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.
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.
Founding Members ($89.99/yr) keep that price for life. Lifetime users ($249 one-time) keep access for life. Both are limited tiers that you claim by paying at signup. Pro Annual ($99.99/yr) includes a 30-day free trial at the current public rate. You can refund any payment within 7 days with one click, and 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 (Max)
- 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, Max's recommendation 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.
How paid plans start
There are two ways to start a paid plan, and you choose at the payment step during onboarding or later in Settings.
Claim a limited slot, pay now. Founding Member and Lifetime are limited tiers, so you claim your slot by paying at signup. These tiers do not include a trial period, because your slot is held the moment your payment goes through. Your 7-day refund window, described below, is your risk-free window. Founding Member is billed at $89.99 with a 13-month first term, one bonus month, and then renews annually at $89.99. Lifetime is a single $249 payment with no recurring charge and access that starts immediately.
Start a 30-day free trial. Pro Annual ($99.99/year) starts with a 30-day free trial with every feature included. We require a payment method at signup so your access continues without a gap when the trial ends, at which point your card is charged for Pro Annual unless you cancel, switch to Pro Monthly, or switch to Free beforehand. We send reminder emails at day 23 and day 28 of your trial, so you have clear notice before any charge. The trial path does not hold a Founding Member or Lifetime slot and does not lock your price, so Pro Annual is billed at the public rate in effect at conversion, which can change over time.
Pro Monthly is billed immediately at signup at $9.99/month with no trial period, and continues until you cancel. You can switch tiers or cancel anytime from Settings.
Pro tier definitions
Preserving your Founding Member rate. Founding Member pricing is preserved as long as your annual subscription auto-renews successfully. If a renewal payment fails, you have a 7-day grace period to update your payment method without losing your Founding Member rate. Stack maintains full Pro access during this grace period. After 7 days of failed payment, the subscription is considered cancelled and the Founding Member rate is forfeited; re-subscribing afterward will be at the then-current public price.
Voluntary downgrade to Pro Monthly. If you choose to switch from Pro Annual to Pro Monthly, your Founding Member rate is preserved indefinitely. You may return to Pro Annual at $89.99/year at any time as long as your subscription remains continuously paid (annual or monthly). There is no time limit on this return.
Voluntary downgrade to Free. If you choose to switch from a paid plan to the Free tier, your Founding Member rate is preserved for 90 days from the date of downgrade. Returning to any paid plan (Pro Annual or Pro Monthly) within this 90-day window preserves your Founding Member rate. After 90 days on Free, the Founding Member rate is forfeited; re-upgrading to Pro Annual will be at the then-current public price.
Pro Monthly payment failure while at Founding Member rate. If you have switched from Pro Annual to Pro Monthly as a Founding Member and a $9.99/month renewal payment fails, you have a 7-day grace period to update your payment method (identical to the Pro Annual payment failure policy). If the payment recovers within 7 days, your Founding Member entitlement is preserved. If the payment does not recover within 7 days, your subscription transitions to the Free tier and your Founding Member entitlement enters the 90-day Free forgiveness window described above. Returning to any paid plan within those 90 days preserves your $89.99/year Founding Member rate. After 90 days without returning to a paid plan, the Founding Member rate is forfeited.
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. This 7-day window applies to every plan.
Limited-tier slots. Founding Member and Lifetime are limited tiers that you claim by paying at signup. If you refund a Founding Member or Lifetime payment within the 7-day window, your slot is returned to the available pool. After 7 days, your slot is considered claimed.
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
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