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

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. Data will be deleted according to the STACK APP Data Retention and Deletion Policy.

12. Governing Law

These Terms of Service are governed by the laws of the United States and the state in which STACK APP operates, without regard to conflict of law principles.

13. 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.

14. Contact Information

For questions about these Terms of Service, contact: