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Stash Community
Terms and Conditions

Effective as of February 14th, 2020

Table of Contents

Introduction To Stash Community

Welcome to Stash Community! Stash Community is a community platform developed and offered by Stash. Stash Community offers existing Stash customers the opportunity to join community groups and share their experiences on Stash with their family, friends, and other existing Stash users, including sharing their investment activity, use of Stash Learn content, and other Stash features.

These Terms and Conditions govern your use of Stash Community, and provide you with information about Stash Community. When you join a Stash Community Group, or by using Stash Community, you agree to be bound by these Terms and Conditions. These Terms and Conditions constitute a legally binding agreement between you and Stash. Please read these Terms and Conditions carefully.

Definitions

“Feedback” means any and all suggestions, ideas, feedback or other recommendations provided by you relating to Stash Community, including any new features, functionality, or performance of Stash Community, including any such suggestions, ideas, feedback or other recommendations provided through Stash Community.

“Investment Information” means your first name and activity associated with your Stash Invest Account, either on an individual and identifiable or aggregated basis, including, but not limited to, your activity on Stash Community, your investment preferences and investment style, all of your investment transactions (including any transactions made through the Auto-Stash feature), the current total portfolio value of your Stash Invest Account, and the Stash Learn articles you’ve consumed.

“Stash” means Stash Investments, LLC and its affiliates.

“Stash Community” means the Stash Community platform and all content associated therewith.

“Stash Community Group” means the specific Stash Community group attributable to your invitation link.

“Stash Invest Account” means an individual brokerage account advised by Stash Investments LLC.

“Terms and Conditions” means these Stash Community Terms and Conditions.

Who Can Use Stash Community

In order to be eligible to join a Stash Community Group and use Stash Community in any capacity:

  • You must have successfully completed the process of opening a Stash Invest Account;
  • Your Stash Invest Account must be and remain in good standing (as defined below);
  • You must have received an invitation to join a specific Stash Community Group directly from Stash or from a referring friend in accordance with these Terms and Conditions; and
  • You must at all times adhere to the requirements set forth in these Terms and Conditions, the Stash Financial, Inc. Privacy Policy, Terms of Use, and any applicable customer agreements.

If for any reason and at anytime you don’t meet any of the eligibility requirements set forth herein, you will not be able to join a Stash Community Group, use Stash Community, or send invitations to others to join Stash Community. We may determine in our sole discretion whether any person meets the eligibility requirements set forth above. We are not responsible for any failure on your part to meet the eligibility requirements for Stash Community.

We reserve the right to determine in its sole discretion whether a Stash Invest Account is closed and/or in good standing. An account in good standing for purposes of these Terms and Conditions is an account for which all required opening documentation has been completed and verified, and is not locked, or restricted, or otherwise flagged in any way.

Creating Your Stash Community Account

How to Join A Stash Community Group

In order to join a Stash Community Group, you must:

  • Step 1: Have received an invitation to join a specific Stash Community Group directly from Stash or from a referring friend in accordance with these Terms and Conditions;
  • Step 2: Visit the invitation link to such Stash Community Group and enter a valid email address and password;
  • Step 3: Meet the eligibility requirements set forth in these Terms and Conditions; and
  • Step 4: Acknowledge that you have read and agree to these Terms and Conditions on the Stash Community homepage.

Once you complete the steps above, you will be prompted to join your specific Stash Community Group. The amount and type of Stash Community Groups available will be determined by us in our sole discretion, and may vary based on any number of specific criteria, including, but not limited to, a user’s common goals, geographic location, occupation, or when a specific user joined Stash. You may not create your own Stash Community Group.  By creating one or more Stash Community Groups based on specific criteria, we are not suggesting any endorsement, relationship, or affiliation with any third parties that may be associated in any way with such Stash Community Group. Further, by joining a Stash Community Group, you are acknowledging and agreeing to receive notifications or other messages from Stash regarding activity in your Stash Community Group.

Moving Between Stash Community Groups

You may move from one Stash Community Group to another Stash Community Group only if you (i) receive an invitation to join another specific Stash Community Group in accordance with these Terms and Conditions, and (ii) satisfy the steps outlined above for the new Stash Community Group.

Joining More Than One Stash Community Group

You may join more than one Stash Community Group. In order to join more than one Stash Community Group, you must (i) receive an invitation to join each specific Stash Community Group in accordance with these Terms and Conditions, and (ii) satisfy the steps outlined above for each specific Stash Community Group.

Keeping Your Stash Community Credentials Confidential

Once you join a Stash Community Group, you are solely responsible for maintaining the confidentiality of your Stash Community email username and password. You agree (a) not to allow a third party to use your account, email username, or password at any time, except as expressly permitted by these Terms and Conditions; and (b) to notify us promptly of any actual or reasonably suspected unauthorized use of your email username or password, or any other suspected breach of these Terms and Conditions which you become aware. We reserve the right to terminate or restrict any email username that it reasonably determines may have been used by an unauthorized third party or an individual or entity other than you.

Invitations To Join Stash Community

In order to join a Stash Community Group, eligible Stash users must either (i) receive an invitation to join a specific Stash Community Group directly from Stash, or (ii) receive an invitation to join a specific Stash Community Group from a referring friend that is already a member of that specific Stash Community Group. You must use your referring friend’s invitation link to join that specific Stash Community Group. We reserve the right to determine in our sole discretion whether to send existing Stash users an invitation to join a specific Stash Community Group. Each recipient of an invitation hereunder will be subject to the eligibility requirements set forth in these Terms and Conditions.

If you join a Stash Community Group in accordance with these Terms and Conditions, you are only eligible to send invitations to your friends to join your specific Stash Community Group. You may only send invitations strictly in accordance with these Terms and Conditions. You agree to only send invitations to people you know personally by utilizing the invitation feature in Stash Community. Unless explicitly approved and authorized in writing by Stash, you may not make any statements to the friends you invite to join Stash Community about Stash’s investment advisory products or services, or about your experiences as a Stash customer. You also agree not to make any statements that are untruthful, factually inaccurate, or misleading. You hereby acknowledge that any modification or efforts to bypass, manipulate, obscure or otherwise modify the delivery and accurate presentation of the invitation feature, sharing tools, content, disclosures or other materials and instructions provided by Stash in connection with an invitation to join a Stash Community Group will be considered a violation of these Terms and Conditions and may render you ineligible to participate further in Stash Community.

You acknowledge and agree that you will receive no compensation from Stash to join a Stash Community Group, and you further represent and warrant that you will not participate in Stash Community with any expectation of any current or future economic benefit resulting from such participation. Further, you may not receive or provide any compensation from or to any third party to send invitations or to join any Stash Community Group. You further agree not to publish or distribute your invitation link in locations where the audience is likely to include individuals you do not know or who may not be interested in Stash, such as third-party websites or platforms, including social media platforms.

Sharing Information On Stash Community

We are committed to protecting your privacy and security. By joining a Stash Community Group, you hereby agree to share your Investment Information with all other members of your specific Stash Community Group. Further, you hereby acknowledge and agree that all information provided hereunder, including your Investment Information, may be deemed “Personal Information” under our Privacy Policy and will be governed by and used in accordance with our Privacy Policy and Terms of Use, which can be found at https://www.stashinvest.com/disclosurelibrary.

Stash Community Guidelines

You hereby acknowledge and agree that any use by you of Stash Community, including (i) registering to join a Stash Community Group, (ii) using Stash Community, or (iii) sending invitations to your friends to join a Stash Community Group, will be governed by our Terms of Use, which can be found here: https://www.stashinvest.com/termsofuse. Stash Community shall be considered part of the “Platform”, as such term is defined under and governed by our Terms of Use. Any breach of our Terms of Use shall be considered a breach of these Terms and Conditions.

By using Stash Community, you further agree not to provide any investment advice to any other users of Stash Community, or offer or solicit any investment advice to or from any other users of Stash Community. Further, you may not use any content or other information contained in Stash Community in violation of these Terms and Conditions, or for any unlawful, misleading, fraudulent, illegal, or unauthorized purpose. You represent and warrant that by using Stash Community you will not solicit any advisory services or the purchase or sale of any securities on behalf of Stash, any such user of Stash or any third party.

Removal, Termination Or Disabling Of Your Stash Community Account

We reserve the right to remove you from any Stash Community Group, or render you ineligible to join any Stash Community Group or participate further in Stash Community, if we determine in our sole discretion that:

  • You are not in strict compliance with the Stash Community Guidelines described herein;
  • You failed to send invitations strictly in accordance with these Terms and Conditions;
  • You failed to keep your Stash Community login credentials confidential;
  • You received an invitation to join a Stash Community Group in error or in violation of these Terms and Conditions;
  • You provided incomplete, fraudulent or inaccurate information when registering to join a Stash Community Group, or you joined a Stash Community Group in error or in violation of these Terms and Conditions;
  • Your Stash Invest Account is no longer in good standing at any time, or you no longer meet the eligibility requirements set forth herein;
  • You have violated our Advisory Agreement, Terms of Use, or these Terms and Conditions;
  • You use any content or other information contained in Stash Community in violation of these Terms and Conditions, or for any unlawful, misleading, fraudulent, illegal, or unauthorized purpose;
  • You provide any investment advice to any other users of Stash Community, or offer or solicit any investment advice to or from any other users of Stash Community; or
  • You receive compensation in any form from a third party, or you provide compensation in any form to a third party, to join a Stash Community Group or send invitations to join a Stash Community Group.

If your account is terminated or deleted, your information (including your Investment Information) will remain governed by and used in accordance with Stash’s Privacy Policy. Further, if you do not want to agree to these or any revised Terms and Conditions (as described below), or you no longer wish to be a member of a Stash Community Group, you may leave your Stash Community Group at anytime through the “Leave Crew” interactive instructions featured on Stash Community. Once you leave your Stash Community Group, your Investment Information will immediately be removed from that specific Stash Community Group, as described above.

If you believe your Stash Community account has been terminated in error, or you want to disable or permanently delete your Stash Community account, please contact us in accordance with the “Contact Us” section below.

Legal

Stash Community is for informational purposes only, and you should not construe any such information or other materials as legal, tax, investment, financial, or other advice. All content on Stash Community is information of a general nature and does not address the circumstances of any particular individual or entity. Nothing in Stash Community constitutes investment advice, nor does any information in Stash Community constitute a comprehensive and complete statement of the matters discussed or the law relating thereto. All investments are subject to risk and may lose value. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information on Stash Community before making any decisions based on such information. In exchange for using Stash Community, you agree not to hold Stash, or any third party service provider liable for any possible claim for damages arising from any decision you make based on information made available to you through Stash Community. Using Stash Community is not an endorsement by you, and you should not construe participation by any other user in Stash Community to be an endorsement by any such user, of Stash’s investment advisory products or services, or of your or such user’s experiences as a Stash customer.

NEITHER THE INFORMATION NOR ANY OPINION EXPRESSED IN STASH COMMUNITY CONSTITUTES AN OFFER OR SOLICITATION OF SECURITIES OR INVESTMENT SERVICES OR AN ENDORSEMENT THEREOF IN ANY JURISDICTION OR IN ANY CIRCUMSTANCE IN WHICH SUCH OFFER, ENDORSEMENT OR SOLICITATION IS UNLAWFUL OR NOT AUTHORIZED. SUCH INFORMATION AND OPINIONS ARE NOT MEANT TO BE RELIED UPON FOR INVESTMENT, ACCOUNTING, LEGAL, TAX OR OTHER PURPOSES.

Stash shall own all right, title, and interest in and to any Feedback, and you agree to and hereby assign such Feedback to Stash without compensation or consideration of any type. Stash may use all Feedback for any lawful purpose, including, without limitation, the development or improvement of features or functionality related to Stash Community or in connection with Stash’s other products and services.

Your Advisory Agreement with us governs your investment advisory relationship with Stash Investments LLC and these Terms and Conditions do not in any way amend, supersede, change or replace your Advisory Agreement. You may view our Wrap Fee Brochure, Privacy Policy, Terms of Use and Advisory Agreement at https://www.stashinvest.com/disclosurelibrary.

Stash Community is not sponsored or endorsed by Green Dot Bank, Green Dot Bank Corporation, Visa U.S.A, or any of their respective affiliates, and none of the foregoing has any responsibility to you with respect to Stash Community.

Changes To These Terms and Conditions

We may from time to time change or update Stash Community, any Stash Community Group, or create new Stash Community Groups, and may need to make changes to these Terms and Conditions so that they accurately reflect Stash Community and its policies. Any such changes will be indicated by changing the date at the top of this page. We will notify you by email (sent to the verified email address specified in your login credentials), by means of a notice on the Stash Community platform, or as otherwise required by law, before we make any material changes to these Terms and Conditions and give you an opportunity to review them before they go into effect. Then, if you continue to use Stash Community after we make any such changes to these Terms and Conditions, you will be bound by the revised Terms and Conditions.

Contact Us

If you have any questions or concerns regarding Stash Community or these Terms and Conditions, or if you have a complaint, please contact us by visiting ask.stashinvest.com, or emailing us at support@stashinvest.com, or calling us at (800) 205- 5164.