STACKD

PRIVACY POLICY

Effective Date: 12/21/2025

This Privacy Policy describes how Stackd Systems LLC (“Stackd,” “we,” “us,” or “our”) collects, uses, shares, and protects your information when you use the Stackd mobile application and related services (collectively, the “App”).

By creating an account, connecting a bank account, initiating transfers, or using the App, you agree to this Privacy Policy.

If you do not agree, do not use the App.

1. Information We Collect

We collect information directly from you, automatically through the App, and from our financial-service partners.

1.1 Information You Provide

This includes:

  • Full name

  • Email address

  • Phone number

  • Date of birth

  • Residential address

  • Last 4 digits of your Social Security number

  • Login credentials

  • Savings goals, actions logged, and progress data

  • User-generated content such as articles or posts

If required for verification, Dwolla may request additional documentation such as government ID.

1.2 Financial Account Information (via Plaid)

When you link a bank account, you do so through Plaid. Plaid may collect:

  • Bank account type

  • Account numbers (securely tokenized)

  • Routing numbers

  • Account balances

  • Transaction history

  • Account ownership and related metadata

Stackd does not receive or store your bank login credentials.

Details about Plaid’s data practices:
https://plaid.com/legal

1.3 Identity Verification Information (via Dwolla)

Dwolla collects and verifies information required by U.S. law, including:

  • Name

  • Address

  • Date of birth

  • SSN (last 4 digits)

  • Bank account information (via Plaid)

Dwolla may require additional documentation if needed to satisfy regulatory requirements.

Dwolla’s privacy policy:
https://www.dwolla.com/legal/privacy/

1.4 Automatically Collected Information

We automatically collect:

  • Device identifiers

  • IP address

  • Operating system

  • App version

  • Usage logs

  • Interaction data

  • Crash reports

  • Notification engagement

  • Behavioral data (actions, streaks, badges, savings activity)


1.5 Cookies and Tracking Technologies

We use cookies, SDKs, and similar technologies to:

  • Maintain login sessions

  • Track progress

  • Improve user experience

  • Provide analytics and performance metrics

  • Personalize content

2. How We Use Your Information

We use your information to:

  • Operate and maintain the App

  • Authenticate your identity

  • Provide bank linking through Plaid

  • Enable ACH transfers through Dwolla

  • Process savings transactions

  • Display progress, streaks, and behavioral metrics

  • Personalize user experience

  • Improve app performance and security

  • Detect fraud or unauthorized activity

  • Comply with legal obligations

  • Communicate with you about your account and transfers

  • Provide customer support

  • Enforce our Terms of Service

We may use aggregated or de-identified data for analytics.

3. How We Share Your Information

We share information only as described below.

3.1 With Financial Service Providers

We share necessary information with:

Plaid – for bank connectivity and account data.
Dwolla – for identity verification and transfer processing.

These entities use your data according to their own policies.

3.2 With Service Providers

We share information with vendors that support:

  • Hosting and infrastructure

  • Data storage

  • Notifications

  • Analytics

  • Fraud detection

  • Customer support

All service providers must safeguard your information.

3.3 For Legal and Compliance Purposes

We may disclose information:

  • As required by law, regulation, or legal request

  • To enforce our Terms of Service

  • To investigate fraud or security issues

  • To comply with ACH, banking, or Dwolla requirements

  • To protect the rights, property, or safety of Stackd or users

3.4 With Your Consent

We may share information when you authorize it.

4. How We Protect Your Information

We implement administrative, technical, and physical protections, including:

  • Encryption in transit and at rest

  • Tokenized financial-account handling (via Plaid)

  • Access controls

  • Secure servers and infrastructure

  • Monitoring for suspicious activity

No system is completely secure, and we cannot guarantee absolute protection.

5. Data Retention

We retain information as long as necessary to:

  • Provide the App

  • Maintain your account

  • Satisfy legal, regulatory, and audit requirements

Identity verification and ACH transfer data may be retained for mandatory periods under U.S. financial regulations.

Certain information may remain after account deactivation as required by law.

6. Your Choices and Rights

You may request to:

  • Access your information

  • Correct inaccurate information

  • Delete certain data (subject to regulatory restrictions)

  • Opt out of certain tracking or messaging features

To exercise rights, contact us at:
[Insert Support Email]

Deleting certain information may require deleting your account.

7. Your Responsibilities

You are responsible for:

  • Keeping your account information accurate

  • Securing your login credentials

  • Ensuring lawful use of connected bank accounts

  • Monitoring your account notifications and transfer confirmations

8. Children’s Privacy

The App is intended for users 18 and older.

We do not knowingly collect information from anyone under 18. If we become aware that a minor’s data was collected, we will delete it.

9. Third-Party Links

The App may contain links to third-party services. We are not responsible for those services or their privacy practices.

10. International Use

The App is intended for use in the United States. If you access the App from another country, you do so at your own risk and are responsible for compliance with local laws.

11. Changes to This Policy

We may update this Privacy Policy periodically. If changes are material, we will provide notice in the App or by email. The effective date at the top reflects the latest update. Continued use constitutes acceptance.

12. Contact Us

For questions or concerns regarding this Privacy Policy:

Stackd Systems LLC
Email: support@stackdsystems.com
Address: 354 East 91st, New York, NY