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Stack Healthcare, Inc - Platform Terms of Use

Last Updated: May 20, 2026

Healthcare benefits operate inside legal and financial frameworks. Accessing coverage, reimbursements, and related services requires clear rules about how the Platform works and what responsibilities apply.

Stack exists to simplify access to coverage, reimbursements, and care navigation. These Terms describe the conditions under which you may use the Platform, the services we provide, and the boundaries that protect users, employers, and the system itself.

We design the Platform to operate within applicable federal and state laws, including insurance, healthcare, and financial regulations where they apply. These Terms describe how that structure works in practice.

The Platform is offered only to users located in the United States and is intended for use only by U.S. residents and U.S.-domiciled businesses. The Platform is not offered or directed to users outside of the United States.

I. Agreement & Scope

A. Acceptance of Terms

These Terms of Use (“Terms”) constitute a legally binding agreement between you and Stack Healthcare Inc. (“Stack,” “we,” “us,” or “our”).

By accessing, registering for, or using the Platform or any Services, you:

Acknowledge that you have read and understand these Terms;
Agree to be bound by them; and
Represent that you have the authority and legal capacity to enter into this agreement.

If you access the Platform on behalf of another individual or entity, you represent that you have authority to bind that individual or entity to these Terms.

If you do not agree to these Terms, you may not access or use the Platform.

We may update these Terms from time to time. When we do, we will update the “Last Updated” date. Your continued use of the Platform after any changes become effective constitutes acceptance of the revised Terms.

B. Who We Are and What We Do

Stack operates a technology platform that supports access to health benefits and related services (the “Platform”).

Stack provides administrative, technology, brokerage, marketplace, and financial integration services depending on context. Our Services may include:

Employer-sponsored ICHRA administration, including reimbursement review and processing;
Insurance enrollment support;
Licensed brokerage services in jurisdictions where Stack or its affiliates are authorized;
Marketplace access to third-party insurance products;
Marketplace access to third-party non-insurance products and services;
Care navigation support;
Financial account and payment integrations, including the Stack Premium Payments program described in Section V.

Stack may act in different capacities depending on the Service provided, including:

As a technology and administrative service provider;
As a licensed insurance brokerage in certain jurisdictions;
As a service provider or Business Associate under HIPAA, where applicable;
As an integrator of third-party financial services.

Stack’s role is limited to the specific function being performed in connection with a given Service. Stack does not assume responsibilities beyond those expressly described in these Terms or in any applicable separate agreement.

Stack is not:

An insurance carrier;
A health plan;
A medical provider;
A bank or a money transmitter;
A fiduciary to you, except where required by law.

Insurance coverage decisions are made solely by insurance carriers. Insurance contracts exist solely between you and the applicable carrier.

Where brokerage services are provided, they are provided by Stack Healthcare, Inc. and are subject to applicable state insurance licensing laws and required disclosures.

Nothing on the Platform constitutes medical advice, legal advice, tax advice, or a guarantee of eligibility, coverage, or regulatory compliance.

You acknowledge that the Platform provides administrative tools, information, and access to services, but does not make decisions on your behalf. Any decisions regarding insurance selection, healthcare services, financial transactions, or benefit usage are made by you or the applicable third-party provider. You are responsible for reviewing applicable plan documents, carrier policies, financial agreements, and other governing terms and for determining whether any product, service, or information meets your needs.

C. Scope of Agreement and Incorporated Terms

These Terms govern your access to and use of the Platform and all Services made available through it.

The Platform operates within a network of regulated relationships. Depending on how you access or use the Platform, additional agreements, disclosures, or policies may apply, including but not limited to:

Our Privacy Policy;
Our Acceptable Use Policy;
Our Electronic Communications Consent;
Financial Partner Agreements (including banking, payment processing, ACH authorization, card issuance, or stored value services);
Program-specific terms (including Stack Premium Payments and any similar programs);
Marketplace or brokerage disclosures;
Employer-sponsored plan documents;
Separate agreements between Stack and members, employers, brokers, or other partners.

All such agreements are incorporated into these Terms by reference where applicable. Violation of these agreements constitutes a breach of these Terms and may result in suspension or termination of Services.

Financial Partner Agreements and brokerage-related disclosures may impose additional obligations, authorization requirements, and dispute resolution provisions that apply independently of these Terms. Your use of financial or brokerage-related Services is conditioned on acceptance of those agreements.

If there is a conflict among governing documents, the following order of precedence applies:

Applicable law and regulatory requirements;
Financial Partner Agreements, for financial services governed by those agreements;
Employer-sponsored plan documents and applicable employer administrative agreements, for benefit design, eligibility, reimbursement, and plan administration matters;
These Terms, for Platform access and user conduct;
Other incorporated policies, to the extent consistent with the foregoing.

For clarity, these Terms govern use of the Platform interface and related user obligations, and do not amend plan design terms or employer administrative obligations.

Except as expressly stated, no agreement between Stack and any employer, broker, carrier, or partner creates third-party beneficiary rights for you.

D. Alternate or Program-Specific Agreements Control

Certain features, products, or programs offered through the Platform may be subject to separate agreements, including financial account agreements, cardholder agreements, reimbursement program terms, marketplace disclosures, brokerage disclosures, or employer administrative agreements.

If you enter into a separate written or electronic agreement governing a specific feature or program, that agreement controls with respect to that feature or program to the extent of any conflict with these Terms.

These Terms continue to govern your general access to and use of the Platform unless expressly stated otherwise in the applicable separate agreement.

II. Platform Access & User Obligations

A. User Types, Authority, and Access Pathways

The Platform may be accessed in different ways, including:

As an individual participant in an employer-sponsored benefit plan;
As a direct individual user;
As an employer or Plan Sponsor;
As a licensed broker or advisor;
As an authorized representative acting on behalf of another individual or entity.

Your rights and responsibilities under these Terms may vary depending on how you access the Platform and your relationship to Stack.

1. Individual Users

If you access the Platform as an individual, you are responsible for:

Providing accurate, current, and complete information, including information related to identity, eligibility, dependents, financial accounts, and reimbursement submissions;
Ensuring that any information submitted on behalf of dependents is authorized;
Reviewing carrier, plan, and financial documents before making decisions.

You represent that all information submitted is truthful and not misleading, and that you will not omit information necessary to make submitted information accurate in context.

You may not share your account credentials with any other person. You may not allow another individual to access the Platform using your account.

2. Employer or Plan Sponsor Access

If you access the Platform as an employer or Plan Sponsor, you represent and warrant that:

You have authority to act on behalf of the organization;
You are responsible for compliance with applicable benefit, tax, and employment laws;
Information you provide regarding eligibility, employee status, or plan design is accurate and lawful;
You have obtained any required employee authorizations necessary to share data with Stack.

Stack does not assume responsibility for employer compliance obligations unless expressly agreed in a separate written agreement.

3. Broker or Advisor Access

If you access the Platform as a broker or advisor, you represent and warrant that:

You hold all required licenses in applicable jurisdictions;
You are authorized to act on behalf of the employer or individual you represent;
You will comply with applicable insurance, disclosure, and regulatory requirements;
You will not misrepresent Stack’s role or Services.

Stack reserves the right to verify licensure status and suspend broker access for regulatory concerns.

4. Authorized Representatives

If you access the Platform on behalf of another person or entity, you represent that you have legal authority to bind that individual or entity to these Terms.

You agree to indemnify Stack for any claims arising from unauthorized access or misrepresentation of authority.

5. No Account Transfer

Accounts are personal or entity-specific and may not be assigned, transferred, sold, or sublicensed without Stack’s written consent.

Account transfer or misuse may result in enforcement actions under this Section II.

B. Eligibility, Verification, Account Responsibilities, and Security

To access the Platform, you must:

Be at least eighteen (18) years of age;
Have legal capacity to enter into binding agreements;
Be a U.S. resident or, in the case of an entity, be domiciled and operating in the United States. The Platform is not offered or directed to persons or entities located outside of the United States;
Maintain accurate, current, and complete account information.

Stack may rely on the information you provide without independent verification, except where required by law.

You are responsible for maintaining the confidentiality of your login credentials. To the fullest extent permitted by law, you are responsible for all activity conducted through your account, including activity resulting from unauthorized access where you failed to maintain reasonable security of your credentials.

You agree to notify Stack promptly of:

Unauthorized access to your account;
Suspected fraud or misuse;
Changes that may affect eligibility for benefits or Services.

Inaccurate, incomplete, or misleading information may result in suspension or termination of access to the Platform or Services, delay or denial of transactions or reimbursements, or other actions as permitted under these Terms and applicable law.

1. Identity and Eligibility Verification

Stack may require reasonable security measures, including multi-factor authentication, periodic credential resets, and verification steps, as a condition of access to some or all Platform features. This may include requesting additional documentation and confirmation from employers, carriers, brokers, or Financial Partners.

Failure to provide requested documentation may result in suspension or limitation of access.

2. Reimbursement and Financial Review Authority

Stack may review reimbursement submissions for completeness and consistency with applicable plan requirements.

Stack reserves the right to:

Request additional supporting documentation;
Delay processing pending verification;
Reject submissions that appear incomplete or inconsistent;
Temporarily suspend reimbursement processing during investigations.

Nothing in this Section alters the authority of insurance carriers or plan sponsors to make final benefit determinations.

Stack reserves the right, to the extent permitted by applicable law, to recover or offset any reimbursement or payment made in error or based on incomplete, inaccurate, or misleading information, including where a user is later determined to be ineligible under applicable plan terms or where a reimbursement is inconsistent with applicable rules, policies, or governing agreements.

3. Fraud Monitoring and Investigations

Stack may monitor for suspicious activity consistent with its legal and regulatory obligations.

Stack reserves the right to:

Investigate suspected fraud, abuse, or regulatory violations;
Suspend or restrict access during investigations;
Freeze financial transactions where reasonably necessary to mitigate risk;
Report suspected unlawful conduct to employers, carriers, Financial Partners, or regulatory authorities, as permitted or required by applicable law and consistent with applicable contractual obligations.

You agree to cooperate reasonably with any investigation relating to your use of the Platform.

4. Compliance with Applicable Requirements

You agree to use the Platform in compliance with all applicable laws, regulations, and contractual obligations, including those related to healthcare benefits, financial transactions, and tax reporting.

You are responsible for ensuring that your use of the Platform complies with the terms of any applicable benefit plan, Financial Partner Agreement, or third-party service.

5. Prohibited Conduct

You may not use the Platform to engage in fraudulent, deceptive, or unlawful conduct, including submitting false or misleading information, attempting to improperly obtain reimbursements or benefits, or circumventing Platform controls.

Additional restrictions on acceptable use are set forth in the Acceptable Use Policy, which is incorporated into these Terms.

6. Enforcement and Platform Protections

Stack may monitor, review, and investigate activity on the Platform to ensure compliance with these Terms and applicable requirements.

Stack reserves the right, in its sole discretion and to the extent permitted by law, to suspend, restrict, or terminate access to the Platform or Services, delay or deny transactions or reimbursements, or take other appropriate action if we believe that you have violated these Terms, engaged in fraudulent or unlawful conduct, or created risk to Stack, other users, Financial Partners, or third parties.

Stack may cooperate with law enforcement, regulators, Financial Partners, or other third parties in connection with investigations of suspected misconduct.

7. System Integrity and No Circumvention

You may not interfere with or attempt to interfere with the operation of the Platform, including by bypassing security measures, accessing systems or data without authorization, or using automated means to extract data or interact with the Platform in a manner not intended by Stack.

C. Mobile Applications

If you access the Platform through a mobile application:

Standard data and messaging rates from your wireless carrier may apply;
You are responsible for maintaining the security of your device;
App store provider terms may also apply to your use of the mobile application.

Stack is not responsible for carrier network availability or device-related interruptions.

D. No Obligation to Provide Support or Maintenance

Unless expressly agreed in a separate written agreement, Stack has no obligation to provide ongoing support, maintenance, updates, or modifications to the Platform or any Services.

Stack may modify, suspend, or discontinue any aspect of the Platform at any time, subject to applicable law.

Stack will not be liable to you or any third party for any modification, suspension, or discontinuation of the Platform or any Services, to the maximum extent permitted by law.

E. Beta or Pilot Features

Stack may offer new or experimental features on a beta or pilot basis.

Beta features:

May be modified or discontinued at any time;
May contain errors or limitations;
Are provided without additional warranties beyond those set forth in these Terms.

III. Platform Services and Marketplace Offerings

A. Platform Services

Stack provides a technology platform that enables users to access, manage, and administer healthcare benefits, reimbursement arrangements, financial tools, and related services (the “Platform Services”).

Platform Services may include administrative functionality, eligibility tracking, reimbursement processing support, care navigation tools, and integrations with third-party providers. Platform Services are distinct from Marketplace Offerings described below.

The scope and availability of Platform Services may vary based on:

Whether you access the Platform through an employer-sponsored benefit plan or directly;
Applicable regulatory requirements;
Geographic location;
Carrier participation;
Financial Partner capabilities.

Stack may modify, update, limit, suspend, or discontinue Services or specific features or components of the Platform at any time.

Stack may perform scheduled or emergency maintenance, which may temporarily affect access or functionality.

Stack does not control the performance of third-party providers or the outcomes of services accessed through the Platform.

B. Marketplace Offerings

The Platform may include access to a marketplace of third-party products and services (“Marketplace Offerings”), which may include insurance products, healthcare services, financial tools, and other related offerings. Marketplace Offerings may be made available with or without brokerage or advisory services, depending on the nature of the offering and your relationship with Stack.

C. Nature of Marketplace Offerings

Marketplace Offerings are provided by independent third parties that operate under their own terms and conditions.

Stack does not own, underwrite, manufacture, or control these offerings and is not responsible for their terms, performance, or outcomes.

Stack does not control underwriting decisions, premium pricing, claims determinations, or ongoing availability of Marketplace Offerings.

Marketplace products and services may be added, modified, or removed at any time.

D. No Endorsement or Guarantee

The inclusion of any Marketplace Offering on the Platform does not constitute an endorsement, recommendation, or guarantee by Stack. Marketplace Offerings are provided by independent third parties, and Stack does not warrant the quality, suitability, availability, or performance of any such offering.

E. User Responsibility for Selections

You are solely responsible for evaluating and selecting any Marketplace Offering, including reviewing all applicable terms, disclosures, and agreements provided by the third-party provider. You acknowledge that your decisions regarding insurance coverage, healthcare services, and financial products are made independently of Stack.

F. Third-Party Agreements

Your participation in any Marketplace Offering may require acceptance of separate agreements directly with the applicable third-party provider. Your use of such offerings is governed by those agreements.

Stack is not a party to any agreement between you and a Marketplace provider unless expressly stated.

G. Compensation Disclosure

Stack may receive compensation from third-party providers in connection with Marketplace Offerings, as permitted by law. Such arrangements do not modify your obligations under these Terms or the terms of any third-party agreement, and do not constitute an endorsement of any Marketplace Offering.

IV. Brokerage & Compensation

A. Brokerage Services

Brokerage services may be made available through the Platform in connection with certain insurance products. Such services may be provided either:

Directly by Stack, if licensed in the applicable jurisdiction; or
By an affiliated or third-party licensed insurance agency, if Stack is not authorized in that jurisdiction.

Where brokerage services are provided by an affiliated or third-party agency, that agency operates under its own licensure and regulatory obligations.

Brokerage services are subject to applicable state insurance laws, carrier requirements, and required regulatory disclosures. Not all users or Marketplace Offerings involve brokerage services, and availability may vary by jurisdiction and product.

Approval of coverage and policy issuance are determined solely by the applicable insurance carrier. Stack does not control underwriting decisions, premium pricing, network design, benefit modifications, or claims administration.

Stack does not guarantee the availability of brokerage services in any jurisdiction or for any product.

B. Compensation Disclosure

Stack or its affiliates may receive compensation in connection with brokerage services, where permitted by law. Compensation structures may vary depending on the product selected and applicable carrier arrangements.

Such compensation does not modify your obligations under these Terms or the terms of any applicable insurance policy or third-party agreement.

V. Financial Partner Services

The Platform may integrate with financial institutions, payment processors, banking providers, card issuers, and other financial service providers (“Financial Partners”) to facilitate reimbursements, premium payments, account verification, stored value services, or related financial transactions.

Stack is not a bank and is not a money transmitter. For the Stack Premium Payments program and related financial services made available through the Platform:

Money transmission services and financial account services are provided by Stripe Payments Company, with funds held at Fifth Third Bank, N.A., Member FDIC.
Stack Premium Payments Visa® Commercial cards are powered by Stripe and issued by Celtic Bank.
Stripe Issuing balances supporting Stack Premium Payments are provided in the United States by Stripe Payments Company, a licensed money transmitter, with funds held at Stripe’s bank partners, Members FDIC.

Stack Premium Payments is the program name used to describe the financial services described in this Section V. Stack Premium Payments is the program operated by Stack on top of services provided by Stripe Payments Company and its bank partners. It is not a deposit account, a checking account, or a savings account, and it is not a banking product.

Financial Partner services are subject to separate agreements and terms imposed by the applicable Financial Partner.

A. Authorization of Transactions

By linking a bank account, payment card, or other financial account to the Platform, you authorize Stack and its Financial Partners to:

Initiate authorized ACH debits or credits;
Facilitate reimbursement payments;
Reverse or correct erroneous transactions;
Verify account ownership;
Process transactions in accordance with applicable financial network rules.

If ACH transactions are used, you agree that such transactions are governed by the NACHA Operating Rules and applicable banking laws.

You represent and warrant that:

You are the authorized owner or signatory of any linked financial account;
All financial information provided is accurate and current.

B. Failed Transactions and Corrections

If a transaction fails due to insufficient funds, incorrect account information, chargeback, dispute, reversal, or processing error, Stack may:

Retry the transaction where permitted;
Suspend related financial features;
Offset amounts owed against future reimbursements;
Recover funds disbursed in error.

You remain responsible for amounts owed arising from inaccurate, unauthorized, or disputed transactions.

C. Reserves and Coverage-Related Payments

Stack may require that you provide or maintain a reserve as a condition of using, or continuing to use, the Services. If required, Stack will determine and communicate the reserve amount before debiting, holding, or designating funds in your connected financial account. Reserve amounts remain in, or are funded from, your connected financial account and are not held in Stack operating accounts.

Reserve amounts may be used to satisfy financial obligations you owe under these Terms, any applicable User Agreements, Healthcare Notices, Financial Partner Agreements, or other applicable agreements, including commitments to carriers and employees necessary to maintain plan coverages.

Stack may initiate payments or transfers from your connected financial account to third parties on your behalf solely as necessary to help maintain plan coverages. These payments may include payments to carriers on behalf of members and reimbursements or other payments to employees on behalf of employers. Stack does not fund these payments from Stack operating accounts.

You remain responsible for ensuring that sufficient funds are available in your connected financial account to satisfy all reserve obligations, coverage-related payments, amounts owed, and other commitments under the applicable agreements. Any unpaid amounts are immediately due and payable by you. Nothing in this section limits your responsibility for such obligations.

D. Financial Partner Independence

Financial Partners are independent entities and are not owned or controlled by Stack.

Stack does not control:

Banking system availability;
Payment network operations and outages;
Financial Partner processing timelines or delays;
Fraud detection, compliance holds, or transaction restrictions imposed by Financial Partners.

Stack is not liable for delays, interruptions, or errors caused by Financial Partners or financial networks.

E. Regulatory Compliance and Monitoring

Financial transactions conducted through the Platform may be subject to applicable laws and regulatory requirements, including anti-money laundering laws, sanctions screening, fraud monitoring, and identity verification obligations.

Stack and its Financial Partners may delay, block, or reject transactions as required to comply with applicable law or internal compliance policies.

You agree to provide additional documentation if reasonably requested for compliance purposes.

F. No Financial Advice

Nothing on the Platform constitutes banking, investment, tax, or financial advice.

You are responsible for reviewing and understanding the terms of any Financial Partner agreement before linking accounts or initiating transactions.

Except as required by law or expressly stated in these Terms, disputes relating to Financial Partner services must be resolved directly with the applicable Financial Partner, except as otherwise provided in Section V.I (Complaints Regarding Financial Services).

G. Required Third-Party Agreements

When you enroll an employer account or other entity in Stack Premium Payments or other financial services that rely on Stripe Payments Company and its bank partners, you will be required to separately review and accept the following agreements directly with Stripe and the applicable bank partner, in addition to these Terms, before the financial services can be activated:

Stripe Services Agreement;
Stripe Financial Accounts for platforms Terms (Connected Accounts);
Stripe Connected Account Agreement;
Stripe Issuing Accountholder Terms; and
Celtic Bank Issuing Bank Terms.

If you are issued a Stack Premium Payments virtual card as an authorized user (for example, an employee designated by an employer to make benefit-related payments), then typically during card activation you will also be required to accept additional agreements directly with Stripe and the applicable bank partner, including:

Stripe E-Sign Disclosure; and
Celtic Bank Authorized User Terms.

These agreements are separate from these Terms and are not bundled into or replaced by your acceptance of these Terms. Acceptance of these Terms alone does not constitute acceptance of any Stripe or bank partner agreement. The then-current version of each agreement will be presented to you at the time of enrollment or activation, and continued use of the financial services is subject to your acceptance of and ongoing compliance with those agreements.

H. Transaction Receipts

For regulated money transmission transactions processed through Stack Premium Payments (including inbound funding to your financial account, outbound payments to insurance carriers or other recipients, and reimbursements or other payments to employees), you will be provided with a receipt or transaction confirmation as required by applicable law.

Receipts may be made available through the Platform, by email, or through a hosted URL provided by Stripe Payments Company. Where Stripe generates a money transmission receipt for a regulated transaction, Stack will share that receipt with you or make it accessible to you through the Platform.

You are responsible for retaining receipts and transaction records you may need for your own purposes, including tax, accounting, or plan administration purposes.

I. Complaints Regarding Financial Services

If you have a complaint regarding a financial transaction, a financial account, a virtual card, or any other aspect of the Stack Premium Payments program or other financial services provided through the Platform, you may submit a complaint to Stack at any time by:

Emailing support@stackhealthcare.com (or such other complaints address as Stack may publish from time to time on the Platform or website)

Stack will acknowledge your complaint and respond within the timeframes required by applicable law. Depending on the nature of the complaint, Stack may escalate the matter to Stripe Payments Company or to the applicable bank partner (Celtic Bank or Fifth Third Bank, N.A.) and may direct you to contact the bank partner directly where required by their procedures or by applicable law.

This Section V.I governs complaints relating to financial services. Disputes between you and Stack relating to these Terms generally are governed by Section XII (Dispute Resolution & Arbitration). Nothing in this Section V.I waives or limits your rights under applicable law.

VI. Fees & Payment

A. Fees

As of the Last Updated date at the top of these Terms, Stack does not charge fees to users for use of the Stack Premium Payments program. ICHRA premium payment facilitation, financial account services provided through Stack Premium Payments, and the issuance and use of Stack Premium Payments virtual cards are provided at no direct cost to users at this time. Certain underlying network or processing fees may be charged by third parties in limited circumstances, but Stack does not currently mark up or pass through those fees to users.

Stack may introduce fees for some or all Services in the future. If Stack introduces fees, those fees will be disclosed in advance through an updated fee schedule, through the Platform, or otherwise as required by law, and will apply only to your use of the applicable Service on or after the effective date of the change.

Where fees are introduced, they may include:

Subscription fees;
Transaction-based fees;
Marketplace-related service fees;
Administrative fees;
Fees associated with brokerage or financial services, where applicable;
Payment processing or network-related fees.

Applicable fees will be disclosed prior to enrollment in or use of a paid Service.

Certain fees may be charged by third parties, including Financial Partners or Marketplace providers, and are governed by their respective agreements.

B. Authorization to Charge

If you enroll in a paid Service or initiate a transaction that requires payment, you authorize Stack and its Financial Partners to charge your designated payment method for applicable fees, including one-time and recurring charges, as applicable.

You represent that you are authorized to use the designated payment method.

C. Billing Disputes

You must notify Stack in writing of any billing dispute within thirty (30) days of the charge date, including sufficient detail to allow investigation of the issue.

Failure to timely dispute a charge constitutes waiver of the dispute to the fullest extent permitted by law.

D. No Refunds

Except as required by law or expressly stated in writing, fees are non-refundable, including for partially used or unused Services.

E. Fee Changes

Stack may modify fees upon reasonable notice, where required by law. Fee changes will apply to future use of the applicable Services.

Continued use of the applicable Service after such modification constitutes acceptance of the updated fees.

F. Taxes

You are responsible for any taxes, duties, or assessments associated with your use of paid Services, excluding taxes based solely on Stack’s net income.

G. Suspension for Nonpayment

Stack may suspend or terminate access to paid Services for failure to remit payment when due.

Outstanding payment obligations survive suspension or termination.

VII. Other Third-Party Services

The Platform may integrate with or provide access to third-party services, including analytics providers, employment data integrations, communication tools, and other independent service providers (“Third-Party Services”), excluding Marketplace Offerings described in Section III.

Third-Party Services are operated by independent entities under their own terms, conditions, and privacy policies.

Stack does not control and is not responsible for:

The availability, performance, or security of Third-Party Services;
Data processing, storage, or use by Third-Party Services;
Interruptions, delays, or errors resulting from third-party systems or integrations.

Links to third-party websites or services are provided for convenience and do not constitute an endorsement or recommendation by Stack.

Your use of Third-Party Services may require acceptance of separate agreements directly with the applicable provider. Stack is not responsible for those agreements or the services provided under them.

Certain Platform features may depend on Third-Party Services. If those services become unavailable, are modified, or are discontinued, related Platform functionality may be limited or unavailable.

VIII. Privacy Incorporation

Stack’s collection, use, and disclosure of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference, including any role-specific obligations under HIPAA where applicable.

In connection with the operation of the Platform and delivery of Services, personal information may be disclosed to employers or plan sponsors, insurance carriers, Financial Partners, and service providers, as necessary to administer benefits, facilitate enrollment, process transactions, and support Platform functionality.

Stack’s role with respect to personal information may vary depending on the nature of the Service, including acting as a service provider, administrator, or intermediary. Applicable rights and obligations are defined by the Privacy Policy, applicable law, and any governing agreements, which may impose additional or controlling requirements.

Stack implements administrative, technical, and contractual safeguards appropriate to its role.

Nothing in these Terms modifies or supersedes the rights and obligations set forth in the Privacy Policy.

IX. Intellectual Property

A. Ownership

All right, title, and interest in and to the Platform, including all software, content, design, text, graphics, interfaces, trademarks, logos, and other materials made available through the Platform, are owned by Stack or its licensors and are protected by applicable intellectual property laws.

Nothing in these Terms transfers any ownership rights in the Platform or related intellectual property to you.

B. Limited License

Subject to your compliance with these Terms, Stack grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for your personal or internal business use in connection with the Services.

This license is granted for the limited purpose described above and does not include any resale or commercial use of the Platform or its contents except as expressly permitted by Stack.

C. Restrictions

You may not, and may not permit any third party to:

Copy, reproduce, distribute, publicly display, or publicly perform any portion of the Platform;
Modify, adapt, translate, or create derivative works based on the Platform;
Reverse engineer, decompile, disassemble, or attempt to extract source code;
Remove, obscure, or alter proprietary notices or markings;
Use automated tools, including bots, scrapers, or crawlers, to access or extract data from the Platform;
Use the Platform to develop, support, or operate a competing product or service;
Use Stack’s trademarks, logos, or branding without prior written permission.

D. Reservation of Rights

Stack reserves all rights not expressly granted in these Terms.

No rights or licenses are granted by implication, estoppel, or otherwise.

E. Feedback

If you provide feedback, suggestions, or ideas regarding the Platform or Services, you grant Stack a worldwide, perpetual, irrevocable, royalty-free license to use, modify, and incorporate such feedback without restriction and without obligation to you.

X. Risk Allocation

A. Disclaimers

THE PLATFORM AND ALL SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, STACK DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

Without limiting the foregoing, Stack does not guarantee:

Uninterrupted availability or error-free operation of the Platform;
Compatibility with any device, browser, integration, or third-party system;
That the Platform will meet your specific expectations or requirements;
The availability, continuity, or terms of any Marketplace Offering;
Approval of insurance applications or reimbursement submissions;
Coverage determinations, underwriting decisions, premium rates, claims payments, or appeal outcomes;
The accuracy of tax treatment, eligibility outcomes, or regulatory compliance of third-party providers.

Coverage, eligibility, and payment determinations are made by applicable carriers, plans, administrators, financial institutions, or other third parties under their governing terms and applicable law. Stack does not control such determinations.

Any cost estimate, savings estimate, reimbursement projection, or timing estimate provided through the Platform is for informational purposes only and may differ from final outcomes.

You acknowledge that use of internet-based services involves inherent risks, including service interruptions, delays, and data transmission issues.

Nothing in this Section limits warranties that cannot be disclaimed under applicable law.

B. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, STACK AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, LOSS OF DATA, LOSS OF GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO YOUR USE OF THE PLATFORM OR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Without limiting the foregoing, Stack will not be liable for any damages arising from or related to:

Actions, omissions, or decisions of insurance carriers, plan sponsors, Marketplace providers, Financial Partners, or other third parties;
Eligibility determinations, underwriting decisions, claims outcomes, or reimbursement decisions made by third parties under applicable plan terms or governing agreements;
Delays, interruptions, or errors in third-party systems, financial networks, or integrations;
Unauthorized access, data breaches, or misconduct by third parties not under Stack’s control;
Your failure to provide accurate, complete, or timely information.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, STACK’S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE PLATFORM OR SERVICES WILL NOT EXCEED THE TOTAL AMOUNT PAID BY YOU TO STACK FOR THE APPLICABLE SERVICES DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

Nothing in this Section limits liability that cannot be limited under applicable law.

C. Indemnification

You agree to indemnify, defend, and hold harmless Stack and its affiliates, officers, directors, employees, agents, licensors, and Financial Partners (collectively, the “Stack Indemnified Parties”) from and against any and all claims, demands, actions, proceedings, investigations, liabilities, damages, losses, fines, penalties, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to:

Your breach of these Terms or any applicable agreement incorporated by reference;
Your violation of applicable law or regulation;
Your use or misuse of the Platform or Services;
Any information or data you submit, including information that is false, misleading, incomplete, or unauthorized, including information relating to eligibility, dependents, coverage status, reimbursement submissions, or financial accounts;
Your violation of any carrier, Financial Partner, Marketplace provider, or third-party agreement;
Any claim brought by a third party arising from your actions, omissions, or submissions in connection with the Platform or Services.

This indemnification obligation includes claims arising from regulatory inquiries, enforcement actions, investigations, fines, or penalties to the extent arising from your breach of these Terms, violation of applicable law, or other misconduct, but solely with respect to users acting in a business, employer, or broker capacity, and to the extent permitted by applicable law.

Stack reserves the right, at its own expense, to assume exclusive control of the defense and settlement of any matter subject to indemnification. You agree to cooperate reasonably in the defense of such claims and may not settle any claim without Stack’s prior written consent where such settlement imposes any liability or obligation on Stack.

Your indemnification obligations survive termination of these Terms.

XI. Termination

A. Termination by You

You may stop using the Platform at any time.

Termination of your account does not relieve you of any obligations incurred prior to termination, including payment obligations, indemnification obligations, or compliance responsibilities.

B. Termination or Suspension by Stack

Stack may suspend, restrict, or terminate your access to the Platform:

If you breach these Terms or any applicable agreement incorporated by reference;
If you violate applicable laws or regulations;
If your conduct presents fraud, abuse, security, or compliance risk;
If required by law, regulatory authority, carrier, or Financial Partner;
If required verification or information is not provided.

Stack may suspend access immediately where reasonably necessary to protect the integrity of the Platform, prevent fraud, or comply with legal or regulatory obligations.

Stack may also terminate your access for convenience upon reasonable notice.

If you access the Platform through an employer-sponsored benefit plan, your access may be subject to employer eligibility rules, participation requirements, and plan administration decisions. Access may be modified, suspended, or terminated based on employer instructions or changes in eligibility.

C. Effect of Termination

Upon termination:

Your right to access and use the Platform ceases immediately;
Stack may deactivate or delete your account, subject to applicable law;
You are responsible for retaining copies of any information or records you may need, unless otherwise required by law;
Outstanding payment obligations remain enforceable;
Financial Partner authorizations may remain effective to process pending transactions or reversals;
Stack may retain information as required for legal, regulatory, accounting, or audit purposes.

Termination of Platform access does not affect carrier policies, insurance contracts, employer-sponsored plan benefits, or separate Financial Partner agreements, all of which remain governed by their respective terms.

If you access the Platform through an employer-sponsored benefit plan, termination of employment or loss of eligibility may result in loss of access to certain or all Services, subject to applicable plan terms.

D. Survival

The following provisions survive termination of these Terms:

Fees & Payment;
Disclaimers;
Limitation of Liability;
Indemnification;
Dispute Resolution and Arbitration;
General Provisions;
Contact Information;
Any other provision that by its nature should survive termination.

XII. Dispute Resolution & Arbitration

Please read this Section carefully. It affects your legal rights, including your right to file a lawsuit in court.

A. Agreement to Arbitrate

Except for claims eligible for small claims court as described below, you and Stack agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Platform, or the Services will be resolved by binding individual arbitration.

This arbitration agreement is governed by the Federal Arbitration Act (“FAA”) and applies to all disputes to the fullest extent permitted by law.

This includes disputes regarding the interpretation, applicability, enforceability, or formation of this arbitration provision.

B. Delegation Clause

The arbitrator, and not any court, shall have exclusive authority to resolve any dispute relating to:

The interpretation or enforceability of this arbitration agreement;
Whether a dispute is subject to arbitration;
The validity of the class action waiver below.

C. Class Action and Jury Trial Waiver

YOU AND STACK AGREE THAT ALL CLAIMS WILL BE BROUGHT IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING.

YOU AND STACK WAIVE THE RIGHT TO A JURY TRIAL.

The arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of representative or class proceeding.

D. Arbitration Procedures

Arbitration will be administered by the American Arbitration Association (“AAA”) under its applicable arbitration rules, including the Consumer Arbitration Rules or other rules determined by AAA based on the nature of the dispute, as modified by this Section.

Arbitration will take place in the county of your residence or another mutually agreed location, unless otherwise required by applicable law.

Payment of arbitration fees will be governed by the AAA rules, except as otherwise required by applicable law.

E. Small Claims Carve-Out

Either party may bring an individual claim in small claims court if the claim qualifies and remains on an individual basis.

F. Opt-Out Right

You may opt out of this arbitration agreement by providing written notice to Stack within thirty (30) days of first accepting these Terms.

Your notice must include your name, address, and a clear statement that you wish to opt out of arbitration.

If you opt out, this arbitration provision will not apply, but all other provisions of these Terms will remain in effect.

G. Severability

If the class action waiver in this Section is found unenforceable, the entirety of this arbitration agreement shall be null and void.

If any other portion of this arbitration provision is found unenforceable, the remaining portions shall remain in force.

H. Informal Resolution

Before initiating arbitration, you agree to first contact Stack and attempt to resolve the dispute informally.

If a dispute is not resolved within thirty (30) days after notice, either party may proceed with arbitration as described in this Section.

XIII. General Provisions

A. Governing Law

These Terms and any dispute arising out of or relating to them or the Platform will be governed by the laws of the State of Ohio, without regard to conflict of law principles, except to the extent governed by the Federal Arbitration Act.

B. Venue

To the extent any dispute is permitted to proceed in court notwithstanding the arbitration provisions above, such dispute shall be brought exclusively in the state or federal courts located in Ohio, and you consent to personal jurisdiction in those courts.

C. Assignment

You may not assign or transfer these Terms or any rights or obligations hereunder, whether by operation of law or otherwise, without Stack’s prior written consent.

Stack may assign these Terms without restriction, including in connection with a merger, acquisition, or sale of assets.

D. No Third-Party Beneficiaries

Except as expressly provided herein, these Terms do not create any third-party beneficiary rights.

E. Relationship of the Parties

Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship between you and Stack.

F. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect and will be interpreted to reflect the original intent of the parties to the fullest extent permitted by law.

G. Waiver

Stack’s failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

H. Force Majeure

Stack will not be liable for any delay or failure to perform resulting from causes beyond its reasonable control, including natural disasters, governmental actions, labor disputes, internet or telecommunications failures, failures of third-party service providers, or Financial Partner outages.

I. Entire Agreement

These Terms, together with the documents incorporated by reference, constitute the entire agreement between you and Stack regarding the Platform and supersede all prior or contemporaneous agreements, understandings, or communications relating to the subject matter hereof.

J. Headings

Section headings are for convenience only and do not affect interpretation.

K. Export Compliance

You agree to comply with all applicable export control and sanctions laws in connection with your use of the Platform.

L. Limitation Period for Claims

To the maximum extent permitted by law, any claim arising out of or relating to these Terms or the Platform must be brought within one (1) year after the claim arises, or it will be permanently barred.

XIV. Contact Information

If you have questions about these Terms, the Platform, or the Services, or if you need to reach Stack for support, account issues, or complaints, you may contact us using the methods below.

Stack Healthcare, Inc.
8 East Broad Street
Columbus, OH 43215
United States

General support and customer service: support@stackhealthcare.com
Complaints regarding financial services (Stack Premium Payments): support@stackhealthcare.com (Attn: Complaints)
Privacy questions and privacy rights requests: privacy@stackhealthcare.com
Legal notices: legal@stackhealthcare.com

For privacy matters, see also our Privacy Policy.

Stack Healthcare, Inc. is a financial technology company and is not a bank. Stack Healthcare, Inc. partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank N.A., Member FDIC. Stack Premium Payments Visa® Commercial cards are issued by Celtic Bank.