Terms of Service

Welcome to Stockpile. These Terms of Service ("Terms") govern your use of the Stockpile mobile app, website, and related services (the "Service"). By using the Service, you agree to these Terms. If you do not agree, do not use Stockpile.

1. Acceptance of terms

By creating an account or otherwise using the Service, you confirm that you have read, understood, and agree to these Terms and our Privacy Policy. You also agree to the terms of the third-party services described in Section 7.

2. Eligibility

You must be at least 18 years old, or the age of majority where you live if that is higher, and able to enter into a binding contract. By using Stockpile, you confirm that you meet these requirements and are not barred from using the Service under applicable law.

3. Geographic availability and restricted jurisdictions

Stockpile and its third-party services, including Jupiter for token swaps and the issuers of the tokens shown in the app, are only available where they can operate legally. By using Stockpile, you confirm that:

• you are located in a jurisdiction where using self-custodial wallets and swapping digital assets is permitted;
• you are not subject to sanctions and are not listed on any sanctions list, such as OFAC's SDN List;
• you meet the eligibility rules of each token issuer whose products you buy; and
• you will follow all laws that apply to your digital asset transactions.

Restricted jurisdictions. The Service is not available to persons or entities located in, incorporated in, or resident in any country or region under comprehensive sanctions by the U.S. Department of the Treasury's Office of Foreign Assets Control (OFAC), the United Kingdom, the European Union, or the United Nations. These currently include:

• Cuba
• Iran
• North Korea (Democratic People's Republic of Korea)
• Syria
• the Crimea, Donetsk, and Luhansk regions of Ukraine

Issuer restrictions. Each token issuer sets its own eligibility rules, which may be stricter than ours:

• xStocks are issued by Backed Assets and are not offered to U.S. persons or to residents of certain other jurisdictions. See xstocks.fi.
• PreStocks are not available to U.S. persons. See prestocks.com.

Stockpile is distributed only through app stores in regions where we and our providers can operate. You must not use a VPN, proxy, or any other method to get around these restrictions. We may restrict or end access in any jurisdiction, block specific tokens, or turn off trading features at any time to comply with the law or protect users.

4. Description of the Service

Stockpile provides software that lets you:

• browse news stories and curated "bags", which are editorial baskets of tokenized stocks and pre-IPO tokens with suggested weights;
• view what each bag holds, along with prices, charts, and sources;
• buy or sell a bag's tokens through swaps routed by Jupiter, signed by your own embedded wallet;
• see your portfolio, activity, and per-bag performance; and
• save bags for later.

Stockpile does not issue, hold, custody, or sell any token, and it is not the counterparty to your trades. Swaps run on the Solana blockchain against third-party liquidity.

5. Not investment advice

Bags, weights, stories, summaries, charts, and disclosure data are provided for information only. They are not investment, financial, legal, or tax advice, and they are not a recommendation or solicitation to buy or sell anything. Bags are not funds, indexes, or managed portfolios, and they are not rebalanced for you. Past performance does not indicate future results. We owe you no fiduciary duty. Consider getting independent advice before making any investment decision.

6. Tokenized assets and issuers

• What you hold. xStocks are tokenized certificates issued by Backed that track listed equities. PreStocks are SPV-based tokens that reference private-company valuations. Holding these tokens does not make you a shareholder. You get no voting, dividend, or information rights in the underlying company unless the issuer's terms expressly say so.
• Issuer terms govern. Each token is subject to its issuer's terms, prospectus, and disclosures. The issuer, not Stockpile, is responsible for the token, its backing, redemption, and corporate actions.
• Issuer risk. If an issuer, custodian, or SPV fails, is hacked, or stops operating, your tokens may lose some or all of their value, and Stockpile cannot make you whole.
• Price divergence. On-chain token prices can differ from exchange or issuer reference prices, especially outside market hours, during volatility, or when liquidity is thin.

7. Third-party services

Stockpile integrates with these providers for core features:

• Jupiter: we use Jupiter's swap API to aggregate and route token swaps across Solana decentralized exchanges and liquidity venues, and for token metadata and prices.
• Privy: we use Privy for sign-in and embedded, self-custodial wallet infrastructure. Your wallet's keys are managed by Privy's key-management system, not by Stockpile.
• Helius: we use Helius for Solana RPC access, reading balances and history, simulating transactions, and relaying them.
• Backed (xStocks) and PreStocks: they issue the tokenized assets shown in bags.
• Data providers such as tokens.xyz, Pyth Network, and CongressInvests: they supply charts, reference prices, and public disclosure data.

By using Stockpile's swap, wallet, and trading features, you also agree to the terms of service of these providers, including Jupiter's Terms of Use and Privy's User Terms. We do not control these providers. We are not responsible for their availability, accuracy, fees, or conduct, or for any loss they cause.

8. Self-custody and your wallet

Stockpile is non-custodial. Your wallet and its assets belong to you, and Stockpile cannot access your keys, move your funds, reverse transactions, or recover a lost wallet. You are solely responsible for:

• keeping your sign-in email, device, and any wallet export or recovery method secure;
• every transaction you approve from your wallet; and
• any loss caused by unauthorized access to your email, device, or wallet.

9. Quotes, transactions, and fees

• Quotes are indicative. Prices, routes, and price impact come from Jupiter and on-chain liquidity and may change between quote and execution. Slippage limits apply, and a swap can fail, or fill differently than shown, when the market moves.
• Buying a bag means several swaps. A bag purchase is a series of separate transactions, one per token. Some legs may succeed while others fail, so you may end up holding only part of a bag.
• You sign every transaction. Transactions are prepared by our API, checked on your device, and signed by your wallet. Once signed, we relay them to the Solana network. Confirmed transactions are final and irreversible.
• Network fee sponsorship. Stockpile currently pays Solana network fees and token-account rent for eligible swaps. Sponsorship is at our discretion, has limits, and may change or end at any time.
• Fees. Stockpile does not currently charge its own fee on swaps. Jupiter routes, liquidity venues, and issuers may build fees or spreads into prices. If we introduce a Stockpile fee, we will show it before you confirm a trade.

10. Content and data accuracy

• News. Stories are summarized from third-party publishers, sometimes with the help of automated and AI tools, and may contain errors or omissions. The original articles belong to their publishers.
• Disclosure bags. STOCK Act filings are published 30 to 45 days after a trade, report value ranges rather than exact amounts, and may include trades by spouses. Disclosure bags are built from public records. They are not a live or managed portfolio, and no member of Congress endorses or is affiliated with Stockpile.
• Market data. Prices, charts, and performance figures may be delayed, estimated, or unavailable. Do not rely on them as the sole basis for any decision.

11. Risks

You understand and accept that:

• digital asset and tokenized security prices are highly volatile, and you may lose some or all of your funds;
• liquidity may be thin, and you may be unable to sell when you want or at the price you expect;
• blockchain transactions are irreversible, and assets sent to the wrong address cannot be recovered;
• smart contracts, protocols, wallets, and networks can have bugs, be exploited, or suffer outages;
• regulatory changes may restrict or end access to the Service or to specific tokens; and
• technical issues may delay or stop transactions, quotes, or balance updates.

12. Prohibited use

You agree not to:

• use the Service for any unlawful purpose, including money laundering, terrorist financing, or sanctions evasion;
• get around geographic, eligibility, or issuer restrictions;
• manipulate markets, or use the Service for wash trading, spoofing, or other deceptive practices;
• interfere with, overload, reverse engineer, or try to gain unauthorized access to the Service or its infrastructure;
• abuse network fee sponsorship, for example with automated or high-volume transactions meant to drain it; or
• impersonate anyone or give false information.

13. Taxes

You are solely responsible for working out and paying any taxes on your transactions. Stockpile does not provide tax reporting or tax advice.

14. Intellectual property

The Stockpile name, logo, app design, bag curation, and editorial content belong to us or our licensors and are protected by intellectual property laws. Source code we publish on GitHub is licensed under the terms in that repository. Token names, logos, and trademarks belong to their respective owners, and using them does not imply endorsement.

15. Suspension and termination

We may suspend or end your access to the Service at any time, with or without notice, if we believe you have broken these Terms or the law, or to protect the Service or other users. You may stop using Stockpile and delete your account at any time. Because the Service is non-custodial, your wallet and its assets stay under your control after termination.

16. Disclaimers

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

17. Limitation of liability

To the fullest extent permitted by law, Stockpile and its affiliates, contributors, and service providers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, digital assets, data, or goodwill arising from your use of the Service. Our total liability for any claim will not exceed the greater of the fees you paid to Stockpile in the 12 months before the claim or US$100.

18. Indemnification

You agree to indemnify and hold Stockpile harmless from any claims, losses, and expenses, including reasonable legal fees, that arise from your use of the Service, your breach of these Terms, or your violation of any law or third-party right.

19. Changes to these terms

We may change these Terms from time to time. If we make material changes, we will notify you in the app or on this page before they take effect. If you keep using the Service after changes take effect, you accept the updated Terms.

20. Governing law

These Terms are governed by applicable law, without regard to conflict-of-law principles. If any provision is found unenforceable, the rest of these Terms remain in effect.

21. Contact

Questions about these Terms? Email support@stockpile.cash.