Last updated: June 29, 2026
Stow Money is operated by Drewprint Studios LLC. By using Stow Money, you agree to these Terms.
Stow Money uses AI to generate planning guidance. See the [AI Use Disclosure](/legal/ai-use-disclosure) for details on how AI is used, its limitations, and what data it processes.
1. Important financial disclaimer
Stow Money is a software product, not a human financial professional.
Stow Money is not:
- a registered investment adviser
- a broker-dealer
- a bank
- a lender
- a fiduciary
- a law firm
- an accounting firm
- a licensed financial planner, tax adviser, or attorney
Stow Money provides software-generated guidance, planning suggestions, and organizational tools. It does not provide personalized professional financial, investment, legal, or tax advice.
No fiduciary, advisory, brokerage, agency, attorney-client, accountant-client, or similar professional relationship is created by your use of Stow Money.
You remain responsible for:
- deciding whether to follow any recommendation
- verifying balances, rates, due dates, and payment details
- maintaining required minimums and autopay settings
- checking account availability before moving money
- consulting qualified professionals when needed
If you follow a recommendation, you do so at your own direction and risk.
2. No guarantee of outcomes
Stow Money does not guarantee:
- savings amounts
- debt payoff timelines
- tax outcomes
- investment outcomes
- accuracy of inferred data
- uninterrupted availability of the service
Forecasts, timelines, and recommendations are estimates based on available data and may be incomplete or wrong.
Stow Money may rely on third-party data providers and user-supplied information. If those inputs are delayed, incomplete, inferred incorrectly, or inaccurate, Stow Money’s output may also be delayed, incomplete, inferred incorrectly, or inaccurate.
3. Data accuracy and your responsibility to verify
Stow Money is a planning tool, not a system of record for your accounts. The figures it shows you — including balances, "safe to spend" amounts, available cash, due dates, interest rates, and projected payoff dates — are built from data that may be delayed, incomplete, estimated, or inferred. Before you spend, make a payment, or move money based on anything Stow Money shows you, verify your actual balance, available funds, and obligations directly with your bank or lender.
Specifically:
- **Pending transactions are not shown.** Stow Money receives settled (posted) transactions from your bank through a third-party data provider. Authorized charges that have not yet posted — such as debit-card holds, gas-station pre-authorizations, and contactless payments — are not in that data and will not appear even immediately after a sync. Your balance and safe-to-spend figures do not include them.
- **Data can be stale.** Account data comes from Plaid and typically syncs within a few hours, but delays can be longer. If a connection expires or needs re-authentication, your data stops updating entirely until you reconnect, and Stow Money will keep showing the last synced figures — which may be days or more out of date.
- **Estimated balances drift.** Debt balances that are not directly reported by a connected lender — including inferred and manually entered balances — are software projections from a historical starting point, not figures from your lender. They drift as interest accrues, rates change, fees are applied, or payment timing varies. Reaching a projected "paid off" date does not mean your lender agrees the debt is settled; verify with your lender before making a final payment.
- **Interest rates may be wrong.** Rates used in payoff projections may come from your lender, be inferred by software, or be set from a product-type default, and may not match your current contractual APR — especially for variable-rate or post-promotional accounts. Because Stow Money uses APR to rank debts and estimate timelines, a wrong rate can change both what Stow Money recommends paying first and how long payoff is projected to take.
- **Projections assume things stay the same.** Payoff and goal timelines — including figures shown as "months sooner" or an "estimated debt-free date" — assume your income continues at its observed level, that interest rates hold, that you keep applying freed-up cash to your balances, and that you take on no new debt. A job loss, reduced hours, a rate change, a missed contribution, or new borrowing will move those dates, potentially by years. Stow Money does not track these changes in real time; monitoring them is your responsibility.
Stow Money does not move money and does not control when your bank posts transactions. It is not responsible for overdraft, non-sufficient-funds (NSF), returned-payment, or late-payment fees, for missed, late, or reduced payments, for penalty interest or lost promotional rates, for negative credit reporting, a lower credit score, default, or collections, or for any other consequence of acting on data or recommendations that turn out to be delayed, incomplete, estimated, or incorrect.
4. Recommendation-only product
Unless and until Stow Money explicitly offers a separate automated execution feature, Stow Money will operate as a recommendation and planning product only.
If the product shows payment or allocation suggestions, that does not mean Stow Money has executed those actions for you.
If Stow Money later offers automation or assisted execution features, those features will be subject to additional authorizations, terms, disclosures, operational safeguards, and eligibility requirements.
5. User responsibilities
You agree to:
- provide accurate information where you manually enter data
- review recommendations before acting on them
- keep external account credentials secure
- avoid using the product for illegal, deceptive, or fraudulent activity
You must continue making your ordinary required payments, minimum payments, and autopay obligations unless you intentionally change them yourself. Stow Money’s extra-payment recommendations are not a substitute for your obligation to manage required payments.
Stow Money always recommends paying at least the minimum required payment to every lender, on time. The minimum payment amounts Stow Money shows may be estimated or out of date, so confirm your current minimum with your lender. Failing to make a required payment can result in late fees, penalty interest, loss of promotional rates, negative credit reporting, a lower credit score, default, or referral to collections. Meeting your minimum obligations to lenders is your responsibility, and Stow Money is not responsible for the consequences of a missed, late, or reduced payment.
If any of your accounts carries a promotional or deferred-interest balance, paying only the lender's stated minimum may not clear it before the promotional period ends — and on deferred-interest plans, interest can then be charged retroactively on the full original balance. Stow Money recommends you confirm your promotional end dates with your lender and pay enough to clear those balances before they expire, even if that means paying more than the minimum. Because Stow Money does not track promotional expiration dates, monitoring them is your responsibility.
If you have autopay or any scheduled automatic payment set up, making an extra payment yourself does not cancel or reduce that autopay. Both may execute — potentially double-paying and overdrawing your account. Before making an extra payment, confirm with your bank or lender how it interacts with your existing autopay settings.
6. User-entered text and sensitive data
Stow Money applies technical measures to detect and block sensitive data — such as account numbers, Social Security numbers, and similar identifiers — from being submitted through free-text fields, including the financial assistant. However, these measures are not exhaustive and cannot prevent all possible inputs.
You are responsible for what you type into free-text fields. You should not enter passwords, full account numbers, Social Security numbers, government-issued ID numbers, or other sensitive personal or financial identifiers into any chat or context field. If you choose to enter sensitive data, you do so at your own risk. Stow Money is not liable for any exposure or misuse of data you voluntarily submit through free-text fields.
7. Service availability and changes
Stow Money may change, pause, or remove features at any time, especially during early development.
Stow Money may also change model providers, recommendation logic, product limits, and supported integrations at any time.
8. Limitation of reliance
You must not rely on Stow Money as your sole source of decision-making for material financial matters.
If a decision could materially affect your finances, taxes, legal obligations, housing, insurance, or credit standing, you must review the situation yourself and, where appropriate, consult a qualified professional.
Without limiting the above:
- do not treat Stow Money as a substitute for licensed financial planning advice
- do not treat Stow Money as tax advice
- do not treat Stow Money as legal advice
- do not use Stow Money output as the sole basis for investment decisions
- do not assume Stow Money has complete knowledge of every account, debt, due date, or off-platform obligation
- do not assume Stow Money tracks promotional or introductory rate expirations; it does not know when a promotional rate ends, and on deferred-interest accounts the full balance can be charged interest retroactively when the promotional period closes
9. No warranty
To the maximum extent permitted by law, Stow Money is provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or availability.
10. Limitation of liability
To the maximum extent permitted by law, Stow Money and its operators will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost savings, lost data, business interruption, overdraft, non-sufficient-funds, returned-payment, or late-payment fees, missed or reduced payments, penalty interest, loss of promotional rates, or damage to your credit standing, or similar losses arising from or related to the use of the product.
11. Eligibility
Stow Money is offered to individuals in the United States who are at least the age of majority in their state of residence and able to form a binding contract. By using Stow Money, you represent that you meet these requirements, that the information you provide is accurate, and that you will use the product for your own personal, non-commercial financial planning.
12. License to use Stow Money
Stow Money and its software, design, content, and brand — including the names "Stow," "Stow Money," and associated logos — are owned by Drewprint Studios LLC and protected by intellectual-property laws. Subject to these Terms, you are granted a limited, personal, non-exclusive, non-transferable, revocable license to use Stow Money for your own financial planning. You may not copy, modify, distribute, sell, reverse-engineer, or create derivative works from the product, or use its name or branding without permission, except to the extent the law allows.
13. Termination
You may stop using Stow Money at any time and may request deletion of your account as described in the Privacy Policy.
Stow Money may suspend or terminate your access at any time — including for violation of these Terms, suspected fraud or abuse, non-payment, or to comply with law — with or without notice. On termination, your right to use the product ends. Provisions of these Terms that by their nature should survive — including the disclaimers, limitations of liability, and dispute-resolution terms — will continue to apply.
14. Changes to these Terms
Stow Money may update these Terms from time to time. The latest version will be made available in the product, and material changes will be communicated in a reasonably prominent way before or when they take effect. Your continued use of Stow Money after updated Terms take effect means you accept them. If you do not agree to the updated Terms, stop using the product.
15. General
If any provision of these Terms is found unenforceable, the remaining provisions stay in effect. These Terms, together with the Privacy Policy and AI Use Disclosure, are the entire agreement between you and Stow Money regarding the product and supersede any prior understandings. Stow Money's failure to enforce a provision is not a waiver of it. You may not assign or transfer these Terms without Stow Money's consent; Stow Money may assign them in connection with a merger, acquisition, financing, or sale of assets.
16. Dispute resolution and arbitration
If you have a dispute with Stow Money, please contact us first at [email protected]. We will try to resolve it informally within 30 days.
If informal resolution fails, you and Stow Money agree to resolve any dispute through binding individual arbitration under the rules of the American Arbitration Association (AAA), rather than in court. The arbitration will be conducted in Oklahoma. You and Stow Money each waive the right to a jury trial and the right to participate in any class action, class arbitration, or representative proceeding.
This arbitration agreement does not apply to: (a) claims that qualify for small claims court; or (b) claims seeking injunctive or other equitable relief for intellectual property violations.
17. Governing law
These Terms are governed by the laws of the State of Oklahoma, without regard to its conflict-of-law principles. Any disputes arising from or relating to these Terms or your use of Stow Money will be subject to the exclusive jurisdiction of the courts located in Oklahoma.
18. Contact
Contact:
- Legal: [email protected]
- Support: [email protected]
Mailing address:
Drewprint Studios LLC 1321 Upland Dr. #21168 Houston, TX 77043