1. Who we are
Stackd is provided by Theo Colman, trading as Stackd, Wezelsebaan 104, 2900 Schoten, Belgium, enterprise number 0758.865.048 ("we", "us"). You can reach us at hello@stackdmoney.com. Our full details are in the legal notice.
These terms apply when you use Stackd on the web, on iPhone or on Android. You agree to them when you create your account. If you don't agree, please don't use Stackd.
2. What Stackd is
Stackd is a tool to keep track of your own money by entering it yourself: what's left to spend, your accounts, spending, budgets, bills and other recurring payments, debts, goals and net worth. Stackd doesn't connect to your bank, doesn't hold or move money and doesn't make payments for you.
3. Not financial advice
Stackd shows figures and estimates based only on what you enter, such as what's left to spend, when a goal could be reached or when a debt could be paid off. Tips in the app are general information, the same for everyone in a similar situation.
None of this is financial, investment, tax, legal or debt advice. Stackd doesn't recommend financial products, providers, investments or ways to restructure debt. Check important decisions with a qualified professional. You're responsible for what you enter and for the decisions you make. Read more in our financial disclaimer.
4. Your account
- You must be 18 or older to use Stackd.
- Use a valid email address and keep access to it safe. You're responsible for what happens in your account.
- An account is for one person. Don't share it, and don't use Stackd for someone else without their permission.
- Tell us at hello@stackdmoney.com straight away if you think someone else has access to your account.
5. Using Stackd fairly
Please don't use Stackd to break the law, to store information about other people beyond what you need (a first name or nickname is enough for a shared cost), to upload content you don't have the rights to or that is illegal, or to disrupt, overload, copy or try to get into parts of Stackd or other people's accounts.
Reporting illegal content. Stackd stores what you enter for you alone; nothing is public. If you still come across content that you believe is illegal, report it to hello@stackdmoney.com, which is also our single point of contact for authorities. We'll look at every report carefully and tell you what we decided.
If someone seriously or repeatedly breaks these rules, we may suspend or close their account. Where it's reasonable, we'll warn first and explain why.
6. Your data
Your data stays yours. You give us permission to store and use it only to provide Stackd to you, as our privacy policy explains. You can export everything or delete your account at any time, in the app under You › Your data.
7. Our app and brand
Stackd, its design, its code, the name and logo, and Bud belong to us. You may use Stackd for your own personal use. Please don't copy, resell or reverse engineer it, except where the law allows. Open-source software we use is listed in the app under You › Legal › Licences.
8. Price, trial and subscriptions
You can try everything free for 30 days, without a card. After that, Stackd needs a subscription: €5.99 a month or €44.99 a year, VAT included. Prices, who sells your subscription, renewal, how to cancel, your 14-day right of withdrawal and refunds are explained in our subscriptions and refunds policy, which is part of these terms.
9. Keeping Stackd working
Stackd will do what we describe, and we'll keep it updated, including for security, for as long as you use it. If something doesn't work as it should, tell us and we'll fix it. If we can't fix it within a reasonable time, you can ask for a fair price reduction or end your subscription with a refund for the unused period.
We may improve, change or remove features for a valid reason, such as new laws, security or keeping Stackd simple. We'll never charge extra for this. If a change makes Stackd clearly worse for you, we'll tell you in advance, and you can end your subscription for free and get a refund for the unused period.
We work to keep Stackd available and your data safe, but we can't promise it will always be free of interruptions or errors.
10. If Stackd closes
If we ever stop offering Stackd, we'll tell you at least 60 days in advance, so you have time to export your data. We'll refund the unused part of any paid subscription.
11. Liability
We build Stackd with care. As far as the law allows, we are not liable for indirect loss, lost profit or decisions you make based on figures in the app. For other loss caused by our ordinary negligence, our total liability is limited to what you paid us in the 12 months before the claim, with a minimum of €100.
Nothing in these terms limits our liability for intent or gross negligence, for death or personal injury, or your legal rights as a consumer that can't be excluded, including your rights when Stackd doesn't work as described.
12. Ending your account
You can delete your account at any time, in the app under You › Your data. This permanently deletes your data, so export it first if you'd like to keep it. Deleting your account doesn't cancel a subscription bought through the App Store or Google Play: cancel it there too (see how to cancel).
We may end these terms by closing your account with notice as described in section 10, or straight away in case of a serious breach of section 5.
13. Changes to these terms
If we change these terms in a way that matters, we'll tell you in the app or by email at least 30 days before the change takes effect, and explain why. If you don't agree, you can end your subscription before then and get a refund for the unused period. If you keep using Stackd after the change, the new terms apply.
14. Complaints and disputes
We'd like to solve any problem directly. Please start with our complaints policy: email hello@stackdmoney.com and we'll reply within 5 working days.
If we can't agree, you can contact the Belgian Consumer Mediation Service (Consumentenombudsdienst / Service de Médiation pour le Consommateur) at mediationconsommateur.be. It's free.
Belgian law applies to these terms. If you live in another country, you keep the protection of the mandatory consumer laws of that country. Disputes go to the competent courts of Antwerp, Belgium, but as a consumer you can always go to the courts where you live, and we can only bring a case against you there.
15. Language
These terms are written in English. If we offer them in another language and the versions differ, the version in your language applies where the law requires it.
16. If you live outside the EU
United Kingdom. Nothing in these terms affects your statutory rights under the Consumer Rights Act 2015.
Australia. Nothing in these terms limits your rights under the Australian Consumer Law, including the consumer guarantees.
United States and Canada. If your state or province gives you rights these terms can't take away, those rights apply.