Disclosures & Community Guidelines
We have a few simple rules about posts:
Be civil and respectful.
Respect others and don’t be a jerk—even if you disagree. Don’t post anything that’s inappropriate, offensive, profane, culturally, racially, or socially insensitive, disruptive, harassing or defamatory.
Stay on topic.
This is a place to talk about Stash and finances. Yes, many members of the Stash team also love burritos, but this is a place to talk about Stash and finances. Tangents are cool. Have fun. But keep things somewhat topical.
Never post personal or sensitive information. This is a public community, so if you post something, everyone can see it. Keep your private information to yourself, and never post your Social Security number, account information, passwords, PINs, or anything else private on any of our social channels. Stash is not subject to obligation of confidentiality for information submitted to Stash through any social media platforms.
Never post fraudulent content or false information. Don’t post copyrighted content without permission.
No referral links (nor self-promotion).
Just don’t. No links for self-gain or advertisements of any kind. Don’t post referral links, SPAM, ads, or duplicate posts. Additionally, don’t attempt to promote investments (including posting testimonials, giving investment advice, or making recommendations about specific securities, securities strategies, products, or services) on Stash Social Space.
Social media sites have terms, too.
Facebook, Twitter, Instagram, Reddit, Discord, and all other social sites and apps have their own terms, conditions, and privacy standards. We don’t own these sites, so keep in mind that by using their services, you’re also agreeing to their terms, conditions, and rules.
The Ban Hammer is real.
Stash may monitor content published on Stash Social Space, though it is not obligated to do so, and may remove posts that do not adhere to Stash’s rules. In addition to removing posts that don’t follow our rules, we may suspend or block users that repeatedly violate our community guidelines. And when appropriate, we may report users who violate the law to law enforcement.
We believe in open dialogue and free exchange of ideas. That’s why we will never delete posts that are critical of Stash. But we do reserve the right to delete content that violates our community guidelines.
Our online communities are a place to chat, learn, and improve.
Everyone’s views are their own…
We don’t endorse anyone else’s views. Period. Your views are your own, and so are everyone else’s. Only official Stash accounts speak for Stash.
Links aren’t endorsements…
We sometimes share content or links for informational purposes or just for fun. This doesn’t mean we endorse the individual or company responsible for content. We also have some advertising relationships, but we’ll always let you know if a post is from a paid partner or sponsored in any way.
Connecting with customer service
If you have an account issue that you can’t solve, we encourage you to reach out to our customer service team here.
We reserve the right to change these guidelines from time to time and without notice.
Stash publishes content through pages, profiles, accounts, feeds, channels, and other various social media platforms for educational, promotional, and other business reasons (herein the “Stash Content”), including, but not limited to, on Instagram, Facebook, Twitter, Snapchat, YouTube,Tik Tok, and Reddit, (collectively the “Stash Social Space”).
Stash Content has been distributed for informational and educational purposes only, represents an assessment of the market environment as of the date of publication, is subject to change without notice, and is not intended as investment, legal, accounting, or tax advice or opinion. Stash Content is not intended for distribution to, or use by, any person or entity in any jurisdiction where such distribution or use would be contrary to law or regulation or which would subject Stash or any of Stash’s products or services to any authorization, registration, licensing, or notification requirement within any jurisdiction outside of those jurisdictions in which the underlying financial institutions are licensed to operate. Advisory products and services are offered through Stash Investments LLC.
Stash’s investment advisory services are available only to residents of the United States in jurisdictions where Stash is registered. In order to open a Stash account, you must be at least 18 years of age.
Stash may monitor third-party content published on Stash Social Space, but such content is not reviewed before it is displayed. Third-party content on any Stash Social Space is the view and responsibility of the third-party, not Stash. Stash cannot guarantee and expressly disclaims any responsibility for the appropriateness, accuracy, quality, or usefulness of any content, product, or service provided by any third-party or any third-party hyperlink. Stash is not responsible for any unauthorized or copyrighted materials contributed by a third-party on Stash Social Space. Stash reserves the right to remove, alter, edit or adapt any third-party content on Stash Social Space. Any descriptions of, references to, or links to other products, publications or services do not constitute an endorsement, authorization, sponsorship by, or affiliation with Stash with respect to any hyper-linked site or its sponsor, unless expressly stated by Stash.
In no event shall Stash, its respective affiliates, directors, officers, registered representatives, or employees, be liable for any damages of any kind (including, without limitation, special, incidental, indirect, or consequential damages) on any theory of liability arising out of or in connection with your access, use of, or inability to access or use, a social media platform. Use of a social media platform or any of Stash’s social media platforms is at your own risk. Stash reserves the right to block a user for inappropriate or offensive posts, such as spam or links to promotional sites.
Investing involves risk. Holdings and performance are hypothetical. Stash Banking services provided by Stride Bank, N.A., Member FDIC. The Stash Stock-Back® Debit Mastercard® is issued by Stride Bank pursuant to license from Mastercard International. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Any earned stock rewards will be held in your Stash Invest account. Investment products and services provided by Stash Investments LLC and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.
In order to earn stock in the program, the Stash Stock-Back® Debit Mastercard® (Stock-Back® Card) must be used to make a qualifying purchase. All rewards earned through use of the Stash Stock-Back® Debit Mastercard® will be fulfilled by Stash Investments LLC and are subject to Terms and Conditions. You will bear the standard fees and expenses reflected in the pricing of the investments that you earn, plus fees for various ancillary services charged by Stash. In order to earn stock in the program, the Stash Stock-Back® Debit Mastercard must be used to make a qualifying purchase. Stock rewards that are paid to participating customers via the Stash Stock Back program, are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. What doesn’t count: Cash withdrawals, money orders, prepaid cards, and P2P payment. If you make a qualifying purchase at a merchant that is not publicly traded or otherwise available on Stash, you will receive a stock reward in an ETF or other investment of your choice from a list of companies available on Stash. See Terms and Conditions for more details.
This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers. All product and company names are trademarks™ or registered®trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.
The customer is responsible for the monthly Stash advisory fee, which starts at $1 per month and includes brokerage services but does not include additional costs that are charged by Stash and the custodian for ancillary services. For more information, please refer to: Disclosure Library.
Stash does not monitor whether a customer is eligible for a particular type of IRA, or a tax deduction, or if a reduced contribution limit applies to a customer. These are based on a customer’s individual circumstances. You should consult with a tax advisor. For Securities priced over $1,000, purchase of fractional shares starts at $0.05
For all tax related inquiries, please consult a professional tax advisor.
More information about our Boilerplate:
* Our active subscribers have set aside nearly $3B thanks to regular, automatic deposits of $33 on average.
This calculation is the average transfer amount via Auto Stash as of August 2022. This calculation includes transfers completed through Auto Stash for taxable brokerage accounts, custodial accounts, and IRAs. This calculation does not take withdrawals into consideration.
** Stashers are 18% more financially literate than the average American.
Based on surveys conducted online within the United States by Stash using SurveyMonkey technology in April 2021 and May 2022. The 2022 surveys were completed by 1,256 non-Stashers and 1,006 Stash customers. “Financial literacy” is determined and defined by the percent of correct answers to a series of financial questions by respondents, on average. Users were grouped into buckets by the number of months using Stash, then the average scores were calculated for each group, and the 12-month moving average was plotted to show the clear trend between tenure and score.
More Information About the Pinned Tweet:
Predatory hidden fees: The Monthly Wrap Fee starts at $1.00 and you’ll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various ancillary services charged by Stash. For overdraft transactions, the transaction is declined and no fee is charged.
This hypothetical example assumes that a user selects the $1 Stash Beginner plan and invests $2.90 per day which is compounded daily using a 5% hypothetical annual rate of return. Under these assumptions a user would pay $486.00 over 40 years in fees to Stash. Under the model where a user pays $1, but then 25 bps annualized for cash above $5000, a user would pay $2,171.97 over 40 years in fees. The projections do not account for taxes or withdrawals. Client’s actual Stash invest account may be different for many reasons including, but not limited to, market fluctuations and volatility, changes in clients’ recurring investments, withdrawals, additional investments, time horizon, taxes and fees. Client’s should consider their objectives before investing. Investment outcomes and projections are forward-looking statements and hypothetical in nature. A client’s account balance may be more or less than their original investment. This example is for illustrative purposes only and is not indicative of the performance of any actual investment. Actual return and principal value may be more or less than the original investment.
Unfair Entry Barriers: For Securities priced over $1,000, purchase of fractional shares starts at 5¢.
STASH STOCK PARTY REWARDS PROGRAM
To be eligible to receive a Stock Reward you must open a personal investment account advised by Stash that is in good standing with a valid email address. This program is subject to Terms and Conditions. All product and company names are trademarks™ or registered®trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.
See Stock-Back Rewards terms and conditions.
If you make a qualifying purchase at a merchant that is not publicly traded or otherwise available on Stash, you will receive a stock reward in an ETF or other investment of your choice from a list of companies available on Stash.
Disclosures related to Stash101™
Stash101 is offered solely for educational and informational purposes and is provided free of charge. All statements, opinions and analyses presented within Stash101 are provided as general information. While Stash101 is affiliated with Stash Investments LLC (“Stash RIA”), an SEC registered investment adviser that charges fees, Stash101 is not an investment adviser and is separate and apart from Stash RIA. Nothing contained herein is intended to be, nor shall it be construed as, investment advice, nor is it to be relied upon in making any investment or other decision.