Effective date: September 12, 2026

Terms of Service

1. Acceptance of Terms

By downloading, installing, accessing, or using Stash (the "App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App.

These Terms constitute a legally binding agreement between you ("User," "you," or "your") and the developer of Stash ("Developer," "we," "us," or "our"). Your continued use of the App after any modification to these Terms constitutes your acceptance of the revised Terms.

If you are using the App on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

2. Description of Service

Stash is a personal finance tracking application that allows you to log, categorize, and analyze your personal financial transactions. The App may include features such as manual transaction entry, AI-assisted receipt scanning, and AI-assisted voice logging.

We reserve the right to modify, suspend, or discontinue any part of the App 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 App or any feature thereof.

3. Eligibility

You must be at least 13 years of age to use Stash. By using the App, you represent and warrant that you meet this age requirement. If you are between 13 and 18 years of age, you represent that your parent or legal guardian has reviewed and agreed to these Terms on your behalf.

The App is intended for personal, non-commercial use only.

4. Your Account

You are solely responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately at shalabyadam012@gmail.com if you suspect any unauthorized access to your account.

We are not liable for any loss or damage arising from your failure to maintain the security of your account credentials.

You agree to provide accurate and complete information when creating your account and to keep that information current.

5. Subscription & Billing

Stash offers a free tier and a paid "Stash Pro" subscription. Subscriptions are available on iOS (Apple App Store) and Android (Google Play Store).

iOS: Subscriptions are processed by Apple. You may manage or cancel your subscription through your Apple ID account settings. Refunds are subject to Apple's refund policy.
Android: Subscriptions are processed by Google. You may manage or cancel your subscription through your Google Play account settings. Refunds are subject to Google Play's refund policy.

Cancellation takes effect at the end of the current billing period. We do not process payment information directly — all billing is handled by Apple or Google. Subscription prices are displayed at the time of purchase and may change with notice.

Refunds: Refunds are handled by Apple or Google under their respective policies and applicable law. We do not process card payments directly and cannot issue refunds ourselves. If you believe you are entitled to a refund, please contact Apple Support or Google Play Support.

6. Your Data

Your financial data belongs to you. We do not sell, rent, or share your personal financial data with third parties for marketing purposes. Please review our Privacy Policy for a complete description of how we collect, use, store, and share your data.

You are solely responsible for the accuracy of the data you enter into the App. We are not responsible for any financial decisions you make based on data in the App.

You can export your data or delete your account at any time from Settings → Danger Zone. Upon account deletion, we will remove your personal data from our systems in accordance with our Privacy Policy.

7. AI Features — Important Disclosures

Stash includes AI-powered features (voice logging and receipt scanning) that use third-party AI services. By using these features, you acknowledge and agree to the following:

Third-party processing: Voice recordings and receipt images are transmitted to third-party AI service providers for processing. Your use of these features is subject to those providers' terms of service and privacy policies.
Data retention: Third-party AI providers may retain your data subject to their own retention policies. We make reasonable efforts to request deletion of your data from these services after processing, but cannot guarantee deletion in all cases.
Financial content: These features may process content containing financial information. You accept this risk when using these features.
Accuracy: AI-generated results are provided for convenience only and may not be accurate. You are solely responsible for reviewing all AI-generated entries before saving them. We are not liable for any errors, omissions, or inaccuracies in AI-generated content.
Not financial advice: AI-extracted data is not financial advice. See Section 11 (Disclaimer) below.

9. Prohibited Uses

You agree not to use the App to:

Violate any applicable law, regulation, or third-party rights
Attempt to reverse-engineer, decompile, disassemble, or tamper with the App or its underlying systems
Probe, scan, or test the vulnerability of any system or network associated with the App
Transmit malicious code, viruses, or any harmful data
Attempt to gain unauthorized access to any part of the App, its servers, or related systems
Use the App to process or store data on behalf of third parties without their consent
Abuse AI features in a manner that violates the terms of our AI service providers
Use the App for any commercial purpose without our prior written consent
Impersonate any person or entity or misrepresent your affiliation with any person or entity

We reserve the right to suspend or terminate your account immediately and without notice if we determine, in our sole discretion, that you have violated these Terms.

10. Intellectual Property

The App, including its design, code, content, and branding, is owned by the Developer and is protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to use the App for your personal, non-commercial purposes in accordance with these Terms.

You retain ownership of the financial data you enter into the App. By using the App, you grant us a limited license to process your data solely for the purpose of providing the App's services to you.

11. Disclaimer of Warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, AND UNINTERRUPTED OR ERROR-FREE OPERATION.

We do not warrant that: (a) the App will meet your requirements; (b) the App will be available at any particular time or location; (c) any errors or defects will be corrected; (d) the App is free of viruses or other harmful components; or (e) the results of using the App will be accurate or reliable.

Stash is a personal finance tracking tool, not a licensed financial advisor, accountant, or tax professional. Nothing in the App constitutes financial, investment, tax, legal, or professional advice of any kind. You should consult a qualified professional before making any financial decisions. We are not responsible for any financial decisions you make based on data in the App.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE DEVELOPER, ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, OR ANY OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE APP, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Our total cumulative liability to you for any and all claims arising out of or relating to these Terms or your use of the App shall not exceed the greater of: (a) the total amount you paid us in the twelve (12) months immediately preceding the event giving rise to the claim, or (b) USD $10.00.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

13. Indemnification

You agree to defend, indemnify, and hold harmless the Developer and its affiliates, officers, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the App; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; (d) your violation of any third-party rights; or (e) any data you submit to the App.

14. Force Majeure

We are not liable for any failure or delay in performance resulting from causes beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation, fuel, energy, labor, or materials, or failures of third-party service providers (including cloud infrastructure, AI services, or payment processors).

15. Dispute Resolution & Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

You and the Developer agree that any dispute, claim, or controversy arising out of or relating to these Terms or the App (a "Dispute") shall be resolved through binding individual arbitration, rather than in court, except that either party may bring an individual claim in small claims court if it qualifies.

Class Action Waiver: YOU AND THE DEVELOPER AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. If this class action waiver is found unenforceable for a particular claim, then that claim shall be severed from arbitration and may be brought in court, but all other claims shall remain subject to arbitration.

Before initiating arbitration, you agree to first contact us at shalabyadam012@gmail.com and attempt to resolve the Dispute informally for at least 30 days.

This arbitration agreement does not apply to disputes that cannot be subject to mandatory arbitration under applicable law.

16. Governing Law & Jurisdiction

These Terms are governed by and construed in accordance with the laws of the jurisdiction in which the Developer is located, without regard to its conflict of law provisions. To the extent that any dispute is not subject to arbitration under Section 15, you consent to the exclusive jurisdiction of the courts located in the Developer's jurisdiction for the resolution of such disputes.

If you are a consumer located in a jurisdiction with mandatory consumer protection laws that provide greater rights than those set out in these Terms, those laws will apply to the extent required.

17. Accessibility Commitment

We are committed to making Stash accessible to all users, including those with disabilities. The app supports screen readers (iOS VoiceOver and Android TalkBack), right-to-left layouts for Arabic-speaking users, and voice input as an alternative to manual text entry.

If you experience any accessibility issue, please contact us at shalabyadam012@gmail.com and we will work to resolve it.

18. General Provisions

Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and the Developer regarding the App and supersede all prior agreements and understandings.

Severability: If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect.

Waiver: Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

Assignment: You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations without restriction.

No Third-Party Beneficiaries: These Terms do not create any third-party beneficiary rights.

19. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes through the App or by email at least 14 days before the changes take effect, where reasonably practicable. Your continued use of the App after the effective date of any changes constitutes your acceptance of the revised Terms. The effective date at the top of this page reflects the most recent version.

20. Contact

Questions about these Terms? Contact us at shalabyadam012@gmail.com or through Settings → Help & Support in the App.