Terms of Service

1. Acceptance of these Terms

By creating an account or using STACKr (the "Service"), you agree to these Terms of Service and to our Privacy Policy. If you do not agree, do not use the Service. "Stackr," "we," "us," and "our" refer to Stackr Inc.; "you" refers to the account holder.

2. What STACKr is — and is not

STACKr is a software service that helps you organize the debts you already owe and automate payments toward them on a schedule you choose. STACKr connects to your financial accounts (with your permission), builds a personalized payoff plan, and initiates payments to your creditors through our payment partner.

STACKr is not a bank, lender, money transmitter, credit counselor, credit-repair organization, debt settlement company, or financial, legal, or tax advisor. We do not lend money, hold deposits, or settle or negotiate your debts. We provide software that automates payments you direct.

3. Eligibility

To use STACKr you must be at least 18 years old, a resident of the United States, and able to form a binding contract. You must provide accurate information and keep it current. We may decline, suspend, or close accounts at our discretion, including where identity verification cannot be completed.

4. Your account and identity verification

You are responsible for maintaining the confidentiality of your login credentials and for activity under your account. To enable payments, you may be required to complete identity verification (including providing your name, date of birth, address, and contact details) through our verification and payments partner. You authorize us and our partners to verify your identity as required by law and by our partners' programs.

5. The Service

With your consent, STACKr connects to your financial accounts to retrieve balances, interest rates, due dates, and similar information about your debts and your funding account. Based on this, STACKr generates a payoff plan and a projected debt-free date (your "Freedom Date") and can initiate automated weekly payments to your creditors.

Plans, projections, and Freedom Dates are estimates based on the information available to us and on assumptions that may not hold. They are not promises of any specific outcome, savings, or payoff date. You remain responsible for your debts and for any minimum payments your creditors require.

6. Payments and money movement

STACKr does not take custody of, hold, or pool your funds. When you authorize automated payments, money moves from your designated funding account to your creditors through our third-party payment infrastructure. We orchestrate the timing and amount of payments you authorize; we do not hold the money in between.

• You authorize STACKr and its payment partner to initiate the payments you schedule, in the amounts and on the cadence reflected in your plan.
• You are responsible for maintaining sufficient funds in your funding account. Failed payments, returned-item fees, overdraft fees, or late fees charged by your bank or creditors are your responsibility.
• You may pause or stop automation at any time through the app. Changes apply to payments not yet initiated; payments already submitted may not be reversible.
• We are not responsible for delays, errors, or failures caused by your bank, your creditor, a payment network, or a third-party provider.

7. Subscriptions, trials, and billing

STACKr is offered through subscription plans. Plan features and prices are shown at sign-up and may change with notice. Subscriptions are billed through our payment processor; we do not store your full card details.

• If a free trial is offered, you may cancel before it ends to avoid being charged. If you do not cancel, your subscription renews automatically at the then-current price until you cancel.
• You can cancel at any time from your account settings; cancellation stops future billing and takes effect at the end of the current billing period. Except where required by law, payments are non-refundable.
• Any one-time or lifetime offer (such as a founding-member plan) is subject to the specific terms presented at purchase, including any limits on availability.

8. Third-party services

STACKr relies on third-party providers for account connectivity, payments, and billing. Your use of those connections is also subject to the applicable provider's terms and privacy practices. We are not responsible for third-party services, and their availability is outside our control. Our Privacy Policy describes the main providers we use and the data involved.

9. Your responsibilities and acceptable use

You agree to use STACKr only for lawful purposes and only for accounts you own or are authorized to manage. You agree not to misuse the Service, attempt to access it without authorization, interfere with its operation, or provide false information. You are responsible for reviewing your plan and payment activity.

10. No financial, legal, or tax advice; no guarantees

STACKr provides software and informational tools, not professional advice. Nothing in the Service is financial, investment, legal, accounting, or tax advice, and the AI features provide general information and encouragement only. You should consult a qualified professional for advice about your situation. We do not guarantee any particular financial result, savings, credit-score change, or payoff timeline.

11. Intellectual property

The Service, including its software, design, content, and trademarks, is owned by Stackr Inc. or its licensors and is protected by law. We grant you a limited, non-exclusive, non-transferable license to use the Service for your personal use. You may not copy, modify, reverse-engineer, or resell any part of the Service.

12. Disclaimers of warranties

The Service is provided "as is" and "as available," without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or secure, or that data retrieved from third parties will be accurate or complete.

13. Limitation of liability

To the maximum extent permitted by law, Stackr Inc. and its officers, employees, and partners will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost data, or amounts charged by your bank or creditors. To the extent permitted by law, our total liability for any claim relating to the Service is limited to the amount you paid us for the Service in the twelve months before the claim.

14. Indemnification

You agree to indemnify and hold harmless Stackr Inc. and its partners from claims, losses, and expenses arising out of your use of the Service, your violation of these Terms, or your violation of any law or third-party right.

15. Dispute resolution and arbitration

Most concerns can be resolved by contacting us first. Any dispute that cannot be resolved informally may be subject to binding individual arbitration and a waiver of class actions, to the extent permitted by law. The specific arbitration provider, rules, venue, and any opt-out right will be set out here and must be confirmed before launch.

16. Governing law

These Terms are governed by the laws of the State of Nevada and applicable U.S. federal law, without regard to conflict-of-law rules, except where your local consumer-protection law provides rights that cannot be waived. (Governing-law and venue selection to be confirmed by counsel.)

17. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will provide notice (for example, by posting the updated Terms with a new "Last updated" date or by notifying you in the app). Your continued use of the Service after changes take effect means you accept the updated Terms.

18. Termination

You may stop using STACKr and close your account at any time. We may suspend or terminate your access if you violate these Terms, if required by law or by a partner, or to protect the Service or other users. Provisions that by their nature should survive termination (such as disclaimers, liability limits, and dispute terms) will survive.

19. Contact

Questions about these Terms? Contact Stackr Inc. at hello@trystackr.com or 1913 Ranch Road 620 S, Suite 102, Lakeway, TX 78734.