Privacy Policy

This Privacy Policy shall be effective for all customers on January 1, 2021.

We at Stack (defined below) respect and protect the privacy of visitors to our websites and our customers. This Privacy Policy describes our information handling practices when you access our services, which include our content on the websites located at Stack. world or any other websites, pages, features, or content we own or operate (collectively, the “Site(s)”) or when you use the Stack mobile app any Stack API or third-party applications relying on such an API, and related services (referred to collectively hereinafter as “Services”).

Please take a moment to read this Privacy Policy carefully. If you have any questions about this Policy, please submit your request via our Support Portal at support@stackatm.com

ACCEPTANCE OF THIS PRIVACY POLICY

By accessing and using our Services, you signify acceptance of the terms of this Privacy Policy. Where we require your consent to process your personal information, we will ask for your consent to the collection, use, and disclosure of your personal information as described further below. We may provide additional “just-in-time” disclosures or information about the data processing practices of specific Services. These notices may supplement or clarify our privacy practices or may provide you with additional choices about how we process your data.

If you do not agree with or you are not comfortable with any aspect of this Privacy Policy, you should immediately discontinue access or use of our Services.

CHANGES TO THIS PRIVACY POLICY

We may modify this Privacy Policy from time to time which will be indicated by changing the date at the top of this page. If we make any material changes, we will notify you by email (sent to the email address specified in your account), by means of a notice on our Services prior to the change becoming effective, or as otherwise required by law.

THE PERSONAL INFORMATION WE COLLECT

Personal information is data that identifies an individual or relates to an identifiable individual. This includes information you provide to us, information that is collected about you automatically, and information we obtain from third parties.

Information you provide to us

To establish an account and access our Services, we’ll ask you to provide us with some important information about you. This information is either required by law (e.g. to verify your identity), necessary to provide the requested services (e.g. you will need to provide your bank account number if you’d like to link that account to Stack), or is relevant for certain specified purposes, described in greater detail below. As we add new features and Services, you may be asked to provide additional information.

• Personal Identification Information: Full name, date of birth, nationality, gender, signature, utility bills, photographs, phone number, home address, and/or email.
• Formal Identification Information: Government-issued identity document such as Passport, Driver’s License, National Identity Card, State ID Card, Tax ID number, passport number, driver’s license details, national identity card details, visa information, and/or any other information deemed necessary to comply with our legal obligations under financial or anti-money laundering laws.
• Institutional Information: Employer Identification Number (or comparable number issued by a government), proof of legal formation (e.g. Articles of Incorporation), and personal identification information for all material beneficial owners.
• Financial Information: Bank account information, payment card primary account number (PAN), transaction history, trading data, and/or tax identification.
• Transaction Information: Information about the transactions you make on our Services, such as the name of the recipient, your name, the amount, and/or timestamp.
• Employment Information: Office location, job title, and/or description of the role.
• Correspondence: Survey responses, and information provided to our support team or user research team.

Information we collect from you automatically

We receive and store certain types of information automatically, such as whenever you interact with the Sites or use the Services. This information helps us address customer support issues, improve the performance of our Sites and applications, provide you with a streamlined and personalized experience, and protect your account from fraud by detecting unauthorized access. Information collected automatically includes:

• Online Identifiers: Geo location/tracking details, browser fingerprint, operating system, browser name and version, and/or personal IP addresses.
• Usage Data: Authentication data, security questions, click-stream data, public social networking posts, and other data collected via cookies and similar technologies. Please read our Cookie Policy for more information.

For example, we may automatically receive and record the following information on our server logs:

• How you came to and use the Services;
• Device type and unique device identification numbers;
• Device event information (such as crashes, system activity and hardware settings, browser type, browser language, the date and time of your request, and referral URL);
• How your device interacts with our Sites and Services, including pages accessed and links clicked;
• Broad geographic location (e.g. country or city-level location); and
• Other technical data is collected through cookies, pixel tags, and other similar technologies that uniquely identify your browser.

Information collected from third parties

• Public Databases, Credit Bureaus & ID Verification Partners: We obtain information about you from public databases and ID verification partners for purposes of verifying your identity in accordance with applicable law. ID verification partners like World-Check use a combination of government records and publicly available information about you to verify your identity. Such information may include your name, address, job role, public employment profile, credit history, status on any sanctions lists maintained by public authorities, and other relevant data. We obtain such information to comply with our legal obligations, such as anti-money laundering laws. In some cases, we may process additional data about you to ensure our Services are not used fraudulently or for other illicit activities. In such instances, processing is necessary for us to continue to perform our contractual obligations with you and others. World-Check’s Privacy Policy, available at https://www.refinitiv.com/en/products/world-check-kyc-screening/privacy-statement/, describes its collection and use of personal data.
• Blockchain Data: We may analyze public blockchain data to ensure parties utilizing our Services are not engaged in illegal or prohibited activity under our Terms, and to analyze transaction trends for research and development purposes.
• Joint Marketing Partners & Resellers: For example, unless prohibited by applicable law, joint marketing partners or resellers may share information about you with us so that we can better understand which of our Services may be of interest to you.
• Advertising Networks & Analytics Providers: We work with these providers to provide us with de-identified information about how you found our Sites and how you interact with the Sites and Services. This information may be collected prior to account creation – for more information on how you can manage the collection of this data, please see our Cookie Policy.
• By using Stack’s services you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer file, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third-party service provider, solely to verify your identity and prevent fraud for the duration of the business relationship.

ANONYMIZED AND AGGREGATED DATA

Anonymization is a data processing technique that removes or modifies personal information so that it cannot be associated with a specific individual. Except for this section, none of the other provisions of this Privacy Policy applies to anonymized or aggregated customer data (i.e. information about our customers that we combine together so that it no longer identifies or references an individual customer). Stack may use anonymized or aggregate customer data for any business purpose, including to better understand customer needs and behaviors, improve our products and services, conduct business intelligence and marketing, and detect security threats. We may perform our own analytics on anonymized data or enable analytics provided by third parties.

Types of data we may anonymize include, transaction data, click-stream data, performance metrics, and fraud indicators

1) To maintain legal and regulatory compliance
Most of our core Services are subject to laws and regulations requiring us to collect, use, and store your personal information in certain ways. For example, Stack must identify and verify customers using our Services in order to comply with anti-money laundering laws across jurisdictions. This includes the collection and storage of your photo identification. In addition, we use third parties to verify your identity by comparing the personal information you provide against third-party databases and public records. When you seek to link a bank account to your Stack Account, we may require you to provide additional information which we may use in collaboration with service providers acting on our behalf to verify your identity or address, and/or to manage risk as required under applicable law. If you do not provide the personal information required by law, we will have to close your account.

2) To enforce our terms in our user agreement and other agreements
Stack handles sensitive information, such as your identification and financial data, so it is very important for us and our customers that we actively monitor, investigate, prevent, and mitigate any potentially prohibited or illegal activities, enforce our agreements with third parties, and/or prevent and detect violations of our posted user agreement or agreements for other Services. In addition, we may need to collect fees based on your use of our Services. We collect information about your account usage and closely monitor your interactions with our Services. We may use any of your personal information collected for these purposes. The consequence of not processing your personal information for such purposes is the termination of your account.

4) To provide Stack’s Services
We process your personal information to provide the Services to you. For example, when you want to purchase cryptocurrencies on our platform, we require certain information such as your identification, contact information, and payment information. We cannot provide you with Services without such information.

5) To provide Service communications
We send administrative or account-related information to you to keep you updated about our Services, inform you of relevant security issues or updates, or provide other transaction-related information. Without such communications, you may not be aware of important developments relating to your account that may affect how you can use our Services. You may not opt out of receiving critical service communications, such as emails or mobile notifications sent for legal or security purposes.

5) To provide customer service
We process your personal information when you contact us to resolve any questions, or disputes, collect fees, or troubleshoot problems. Without processing your personal information for such purposes, we cannot respond to your requests and ensure your uninterrupted use of the Services.

7) To ensure quality control
We process your personal information for quality control and staff training to make sure we continue to provide you with accurate information. If we do not process personal information for quality control purposes, you may experience issues on the Services such as inaccurate transaction records or other interruptions.

9) For research and development purposes
We process your personal information to better understand the way you use and interact with Stack’s Services. In addition, we use such information to customize, measure, and improve Stack’s Services and the content and layout of our website and applications, and to develop new services. Without such processing, we cannot ensure your continued enjoyment of our Services.

10) To enhance your experience
We process your personal information to provide a personalized experience and implement the preferences you request. For example, you may choose to provide us with access to certain personal information stored by third parties. Without such processing, we may not be able to ensure your continued enjoyment of part or all of our Services.

11) To facilitate corporate acquisitions, mergers, or transactions
We may process any information regarding your account and use of our Services as is necessary in the context of corporate acquisitions, mergers, or other corporate transactions. You have the option of closing your account if you do not wish to have your personal information processed for such purposes.

12) To facilitate corporate acquisitions, mergers, or transactions
Based on your communication preferences, we may send you marketing communications (e.g. emails or mobile notifications) to inform you about our events or our partner events; to deliver targeted marketing; and to provide you with promotional offers. Our marketing will be conducted in accordance with your advertising marketing preferences and as permitted by applicable law.

Sources of Personal Information
Purpose of Collecting Personal Information
Disclosure of Personal Information (see “Why We Share Personal Information With Other Parties” heading below for more information)

(A) Identifiers such as Personal Identification Information
Information you provide us; Information collected from third parties
Sections 1, 2, 3, 4, 5, 6, 8, 9, 11, 12

• Third-party identity verification services
• Financial institutions
• Service providers
• Professional advisors

(B) Customer records such as signature
Information you provide us; Information collected from third parties
Sections 1, 2, 5, 6, 11

• Third-party identity verification services
• Financial institutions
• Service providers

(C) Protected classifications under California and federal law, including gender, age and citizenship
Information you provide us; Information collected from third parties
Section 1

• Third-party identity verification services
• Professional advisors

(D) Commercial information such as records of services purchased, obtained, or considered

Information you provide us; Information we collect from you automatically; Information collected from third parties

• Third-party identity verification services
• Financial institutions
• Service providers
• Professional advisors

(E) Biometric information

Information you provide us

Section 1

(H) Sensory data, such as audio, electronic, and visual information

Not collected

Not applicable

Not applicable

(I) Professional or employment-related information

Information you provide us; Information collected from third parties

Sections 1, 12

• Third-party identity verification services
• Service providers

(J) Inferences about preferences, characteristics, predispositions, etc.

Information you provide us; Information we collect from you automatically

Sections 9, 10, 12

• Service providers
• Professional advisors

We will not use your personal information for purposes other than those purposes we have disclosed to you, without your permission. From time to time, and as required under the applicable law, we may request your permission to allow us to share your personal information with third parties. You may opt out of having your personal information shared with third parties or allowing us to use your personal information for any purpose that is incompatible with the purposes for which we originally collected it or subsequently obtained your authorization. If you choose to so limit the use of your personal information, certain features or Stack Services may not be available to you.

EEA Data Subjects

Legal Bases for Processing Your Information

For individuals who are located in the European Economic Area, United Kingdom, or Switzerland (collectively “EEA Residents”) at the time their personal data is collected, we rely on legal bases for processing your information under Article 6 of the EU General Data Protection Regulation (“GDPR”). We generally only process your data where we are legally required to, where processing is necessary to perform any contracts we entered with you (or to take steps at your request prior to entering into a contract with you), for our legitimate interests to operate our business or to protect Stack’s or your, property, rights, or safety, or where we have obtained your consent to do so. Below is a list of the purposes described in our policy with the corresponding legal bases for processing.

Legal Bases for Processing

(2) To enforce our terms in our user agreement and other agreements
(4) To provide Stack’s Services
(5) To provide Service communications
(6) To provide customer service
(7) To ensure quality control

Based on our contract with you or to take steps at your request prior to entering into a contract.

(9) For research and development purposes
(10) To enhance your experience
(11) To facilitate corporate acquisitions, mergers, or transactions
(12) To engage in direct marketing activities

Based on our legitimate interests. When we process your personal data for our legitimate interests we always ensure that we consider and balance any potential impact on you and your rights under data protection laws.

Based on our legal obligations. obligations, the public interest, or in your vital interests.

(10) To enhance your experience
(12) To engage in third-party marketing activities
(13) For any purpose

Based on your consent.

Marketing

Direct Marketing: Direct marketing includes any communications to you that are only based on advertising or promoting our products and services. We will only contact you by electronic means (Email) based on our legitimate interests, as permitted by applicable law, or your consent. To the extent we can rely on legitimate interest under the applicable law, we will only send you information about our Services that are similar to those which were the subject of a previous sale or negotiations of a sale to you. If you are a new customer, we will contact you by electronic means for marketing purposes only if you have consented to such communication. If you do not want us to send you marketing communications, please go to your account settings to opt out or submit a request via our Support Portal. You may raise such objection with regard to initial or further processing for purposes of direct marketing, at any time and free of charge. Direct marketing includes any communications to you that are only based on advertising or promoting our products and services.

Third-Party Marketing: We will obtain your express consent before we share your personal information with any third parties for marketing purposes.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Why We Share Personal Information With Other Parties

We take care to allow your personal information to be accessed only by those who require access to perform their tasks and duties, and to share only with third parties who have a legitimate purpose for accessing it. Stack will never sell or rent your personal information to third parties without your explicit consent. We will only share your information in the following circumstances:

• With third-party identity verification services in order to prevent fraud. This allows Stack to confirm your identity by comparing the information you provide us to public records and other third-party databases. These service providers may create derivative data based on your personal information that can be used solely in connection with the provision of identity verification and fraud prevention services. For example:

• We may use 3rd party identity verification services to verify your identity by determining whether a selfie you take matches the photo in your government-issued identity document. The information collected from your photo may include biometric data.
• If you are based in the US, Stack may use MX Technologies Inc. (“MX”) to verify your bank account and confirm your bank account balance prior to approving a transaction. Information shared with MX is treated by MX in accordance with its Privacy Policy, available at https://www.mx.com/privacy-policy/.

• With financial institutions with which we partner to process payments, you have authorized.
• With service providers under contract who help with parts of our business operations. Our contracts require these service providers to only use your information in connection with the services they perform for us, and prohibit them from selling your information to anyone else. Examples of the types of service providers we may share personal information with (other than those mentioned above) include:

• Network Infrastructure
• Cloud storage
• Payment processing
• Transaction monitoring
• Security
• Document repository services
• Customer support
• Internet (e.g. ISPs)
• Data Analytics
• Information Technology
• Marketing

• With companies or other entities that we plan to merge with or be acquired by. You will receive prior notice of any change in applicable policies.
• With companies or other entities that purchase Stack assets pursuant to a court-approved sale or where we are required to share your information pursuant to insolvency law in any applicable jurisdiction.
• Our professional advisors provide banking, legal, compliance, insurance, accounting, or other consulting services in order to complete third-party financial, technical, compliance, and legal audits of our operations or otherwise comply with our legal obligations.
• With law enforcement, officials, or other third parties when we are compelled to do so by a subpoena, court order, or similar legal procedure, or when we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement or any other applicable policies.

If you establish a Stack Account indirectly on a third-party website or via a third-party application, any information that you enter on that website or application (and not directly on an Stack website) will be shared with the owner of the third-party website or application and your information will be subject to their privacy policies.

Third-Party Sites And Services

If you authorize one or more third-party applications to access your Stack Services, then the information you have provided to Stack may be shared with those third parties. A connection you authorize or enable between your Stack account and a non-Stack account, payment instrument, or platform is considered an “account connection.” Unless you provide further authorization, these third parties are not allowed to use this information for any purpose other than to facilitate your transactions using Stack Services. Please note that third parties you interact with may have their own privacy policies, and Stack is not responsible for their operations. Information collected by third parties, which may include such things as contact details or location data, is governed by their privacy practices. We encourage you to learn about the privacy practices of those third parties.

Examples of account connections include:

• Merchants: If you use your Stack account to conduct a transaction with a third-party merchant, the merchant may provide data about you and your transaction to us.
• Your Financial Services Providers: For example, if you send us funds from your bank account, your bank will provide us with identifying information in addition to information about your account in order to complete the transaction.

Information that we share with a third party based on an account connection will be used and disclosed in accordance with the third party’s privacy practices. Please review the privacy notice of any third party that will gain access to your personal information.

California Privacy Rights

If you are a resident of the State of California, under the California Consumer Privacy Act (CCPA), you have the right to request information on how to exercise your disclosure choice options from companies conducting business in California. Specifically:

Exercising the right to know. You may request, up to twice in a 12-month period, the following information about the personal information we have collected about you during the past 12 months:

• the categories and specific pieces of personal information we have collected about you;
• the categories of sources from which we collected the personal information;
• the business or commercial purpose for which we collected the personal information;
• the categories of third parties with whom we shared the personal information; and
• the categories of personal information about you that we disclosed for a business purpose, and the categories of third parties to whom we disclosed that information for a business purpose.
• Exercising the right to delete. You may request that we delete the personal information we have collected from you, subject to certain limitations under applicable law.
• Exercising the right to opt-out from a sale. You may request to opt out of any “sale” of your personal information that may take place.
• Non-discrimination. The CCPA provides that you may not be discriminated against for exercising these rights.

To submit a request to exercise any of the rights described above, you may contact Stack either via email at support@stackatm.com or contact us via postal mail, proper postage prepaid, at:

Kalbas, Inc, Attn: Your California Privacy Rights
12 Route 50 Suite 505, Seaville NJ 08230, United States

Please indicate your preference as to how you would like us to respond to your request (i.e., email or postal mail).

All requests sent via postal mail must be labeled “Your California Privacy Rights” on the envelope or postcard and clearly stated on the actual request. For all requests, please include your name, street address (if you would like a response via postal mail), city, state, and zip code. We may need to verify your identity before responding to your request, such as verifying that the email address or contact information from which you send the request matches the email address or contact information that we have on file. Authentication based on a government-issued and valid identification document may be required. We will not accept requests via telephone or fax. We are not responsible for notices that are not labeled or sent properly or do not have complete information.

How We Protect And Store Personal Information

We understand how important your privacy is, which is why Stack maintains (and contractually requires third parties it shares your information with to maintain) appropriate physical, technical, and administrative safeguards to protect the security and confidentiality of the personal information you entrust to us. We may store and process all or part of your personal and transactional information, including certain payment information, such as your encrypted bank account and/or routing numbers, in the US and elsewhere in the world where our facilities or our service providers are located. We protect your personal information by maintaining physical, electronic, and procedural safeguards in compliance with the applicable laws and regulations.

For example, we use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities. Full credit card data is securely transferred and hosted off-site by payment vendors like Worldpay, (UK) Limited, Worldpay Limited, or Worldpay AP Limited (collectively “Worldpay”) in compliance with Payment Card Industry Data Security Standards (PCI DSS). This information is not accessible to Stack or Stack staff. However, we cannot guarantee that loss, misuse, unauthorized acquisition, or alteration of your data will not occur. Please recognize that you play a vital role in protecting your own personal information. When registering with our Services, it is important to choose a password of sufficient length and complexity, to not reveal this password to any third parties, and to immediately notify us if you become aware of any unauthorized access to or use of your account.

Furthermore, we cannot ensure or warrant the security or confidentiality of the information you transmit to us or receive from us by Internet or wireless connection, including email, phone, or SMS, since we have no way of protecting that information once it leaves and until it reaches us. If you have reason to believe that your data is no longer secure, please contact us using the contact information provided in this Privacy Policy.

Retention Of Personal Information

We store your personal information securely throughout the life of your Stack Account. We will only retain your personal information for as long as necessary to fulfill the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting obligations or resolving disputes. While retention requirements vary by jurisdiction, information about our typical retention periods for different aspects of your personal information is described below.

• Personal information collected to comply with our legal obligations under financial or anti-money laundering laws may be retained after account closure for as long as required under such laws.
• Contact Information such as your name, email address, and telephone number for marketing purposes is retained on an ongoing basis until you unsubscribe. Thereafter we will add your details to our suppression list to ensure we do not inadvertently market to you.
• Content that you post on our website such as support desk comments, photographs, videos, blog posts, and other content may be kept after you close your account for audit and crime prevention purposes (e.g. to prevent a known fraudulent actor from opening a new account).
• Recording of our telephone calls with you may be kept for a period of up to six years.
• Information collected via technical means such as cookies, webpage counters, and other analytics tools is kept for a period of up to one year from the expiry of the cookie.

Children's Personal Information

We do not knowingly request to collect personal information from any person under the age of 18. If a user submitting personal information is suspected of being younger than 18 years of age, Stack will require the user to close his or her account and will not allow the user to continue using our Services. We will also take steps to delete the information as soon as possible. Please notify us if you know of any individuals under the age of 18 using our Services so we can take action to prevent access to our Services.

Your Privacy Rights

Depending on the applicable law where you reside, you may be able to assert certain rights related to your personal information identified below. If any of the rights listed below are not provided under law for your operating entity or jurisdiction, Stack has absolute discretion in providing you with those rights. Your rights to personal information are not absolute. Depending upon the applicable law, access may be denied: (a) when denial of access is required or authorized by law; (b) when granting access would have a negative impact on another’s privacy; (c) to protect our rights and properties; (d) where the request is frivolous or vexatious, or for other reasons.

• Access and portability. You may request that we provide you with a copy of your personal information held by us. This information will be provided without undue delay subject to a potential fee associated with the gathering of the information (as permitted by law) unless such provision adversely affects the rights and freedoms of others. In certain circumstances, you may request to receive your personal information in a structured, commonly used, and machine-readable format, and to have us transfer your personal information directly to another data controller.
• Rectification of incomplete or inaccurate personal information. You may request us to rectify or update any of your personal information held by Stack that is inaccurate. You may do this at any time by logging in to your account and clicking the Profile or My Account tab.
• Erasure. You may request to erase your personal information, subject to applicable law. If you close your Stack Account, we will mark your account in our database as “Closed,” but will keep certain account information, including your request to erase, in our database for a period of time as described above. This is necessary to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their account and opening a new account, and complying with Stack’s legal obligations. However, if you close your account, your personal information will not be used by us for any further purposes, nor shared with third parties, except as necessary to prevent fraud and assist law enforcement, as required by law, or in accordance with this Privacy Policy.
• Withdraw consent. To the extent the processing of your personal information is based on your consent, you may withdraw your consent at any time. Your withdrawal will not affect the lawfulness of Stack’s processing based on consent before your withdrawal.
• Restriction of processing. In some jurisdictions, applicable law may give you the right to restrict or object to us processing your personal information under certain circumstances. We may continue to process your personal information if it is necessary for the defense of legal claims, or for any other exceptions permitted by applicable law.
• Automated individual decision-making, including profiling. Stack relies on automated tools to help determine whether a transaction or a customer account presents a fraud or legal risk. In some jurisdictions, you have the right not to be subject to a decision based solely on the automated processing of your personal information, including profiling, which produces legal or similarly significant effects on you, save for the exceptions applicable under relevant data protection laws.

How To Make A Privacy Request

You can make privacy rights requests relating to your personal information by going to your User Account or, if you cannot access the Dashboard, by contacting us via our Support Portal. Our Dashboard also allows you to set your communication preferences and make individual rights requests relating to your personal information. We strongly encourage you to make any individual rights requests through the Privacy Rights Dashboard because it ensures that you have been authenticated already (based on the KYC information you have provided to open your account and by providing the necessary login credentials and multi-factor authentication to access the account). Otherwise, when we receive an individual rights request via other intake methods, we may take steps to verify your identity before complying with the request to protect your privacy and security.

How To Lodge A Complaint

If you believe that we have infringed your rights, we encourage you to first submit a request via our Support Portal so that we can try to resolve the issue or dispute informally. If that does not resolve your issue, you may contact the Stack Data Protection Officer at support@stackatm.com Should Stack engage in any of the activities listed in this section, your ability to exercise these rights will be made available to you in your account settings. You can exercise your rights by going to your Privacy Rights Dashboard or contacting us via our Support Portal so that we may consider your request. If you are a California resident, you may designate an authorized agent to make a request to access or a request to delete on your behalf. We will respond to your authorized agent’s request if they submit proof that they are registered with the California Secretary of State to be able to act on your behalf or submit evidence you have provided them with power of attorney pursuant to the California Probate Code section 4000 to 4465. We may deny requests from authorized agents who do not submit proof that they have been authorized by you to act on their behalf, or are unable to verify their identity.

Communication

Stack, also known as 'Kalbas Inc offers SMS communication services to provide you with important updates and information about your account and our services. Message frequency may vary depending on your account activity. Message and data rates may apply. To stop receiving messages, reply STOP. For help, text HELP to [844-777-7282]. Carriers are not liable for any delays or undelivered messages.

Active 10DLC Campaigns:

Account Alerts: Receive notifications about account balance updates and transactions. Customer Support: Connect with our support team for assistance with your inquiries.

Message Frequency Expectation: The frequency of messages you will receive may vary based on your account activity. You may receive account alerts as needed, promotional messages occasionally, and customer support responses as per your requests.

Pricing Disclosure: Message and data rates may apply depending on your mobile carrier's plan and your individual messaging plan. Check with your carrier for details regarding any associated costs.

Description of the Stop and Help Mechanisms: To stop receiving messages from Stack, reply STOP to any message you receive from us. For assistance, text HELP to 844-777-7282, and our support team will provide you with the help you need.

Carrier Disclaimer: Carriers are not liable for any delays or undelivered messages. Please note that message delivery may be subject to your carrier's network and other factors beyond our control.

If you are a California resident, you may designate an authorized agent to make a request to access or a request to delete on your behalf. We will respond to your authorized agent’s request if they submit proof that they are registered with the California Secretary of State to be able to act on your behalf or submit evidence you have provided them with power of attorney pursuant to the California Probate Code section 4000 to 4465. We may deny requests from authorized agents who do not submit proof that they have been authorized by you to act on their behalf, or are unable to verify their identity.

How To Contact Us

If you have questions or concerns regarding this Privacy Policy, or if you have a complaint, please contact us on our Support page, at support@stackatm.com, or by writing to us at the address of your operating entity (provided above).