help users understand income, expenses, taxes, and savings. STACK APP is not a bank, financial advisor, or tax advisor.

2. Eligibility

STACK APP is intended for individuals who are at least 13 years old. Users under 13 are not permitted to create an account or use the service. By using STACK APP, you represent that you are 13 years of age or older. Users between the ages of 13 and 17 may use the service with the permission of a parent or legal guardian. The parent or guardian is responsible for the minor's use of the application.

3. Use of the Service

You agree to use STACK APP only for lawful purposes and in compliance with these Terms of Service. You may not use the service to harm, disrupt, or misuse the platform or other users. STACK APP grants you a limited, non exclusive, non transferable license to use the application for personal use.

4. Financial Account Connections

STACK APP uses Plaid to allow you to connect your financial accounts securely. When you choose to connect an account:

• You authorize STACK APP and Plaid to access financial data such as balances, transactions, and account details.
• You acknowledge that STACK APP does not store or access your bank login credentials.
• You understand that Plaid handles authentication and secure data access.

Plaid's privacy policy is available at: https://plaid.com/legal

5. Personal and Financial Data

Your data is handled according to the STACK APP Privacy Policy. By using the service, you consent to the collection and processing of your information as described in that policy. STACK APP does not sell your personal or financial information.

6. User Responsibilities

You agree to:

• Provide accurate information when creating an account
• Maintain the confidentiality of your login credentials
• Notify STACK APP if you suspect unauthorized access
• Use the application in compliance with all applicable laws

You are responsible for any activity that occurs under your account.

7. Service Availability and Modifications

STACK APP may update, improve, or modify features at any time. We may also suspend or discontinue parts of the service for maintenance or operational reasons. We will make reasonable efforts to notify users of significant changes when possible.

8. Third Party Services

STACK APP may integrate with third party services such as Plaid for financial data access. These services are governed by their own terms and privacy policies. STACK APP is not responsible for the actions, content, or performance of third party providers.

9. Disclaimer

STACK APP is provided on an "as is" and "as available" basis. We do not guarantee:

• The accuracy of financial data from third party providers
• That the service will be uninterrupted or error free
• That calculations or insights are suitable for financial or tax decisions

STACK APP does not provide financial, legal, or tax advice. You are responsible for verifying information before making financial decisions.

10. Limitation of Liability

To the fullest extent permitted by law, STACK APP and its team are not liable for:

• Any indirect, incidental, or consequential damages
• Loss of data, profits, or financial losses
• Errors in financial data provided by external services
• Unauthorized access resulting from your failure to secure your credentials

Your sole remedy for dissatisfaction with the service is to stop using STACK APP.

11. Termination and Account Deletion

STACK APP may suspend or terminate your account if you violate these Terms of Service or misuse the platform. You may delete your account at any time from the Settings page. When you request deletion:

• All connected bank accounts are disconnected immediately.
• Any active paid subscription is canceled immediately.
• Your account enters a 30-day grace period. During this window, you may sign in and restore the account.
• After 30 days, your account and associated data are permanently deleted and cannot be recovered.

See the Privacy Policy for the complete data retention schedule.

12. Billing, Subscriptions, and Refunds

STACK APP offers paid subscription plans. By subscribing you agree to the following:

• Payment processor. Payments are processed by Stripe, Inc. You authorize us (and Stripe on our behalf) to charge your selected payment method for the applicable fees, taxes, and any recurring renewal amounts.
• Auto-renewal. Subscriptions renew automatically at the end of each billing period (monthly or annual, depending on the plan you selected) at the then-current price, until you cancel.
• Cancel anytime. You may cancel your subscription at any time from the Settings page. When you cancel, your subscription will not renew, and you will retain access to paid features through the end of the billing period you have already paid for.
• 30-day money-back guarantee. If you are not satisfied with your initial subscription, you may request a full refund within 30 days of your first paid charge by emailing support@jamesmarinofinance.com from the email address on your account. This guarantee applies one time per user to the initial subscription purchase.
• No pro-rated refunds after 30 days. Except for the 30-day money-back guarantee above and where required by law, all fees are non-refundable. We do not issue refunds or credits for partial billing periods, unused time, or features you choose not to use.
• Price changes. We may change subscription pricing from time to time. Any price change will take effect at the start of your next billing period, and we will provide reasonable advance notice. If you do not agree to the new price, you may cancel before the change takes effect.
• Failed payments. If a renewal charge fails, we may retry the charge, restrict access to paid features, or cancel the subscription.
• Taxes. You are responsible for any sales, use, value-added, or similar taxes that apply to your subscription.

13. Governing Law and Dispute Resolution

These Terms of Service are governed by the laws of the State of California, without regard to its conflict of law principles. You and STACK APP agree that any dispute, claim, or controversy arising out of or relating to these terms or the service will be brought exclusively in the state or federal courts located in California, and you consent to the personal jurisdiction of those courts. Nothing in this section prevents either party from seeking injunctive or equitable relief.

14. Changes to These Terms

STACK APP may update these Terms of Service at any time. We will notify users of significant updates by email or within the application. Your continued use of the service after changes are posted means you accept the updated terms.

15. Contact Information

For questions about these Terms of Service, contact: