Terms of Use

Wealth Stack

Terms of Use

Thank you for choosing to use Wealth Stack.  We value the relationship with our users and partners, and we aim to be transparent with the terms and conditions that apply to our relationship.  These Terms of Use (the “Terms” or “Agreement”) govern your access and use of our Wealth Stack mobile and web application (the “App”) or any website portal or subdomain that we make available to you (the “Website”)(collectively with the App, the “Services”).These Terms are between CMPD Wealth Corp. (dba Wealth Stack) (together with its parents, subsidiaries, representatives, affiliates, officers, and directors, “Wealth Stack” “we” or “us” or “our”) and you on your own behalf and on behalf of any organization you represent (collectively, “you” or “your”). By accepting electronically (for example, clicking “I Agree” or “Register”), installing, accessing or using the Services, you agree to be legally bound by the terms and conditions of this Agreement and the Wealth Stack Wealth Privacy Policy, as they may be amended from time to time in the future (see “Modifications” section below). If you do not agree to this Agreement, then you may not access or use the Services. Your use of the Services is governed by the version of these Terms that is in effect on the date that the Services are accessed by you. We will endeavor to include a “Last Modified” data above, but you should review the most current version of these Terms each time you use the Services.  These Terms are in addition to any other agreements between you and us, including any customer or account agreements, and any other agreements that govern your use of information, content, tools, products and services available on and through the Services.

Description of the Wealth Stack Services.  
The Services are a platform designed to help achieve economic justice for underinvested individuals and communities. We offer personal finance advice, education, services, and products that allow users to make investments, gain financial literacy, and even earn rewards or other incentives from third-party arrangements.  The Services may present you with information relating to third-party products or services (“Wealth Stack Offers”) that you may be interested in as well as provide you general tips, recommendations and educational material.THE SERVICES MAY INCLUDE GENERAL INVESTMENT EDUCATION BUT DO NOT INCLUDE INVESTMENT ADVICE.  THE SERVICES ARE NOT INTENDED TO PROVIDE LEGAL OR TAX ADVICE OR INTENDED TO SERVE AS TAX PREPARATION SERVICES.  THE SERVICES ARE NOT INTENDED TO PROVIDE A COMPREHENSIVE INVESTMENT PLAN.  The Services are intended only to assist you in your financial organization and decision-making, and are intended to be broad in scope. Your personal financial situation is unique, and any information obtained through the Services may not be appropriate for your personal circumstances. Accordingly, before making any final investment decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your tax, accounting and other certified financial advisers who are fully aware of your individual circumstances.Wealth Stack is an investment adviser registered with the U.S. Securities and Exchange Commission (“SEC”).  A copy of Wealth Stack’s most recent Form ADV, including its Form ADV Part 2A Brochure, is available at www.adviserinfo.sec.gov.

Privacy and Your Personal Information.  
Your use of the Services is subject to and governed by the Wealth Stack Wealth Privacy Policy, as may be updated from time to time.  By accessing or using the Services, you agree to the Wealth Stack Wealth Privacy Policy, and any changes or updates that are published by Wealth Stack.   You agree that Wealth Stack may use and maintain your data according to the Wealth Stack Wealth Privacy Policy, as part of the Services. You give Wealth Stack permission to combine information you enter or upload for the Services with that of other users of the Services and/or other Wealth Stack services. For example, this means that Wealth Stack may use your and other users’ non-identifiable, aggregated data to improve the Services or to design promotions. Wealth Stack may access or store your personal information in multiple countries, including countries outside of your own country to the extent permitted by applicable law.By providing a telephone number in connection with the Services, you verify that you are the current subscriber or owner of that number. In addition, you expressly agree that Wealth Stack and its affiliates may contact you by telephone or text message (including through the use of artificial voices, prerecorded voice messages, and/or autodialed calls and text messages) to the telephone number you provide or to any number provided to us on your behalf, for various purposes including verifying your identity, providing you with important notices regarding your account or use of the Services, fulfilling yours requests, or letting you know about promotions or Wealth Stack services we think we may be of interest to you. Your consent to receive automated calls and texts is completely voluntary, and you may opt out any time. You acknowledge that if you do not opt out, we may contact you even if your number is listed on a do-not-call list or if you cancel your account or terminate your relationship with us. You do not have to agree to receive promotional calls or texts as a condition of purchasing any goods or services.You understand and agree, for any text messages sent to you in connection with the Services, that: (a) message frequency may vary, (b) message and data rates may apply, and Wealth Stack is not responsible for these charges, and (c) neither Wealth Stack nor mobile carriers involved in the text messaging are liable for delayed or undelivered messages. To opt out of automated voice calls, you must provide us with written notice revoking your consent by contacting us as described in the Wealth Stack Wealth Privacy Policy, and including your full name, mailing address, account number, and the specific phone number(s) you wish to opt out of such calls.You also acknowledge and agree that your telephone calls to or from Wealth Stack or its affiliates may be monitored and recorded. We do this in order to ensure a high level of customer support and to provide our products, services, and user experience.

Account Information from Third-Parties.  
When you use the Services, you may direct us to retrieve your own information that is maintained online by third-parties with which you have customer relationships, maintain accounts or engage in financial transactions (“Account Info”). Wealth Stack may work with one or more service providers to access this Account Info. Wealth Stack does not review the Account Info for accuracy, legality or non-infringement. Wealth Stack is not responsible for the Account Info or products and services offered by or on third-party sites.We cannot always foresee or anticipate technical or other difficulties which may result in failure to obtain data or loss of data, and personalization settings, or from device operating environment malfunctions or other service interruptions. We assume no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, communications or personalization settings. For example, when displayed through the Services, Account Info is only as fresh as the time shown, which reflects when the information is obtained from such sites. Such information may be more up-to-date when obtained directly from the relevant sites.

Your Registration Information.  
In order to allow you to use the Services, you will need to register for an account with Wealth Stack. We may verify your identity. You authorize us to make any inquiries we consider necessary to validate your identity. These inquiries may include asking you for further information, requiring you to provide your full address, your date of birth, your social security number and/or requiring you to take steps to confirm ownership of your email address, ordering a credit report if you choose to take advantage of certain products, or verifying information you provide against third-party databases or through other sources, including your mobile device and/or device operating environment. If you do not provide this information or Wealth Stack cannot verify your identity, you may not be able to use all of the Services, and we can refuse to allow you to use the Services.You acknowledge and agree that you are responsible for maintaining the confidentiality of your password which, together with your username, allows you to access the Services. Your username and password, together with any mobile number or other information you provide to use during the account registration process form your “Registration Info.” By providing us with your email address, you consent to receive all required notices and information. Electronic communications may be posted on the Services site and/or delivered to your email address that we have on file for you. It is your responsibility to provide us with your complete, accurate contact information, or promptly update us in the event you change your information or ownership of your telephone number or other information changes. If we discover that any information provided in connection with your account is false or inaccurate, we may suspend or terminate your account at any time. Your consent to receive communications electronically is valid until you end your relationship with us.If you become aware of any unauthorized use of your Registration Info or Account Info for the Services, you agree to notify Wealth Stack immediately at the email address help@Wealth Stack.io.  If you believe that your Registration or Account Information or device that you use to access the Services has been lost or stolen, or that someone is using your account without your permission, you must notify us immediately so that we can take appropriate steps to respond.

Use of the Wealth Stack Services.  
Your right to access and use the Services is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use the Services for lawful purposes.  You must provide true, accurate, current and complete information about your accounts maintained at other websites. In order for the Services to function effectively, you must also keep your Registration Info and Account Info up to date and accurate. If you do not do this, the accuracy and effectiveness of the Services will be affected. You represent that you are a legal owner of, and that you are authorized to provide us with, all Registration Info and Account Info and other information necessary to facilitate your use of the Services.Your access and use of the Services may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of device operating environment or other equipment, periodic updating, maintenance or repair of the Services or other actions that we, in our sole discretion, may elect to take. In no event will we be liable to any party for any loss, cost, or damage that results from any scheduled or unscheduled downtime or use of a rooted or jailbroken mobile device.Your sole and exclusive remedy for any failure or non-performance of the Services, including any associated software or other materials supplied in connection with such services, will be for Wealth Stack to use commercially reasonable efforts to undertake an adjustment or repair of the applicable service.

Use with your Mobile Device; Alerts and Notifications.
Use of the Services may be available through a compatible mobile device, Internet and/or network access and may require software. You agree that you are solely responsible for these requirements, including any applicable changes, updates and fees as well as the terms of your agreement with your mobile device and telecommunications provider. Wealth Stack MAKES NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EXPRESS, STATUTORY OR IMPLIED AS TO: (i) THE AVAILABILITY OF TELECOMMUNICATION SERVICES FROM YOUR PROVIDER AND ACCESS TO THE SERVICES AT ANY TIME OR FROM ANY LOCATION; (ii) ANY LOSS, DAMAGE, OR OTHER SECURITY INTRUSION OF THE TELECOMMUNICATION SERVICES; (iii) ANY LOSS, DAMAGE, OR OTHER SECURITY INTRUSION FROM THE USE OF ROOTKIT MOBILE DEVICE OR YOUR DEVICE OPERATING ENVIRONMENT; AND (iv) ANY DISCLOSURE OF INFORMATION TO THIRD PARTIES OR FAILURE TO TRANSMIT ANY DATA, COMMUNICATIONS OR SETTINGS CONNECTED WITH THE SERVICES.We may from time to time provide automatic alerts and voluntary account-related alerts. Automatic alerts may be sent to you following certain changes to your account or information.  Additionally, voluntary account alerts may be turned on by default as part of the Services. They may then be customized, deactivated or reactivated by you. These alerts allow you to choose alert messages for your accounts. Wealth Stack may add new alerts from time to time, or cease to provide certain alerts at any time upon its sole discretion. Each alert has different options available, and you may be asked to select from among these options upon activation of your alerts service.You understand and agree that any alerts provided to you through the Services may be delayed or prevented by a variety of factors. We may make commercially reasonable efforts to provide alerts in a timely manner with accurate information, but cannot guarantee the delivery, timeliness, or accuracy of the content of any alert. Wealth Stack will not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance on an alert.Electronic alerts may be sent to the email address or mobile number you have provided for the Services. If your email address or your mobile number changes, you are responsible for informing us of that change. Alerts may also be sent to a mobile device that accepts text messages. Changes to your email address and mobile number will apply to all of your alerts.  Because alerts are not encrypted, we will never include your Account Info. However, alerts may include your username and some information about your accounts. At any time you may disable future alerts.

Wealth Stack Offers and Third-Party Links.  
The Services are expected to include sponsored links from advertisers or other third parties. The Services may display Wealth Stack Offers that may be custom matched to you based on information stored in the Services, queries made through the Services or other information. We may disclose when a particular Wealth Stack Offer is sponsored or otherwise provided by a third party.In connection with Wealth Stack Offers, the Services may provide links to other websites belonging to Wealth Stack advertisers and other third parties. Wealth Stack Offers are provided to you as a convenience. Wealth Stack does not recommend, endorse, warrant or guarantee the products or services available through the Wealth Stack Offers (or any other third-party products or services advertised on or linked from our site), whether or not sponsored. Wealth Stack is not an agent or broker or otherwise responsible for the activities or policies of those websites. Wealth Stack does not guarantee that any loan, investment, plan or other service terms, rates or rewards offered by any particular advertiser or other third party on the Services are actually the terms that may be offered to you if you pursue the offer or that they are the best terms or lowest rates available in the market. Information in the Wealth Stack Offers is provided by the third parties, and any offer is subject to the third parties’ review of your information. Wealth Stack expects to receive compensation from third parties which may impact the placement and availability of the Wealth Stack Offers.  If we receive compensation from a third-party directly as a result of your purchase of a product or service in connection with a Wealth Stack Offer, we will provide you with at least 10% of such compensation, which may be made available to you in a variety of means, as determined in our sole discretion (i.e., cash deposit into your account, fractional share of a security, etc.)If you elect to use or purchase products or services from third parties, you are subject to their terms and conditions and privacy policy.

License Grant; Use Restrictions.
If you elect to download the App, Wealth Stack grants you a personal, revocable, non-exclusive, non-transferable license (without a right to sublicense) to download, install and use a copy of the App on a single mobile device or computer that you own or control solely for your personal and professional use, subject at all times to this Agreement, including the following restrictions on use, any acceptable use provisions and our right to remove your User Content, Account Info, or Registration Info at our discretion at any time.During your access and use of the Services, you will not, nor will you enable or encourage any other third party to:  Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Services or any portion of the Services, without Wealth Stack’s express written consent, which may be withheld in Wealth Stack’s sole discretion;Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Services, other than the search engines and search agents available through the Services and other than generally available third-party web browsers (such as Google Chrome or Internet Explorer);Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, such as rootkits, keyloggers, bots or that otherwise interfere with the proper working of the Services;Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Services; orAttempt to gain unauthorized access to any portion of the Services.

User Content.  
The Services may allow you to post or upload written text, photos, audio or video files, or other data or information (collectively, “User Content”) on various message boards, community forums, blogs, or other publicly available locations on the Services.  If you post any User Content, you agree to the following rules: You are responsible for all User Content uploaded, posted or stored through your use of the Services.  By submitting User Content to us, you represent that you have all necessary rights and hereby grant us a perpetual, worldwide, perpetual, irrevocable, non-exclusive, royalty-free, sublicenseable and transferable license to use, reproduce, distribute, prepare derivative works of, modify, display, and perform all or any portion of the content in connection with Services and our business, including without limitation for promoting and redistributing part or all of the Service (and derivative works thereof) in any media formats and through any media channels. You also hereby grant each user a non-exclusive license to access your posted User Content through the Services, and to use, reproduce, distribute, prepare derivative works of, display and perform such content as permitted through the functionality of the Services and under these Terms.You agree not to use, nor permit any third party to use, the Services to (a) post or transmit any message which is libelous or defamatory, or which discloses private or personal matters concerning any person; (b) post or transmit any message, data, image or program that is indecent, obscene, pornographic, harassing, threatening, abusive, hateful, racially or ethnically offensive; that encourages conduct that would be considered a criminal offense, give rise to civil liability or violate any law; or that is otherwise inappropriate; (c) post or transmit any message, data, image or program that would violate the property rights of others, including unauthorized copyrighted text, images or programs, trade secrets or other confidential proprietary information, and trademarks or service marks used in an infringing fashion; or (d) interfere with other users’ use of the Services.To the extent that you engage in any activity, including the posting or transmission of any message, data, image or program, for which you may be, or be deemed, an “investment adviser” under applicable federal and state securities laws, you represent and warrant that you are duly qualified and registered, or exempt from registration, as an investment adviser under such securities laws. You further represent and warrant that your activities are in compliance with all applicable law, including applicable federal and state securities laws.  You understand that Wealth Stack may suspend or terminate your account without prior notice to you if Wealth Stack determines, in its sole discretion, that your activities are in violation of applicable law, including applicable federal and state securities laws.  You acknowledge and agree that Wealth Stack will cooperate with applicable authorities in connection with the Services, including without limitation providing to such authorities upon request postings, transmissions and other information attributable to you or otherwise in connection with your use of the Services.You acknowledge and agree that the posting or transmission of any message, data, image or program that in the sole discretion of Wealth Stack may be deemed investment advice related to any issuer that has a market capitalization of less than $3 billion is strictly prohibited.  Your failure to adhere to this prohibition, as determined by Wealth Stack in its sole discretion, is grounds for immediate suspension or termination of your account by Wealth Stack without prior notice to you.  You acknowledge and agree that you will not use the Services in any way for illegal or abusive practices, including, but not limited to, manipulating, or attempting to manipulate, any investment market or exchange.  You further understand and agree that you are familiar with applicable anti-fraud statutes and regulations and that you will not use the Services to make any material misstatement or omission regarding any security or issuer of securities.  Your failure to adhere to these prohibitions, as determined by Wealth Stack in its sole discretion, is grounds for immediate suspension or termination of your account by Wealth Stack without prior notice to you.  Except where expressly permitted, you may not post or transmit charity requests; petitions for signatures; franchises, distributorship, sales representative agency arrangements, or other business opportunities (including offers of employment or contracting arrangements); club memberships; chain letters; or letters relating to pyramid schemes. You may not post or transmit any advertising, promotional materials or any other solicitation of other users to use goods or services except in those areas (e.g., a classified bulletin board) that are designated for such purpose.You may not copy or use personal identifying or business contact information about other users without their permission. Unsolicited e-mails, mailings, telephone calls, or other communications to individuals or companies whose contact details you obtain through the Services are prohibited.Wealth Stack reserves the right to suspend or terminate your account without prior notice to you at any time for any reason, including, but not limited to, your violation of any term of the Agreement.  

Social Media Sites.  
As part of the Services, we may provide experiences on social media and other platforms such as Facebook®, Instagram®, Clubhouse®, Twitter® and LinkedIn® (collectively, the “Social Media Sites”) that enable online sharing and collaboration among users of the Social Media Sites. Any content you post, such as pictures, information, opinions, or any personal information that you make available to other participants on the Social Media Sites, is subject to the terms of service and privacy policies of those platforms. Please refer to those platforms to better understand your rights and obligations with regard to such content.

Disclaimer of Representations and Warranties.  

Acknowledgement Related to Financial Decisions.
You understand, acknowledge, and agree that Wealth Stack, through the Services or any interaction you have with representatives of Wealth Stack, provides no investment, tax, legal, or estate planning advice.  Although Wealth Stack may provide investment education tools that enable you to assess your own tolerance for risk, or otherwise assist to educate you with respect to financial transactions, Wealth Stack does not determine if the tools and resources made available through the Services will result in suitable investments designed to meet your particular investment or financial needs.  You understand and acknowledge that you are solely responsible for all investment decisions you make regarding the transactions made in your account.  Any investment decisions you make based on information obtained from the Services will be based solely on your own evaluation of your financial circumstances and investment objectives and the risk associated with the investment.  All investments contain risk, including the risk of complete loss of the investment. You further understand, acknowledge, and agree that Wealth Stack is not a registered broker-dealer, and any securities transactions that you initiate or that are initiated by any user of your account will be effected through an independent brokerage account at a broker-dealer selected by you.  You will bear any transaction fees associated with trades made for your account.  Any order entered using your password is yours and you are responsible for any outcome as a result of transactions that you initiate or that is initiated by any user of your account, including any brokerage fees and the possible loss of principal invested based on an investment decision you made. You understand the risks involved with transacting in the securities you maintain and that your investments will fluctuate in value, and you agree that Wealth Stack is not responsible for any losses you may incur as a result of your investment decisions and any trades made for your account.  All investments have risks, and you are responsible for determining whether you can afford the risks associated with any investment.I

Intellectual Property Rights.  
All aspects of the Services, including its content, “look and feel” (e.g., text, graphics, images, logos and button icons), photographs, editorial content, notices, software and other material are protected under both United States and other applicable copyright, trademark and other laws. The contents of the Services belong or are licensed to Wealth Stack or its software or content suppliers. Wealth Stack grants you the right to view and use the Services subject to these terms. You may download or print a copy of information for the Services for your personal, internal and non-commercial use only. Any distribution, reprint or electronic reproduction of any content from the Services in whole or in part for any other purpose is expressly prohibited without our prior written consent. You agree that we may use any content, feedback, suggestions, or ideas you post in any way, including in future modifications of the Services, other products or services, advertising or marketing materials. You grant us a perpetual, irrevocable, worldwide, fully transferable, sublicensable, fully paid-up, royalty free license to use the feedback, suggestions, or ideas you provide to us in any way.

Rights You Grant to Us.  
By submitting information, data, passwords, usernames, other log-in information, materials and other content to Wealth Stack through the Services, you are licensing that content to Wealth Stack for the purpose of providing the Services. Wealth Stack may use and store the content in accordance with this Agreement and the Wealth Stack Wealth Privacy Policy. You represent that you are entitled to submit the content to Wealth Stack for use for this purpose, without any obligation by Compound to pay any fees or be subject to any restrictions or limitations. By using the Services, you expressly authorize Wealth Stack to access your Account Info maintained by identified third parties, on your behalf as your agent, and you expressly authorize such third parties to disclose your information to us. You hereby authorize and permit Wealth Stack to use and store information submitted by you to provide you with the Services and to configure the Services so that it is compatible with the third party sites for which you submit your information. For purposes of this Agreement and solely to provide the Account Info to you as part of the Services, you grant Wealth Stack a limited power of attorney, and appoint Wealth Stack as your attorney-in-fact and agent, to access third party sites, retrieve and use your information with the full power and authority to do and perform each thing necessary in connection with such activities, as you could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN WEALTH STACK IS ACCESSING AND RETRIEVING ACCOUNT INFORMATION FROM THIRD PARTY SITES, WEALTH STACK IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY THAT OPERATES THE THIRD PARTY SITE. You understand and agree that the Services are not sponsored or endorsed by any third parties accessible through the Services. Wealth Stack is not responsible for any payment processing errors or fees or other Services-related issues, including those issues that may arise from inaccurate account information.

Miscellaneous Provisions.
Eligibility.  You must be at least 18 years of age to become a registered user of the Services. You represent and warrant that you are 18 years of age or older and are fully able and competent to enter into and abide by, the legally binding agreement created by these Terms.  The Services are for U.S. Permanent Residents and U.S. citizens residing in the U.S. only. You must be a legal Permanent Resident of the United States or a United States citizen residing in the United States in order to use the Services.Apple App Store Provision.  If you access or download the App through the Apple App Store, the following terms apply: You acknowledge and agree that (i) this Agreement is between you and Wealth Stack only, and not Apple, and (ii) Wealth Stack, not Apple, is solely responsible for the App and content thereof. Your use of the App must comply with the App Store Terms of Service.You acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the App.In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the App to you and to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App. As between Wealth Stack and Apple, any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be the sole responsibility of Wealth Stack.You and Wealth Stack acknowledge that, as between Wealth Stack and Apple, Apple is not responsible for addressing any claims you have or any claims of any third party relating to the App or your possession and use of the App, including, but not limited to: (i) product liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation.You and Wealth Stack acknowledge that, in the event of any third-party claim that the App or your possession and use of the App infringes that third party’s intellectual property rights, as between Wealth Stack and Apple, Wealth Stack, not Apple, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim to the extent required by the Agreement.You and Wealth Stack acknowledge and agree that Apple, and Apple’s subsidiaries, are third-party beneficiaries of this Agreement as related to your license of the App, and that, upon your acceptance of this Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce this Agreement as related to your license of the App against you.

Contact Information.
Should you have any questions about these Terms or the Services, you may contact us at help@wealthstack.us .