Terms & Conditions

1. Who Can Use StackleVest

StackleVest is available to individuals who are 18 years of age or older and are residents of Nigeria. By using our app, you confirm that you meet these requirements.

2. Your Account

You are responsible for maintaining the confidentiality of your login credentials. You agree to notify us immediately at info@stacklevest.com if you suspect unauthorised access to your account. StackleVest is not liable for any loss resulting from unauthorised use of your account.

3. Free and Pro Plans

StackleVest offers a free tier with access to core features, and a Pro plan with advanced features. The features available on each plan may change over time. We will notify you of any changes to paid plan pricing with reasonable notice.

4. Accounts, Payments and Cards

StackleVest is not a bank. StackleVest accounts, transfers and bill payments are provided by Safe Haven Microfinance Bank, licensed by the Central Bank of Nigeria. Cards are issued through Sudo. Bank accounts you link from other banks are read-only: StackleVest can see those transactions but cannot move money out of them.

• Transaction limits depend on the KYC tier your account has reached. Completing a higher tier raises your limits.
• Card terms are provided by the card issuer and apply in addition to these Terms.
• You must keep your PIN private. Do not share it with anyone, including anyone claiming to be from StackleVest.

5. Linked Bank Accounts

You can link bank accounts you hold at other banks. By linking an account, you authorise StackleVest to retrieve its transaction data in read-only mode for expense tracking and spending insights.

• Linked accounts are read-only. StackleVest can see those transactions but cannot move money out of them.
• You can unlink an account at any time from your settings.
• We do not store your banking credentials.

6. Acceptable Use

You agree not to:

• Use StackleVest for any unlawful purpose.
• Attempt to gain unauthorised access to any part of the platform.
• Reverse engineer, copy, or distribute any part of the app.
• Use automated tools or bots to interact with the platform.
• Submit false information or impersonate another person.

7. Intellectual Property

All content on StackleVest including the brand name, logo, design, and educational content is the intellectual property of StackleVest. You may not reproduce or distribute any content without our written permission.

8. Disclaimer

StackleVest provides financial education and expense tracking tools for informational purposes only. We are not a licensed financial advisor, bank, or investment platform. Nothing on StackleVest should be considered professional financial advice. Always consult a qualified financial professional before making major financial decisions.

9. Limitation of Liability

To the fullest extent permitted by Nigerian law, StackleVest is not liable for any indirect, incidental, or consequential damages arising from your use of the platform, including but not limited to loss of data, financial loss, or service interruptions.

10. Termination

We reserve the right to suspend or terminate your account at any time if you violate these Terms. You may also delete your account at any time by contacting info@stacklevest.com.

11. Changes to These Terms

We may update these Terms from time to time. We will notify you of significant changes. Continued use of StackleVest after changes take effect constitutes your acceptance of the revised Terms.

12. Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria. Any disputes arising from these Terms shall be subject to the jurisdiction of Nigerian courts.