1. Acceptance of Terms

By accessing and using Stacks ("the Service"), you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these Terms of Service, please do not use the Service.

2. Description of Service

Stacks provides financial literacy tools, calculators, and educational resources to help users make informed financial decisions. The Service includes both free and premium features.

3. User Accounts

3.1 Account Creation

To access certain features, you may be required to create an account. You agree to provide accurate, current, and complete information during the registration process.

3.2 Account Security

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.

3.3 Account Termination

We reserve the right to suspend or terminate your account at any time for violations of these Terms of Service or for any other reason at our sole discretion.

4. Premium Subscription

4.1 Subscription Terms

Premium features are available through paid subscription plans. By subscribing, you agree to pay the subscription fees as specified at the time of purchase.

4.2 Billing

Subscriptions are billed in advance on a recurring basis (monthly or annually, depending on your plan). Your subscription will automatically renew unless you cancel before the renewal date.

4.3 Cancellation and Refunds

You may cancel your subscription at any time through your account settings. Cancellations take effect at the end of the current billing period. We do not provide refunds for partial subscription periods, except as required by law.

4.4 Free Trials

We may offer free trial periods for premium features. If you do not cancel before the trial period ends, you will be charged the subscription fee.

5. User Conduct

You agree not to:

• Use the Service for any illegal purpose or in violation of any laws
• Attempt to gain unauthorized access to any portion of the Service
• Interfere with or disrupt the Service or servers
• Use automated systems (bots, scrapers) to access the Service
• Impersonate any person or entity
• Share your account credentials with others
• Use the Service to transmit viruses or malicious code

6. Intellectual Property

6.1 Ownership

All content, features, and functionality of the Service, including but not limited to text, graphics, logos, software, and tools, are owned by Stacks and are protected by copyright, trademark, and other intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Service for personal, non-commercial purposes in accordance with these Terms.

6.3 User Data

You retain ownership of any data you input into the Service. By using the Service, you grant us a license to use, store, and process your data solely for the purpose of providing the Service to you.

7. Disclaimer of Financial Advice

The Service is for educational and informational purposes only and does not constitute financial, investment, tax, or legal advice. All tools, calculators, and content are provided for general informational purposes. You should consult with licensed professionals before making financial decisions. See our Disclaimer page for full details.

8. Third-Party Services and Affiliate Links

The Service may contain links to third-party websites, products, or services. We may earn commissions from affiliate links. We are not responsible for the content, privacy policies, or practices of third-party sites. Your use of third-party services is at your own risk.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, STACKS 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 or inability to use the Service
• Any unauthorized access to or use of your data
• Any interruption or cessation of the Service
• Any bugs, viruses, or malicious code transmitted through the Service
• Any errors or omissions in any content
• Financial decisions made based on information from the Service

10. Indemnification

You agree to indemnify and hold harmless Stacks, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the Service or violation of these Terms.

11. Data Privacy

Your use of the Service is also governed by our Privacy Policy. By using the Service, you consent to the collection and use of your information as described in our Privacy Policy.

12. Modifications to Service and Terms

12.1 Service Changes

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time without notice.

12.2 Terms Changes

We may update these Terms of Service from time to time. We will notify you of material changes by posting the new Terms on this page and updating the "Last Updated" date. Your continued use of the Service after changes constitutes acceptance of the new Terms.

13. Dispute Resolution

13.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of Colorado, without regard to conflict of law principles.

13.2 Arbitration

Any dispute arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, rather than in court, except that you may assert claims in small claims court if your claims qualify.

14. Severability

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

15. Contact Information

If you have any questions about these Terms of Service, please contact us at:

Email: legal@stacks.example.com
Address: [Your Business Address]