Terms of Use
Last updated: 4 March 2026

1. Agreement to Terms
By downloading, installing, or using Stackive (“the App”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, do not use the App.

2. Description of Service
Stackive is an emotional spending tracker that helps users log purchases, track spending habits, set savings goals, and gain insights into emotional spending patterns. The App is available in a free tier and a premium subscription tier.

3. Eligibility
You must be at least 16 years old to use Stackive. By using the App, you confirm that you meet this age requirement. This is in accordance with GDPR Article 8 and South Africa’s Protection of Personal Information Act (POPIA).

4. Accounts

Guest Mode — You may use Stackive without creating an account. In guest mode, your data is stored locally on your device only. If you delete the App or lose your device, your guest data cannot be recovered.

Registered Accounts — You may create an account using your email address and a password. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to provide accurate information and to notify us promptly of any unauthorised use of your account.

Account Deletion — You may delete your account at any time from the Settings screen within the App. When you delete your account, all associated data — including your profile, transactions, savings goals, product reminders, and consent records — will be permanently and irreversibly removed from our servers and your device. This action cannot be undone.

5. Subscriptions and Payments

Stackive Premium — Stackive offers an auto-renewable subscription (“Stackive Premium”) that provides access to additional features including emotional spending insights, weekly spending comparisons, product reminders, full analytics, and cloud sync.

Pricing — The current subscription price is displayed in the App at the time of purchase. Prices may vary by region and are subject to change.

Billing — Payment will be charged to your Apple ID account at confirmation of purchase. The subscription automatically renews unless it is cancelled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period.

Cancellation — You can manage and cancel your subscription at any time through your Apple ID account settings or the App Store. Cancellation takes effect at the end of the current billing period. No refunds are provided for any unused portion of a subscription period.

Free Trial — If a free trial is offered, the unused portion of any free trial period will be forfeited when you purchase a subscription.

6. User Conduct
You agree not to: use the App for any unlawful purpose; attempt to gain unauthorised access to the App’s systems or other users’ accounts; interfere with or disrupt the integrity or performance of the App; attempt to reverse engineer, decompile, or disassemble the App; or use the App to transmit harmful or malicious content.

7. Intellectual Property
All content, features, and functionality of Stackive, including but not limited to text, graphics, logos, icons, and software, are the exclusive property of Stackive and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works from any part of the App without our prior written consent.

8. Data and Privacy
Your use of the App is also governed by our Privacy Policy, available at https://stackive.co.za/privacy-policy/. By using the App, you consent to the collection and use of information as described in the Privacy Policy.

9. Data Security
We take reasonable technical and organisational measures to protect your personal data. These include:

  • Encryption of locally stored data using AES-256-GCM.
  • Secure storage of sensitive credentials in the device Keychain.
  • Transport Layer Security (TLS 1.2 or higher) for all data transmitted between the App and our servers.
  • Biometric authentication (Face ID / Touch ID) as an optional security layer.
  • Automatic session timeout after a period of inactivity.

While we strive to protect your data, no method of electronic storage or transmission is 100% secure, and we cannot guarantee absolute security.

10. Your Data Rights
In accordance with GDPR and POPIA, you have the following rights regarding your personal data:

  • Right of Access — You may request a copy of all personal data we hold about you.
  • Right to Data Portability — You may export all your data in a machine-readable format (JSON) from within the App.
  • Right to Erasure — You may delete your account and all associated data at any time from the App’s Settings screen.
  • Right to Withdraw Consent — You may withdraw your consent for data processing at any time. Withdrawal of consent may result in the deletion of your account.
  • Right to Rectification — You may update your personal information (name, email, currency) at any time within the App.

To exercise any of these rights, you may use the relevant feature within the App or contact us at the email address below.

11. Data Retention
We retain your personal data for as long as your account is active. If your account is inactive for a continuous period of two (2) years, we may delete your data in accordance with our data retention policy. You will be notified before any such deletion occurs. Upon account deletion, all data is permanently removed from our servers.

12. Disclaimer of Warranties
Stackive is provided “as is” and “as available” without warranties of any kind, either express or implied. We do not warrant that the App will be uninterrupted, error-free, or free of harmful components. Stackive is a personal budgeting tool and does not provide financial, investment, or professional advice.

13. Limitation of Liability
To the fullest extent permitted by law, Stackive and its developers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, profits, or revenue, whether incurred directly or indirectly, arising from your use of or inability to use the App.

14. Termination
We reserve the right to suspend or terminate your access to the App at any time, without prior notice, for conduct that we determine violates these Terms or is harmful to other users, us, or third parties. Upon termination, your right to use the App will immediately cease.

15. Changes to These Terms
We may update these Terms from time to time. When we make changes, we will update the “Last updated” date at the top of this document. Your continued use of the App after any changes constitutes your acceptance of the new Terms.

16. Third-Party Services
Stackive uses third-party services including Firebase by Google for authentication and cloud data storage, and Apple’s StoreKit for subscription management. Your use of these services is subject to their respective terms and privacy policies.

17. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the Republic of South Africa, including the Protection of Personal Information Act (POPIA), without regard to its conflict of law provisions. For users within the European Economic Area, the General Data Protection Regulation (GDPR) also applies.

18. Contact Us
If you have any questions about these Terms or wish to exercise your data rights, please contact us at: kinohogan@gmail.com