Terms & Conditions
StackMotive Terms of Use
stackmotiveapp.com and app.stackmotiveapp.com
Last updated: 24 March 2026
By accessing or using the StackMotive website, you are deemed to agree to these terms and conditions without qualification. If you do not agree to be bound by these terms and conditions, you must immediately cease accessing and using the website.
Use of the StackMotive platform and products is additionally subject to the StackMotive Terms of Service, which you will be asked to accept upon account creation. In the event of any conflict between these Website Terms and the StackMotive Terms of Service, the Terms of Service prevail for registered users of the platform.
1. Definitions
"Company", "we", "us", "our" means Sovereign Assets Limited (NZBN 9429052993879), a company incorporated in New Zealand.
"StackMotive" means the financial intelligence and analytics platform and related products operated by the Company.
"Website" means the StackMotive website at stackmotiveapp.com and app.stackmotiveapp.com, including all pages, functionality, and content, together with any related Products made available through the website.
"Product" means any software, application, tool, module, or content made available by the Company via the Website, including the StackMotive platform, Stack AI, and associated features.
"Stack AI" means the artificial intelligence analytical assistant integrated into the StackMotive platform, powered by third-party AI services.
"User", "you", "your" means any individual or entity accessing, registering, or using the Website or Product in any manner.
"Privacy Policy" means the Company's privacy policy available at [PRIVACY POLICY URL], as amended from time to time.
"Personal Information" means any information about an identifiable individual as defined in the Privacy Act 2020 (NZ).
"Terms of Service" means the StackMotive Terms of Service applicable to registered users of the platform, available at [TERMS OF SERVICE URL].
"Notice" means a written communication delivered in accordance with clause 19.
2. Nature of Services — Not Financial Advice
2.1 The information, content, tools, and data available on the Website and through the Products are provided for informational and analytical purposes only.
2.2 Nothing on the Website or within any Product constitutes financial advice, investment advice, legal advice, professional advice, or any other form of regulated advice under New Zealand law or the law of any other jurisdiction. The Company is not a Financial Advice Provider under the Financial Markets Conduct Act 2013. No statements, analyses, models, calculations, signals, confluence scores, or outputs should be construed as recommendations, inducements, or encouragement to make, alter, or refrain from making any financial, legal, investment, or similar decisions.
2.3 StackMotive does not execute trades, place orders, hold funds, or facilitate transactions. It may connect to third-party brokers and exchanges on a read-only basis solely to retrieve portfolio and account data. Any trading or investment decisions you make are made entirely outside the platform and are solely your responsibility.
2.4 Stack AI provides informational responses based on market data and general knowledge. It does not provide personal financial advice and is not a licensed financial adviser. Stack AI queries are processed by Anthropic, PBC via their Claude API. Under our current agreement with Anthropic, API-submitted data is not used for model training. For full details, see anthropic.com/privacy.
2.5 Users must obtain independent professional or specialist advice before taking, or refraining from taking, any action based on any information, content, or data obtained from the Website or Products.
2.6 The Company does not accept any liability for any monetary loss, financial damage, opportunity loss, or other adverse consequence arising from use of or reliance on the Website, the Products, or any information contained therein, irrespective of whether such loss arises directly, indirectly, consequentially, or otherwise.
2.7 The Website and Products are not intended for users in jurisdictions where the provision of such information is subject to regulatory limitations or restrictions. If you access the Website or Products from outside New Zealand, you are responsible for compliance with any applicable laws of that jurisdiction.
3. Registration and Accounts
3.1 Registration may be required to access certain features or functionalities of the Website or Products. Registered users of the StackMotive platform are additionally bound by the Terms of Service.
3.2 You shall provide current, accurate, and complete information during the registration process and update such information as necessary to maintain its accuracy.
3.3 You shall keep all usernames, passwords, and other credentials secure and confidential. You shall notify us immediately at andy@sovereignassets.org upon becoming aware of any unauthorised use or security breach affecting your account.
3.4 You must not transfer your account to another user, permit another person to use your account, or operate multiple accounts without our prior written consent.
3.5 We may, at our sole discretion, suspend, terminate, or restrict your account or access to the Website or Products for reasons including (but not limited to) any breach of these terms, risk to Website integrity, suspected unlawful conduct, or as required by applicable law or regulation.
3.6 We may require you to pass verification or eligibility checks as a condition to registration or continued use.
4. Payment and Fees
4.1 Access to the Website and Products may be provided on a free, paid, or subscription basis, subject to our published fee schedule from time to time.
4.2 Where fees apply, payment terms, currency, billing frequency, and refund policy shall be as published on the Website or as otherwise notified to you in writing prior to registration or purchase.
4.3 All fees are exclusive of taxes, unless otherwise specified. New Zealand users will be charged GST at the applicable rate. International users are responsible for determining and paying any taxes applicable in their jurisdiction.
4.4 We reserve the right to amend fees by providing at least 30 days' written notice. You will be notified in advance of any changes to the fee schedule affecting your ongoing use. If you do not agree to the new fees, you may cancel your subscription before the new fees take effect.
4.5 All payments are final and non-refundable except as required by the Consumer Guarantees Act 1993 or other applicable consumer protection legislation.
4.6 By making a payment, you confirm that you have read, understood, and agreed to the terms of this clause, including the finality of payments subject to your statutory rights.
5. Privacy Policy and Personal Information
5.1 Collection, use, storage, and disclosure of Personal Information is governed by our Privacy Policy.
5.2 By accessing or using the Website or Products, you consent to the collection, use, and disclosure of your Personal Information in accordance with the Privacy Policy.
5.3 We comply with applicable privacy legislation in New Zealand, including the Privacy Act 2020, and will take reasonable steps to secure your Personal Information from misuse, loss, unauthorised access, modification, or disclosure.
5.4 You acknowledge that no method of electronic transmission or storage is completely secure. While we take reasonable steps to protect your information, we cannot guarantee absolute security. We are not liable for unauthorised access to your Personal Information that occurs despite our implementation of reasonable security measures, except to the extent caused by our breach of obligations under applicable law. This does not limit our obligations under the Privacy Act 2020, including the obligation to notify affected individuals and the Office of the Privacy Commissioner of notifiable privacy breaches.
5.5 You indemnify and hold us harmless from any claims arising from unauthorised access to your account caused by your failure to maintain the security of your account credentials.
5.6 Our Privacy Policy outlines:
(a) the types of Personal Information collected and the methods of collection;
(b) the purposes for which we may use Personal Information;
(c) how we protect and secure Personal Information;
(d) circumstances in which we may disclose Personal Information to third parties, including but not limited to service providers, regulatory authorities, and legal entities;
(e) your rights to access and request correction of Personal Information; and
(f) the process for lodging a privacy complaint and how such complaints will be resolved.
5.7 You may access our full Privacy Policy at PRIVACY POLICY.
5.8 If you have any questions about the Privacy Policy, data protection, or handling of your Personal Information, please contact us at privacy@sovereignassets.org.
5.9 We reserve the right to modify or update the Privacy Policy at any time. Material changes will be communicated to users, and continued use of the Website or Products shall constitute acknowledgement and acceptance of the updated Privacy Policy.
6. Intellectual Property
6.1 All intellectual property rights, including copyright, trademarks, patents, patent applications, and other proprietary rights, in and to the Website, Products, and all content therein (including but not limited to code, algorithms, designs, documentation, analytical methodologies, and data) are owned by Sovereign Assets Limited or its licensors.
6.2 You may print or download extracts from the Website or Products only for your own personal, non-commercial use.
6.3 No part of the Website or Product may be copied, distributed, reproduced, republished, downloaded, displayed, posted, transmitted, incorporated into any other work or publication, or used for any commercial purpose without our prior written consent.
6.4 You must not remove, alter, or obscure any copyright, trademark, patent, or other proprietary notices or logos appearing on the Website or Products.
6.5 Where user-generated content is submitted or uploaded to any communication tool or feature of the Website or Product, you grant us a non-exclusive, royalty-free, worldwide licence to use, reproduce, display, and distribute such content for purposes of operating the Website or Products, subject to applicable law and your rights under the Privacy Policy.
7. Communication Tools
7.1 If you use any communication tools available through the Website or Products (including forums, chat rooms, Stack AI, or message features), you shall use such tools only for lawful and legitimate purposes related to the Website or Products.
7.2 You shall not use any communication tool for posting or disseminating material unrelated to the Website or Products, including (but not limited to) offers of goods or services for sale, files that may damage any computing devices or software, content that may be offensive, defamatory, obscene, profane, pornographic, spam-related, or material or data in violation of any law or third-party rights.
7.3 You represent and warrant that you own or are authorised to use the content of any communication made or uploaded through the Website or Products.
7.4 We are under no obligation to monitor communications or ensure their legitimacy. We reserve the right to remove any communication at any time in our sole discretion.
8. Prohibited Conduct
You must not:
(a) take any action that imposes an unreasonable or excessive load on the Website or Product infrastructure, including "spam" or unsolicited messaging;
(b) introduce, transmit, or upload viruses, malware, trojan horses, or other malicious code or content;
(c) use the Website or Product for any purpose that is unlawful, prohibited, defamatory, obscene, offensive, inflammatory, pornographic, profane, spam-related, or otherwise violates these terms or any applicable law;
(d) employ any scraper, artificial intelligence bot, or other unauthorised automated means to access, process, or extract content or data from the Website or Product;
(e) publish advertisements, marketing, or sponsored material, or market goods or services directly to other users unless expressly authorised by us;
(f) attempt to disrupt or interfere with the operation, integrity, or security of the Website or Products;
(g) attempt to access another user's account or confidential information;
(h) use the Website, Products, or any data or analytical outputs to provide commercial financial advisory, signal, intelligence, or data services to third parties; or
(i) redistribute, resell, or make available any data, signals, or analytical outputs from the Website or Products to any third party.
9. Links to Third-Party Sites
9.1 The Website and Products may contain links to third-party materials or websites.
9.2 We are not responsible or liable for the content, privacy practices, or operability of any linked sites or for any direct or indirect loss or damage suffered by users from accessing, using, relying on, or interacting with such third parties.
9.3 The inclusion of a linked site does not imply any endorsement or association by us.
9.4 We reserve the right to prohibit links to the Website or Products and you shall remove or cease any link upon our request.
10. Disclaimer
10.1 We provide the Website and Products as an informational and analytical service only. Your use is at your own risk.
10.2 The information, content, and data have not been prepared by taking into account the specific objectives, financial situation, or needs of any individual user.
10.3 We make no representations or warranties (whether express, implied, statutory, or otherwise) concerning the accuracy, reliability, completeness, fitness for purpose, or suitability of any information, content, data, signal, confluence score, or analytical output available through the Website or Products.
10.4 Data displayed on the Website and Products, including prices, volumes, indicators, and analytical outputs, may be delayed, inaccurate, incomplete, or temporarily unavailable. You must not rely on this data as your sole source of information for financial decisions.
10.5 All express and implied warranties and representations are excluded to the fullest extent permitted by law.
11. Exclusion and Limitation of Liability
11.1 To the fullest extent permitted by law, we exclude all liability for any loss, damage, expense, or claim (including without limitation direct, indirect, consequential, special, or economic loss or damage, loss of profits, loss of data, loss of anticipated savings, trading losses, lost trading opportunities, or loss of opportunity) arising from the use of, or reliance on, the Website, Products, or any information or data therein, or from any error, omission, or misstatement.
11.2 We expressly disclaim responsibility for any monetary loss, financial loss, or other loss resulting from use of or reliance upon the Website, Products, or any information therein, including losses arising from any financial decisions you make.
11.3 Nothing in these terms excludes or limits our liability for fraud, wilful misconduct, or death or personal injury caused by our negligence.
11.4 Nothing in these terms is intended to exclude any rights you may have under the Consumer Guarantees Act 1993, except where both parties are "in trade" and such exclusion is lawful.
11.5 If you are a consumer within the meaning of the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)), nothing in these terms excludes, restricts, or modifies any consumer guarantee under the Australian Consumer Law that cannot be excluded by law. To the extent permitted by law, our liability for breach of any non-excludable consumer guarantee is limited to the re-supply of the services or payment of the cost of re-supply.
12. Indemnity
12.1 You shall indemnify, defend, and hold harmless the Company and its officers, employees, directors, agents, and affiliates from and against all costs, expenses (including reasonable legal costs), losses, damages, liabilities, and claims brought by a third party arising from or in connection with:
(a) any breach by you of these terms and conditions;
(b) your unlawful conduct or misuse in connection with the Website or Products;
(c) your use or misuse of any communication tool or Product functionality;
(d) any infringement of third-party intellectual property or privacy rights by your content or use; and
(e) any financial decisions or transactions you make based on information obtained from the Website or Products.
12.2 We shall have the right to assume and control the defence and settlement of any indemnified matter at your cost and expense.
12.3 Your indemnities shall survive termination or expiry of these terms and conditions.
13. Consumer Guarantees Act 1993
13.1 If you are a consumer using the Website or Products for personal, non-business purposes, nothing in these terms is intended to abrogate any rights you may have under the Consumer Guarantees Act 1993.
13.2 If you and the Company are both "in trade", and the Website or Products are acquired in trade, both parties agree that the provisions of the Consumer Guarantees Act 1993 do not apply to the extent permitted by law.
14. Force Majeure
14.1 We are not liable for any failure to perform our obligations under these terms to the extent such failure is caused by circumstances beyond our reasonable control, including but not limited to natural disasters, epidemics or pandemics, war, terrorism, civil unrest, government action, internet infrastructure failures, cyberattacks, failures of third-party data providers, power outages, telecommunications failures, or regulatory changes that make performance unlawful or impracticable.
15. Assignment and Subcontracting
15.1 We may assign, transfer, or subcontract any rights or obligations under these terms and conditions to any successor entity or acquirer without notice to you.
15.2 You may not assign, transfer, or subcontract your rights or obligations under these terms and conditions without our prior written consent.
16. Variation
16.1 We reserve the right to change these terms and conditions at any time by providing at least 30 days' written notice of material changes (by email to registered users or by prominent notice on the Website).
16.2 By continuing to access, use, register for, or pay for the Website or Products after the amendment takes effect, you agree to be bound by the amended terms and conditions.
17. Termination
17.1 We may terminate, suspend, or restrict your access to the Website or Products, or your account, at any time, in our sole discretion, including (but not limited to) for:
(a) your breach or suspected breach of these terms and conditions;
(b) your conduct which in our reasonable opinion places the Website or Products, or other users, at risk;
(c) insolvency, bankruptcy, or cessation of business of either party;
(d) compliance with applicable law, regulation, or request from a government authority; or
(e) non-payment of applicable fees or charges.
17.2 You may terminate your account or access to the Website or Products at any time by providing Notice to us.
17.3 Termination does not affect rights or obligations accrued up to the date of termination, including rights to indemnity, limitation of liability, intellectual property, and confidentiality. Sections 2 (Nature of Services), 6 (Intellectual Property), 10 (Disclaimer), 11 (Exclusion and Limitation of Liability), 12 (Indemnity), and 20 (Governing Law) survive termination.
18. Entire Agreement
18.1 These terms and conditions, together with the Privacy Policy, the Terms of Service (for registered platform users), and any other notices published on
the Website, constitute the entire agreement between us relating to the use of the Website and Products.
18.2 If any part or provision of these terms is considered invalid, unenforceable, or in conflict with the law, that part or provision shall be replaced with a provision which, as far as possible, accomplishes the original purpose, and the remaining terms and conditions shall continue to be binding.
19. Waiver
19.1 If we at any time do not enforce any of these terms, or grant you any time or other indulgence, this will not be construed as a waiver of that term or our rights to enforce it later.
20. Governing Law and Jurisdiction
20.1 These terms and conditions and any disputes in connection with the Website or Products are governed by the laws of New Zealand.
20.2 You agree to submit to the exclusive jurisdiction of the courts of New Zealand for all disputes arising out of or in connection with these terms and conditions, the Website, or Products.
20.3 If you are an Australian consumer, nothing in this section prevents you from bringing proceedings in an Australian court to the extent required by the Australian Consumer Law. We submit to the non-exclusive jurisdiction of Australian courts for claims brought by Australian consumers under the Australian Consumer Law.
21. Notices
21.1 All notices required or permitted under these terms and conditions shall be in writing and delivered:
(a) by email to andy@sovereignassets.org;
(b) via the Website's designated contact form; or
(c) by any other communication channel published or specified by us.
21.2 Notice will be deemed received:
(a) if by email, on the next business day after transmission;
(b) if via the Website, on submission confirmation; and
(c) if by post, three business days following posting (if applicable).
22. General Provisions
22.1 Your rights to use the Website or Products are not transferable. Any password or right given to you to obtain information or documents is not transferable.
22.2 All headings are for convenience only and do not affect interpretation.
22.3 Nothing in these terms and conditions will be deemed to create a partnership, joint venture, agency, or employment relationship of any kind between us and you.
22.4 Costs associated with entering into or performing these terms and conditions shall be borne by the party incurring them.
Sovereign Assets Limited (NZBN 9429052993879) Trading as StackMotive Auckland, New Zealand Contact: andy@sovereignassets.org