Funding Service Terms of Service

Effective Date: April 17, 2026 · Last Updated: April 17, 2026

Important Notice

This is an application for a done-for-you credit optimization service, not a guarantee or promise of funding approval. Please read these terms carefully before submitting your application.

1. Service Description

StackEasy's Done-For-You (DFY) Funding Service ("Service") is a credit optimization and business credit strategy consultation. StackEasy ("we," "us," "our") provides guidance on credit card stacking strategies, business credit building, and fundability optimization to help qualifying businesses pursue their funding goals.

The Service includes, but is not limited to:

A personalized credit stacking strategy developed by our team
Business fundability assessment and scoring
Guidance on credit card applications and approval strategy
Ongoing strategy calls and support during your engagement
Access to StackEasy's credit management dashboard (Premium tier) for the duration of service

2. No Guarantee of Funding or Approval

Critical Disclaimer

StackEasy does NOT guarantee any specific funding outcome, credit approval, credit limit, or financial result. Credit decisions are made solely by third-party lenders and card issuers. Approval depends on your personal and business credit profile, income, existing obligations, and lender policies that are outside our control.

By submitting an application, you acknowledge and agree that:

You may not receive any credit approvals or funding as a result of this Service
StackEasy's recommendations are educational and strategic in nature, not financial advice
Past results described in marketing materials are not typical and do not represent guaranteed outcomes
Credit applications may result in hard inquiries that temporarily affect your credit score
You are solely responsible for any credit applications you choose to submit

3. Qualification and Acceptance

Submission of an application does not guarantee acceptance into the Service. StackEasy reserves the right to review your application and decline to provide services at our discretion, including if:

Your current credit profile does not meet minimum strategy requirements
We determine the Service would not benefit you based on your goals and circumstances
We are at capacity for new clients

You will be notified via email within 3-5 business days of application receipt regarding acceptance status.

4. Fees and Payment

Service fees are disclosed at the time of acceptance and are outlined in your service agreement. All fees are due as specified in your individual service agreement. Fees are non-refundable except as provided in Section 5 below.

StackEasy does not charge application fees. You will not be charged simply for submitting this form.

5. Cancellation and Refund Policy

You may cancel the Service within 3 business days of signing your service agreement for a full refund of any fees paid. After the 3-day cancellation window, all fees are non-refundable unless otherwise required by applicable law.

StackEasy reserves the right to terminate the Service if you violate these Terms, provide false information, or engage in conduct that is harmful to StackEasy or its team.

6. Data Collection and Privacy

By submitting this application, you authorize StackEasy to collect and process the personal and business information you provide for the purpose of evaluating your application and delivering the Service. This includes but is not limited to: name, contact information, business details, revenue figures, and self-reported credit profile information.

StackEasy does not pull your credit report without explicit consent provided at a later stage of the process. We do not sell your personal information to third parties.

Your information is handled in accordance with our Privacy Policy. By submitting this form, you consent to our Privacy Policy.

7. Client Responsibilities

To receive the full benefit of the Service, you agree to:

Provide accurate, complete, and truthful information in your application and throughout the engagement
Follow through on agreed strategy steps in a timely manner
Attend scheduled strategy calls or provide advance notice of cancellation
Make your own informed decisions about which credit products to apply for
Maintain responsible credit use and not overextend your debt obligations

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, STACKEASY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, CREDIT SCORE DECLINE, LOAN DENIALS, OR OTHER FINANCIAL LOSSES ARISING FROM YOUR USE OF THE SERVICE OR YOUR RELIANCE ON OUR GUIDANCE.

StackEasy's total liability to you for any claims arising from the Service shall not exceed the total fees paid by you to StackEasy in the 90 days preceding the claim.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." STACKEASY MAKES NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL MEET YOUR SPECIFIC FUNDING GOALS OR THAT ANY PARTICULAR CREDIT OUTCOME WILL BE ACHIEVED.

10. Independent Relationship

StackEasy is an independent service provider and is not a lender, mortgage broker, financial advisor, credit repair organization (as defined under the Credit Repair Organizations Act), or registered investment advisor. Nothing in this Service constitutes legal, tax, or financial advice. You should consult with qualified professionals for advice specific to your situation.

11. Dispute Resolution and Arbitration

Any dispute arising from or related to these Terms or the Service shall first be addressed through good-faith negotiation. If not resolved within 30 days, disputes shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court, except that either party may seek injunctive relief in court for intellectual property or confidentiality violations.

Class Action Waiver: You waive any right to bring or participate in a class action lawsuit or class-wide arbitration.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Any arbitration or court proceedings shall take place in Florida.

13. Changes to These Terms

StackEasy may update these Terms from time to time. We will provide notice of material changes by updating the "Last Updated" date at the top of this page. Your continued use of the Service after changes become effective constitutes acceptance of the revised Terms.

14. Contact Information

For questions about these Terms, please contact us at:

Email: support@stackeasy.ai
Website: www.stackeasy.ai

By submitting your application, you confirm that you have read, understood, and agree to these Terms of Service.