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Stock-Back® Starter Bonus Program

Terms and Conditions

Updated as of April 1, 2020

Effective 9:00 AM (ET) March 23, 2020 (the “Effective Date”) for Stock-Back® participants who receive an invitation directly from Stash to participate in the program described herein

General Description

The Stock-Back® Starter Bonus Program (the “Program”) is a rewards program offered by Stash Financial, Inc. and/or its affiliates (collectively, “Stash”) to its customers that supplements its Stash Stock-Back® Rewards program – a rewards program offered by Stash in which a Stash debit account holder may choose to participate that enables such holder to earn fractional shares of stock of certain publicly-traded companies and/or exchange-traded funds on certain qualifying purchases made using a Stash Debit card issued by Green Dot Bank, Member FDIC. The Program enables Eligible Participants (as defined below) to earn a Stock-Back® Starter Bonus (as defined below), subject to the terms and conditions stated herein (the “Stock-Back® Starter Bonus Program Terms”). All references to the “Stash Debit card” or “debit card” hereunder refers to a virtual or permanent Stash Debit card issued by Green Dot Bank, Member FDIC.

By choosing to participate in this Program, you are accepting and agreeing to these Stock-Back® Starter Bonus Program Terms. These Stock-Back® Starter Bonus Program Terms form an agreement between you and Stash with respect to the Program. You should read these Stock-Back® Starter Bonus Program Terms carefully.

Eligibility

To be eligible to receive an invitation directly from Stash to participate in this Program, you must satisfy each of the following conditions on or after the Effective Date (each, an “Eligible Participant”): (i) open a Stash Invest account and a Stash banking account, both of which must be and remain in good standing (as further described below), and (ii) enroll as a participant in the Stash Stock-Back® Rewards program, which is governed by the Stock-Back® Rewards Terms and Conditions (the “Stock-Back® Program Terms”) and adhere to the Stock-Back® Program Terms. Further, once you receive an offer to participate in this Program, you must link a funding account (e.g. a bank account) to your Stash banking account and initiate a deposit of funds into your Stash banking account no later than May 31, 2020 in order to participate in this Program. 

 

See the full Stock-Back® Program Terms referenced above, which you agreed to when you joined that program, for important disclosures about that program. The Stock-Back® Program Terms are incorporated herein by reference with the same force and effect as though fully set forth herein. 

 

Stash and/or Green Dot Bank reserve the right to determine in our and/or their sole or joint discretion whether an account is closed and/or in good standing. An account in good standing for purposes of this Program is an account for which all required account opening documentation has been completed and verified, and is not locked, or restricted, or otherwise flagged in any way. If either your Stash banking account or your Stash Invest account is closed or not in good standing for any reason at any time, you will no longer be deemed an Eligible Participant and your Stock-Back® Starter Bonus will be forfeited. A Stash Invest account is a taxable brokerage account advised by Stash Investments LLC.

 

A Stash banking account opened hereunder is also subject to approval by Green Dot Bank, Member FDIC. You must pass Green Dot Bank’s customer identification procedures and otherwise be approved by Green Dot Bank for a Stash banking account, and you must agree to electronic delivery of disclosures, Green Dot Bank’s deposit account agreement, and any other account documentation required for opening in order to open a Stash banking account. There is no guarantee that you will be approved to open a Stash banking account. 

Qualifying Purchases

The term “Qualifying Purchases” means an Eligible Participant’s first ten (10) qualifying debit card purchases (as described in the Stock-Back® Program Terms) made using their Stash Debit card that each post to their Stash banking account following such Eligible Participant’s Activation Time (as defined below). If an Eligible Participant makes all of their Qualifying Purchases within fourteen (14) calendar days following such Eligible Participant’s Activation Time (the “Rewards Period”), then such Eligible Participant may earn their Stock-Back® Starter Bonus as further described below.

Your “Activation Time” is the exact date that you have activated your First Stash Debit Card. A “First Stash Debit Card” is the first Stash Debit card you received from Stash following the date you successfully opened your Stash banking account. For the avoidance of doubt, your First Stash Debit Card does not include any replacement Stash Debit card(s). 

We reserve the right to determine in our sole discretion whether a particular transaction constitutes a Qualifying Purchase hereunder. We also reserve the right in our sole discretion to reverse the credit of any Stock-Back® Starter Bonus in the event an Eligible Participant’s Qualifying Purchases are the subject of a return, credit, chargeback or similar rescinded transaction. Eligible Participants will not earn a Stock-Back® Starter Bonus hereunder if they do not make all of their Qualifying Purchases during their respective Rewards Period.

This Program is supplemental to the Stock-BackTM Rewards Bonus Terms and Conditions that can be found here: https://lp.stashinvest.com/stock-back-bonus-promo-terms-and-conditions/. Any qualifying debit purchases (as described in the Stock-Back® Program Terms) made by an Eligible Participant for the merchants specified in the Stock-BackTM Rewards Bonus Terms and Conditions during such Eligible Participant’s Rewards Period will qualify as Qualifying Purchases for purposes of this Program. Therefore, Eligible Participants may receive rewards under the Stock-BackTM Rewards Bonus Terms and Conditions in addition to their Stock-Back™ Starter Bonus hereunder. Further, Stash may implement multiple, varying versions of its Stock-Back® Rewards program and/or promotions related to its Stock-Back® Rewards program as of or after the Effective Date (each, an “Additional Stock-Back® Rewards Program”). Accordingly, any rewards prescribed under each Additional Stock-Back®  Rewards Program are expressly exempt for purposes of this Program. 

Stock-Back® Starter Bonus

Subject to these Stock-Back® Starter Bonus Program Terms and only once following the Effective Date, once an Eligible Participant makes all of their Qualifying Purchases during their respective Rewards Period, such Eligible Participant will earn their Stock-Back® Starter Bonus. A “Stock-Back® Starter Bonus” is ten (10) one-dollar ($1.00) fractional shares of Stock (as such term is defined in the Stock-Back® Program Terms) attributable to the first ten (10) merchants where a qualifying debit card purchase (as described in the Stock-Back® Program Terms) was authorized by an Eligible Participant and a hold was placed on their Stash Debit card for the purchase amount during their respective Rewards Period.

Each Stock-Back® Starter Bonus will be limited to a maximum cash value of $10.00, which shall be calculated by Stash in its sole discretion. Each Stock-Back® Starter Bonus hereunder will be fulfilled and credited in the manner noted in the Stock-Back® Program Terms.

Each Stock-Back® Starter Bonus is in addition to an Eligible Participant’s base reward that they receive under the Stock-Back® Program Terms for each qualifying debit card purchase (as described in the Stock-Back® Program Terms). Each Eligible Participant is only eligible to receive one (1) Stock-Back® Starter Bonus under these Stock-Back® Starter Bonus Program Terms. 

Other Program Information

Stash Investments LLC is an SEC registered investment adviser. You may view our Wrap Fee Brochure and our Advisory Agreement at https://www.stashinvest.com/disclosurelibrary. You remain responsible for ancillary fees that are not included in the monthly Wrap Fee. A list of such ancillary fees is included in our Advisory Agreement.  

Stash may implement one or more Additional Stock-Back® Rewards Programs at the same time and/or at different times. The Additional Stock-Back® Rewards Programs offered to you may be different than the Additional Stock-Back® Rewards Programs offered to another client. Supplemental terms and conditions will govern any such Additional Stock-Back® Rewards Programs. 

Investing Involves Risk. Listed investments that are currently available on Stash are not necessarily representative of all investments. A full list of available investments on Stash can be found here: https://learn.stashinvest.com/stash-investments-stocks. Information shown is strictly for illustrative and educational purposes only and should not be considered a solicitation to buy, an offer to sell, or a recommendation for any security in any jurisdiction where such an offer, solicitation or recommendation would be unlawful or unauthorized. Any preliminary information provided to prospective clients prior to Stash accepting a signed advisory agreement does not constitute investment advice and should not be relied on as such. Investment products and services are offered by Stash Investments LLC, not Green Dot Bank, and are Not FDIC Insured, Not Bank Guaranteed and May Lose Value.

Debit Account Services are provided by Green Dot Bank and Stash Visa Debit Card issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Visa is a registered trademark of Visa International Service Association. Green Dot Bank operates under the following registered trade names: GoBank, Green Dot Bank and Bonneville Bank. All of the registered trade names are used by, and refer to a single FDIC-insured bank, Green Dot Bank.  Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. Green Dot is a registered trademark of Green Dot Corporation. © 2020 Green Dot Bank. All rights reserved. 

This Program is sponsored by Stash Cash Management LLC, a wholly-owned subsidiary of Stash Financial, Inc. and an affiliate of Stash Investments LLC. The Program is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any of their respective affiliates, and none of the foregoing has any responsibility to fulfill any rewards earned by this Program. 

Stash reserves the right to amend or cancel this Program or these Stock-Back® Starter Bonus Program Terms at any time. You can only participate in this Program if you received an invitation to participate in this Program directly from Stash. Stash is not responsible for any failure on your part to meet the standards for qualifying for this Program. Stash may withhold or recover any Stock-Back® Starter Bonus if Stash determines that such rewards were obtained under wrongful or fraudulent circumstances, or was awarded to you in error, or that you received an invitation to participate in this Program in error, or that inaccurate or incomplete information was provided when opening your account, or that any terms of our Advisory Agreement, Terms of Use, or these Stock-Back® Starter Bonus Program Terms have been violated. Promotion available to U.S residents only. The value of any cash or stock rewards received by you may be taxable income to you. You are responsible for any federal or state taxes resulting from receipt of any rewards and should consult your tax advisor if you have questions about the tax treatment of any rewards.

All product and company names are trademarksTM or registered® trademarks of their respective holders.  Use of them does not imply any affiliation with or endorsement by them.