Auto-Stash Features Terms & Conditions

Set-Schedule Feature

Set-Schedule is a feature that may be activated by you that can initiate contributions from your Funding Account (as defined in your Advisory Agreement) to your taxable or tax-advantaged account advised by Stash Investments LLC (“your Stash Individual Account”) automatically and have those contributions repeat in the amount and according to the schedule you prescribe. You may choose to set up recurring transfers to be transferred into the cash balance of your Stash Individual Account and/or to automatically purchase investments that have been pre-selected by you.

Round-Ups Feature

Round-Ups is a feature that may be activated by you depending on how you have connected your Funding Account held at a third-party depository institution to your taxable brokerage account advised by Stash Investments LLC.

The Round-Ups feature is not a savings account offered by a bank. If enabled, this feature can automatically transfer Round-Ups, as defined and described below, from your available funds from your Funding Account into the cash balance of your relevant Stash Individual Account in accordance with the terms and conditions described herein. A “Round-Up” is the difference between the amount of goods or services purchased by you via your Funding Account and the lowest whole dollar amount that is greater than the amount of the purchase. As an example, if you make a purchase of $5.20, $0.80 will be the Round-Up arising from that transaction. Individual Round-Ups will be aggregated and transferred to your relevant Stash Individual Account (i) when the aggregate amount of your individual Round-Ups equals or exceeds $5.00 or (ii) following a 15-day period if the aggregate amount of individual Round-Ups at such time does not exceed $5.00.

Smart-Stash Feature

Smart-Stash is a feature that may be activated by you depending on how you have connected your Funding Account (as defined in your Advisory Agreement) held at a third-party depository institution to your taxable brokerage account advised by Stash Investments LLC.

The Smart-Stash feature is not a savings account offered by a bank. If enabled, this feature can automatically transfer a portion of your available funds from your Funding Account into the cash balance of your relevant Stash Individual Account. The portion that is transferred is determined by a methodology that studies the spending patterns of each individual user. See the description of the smart-save feature in your Advisory Agreement for more information about this feature.

Terms & Conditions Applicable to All Foregoing Features

By activating any one or more of the foregoing features electronically, you are accepting and agreeing to these terms and conditions. By enabling any of these features, you are initiating, authorizing, and directing the recurring electronic transfer of funds from your Funding Account via the Automated Clearing House (“ACH”) payment network in accordance with your Advisory Agreement, which is incorporated by reference in its entirety into these terms. The Round-Ups feature and the Smart-Stash feature will only automatically transfer up to one debit per Business Day with respect to each individual feature only (i.e., not inclusive of multiple features you may choose to activate or other fund transfers you may have initiated, authorized, or directed on the Stash platform). You also acknowledge that the amount and frequency of debits arising from the Round-Ups and Smart-Stash features may vary and that you waive your right to receive prior notice of the amount and date of each debit; provided that any debit arising from the Round-Ups and Smart-Stash feature shall not exceed $100 per Business Day (or such lower amount identified by you in the app). We may, in our discretion, not initiate a transfer of funds from your Funding Account for any reason, including if your Funding Account balance is below a minimum threshold.

You acknowledge that enabling a feature suffices as your written authorization for ACH transactions as provided herein and will remain in full force and effect until you pause or otherwise disable the applicable feature and thereby revoke your authorization. You may pause a feature in-app at any time. You must disable a feature at least three Business Days before the scheduled debit date of any ACH transaction from your Funding Account in order to cancel this authorization. If you do not, we may attempt, in our sole discretion, to cancel the debit transaction. However, we assume no responsibility for our failure to do so.

As noted in our privacy policy, Stash works with one or more third-party service providers to enable us, with your permission and at your direction, to access your Funding Account information. Your Funding Account must be linked via Quovo, Inc. (one of such third-party service providers) in order for us to be able to provide the Round-Ups and Smart-Stash features to you. Please contact us at (800) 205-5164 or support@stashinvest.com if you need assistance with linking your Funding Account in order to enable one or both of these features.

For purposes of these terms, “Business Day” means Monday through Friday, excluding federal banking holidays.