Stashly

Legal

Terms of Use

Last updated: August 2026

1. These Terms

Stashly ("the app") is published by BTech Birmingham ("we", "us"). These terms are the agreement between you and us about your use of the app. By downloading or using Stashly you accept them. If you do not accept them, please do not use the app.

How we handle data is described separately in our Privacy Policy, which forms part of these terms. The short version is that your financial records never leave your device unless you deliberately send them somewhere.

2. Your Licence

We grant you a personal, non-exclusive, non-transferable licence to use Stashly on devices you own or control, in line with the rules of the store you obtained it from. You own your data; we own the app.

  • What you may do: Install and use the app, on as many of your own devices as your App Store or Google Play account allows, for personal and household purposes.
  • What you may not do: Resell, rent or sublicense the app; remove or obscure any notice in it; work around the licence checks or the security features; or use it for anything unlawful.
  • Reverse engineering: Not permitted, except to the extent that applicable law expressly allows it despite this restriction.

3. No Account, No Server — and What Follows From It

Stashly has no user accounts and we operate no servers holding your records. That is the point of the product, and it has one consequence you must understand before you rely on the app:

  • We cannot recover anything for you. There is no copy of your data anywhere but your device, so we cannot restore it, reset it, or read it. This is not a limitation we can lift on request.
  • Backup passwords cannot be recovered. An exported backup is encrypted with a password only you know. If you lose it, the file cannot be opened by anyone, including us.
  • Keeping backups is your responsibility. Use the app's own encrypted export, and keep the file and its password somewhere you will still have them if the device is lost, replaced or reset.
  • Platform backups are deliberately excluded. On Android, Stashly is excluded from Google Auto Backup and device-to-device transfer, because the restored data would arrive without the hardware-held key that decrypts it. The app's own export is the supported way to move to a new device.

4. Stashly Is Not Financial Advice

Stashly is a record-keeping and visualisation tool. It is not a financial adviser, and nothing in it is advice or a recommendation. We are not authorised or regulated to provide financial, investment, tax or legal advice.

  • The numbers are yours. Balances, unit prices and valuations are the ones you enter. The app arranges and totals them; it does not verify them and cannot know whether they are right.
  • Forecasts and scenarios are arithmetic, not predictions. Where the app projects forward, it extends figures and rates you supply. It does not suggest a growth rate, forecast markets, or estimate what your holdings will be worth.
  • Exchange rates are reference rates. They are published European Central Bank rates, which will differ from the rate any bank or broker actually gives you.
  • Decisions are yours. Do not treat anything the app displays as a reason to buy, sell, borrow or hold. Seek professional advice where you need it.

5. Subscriptions

Stashly is free to use as a complete tracker. Some features are grouped into paid plans (Pro and Ultimate), offered as monthly or yearly auto-renewing subscriptions and sold through the App Store or Google Play — never by us directly.

  • Price: Shown in the app in your own currency, and confirmed by the store, before anything is charged.
  • Payment: Charged to your App Store or Google Play account at confirmation of purchase.
  • Auto-renewal: A subscription renews automatically for the same period unless you turn off auto-renew at least 24 hours before the current period ends. Your account is charged for renewal within 24 hours of the end of the current period.
  • Managing and cancelling: In your App Store or Google Play account settings — the app links you there. Deleting the app does not cancel a subscription.
  • Introductory and trial offers: Where offered, the terms are shown by the store before you commit. An unused part of a free trial is forfeited when you buy a subscription. If you do not cancel before a trial ends, it becomes a paid subscription.
  • Changes: We may change plan contents or pricing for future periods. A price change is notified by the store and takes effect only if you accept it.

6. Refunds

Purchases are processed by Apple and Google, and refunds are handled under their policies — we cannot issue, reverse or see a payment. Apple: reportaproblem.apple.com. Google: through Google Play. Where you have a statutory right of withdrawal or a consumer-law remedy, this section does not affect it.

7. What Happens When a Subscription Ends

A lapsed or cancelled subscription withdraws paid capabilities. It never withdraws a protection, and it never touches your data.

  • Your records stay. Nothing is deleted, hidden or downgraded. Everything you entered remains on the device, and the app remains a complete free tracker.
  • Your protections stay on. Encryption, app lock, your PIN and hidden balances keep working. If you had hidden your balances, they stay hidden — and you can always turn a protection off, whatever your plan.
  • You can still export. The encrypted backup export is not behind a plan, so your data is never held hostage to a payment.
  • You can still remove a paired partner and the data they sent you, whether or not you have a subscription.
  • Paid features become locked, not invisible. They stay visible and say they are locked, so you can see what resuming would restore.

8. Household Sharing

If you pair with a partner, the two devices exchange a summary directly with each other, over a QR code or Bluetooth, with no server in between.

  • Each device needs its own Ultimate subscription. Pairing is a way for two devices to exchange data, not a way to share one subscription between two people.
  • What you send, you cannot unsend. Once your summary is on your partner's device it is governed by their settings. Unpairing removes their data from your device and yours from theirs, but it cannot reach into a copy they have already exported or backed up.
  • Pair only with people you trust with the figures you are sharing.

9. Availability and Changes to the App

Because Stashly runs entirely on your device, it keeps working without us. We may still change, add or remove features in future versions, and we may stop publishing updates. We do not promise that the app will be error-free, or that a particular feature will exist forever.

Some features depend on things outside our control — your device's biometric hardware, notification permissions, Bluetooth, or the public exchange-rate service. Where one of these is unavailable, the affected feature may not work.

10. Intellectual Property

The app, its name, logo, design and code are owned by us or our licensors and are protected by copyright and trade mark law. These terms give you a licence to use the app, not any ownership of it. Your financial data is yours — we claim no rights over anything you enter or export.

11. Warranties and Liability

Except as stated in these terms, and to the extent permitted by law, the app is provided "as is" without warranties of any kind. In particular, we do not warrant that the figures the app produces are suitable for any decision you make with them.

Nothing in these terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be limited. If you are a consumer, your statutory rights are not affected by anything here, and these terms are subject to them.

Subject to that, we are not liable for loss of data, loss of profit, or indirect or consequential loss; and our total liability arising out of your use of the app is limited to the amount you paid us, through the stores, for it in the twelve months before the claim arose.

12. Ending These Terms

You may end this agreement at any time by deleting the app — which also deletes the data stored on that device, so export first if you want to keep it. We may end it if you materially breach these terms. Sections that by their nature should survive (intellectual property, liability, governing law) continue to apply.

13. Additional Terms for the Apple App Store

If you obtained Stashly from the App Store, the following apply and prevail over anything inconsistent above:

  • This agreement is between you and us only, not with Apple. Apple is not responsible for the app or its contents.
  • Your licence is limited to using Stashly on Apple-branded products you own or control, as permitted by the App Store Terms of Service.
  • Apple has no obligation to provide maintenance or support for the app.
  • If the app fails to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price. To the maximum extent permitted by law, Apple has no other warranty obligation with respect to the app.
  • We, not Apple, are responsible for addressing any claim relating to the app, including product liability claims, any claim that it fails to conform to a legal requirement, and claims under consumer protection or similar legislation.
  • We, not Apple, are responsible for the investigation, defence, settlement and discharge of any third-party claim that the app infringes intellectual property rights.
  • You confirm that you are not located in a country subject to a US Government embargo or designated as "terrorist supporting", and are not on any US Government list of prohibited or restricted parties.
  • Apple and its subsidiaries are third-party beneficiaries of these terms and, upon your acceptance, will have the right to enforce them against you.

14. Additional Terms for Google Play

If you obtained Stashly from Google Play, the Google Play Terms of Service also apply to your download and any purchase. Google is not a party to this agreement and is not responsible for the app.

15. Changes to These Terms

We may update these terms — for example when a feature changes what the app does. We will update this page and the "Last updated" date above, and material changes will also be noted in the app's release notes. Continuing to use the app after a change means you accept the updated terms.

16. Governing Law

These terms are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction. If you are a consumer resident elsewhere, you keep the benefit of any mandatory protections of your own country's law, and may bring proceedings there.

17. Contact Us

If you have any questions about these terms, please contact us at: btech.birmingham@gmail.com