Terms of Service

1. The Service

Policy Stack is a software platform that helps individuals and financial professionals track whole life insurance policies, model scenarios, and visualize their financial position. The Service is a tracking and organizational tool only.

2. Not Financial Advice

Policy Stack is not a registered investment advisor, broker-dealer, insurance agency, financial planner, or tax professional. Nothing on this platform — including data displays, AI outputs, scenario models, calculators, or any other feature — constitutes financial, investment, insurance, legal, or tax advice.

What Policy Stack Does

Policy Stack helps you organize, track, and visualize information related to your whole life insurance policies and financial position. The platform:

• Records policy values, loan balances, and capital deployments that you enter
• Models scenarios based on assumptions you provide
• Displays your financial position as of dates you specify
• Answers questions about your data and general whole life banking concepts

All modeled outputs are illustrative, based on your stated assumptions, and labeled accordingly (Actual, Projected, Modeled, or Planned). They should not be relied upon as predictions of future performance.

What Policy Stack Does Not Do

Policy Stack does not:

• Recommend whether you should purchase, modify, or surrender any insurance policy
• Advise on the suitability of whole life insurance or any financial product for your situation
• Provide guidance on tax treatment of policy loans, withdrawals, or death benefits
• Recommend investment strategies, asset allocation, or capital deployment decisions
• Verify the accuracy of values reported by your insurance carrier

Consult a Qualified Professional

Decisions involving whole life insurance, policy loans, capital deployment, tax planning, or estate strategy should be made in consultation with a licensed insurance professional, CFP, RIA, CPA, or attorney. Policy Stack is designed to support those conversations — not replace them.

No Warranty on Data Accuracy

The accuracy of your Policy Stack data depends entirely on the accuracy of what you enter. We do not receive data directly from insurance carriers. Always verify your financial position with your carrier directly.

3. Eligibility

You must be at least 18 years old and capable of entering into a binding agreement. The Service is intended for use in the United States.

4. Accounts

4.1 Registration

You must provide accurate, current, and complete information when creating an account and keep it up to date.

4.2 Account Security

You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Notify us immediately at support@policystack.co if you suspect unauthorized access.

4.3 One Account Per Person

Each individual may maintain one account. You may not create accounts on behalf of others without their knowledge and consent.

5. Subscription Plans and Billing

5.1 Plans

Policy Stack offers free and paid plans for consumers (Starter, Builder Pro) and advisors (Practice Solo, Practice 10, Practice 25, Practice 50). Consumer Builder Pro is $25/mo or $18/mo billed annually with a 14-day free trial. Consumers referred by a financial professional receive a 30-day free trial. Advisor plans include a 30-day free trial with 3 complimentary client seats (Practice 10 and above). A credit card is required for all trials. Current pricing is at policystack.co/pricing.

5.2 Billing

Paid plans are billed in advance on a monthly or annual basis via Stripe. By subscribing, you authorize recurring charges until cancellation.

5.3 Cancellation

You may cancel at any time through account settings. Cancellation takes effect at the end of the current billing period.

5.4 Refunds

Refunds are governed by our Refund Policy.

5.5 Price Changes

We will provide at least 30 days' notice before any price change takes effect. Continued use after the notice period constitutes acceptance.

5.6 Taxes

You are responsible for all applicable taxes. Displayed prices exclude taxes unless stated otherwise.

5.7 Advisor Seat Packs

Advisor plans (Practice 10, Practice 25, Practice 50) include client seats that grant Builder Pro access to the advisor's clients at no cost to the client. Advisors control seat assignment, duration, and revocation from their practice dashboard.

• Each seat has a configurable expiration date (default duration set by the advisor, with per-client overrides available)
• When a seat expires or is revoked, the client may choose to self-pay for Builder Pro or drops to the free Starter plan
• Expired or revoked seats return to the advisor's pool for reassignment
• Connected vs. Seated: Connections and seats are two independent relationship types. Seating a client automatically creates a data-sharing connection, but connecting does not consume a seat. A consumer can disconnect from an advisor at any time.
• When seated, the advisor receives read-only access to the client's data

5.8 Overflow and Team Seats

• Overflow seats:Practice 10, Practice 25, and Practice 50 advisors may add overflow client seats at $15/seat/month beyond the tier's included count. Overflow seats are billed as a metered add-on.
• Team seats:All advisor tiers may purchase team seats at $5/month each. Team members receive portal-only access to the advisor's practice dashboard and cannot access Builder Pro consumer features. Practice 50 includes 2 free team seats.

5.9 Self-Pay and Seat Overlap

When a self-paying consumer is seated by an advisor, the consumer's active subscription is automatically canceled with a prorated refund for the unused portion of the billing period. The consumer retains Builder Pro access through the advisor's seat.

If the consumer later loses seat access (expiration, revocation, or advisor cancellation), they receive the ADVISOR_TRANSITION coupon: 20% off annual Builder Pro, one-time use.

5.10 Referral Credits

When a connected client upgrades to a self-pay Builder Pro subscription, the referring advisor receives a one-time $25 invoice credit. Credits are limited to one per unique consumer and are available only to advisors with an active Practice subscription. Referral credits are non-transferable and expire if the advisor's account is canceled.

6. Acceptable Use

6.1 General Standard

Use the Service only for its intended purpose and in compliance with all applicable laws, regulations, and professional standards.

6.2 Prohibited Conduct

You may not:

• Use the Service for any unlawful purpose, including fraud, money laundering, or circumvention of regulatory requirements
• Misrepresent Policy Stack's features, capabilities, or affiliations to any person
• Represent AI outputs or modeled scenarios as personalized professional financial advice
• Attempt to access accounts, systems, or data you are not authorized to access
• Use automated tools (bots, scrapers, crawlers) to access or extract data without written authorization
• Attempt to reverse-engineer, decompile, or otherwise access the underlying source code
• Upload or transmit malicious code or content designed to harm the Service or its users
• Circumvent usage limits, throttling, or plan restrictions through technical means
• Use AI features in ways designed to manipulate, jailbreak, or extract system prompts
• Aggregate platform data to build a competing product or service
• Enter fabricated or fraudulent financial data with intent to deceive

6.3 Advisor-Specific Conduct

Advisors additionally may not:

• Misrepresent Policy Stack to clients or claim endorsement where none exists
• Self-refer or create fake accounts to inflate referral credits
• Use client data accessed through advisor features outside the scope of their professional relationship
• Conduct activities outside the scope of their licensed profession

Violations may result in immediate termination without refund and forfeiture of any unused referral credits.

7. Advisor Program

Participation in the Advisor Program is governed by the Advisor Agreement, which supplements these Terms. In the event of a conflict on advisor-specific matters, the Advisor Agreement controls.

8. User Content

8.1 Ownership

You retain ownership of the data, documents, and information you enter or upload ("User Content"). You grant us a limited license to process and store User Content solely to provide and improve the Service.

8.2 Accuracy

You are solely responsible for the accuracy of data you enter.

8.3 Document Uploads

By uploading documents, you represent that you have the right to share that content with us.

9. AI Features

AI features are powered by third-party language models via OpenRouter. Use of AI-powered features is subject to our AI Usage Policy. AI outputs are illustrative only and do not constitute financial or professional advice. See Section 2 for the full disclaimer.

10. Intellectual Property

All content, features, design, trademarks, and technology — excluding User Content — are owned by Policy Stack or its licensors. You receive only a limited, revocable license to access the Service.

Policy Stack is independent of and is not affiliated with, sponsored by, or endorsed by Infinite Banking Concepts, LLC, the Nelson Nash Institute, or any insurance carrier. Descriptive terms such as "whole life banking" and "private family banking" do not imply affiliation with or endorsement by any trademark holder.

11. Third-Party Services

The Service integrates with Stripe (payments), Supabase (database and authentication), and OpenRouter (AI model routing). Your use of those services is subject to their respective terms. We are not responsible for third-party provider practices.

12. Disclaimers

The Service is provided "as is" and "as available" without warranties of any kind. We disclaim all warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted or error-free.

13. Limitation of Liability

To the maximum extent permitted by law, Policy Stack shall not be liable for any indirect, incidental, special, consequential, or punitive damages. Our total liability shall not exceed the amount you paid us in the 12 months preceding the claim, or $100, whichever is greater.

14. Indemnification

You agree to indemnify and hold harmless Policy Stack and its officers, directors, employees, and agents from claims arising from your use of the Service or violation of these Terms.

15. Termination

15.1 By You

Close your account at any time through account settings. Closing does not entitle you to a refund of prepaid fees.

15.2 By Us

We may suspend or terminate your account for violations at any time, with or without notice. Material violations result in immediate termination without refund.

15.3 Effect of Termination

Access ceases upon termination. Account data is retained for 30 days after closure, then permanently deleted per our Privacy Policy.

16. Governing Law and Disputes

These Terms are governed by the laws of the State of Tennessee. Disputes shall be resolved by binding arbitration under AAA rules in the State of Tennessee. You waive any right to jury trial or class action.

17. Changes to These Terms

Material changes will be communicated at least 14 days before taking effect. Continued use constitutes acceptance.

18. Contact

Policy Stack
Email: support@policystack.co
policystack.co/terms