Stashly™

Legal

Terms and Conditions

Last updated: September 16, 2026

AGREEMENT TO TERMS

These Terms and Conditions (“Terms”) constitute a legally binding agreement between you and Stashly (“we,” “our,” or “us”) regarding your use of the Stashly personal finance management application and services (collectively, the “Service”). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, you may not use the Service.

PROGRAM NAME AND DESCRIPTION

Program Name: Stashly

Program Description: Stashly is a personal finance management application that helps users organize their spending into virtual budget categories called “Stashes.” The Service automatically links to your bank accounts and credit cards through Plaid, a secure third-party financial data aggregator, to track transactions and help you manage your finances. Stashly uses artificial intelligence to analyze your spending patterns and automatically categorize transactions, while allowing you to maintain virtual balances for different spending categories to better manage your budget.

Key features include:

  • Automatic bank account and credit card linking via Plaid
  • Transaction tracking and categorization
  • Virtual Stash (budget category) management
  • AI-powered spending analysis and Stash recommendations
  • Account balance monitoring and alerts
  • Multi-channel notifications (push, SMS, email, in-app)
  • Life Profile setup for personalized financial recommendations

ELIGIBILITY

You must be at least 18 years old to use the Service. By using the Service, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms.

ACCOUNT REGISTRATION

To use the Service, you must create an account by providing accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

You are responsible for ensuring that all information you provide is accurate and up to date. You may not share your account credentials with any third party or allow others to access your account.

FINANCIAL INFORMATION AND THIRD-PARTY SERVICES

The Service uses Plaid Technologies, Inc. (“Plaid”) to securely connect to your financial accounts. By using the Service, you acknowledge that:

  • Your use of Plaid’s services is subject to Plaid’s terms and conditions and privacy policy
  • We do not store your bank account login credentials
  • Plaid acts as an intermediary to securely retrieve your financial data
  • You authorize Plaid to access your financial accounts on your behalf
  • You are responsible for maintaining the security of your financial account credentials with your financial institutions

We are not responsible for the accuracy, completeness, or timeliness of financial data provided by Plaid or your financial institutions. You should verify important financial information independently.

SMS MESSAGING PROGRAM

If you opt-in to receive SMS notifications, the following terms apply:

Message Frequency: Message frequency varies based on your account activity and preferences:

  • Transaction notifications: Sent only when your action is required, typically 0-5 messages per day depending on your transaction activity
  • Account balance warnings: Maximum once per day when balance conditions are met
  • Life Profile completion prompts: Maximum one message per day for users who opt into SMS-based profile completion
  • Service and account notifications: Sent as needed for critical account updates
  • Help and support messages: Sent in response to your requests

Message and Data Rates: Standard message and data rates may apply to SMS messages sent to and received from Stashly. Message and data rates are determined by your mobile carrier and your service plan. Stashly does not charge you for SMS messages, but your carrier may apply standard messaging charges according to your plan. Contact your mobile carrier for details about your messaging and data plan.

Carrier Charges: You are solely responsible for any charges incurred from your mobile carrier for receiving SMS messages. Stashly is not responsible for any charges imposed by your carrier.

Opt-Out Instructions: You can opt-out of SMS notifications at any time by:

  • Replying STOP to any SMS message from Stashly
  • Replying HELP to any SMS message for assistance
  • Updating your notification preferences in the Stashly app settings

IMPORTANT: To stop receiving SMS messages, reply with the word STOP (all capital letters). To get help, reply with the word HELP (all capital letters).

When you opt-out by replying STOP, you will receive a confirmation message, and you will no longer receive SMS notifications from Stashly. You can re-enable SMS notifications at any time through your account settings in the app.

Support Contact: For questions about SMS notifications or to request assistance, you can:

Carrier Compatibility: SMS notifications are available on participating carriers. Message delivery is not guaranteed and may be delayed or fail due to carrier issues, network problems, or other factors beyond our control.

SERVICE AVAILABILITY AND MODIFICATIONS

We reserve the right to modify, suspend, or discontinue the Service, or any part thereof, at any time with or without notice. We are not liable to you or any third party for any modification, suspension, or discontinuation of the Service.

We do not guarantee that the Service will be available at all times or that it will be free from errors, interruptions, or defects. The Service may be unavailable due to maintenance, updates, or technical issues.

USER RESPONSIBILITIES

You agree to:

  • Use the Service only for lawful purposes and in accordance with these Terms
  • Provide accurate and truthful information
  • Maintain the security of your account credentials
  • Not share your account with others
  • Not attempt to gain unauthorized access to the Service or other users’ accounts
  • Not use the Service to violate any applicable laws or regulations
  • Not interfere with or disrupt the Service or servers connected to the Service
  • Not use automated systems to access the Service without our express written permission

INTELLECTUAL PROPERTY

The Service, including its original content, features, and functionality, is owned by Astersmith, LLC and is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of the Service without our express written permission.

DISCLAIMERS

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not warrant that:

  • The Service will meet your requirements
  • The Service will be uninterrupted, timely, secure, or error-free
  • The results obtained from using the Service will be accurate or reliable
  • Any errors in the Service will be corrected

We are not a financial advisor, and the Service does not provide financial, investment, or tax advice. The Service is a tool to help you organize and track your finances, but you are responsible for making your own financial decisions.

LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, STASHLY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF THE SERVICE.

IN NO EVENT SHALL STASHLY’S TOTAL LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRIOR TO THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Stashly and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or in any way connected with your use of the Service or violation of these Terms.

TERMINATION

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will cease immediately.

You may terminate your account at any time by contacting us or through the Service settings. Upon termination, we will delete or anonymize your personal information in accordance with our Privacy Policy, except where we are legally required to retain certain records.

GOVERNING LAW

These Terms shall be governed by and construed in accordance with the laws of Michigan, without regard to its conflict of law provisions. Any disputes arising from these Terms or the Service shall be resolved in the courts of Michigan.

CHANGES TO TERMS

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms in the Service and updating the “Last Updated” date. Your continued use of the Service after such changes constitutes your acceptance of the updated Terms.

SEVERABILITY

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

ENTIRE AGREEMENT

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Stashly regarding the Service and supersede all prior agreements and understandings.

CONTACT INFORMATION

If you have any questions about these Terms and Conditions, please contact us at:

Email: stashly@astersmith.com

We will respond to your inquiry as soon as possible.