Disclosures & Community Guidelines
Updated Nov. 17, 2020
Stash Investments LLC “(Stash”) is an SEC Registered investment adviser. Stash Capital LLC, an SEC registered broker-dealer and member FINRA/SIPC, serves as introducing broker for Stash Clients’ advisory accounts. Apex Clearing Corporation, a third-party SEC registered broker-dealer and member FINRA/SIPC, provides clearing and execution services and serves as qualified custodian for advisory assets of Stash Clients.
Stash 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. Bank Account Services provided by Green Dot Bank and Stash Visa Debit card (Stock-Back® Card) issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association. Card is subject to identity verification. All rewards earned through use of the Stash Visa Debit card (Stock-Back® Card) will be fulfilled by Stash Investments LLC. Rewards will go to your Stash personal investment account, which is not FDIC insured. 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. Stash Stock-Back® Rewards is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any of their respective affiliates. 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. Green Dot is a registered trademark of Green Dot Corporation. ©2020 Green Dot Bank. All rights reserved.
In order to earn stock in the program, the Stash Visa Debit card (Stock-Back® Card) must be used to make a qualifying purchase. What doesn’t count: Cash withdrawals, money orders, prepaid cards, and P2P payment. All rewards earned through use of the Stock-Back debit card will be fulfilled by Stash Investments LLC. Rewards that are issued to a participating customer’s personal brokerage account via the Stash Stock-Back Program. If publicly-traded stock of the merchant (or a subsidiary thereof, if applicable) is not available or otherwise capable of being fulfilled for any reason, the stock reward arising from a qualifying transaction will be in an ETF available on the Stash Platform. Stash reserves the right to amend this program and the terms and conditions thereof and/or cancel this program at any time, for any reason, upon notice to you. 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 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.
Stash Cash Monthly Sweepstakes
NO DEPOSIT, PURCHASE OR PAYMENT NECESSARY TO ENTER OR WIN A PRIZE. A DEPOSIT, PURCHASE OR PAYMENT DOES NOT IMPROVE YOUR CHANCES OF WINNING. Sweepstakes begins on 12/1/20 at 12:00:01 AM Eastern Standard Time (“EST”) and ends on 12/31/20 at 11:59:59 PM EST. Sweepstakes open to legal residents of the 50 U.S., D.C., and PR who are at least 18 years of age and a Stash Invest Account Holder (as defined in the Official Rules) at the time of entry. In order to enter the sweepstakes by turning on stock round ups, you must be a Stash Banking Account Holder at the time of entry. (1) Grand Prize valued at $1,000, (1) First Prize valued at up to $1,000 and (148) Second Prizes each valued at $20 will be awarded in Monthly Entry Period. Total value of all prizes awarded: $4,960. Odds of winning depend upon the number of entries received. Void in all U.S. territories and possessions and where prohibited by law. See Official Rules for complete details at https://lp.stashinvest.com/stash-cash-monthly-december Sponsor: Stash Cash Management, LLC, 500 Seventh Avenue, 8th Floor, New York, NY, 10018.
Sweepstakes is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A. Inc., or any of their respective affiliates, and none of the foregoing has any responsibility to fulfill any funds earned through this sweepstakes. All prizes will be deposited into the winner’s Stash Invest Account.
Stock-Back® Rewards and Bonuses
A user will receive shares of the ETF or publicly traded company that is designated as their Default Investment at the time the qualifying purchase posts to the user’s Stash Banking Account.