The terms you agree to.

By using Stack, you agree to the things below. The most important ones: Stack is a software tool, not a financial advisor; you're responsible for the financial decisions you make using Stack; our subscription terms are exactly what we say on the pricing page; you can cancel anytime; refunds are one-click within 7 days.

Where this document is in its lifecycle

This is the v1.0 · Closed Beta version of Stack's Terms of Service. Material changes will be communicated to all users by email at least 14 days before they take effect. The next planned revision is at public launch in Q3 2026, when Stack opens to general signups.

The short version

Stack is a software tool that helps you track spending and optimize credit card rewards. We don't move your money, lend you money, or hold your funds. The recommendations Stack makes are informational; the financial decisions you make are yours.

If you subscribe, our pricing is locked at the tier you joined. Founding Members ($89.99/yr) keep that price for life. Lifetime users ($249 one-time) keep access for life. You can refund any payment within 7 days with one click. You can cancel anytime.

If anything below is unclear, email legal@usestack.app.

Who we are

Stack is operated by Stack Money, Inc., a Delaware C-Corporation. The Stack app, the usestack.app website, and the Stack brand are owned by Stack Money, Inc. In these Terms, "Stack," "we," and "us" refer to Stack Money, Inc.

Acceptance of terms

By creating a Stack account or by signing up for the Stack waitlist, you agree to these Terms of Service and our Privacy Policy. If you don't agree, please don't use Stack.

Your account

To use Stack, you must:

Be at least 18 years old
Provide accurate account information
Keep your password secure
Notify us if your account is compromised

You're responsible for activity on your account. Each paid account is for the use of a single individual. You may not share, lend, or otherwise allow others to access your Pro, Founding Member, or Lifetime account.

What Stack does

Stack helps you track spending and optimize credit card rewards. The product includes:

Budget tracking and spending categorization
Credit card rewards optimization (the Optimizer)
Bonus category cap tracking (the Cap Tracker)
Missed Rewards calculations showing your personalized rewards gap
Net worth tracking
Conversational AI assistance through Max

Stack is a software tool. We don't move your money, lend you money, hold your funds, or provide financial advisory services.

Acceptable use

You agree to use Stack only for lawful purposes. You agree not to:

Use Stack to commit fraud or violate financial regulations
Attempt to access other users' accounts
Reverse engineer, decompile, or scrape Stack's card terms data, the Optimizer logic, or any other proprietary content
Programmatically extract data from Stack for the purpose of building competing products
Submit fabricated transaction data or false card information with the intent to manipulate Stack's outputs
Misrepresent any affiliate, referral, or partnership relationship with Stack, or use Stack's name, logo, or brand to suggest an endorsement or partnership that doesn't exist
Use Stack to harm others
Resell access to Stack
Share, lend, or otherwise allow others to access your Pro, Founding Member, or Lifetime account

Violations may result in account suspension or termination.

Subscription terms

Free tier

Stack offers a free tier with no time limit and no credit card required. You can use Stack's core tracking features indefinitely at no cost.

30-day Pro trial

Every new paid Stack account starts with a 30-day Pro trial with every feature unlocked. We require a payment method at signup so the experience is seamless on day 30.

On day 30, your card is charged for Pro Annual ($89.99/yr for Founding Members during the first 1,000 paid signups; $99.99/yr for users joining after the Founding Member tier closes) unless you cancel or downgrade beforehand.

We will send reminder emails at day 23 and day 28 of your trial before any auto-conversion charge, so you have clear notice of the upcoming charge and time to switch tiers or cancel. You can switch tiers or cancel anytime from Settings.

Pro tier definitions

Founding Member

$89.99/year

Locked-for-life pricing available to the first 1,000 paid signups. After the first 1,000 paid signups are accepted, the tier closes permanently and new signups are subject to the public price. Existing Founding Members retain their $89.99/year price as long as their subscription remains continuously active and is not cancelled. If you cancel and rejoin later, you'll be subject to the public price in effect at rejoin.

Lifetime

$249 one-time

Single-payment lifetime access available to the first 250 paid signups. After the first 250 are claimed, the tier closes permanently. Lifetime users retain Pro access indefinitely, including future Pro features. Price guaranteed forever, not dependent on a sale we might end tomorrow.

Pro Annual (public)

$99.99/year

Standard annual subscription available to all users once the Founding Member tier closes. Renews annually unless cancelled.

Pro Monthly

$9.99/month

Standard monthly subscription. Cancel anytime. Renews monthly unless cancelled.

Refunds

You may request a full refund within 7 days of any payment by tapping the one-click refund button in Settings. The refund is automated and tier downgrade is immediate. No support ticket required. No retention prompts. No questions.

After 7 days, refunds are handled case-by-case. Email hello@usestack.app with your situation. The commitment is to treat the request fairly, not to guarantee a specific outcome.

The Affiliate Pledge

Incorporated by reference

Stack maintains a public Affiliate Pledge at usestack.app/pledge describing how Stack makes money from card recommendations and how it does not. The Affiliate Pledge is incorporated into these Terms by reference. If Stack fails to honor the pledge, the escalation path described on that page is real and binding.

In short: Stack's recommendation engine is not influenced by affiliate payouts. When the Explore Cards feature ships and a user chooses to apply for a card through Stack, an issuing bank may pay Stack a referral. That is the only point at which affiliate revenue enters Stack's books. Recommendations never see it.

Your data

Your data belongs to you. See our Privacy Policy for the full details on what we collect, how we use it, who we share it with (a small list of service providers, no advertisers ever), and the rights you have over your data.

You can request a copy of all your data, delete your account, or correct any inaccuracy by emailing privacy@usestack.app.

Third-party services

Stack uses third-party services to deliver the product, including Plaid (bank connections, if you choose to link an account), OpenAI (powers Max), Stripe (payment processing), Supabase (database hosting), Resend (email delivery), Cloudflare (website hosting and routing), and Plausible (privacy-respecting analytics). Each has their own terms of service.

By using Stack, you also agree to the relevant terms of these third-party services as they apply to your use of their features within Stack.

Service availability

Stack may be unavailable during maintenance, due to technical issues, or due to third-party service outages. We aim for high availability but don't guarantee uninterrupted service. We're a small team and we'll be honest with you when things go wrong rather than pretending they didn't.

Disclaimers

Stack provides information about your finances and recommendations about card usage. Stack is not:

A financial advisor or registered investment advisor
A bank, money transmitter, or other financial institution
A guarantee of specific rewards, savings, or financial outcomes

Decisions about your finances are yours. Stack is a tool to inform those decisions, not a substitute for professional financial advice. Stack is provided "as is" and "as available." To the maximum extent allowed by law, we disclaim implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We make every effort to keep card terms (bonus categories, caps, multipliers) accurate. Card terms change. We update them as quickly as we can. If you spot an outdated card detail in Stack, email hello@usestack.app.

Limitation of liability

To the maximum extent allowed by law, Stack is not liable for:

Lost rewards opportunities or rewards earnings that differ from expectations
Errors in recommendations
Third-party service issues (including but not limited to Plaid bank-connection failures, OpenAI service interruptions, or Stripe payment processing errors)
Indirect, incidental, consequential, or punitive damages

Stack's total liability to you for any claim related to Stack is limited to the amount you've paid Stack in the 12 months preceding the claim.

Termination

You can delete your account anytime in Settings. Account deletion permanently removes your data on the timeline described in our Privacy Policy.

We can suspend or terminate accounts that violate these Terms. In most cases we'll contact you first if it's something correctable.

Changes to these terms

If we update these Terms, we'll notify all users by email at least 14 days before material changes take effect, and post the updated version with a new "Last updated" date and version number. Continued use of Stack after the change indicates acceptance of the updated Terms.

Governing law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws principles. Any disputes arising out of or related to these Terms shall be resolved in the state or federal courts located in Delaware.

Where binding arbitration is permitted by law and elected by either party, disputes will be resolved through binding arbitration in Delaware, with each party bearing its own costs.

Contact

Questions about these Terms? Email legal@usestack.app. For all other support, see our support page.

Stack Money, Inc.
A Delaware C-Corporation