Terms of Service

These Terms are between you and Colo Transport Co., 15629 Josephine Street, Thornton, CO 80602 (“we”, “us”), and cover The Income Stack at https://instack.app(the “Service”). If you do not agree, do not use the Service. Our Privacy Policy is part of these Terms.

You must be at least 18 and able to form a binding contract. You are responsible for everything that happens under your account and for keeping your credentials confidential. Tell us promptly at support@instack.app if you believe your account has been compromised.

The Service lets you record your financial position, connect brokerage accounts read-only, track dividends and holdings, and run projections and scenarios about your future income and net worth.

Projections are models, not predictions. They are arithmetic applied to the assumptions you and we supply — returns, inflation, tax rates, longevity — and small changes to those assumptions produce large changes in outcome. Actual results will differ, often substantially.

This is the most important term in this document.

• We are not a broker-dealer, investment adviser, financial planner, accountant, or law firm, and we are not registered as any of those.
• Nothing the Service produces is investment, tax, or legal advice, a recommendation to buy or sell any security, or an offer or solicitation of any kind. Screens that compare holdings, flag concentration, or score a position are informational tools, not recommendations.
• No fiduciary or advisory relationship is created by your use of the Service.
• You are solely responsible for your own financial decisions. Consult a qualified professional before acting on anything you see here.

Brokerage connections are provided through SnapTrade. By linking an account you authorise us to retrieve your positions, balances, and transaction history on a read-only basis.

• We cannot place, modify, or cancel trades, and we cannot transfer funds or securities. We never ask for and never hold your brokerage password.
• You may disconnect any linked account at any time from the accounts screen.
• Your relationship with your brokerage is governed by your agreement with them, not by these Terms. Linking an account does not change it.
• Brokerage and market data is supplied by third parties. It may be delayed, incomplete, or wrong, and it should not be treated as an official statement. Your brokerage’s own records govern.

You agree not to:

• Access the Service other than through the interfaces we provide, or scrape, crawl, or bulk-extract data from it.
• Attempt to gain unauthorised access to any account, system, or data, or probe or test the security of the Service without our written permission.
• Interfere with or disrupt the Service, or impose an unreasonable load on it.
• Reverse engineer, decompile, or attempt to derive source code, except where that restriction is unenforceable by law.
• Use the Service to break the law, infringe anyone's rights, or provide regulated financial advice to third parties.
• Upload malicious code, or submit information you have no right to submit.

You keep ownership of the information you enter. You grant us a limited licence to host, process, and display it for the purpose of operating the Service for you. We may use aggregated, de-identified information that cannot reasonably be linked back to you to improve the Service.

The Service, including its software, design, and text, belongs to us and our licensors and is protected by intellectual property law. Market data belongs to the providers that supply it and is licensed for your personal, non-commercial use only; you may not redistribute it.

We may change, suspend, or discontinue any part of the Service. We aim to give notice of material changes, but we may act without notice where necessary for security, legal compliance, or to prevent harm. The Service is provided without any uptime commitment.

Paid plans may be offered. Where they are, the price, billing period, and renewal terms are shown at purchase, and those disclosures form part of these Terms. Unless stated otherwise or required by law, fees are non-refundable. Any feature offered without charge may be changed or withdrawn.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT ANY DATA, CALCULATION, OR PROJECTION IS ACCURATE, COMPLETE, OR CURRENT. Some jurisdictions do not allow these exclusions, in which case they apply to the fullest extent permitted.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST SAVINGS, INVESTMENT LOSSES, OR LOSS OF DATA, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE.

OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE IS LIMITED TO THE GREATER OF THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED US DOLLARS ($100).

You agree to indemnify and hold us harmless from claims, losses, and expenses, including reasonable legal fees, arising out of your misuse of the Service, your violation of these Terms, or your violation of any law or third-party right.

You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you breach these Terms, or if we are required to by law. Sections that by their nature should survive termination — including 4, 7, 8, 11, 12, 13, and 15 — do so.

These Terms are governed by the laws of the State of Colorado, United States, without regard to conflict-of-laws rules. You and we agree to the exclusive jurisdiction of the state and federal courts located there, and each of us waives any objection to that venue. Nothing here prevents either of us from seeking relief in small claims court.

If a provision is held unenforceable, the rest remains in force. Our failure to enforce a term is not a waiver of it. You may not assign these Terms without our consent; we may assign them in connection with a merger or sale of the business. These Terms, together with the Privacy Policy, are the entire agreement between us about the Service.

Questions about these Terms: support@instack.app, or Colo Transport Co., 15629 Josephine Street, Thornton, CO 80602.