Privacy Policy

1. Acceptance of Terms

By creating an account or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

2. Description of Service

STAKD provides a business management platform designed for content creators, including:

• Income Tracking: Aggregate and track income from multiple platforms (YouTube, Meta, TikTok, Twitch, and manual entries); bank account connectivity via Plaid for automatic transaction sync
• Expense Management: Track business expenses with AI-powered receipt scanning (Google Cloud Vision), automatic categorization, and mileage tracking (Google Maps Distance Matrix API)
• Contact Relationship Management (CRM): Manage brand partnerships and professional contacts; brand contact discovery via Hunter.io
• Contract Management: Store, organize, and AI-scan contracts and agreements (Anthropic Claude)
• Invoicing: Create and send professional invoices; W-9 management for contractor payments
• Analytics Dashboard: View business performance metrics, profit & loss statements, and revenue insights
• Tax Preparation Tools (TaxCommand™): Quarterly estimated tax calculations, 1099 preparation assistance, mileage deduction reports, and P&L summaries
• Revenue Forecasting: Cash flow predictions and income trend analysis
• CreatorSync™: Automated revenue sync from connected creator platforms (YouTube, Meta, TikTok, Twitch)
• Brand Outreach Central™: Brand research, contact discovery, and outreach management for sponsorship pipeline
• Perfect Pitch™: AI-powered media kit builder for brand partnership proposals (Anthropic Claude)
• CampaignValue™: Campaign hashtag tracking across connected platforms with Earned Media Value (EMV) calculation to quantify content performance for brand negotiations
• Calendar Integration: Two-way Google Calendar sync for brand deadlines, tax dates, and content schedules
• Gmail Integration: Send invoices and notifications directly from your connected Gmail account
• AI Assistant: Conversational AI assistant that can query and manage your account data — add contacts, record income and expenses, check deliverable status, and answer questions about your business (Anthropic Claude)

3. Account Registration and Eligibility

3.1 Eligibility

To use the Service, you must:

• Be located in and a resident of the United States
• Be at least 18 years of age
• Have the legal capacity to enter into a binding agreement
• Not be prohibited from using the Service under applicable laws

3.2 Account Requirements

When creating an account, you agree to:

• Provide accurate, current, and complete registration information
• Maintain and promptly update your account information
• Maintain the security and confidentiality of your login credentials
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized access or security breach

3.3 Account Security

You are responsible for safeguarding your password and any activities under your account. We recommend enabling two-factor authentication (2FA) for enhanced security.

4. Subscription Plans and Payment

4.1 Subscription Tiers

STAKD offers the following subscription plans:

4.2 Free Trial

New users receive a 14-day free trial of Professional features. At the end of the trial, you may choose to subscribe or your account will be downgraded to the Starter (free) tier. Any public media kit links created during the trial will remain active for 90 days after the trial ends (see Section 4.4).

4.3 Billing

• Payment Processing: All payments are processed securely through Stripe
• Billing Cycle: Subscriptions are billed monthly on the anniversary of your subscription start date
• Automatic Renewal: Subscriptions automatically renew unless cancelled
• Price Changes: We will provide 30 days' notice of any price changes

4.4 Cancellation

• You may cancel your subscription at any time through your account settings
• Cancellation takes effect at the end of your current billing period
• You will retain access to paid features until the end of your billing period
• No refunds are provided for partial months or unused time
• Media Kit Links: Public media kit links generated through Perfect Pitch™ will remain active for 90 days following the end of your 14-day free trial or the cancellation of a paid subscription. After this 90-day grace period, media kit links will be deactivated. Re-subscribing to a Professional or higher plan will immediately restore all media kit links.

4.5 Refund Policy

All subscription fees are non-refundable. By subscribing to any paid plan, you acknowledge and agree that:

• No refunds or credits will be issued for partial billing periods, unused time, or downgraded plans
• If you cancel your subscription, you will retain access to paid features until the end of your current billing period, but no pro-rated refund will be provided
• Upgrading or downgrading your plan does not entitle you to a refund for any prior billing period
• Fees paid for annual subscriptions, including the Founding Member plan, are non-refundable regardless of when cancellation occurs within the billing cycle
• We reserve the right to issue refunds or credits at our sole discretion on a case-by-case basis, but are under no obligation to do so

4.6 Failed Payments

If a payment fails, we will attempt to charge your payment method again. After multiple failed attempts, your account may be downgraded or suspended until payment is resolved.

4.7 Founding Member Plan

The Founding Member plan is a limited-availability subscription tier offered during STAKD's initial launch period, subject to the following terms:

• Availability: Limited to the first 100 subscribers. Once all spots are claimed, the Founding Member plan will no longer be available for new subscriptions.
• Pricing: $399 per year, billed annually. This rate is locked for the lifetime of your subscription as long as it remains active and in good standing.
• Features: Includes all current and future Professional-tier features for the duration of your subscription.
• Automatic Renewal: Your Founding Member subscription will automatically renew each year at $399 unless cancelled.
• Cancellation: You may cancel at any time. However, cancellation permanently forfeits your locked Founding Member pricing. If you wish to resubscribe after cancellation, you will need to select from currently available plans at then-current pricing.
• Non-Transferable: Founding Member subscriptions are tied to your account and cannot be transferred to another user or account.
• No Trial Period: The Founding Member plan does not include a free trial. Billing begins immediately upon subscription.

4.8 AI-Powered Features

STAKD provides AI-powered features including a Help Chatbot ("STAKD Help") and an AI Task Assistant ("STAKD Assistant"), subject to the following terms:

• Availability: STAKD Help is available on all plans (50 requests/day). STAKD Assistant is available on Professional, Founding Member, and Studio plans only (50 requests/day).
• Daily Usage Limits: AI features are subject to daily usage limits based on your subscription tier:
  • All plans: Help Chat — 50 requests/day
  • Professional, Founding Member & Studio: AI Assistant — 50 requests/day
  • Starter & Plus: AI Assistant — not available
• AI-Generated Content: Responses provided by AI features are generated by third-party AI models and may not always be accurate. You are responsible for verifying any information or actions suggested by AI features before relying on them.
• Data Access: The AI Assistant can access and modify your account data (contacts, expenses, income) on your behalf. Write operations (adding contacts, recording expenses or income) require your explicit confirmation before execution.
• Support Escalation: Help conversations may be automatically escalated to our support team via email after three AI responses if your issue is not resolved.
• No Guarantees: AI features are provided "as is." We do not guarantee the accuracy, completeness, or reliability of AI-generated responses. We reserve the right to modify usage limits, available AI models, or feature availability at any time.

5. User Responsibilities and Acceptable Use

5.1 You Agree To:

• Use the Service only for lawful purposes and in accordance with these Terms
• Maintain accurate and truthful business information
• Comply with all applicable laws and regulations
• Respect the intellectual property rights of others
• Keep your account credentials confidential

5.2 You Agree NOT To:

• Violate any applicable local, state, national, or international laws
• Upload, transmit, or distribute any malicious code, viruses, or harmful content
• Attempt to gain unauthorized access to the Service or other users' accounts
• Interfere with or disrupt the Service or servers
• Use the Service to spam, harass, or harm others
• Reverse engineer, decompile, or disassemble any part of the Service
• Use automated scripts, bots, or scrapers without authorization
• Misrepresent your identity or affiliation
• Use the Service for any illegal, fraudulent, or deceptive purposes

6. Intellectual Property Rights

6.1 Our Intellectual Property

The Service, including all content, features, functionality, software, designs, and trademarks (including "STAKD," "CreatorSync™," "Brand Outreach Central™," "TaxCommand™," "Perfect Pitch™," "PricePoint™," and "CampaignValue™"), is owned by The CCRM LLC and protected by copyright, trademark, patent, and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of the Service without our express written permission.

6.2 Your Content and Data

You retain all ownership rights to the data and content you upload to the Service ("Your Content"). By using the Service, you grant us a limited license to:

• Store, process, and display Your Content to provide the Service
• Create backups of Your Content
• Access Your Content as necessary for support and maintenance

This license terminates when you delete Your Content or your account.

7. Third-Party Platform Integrations

7.1 OAuth Connections (Creator Platforms)

The Service integrates with third-party creator platforms including YouTube, Meta (Facebook/Instagram), TikTok, and Twitch via OAuth. When you connect these platforms:

• You authorize us to access your data from these platforms as described in our Privacy Policy
• Your use of third-party platforms is governed by their respective terms of service
• We are not responsible for the availability, accuracy, or functionality of third-party platforms
• You may disconnect any third-party platform at any time through your account settings

7.2 Financial Service Integrations

The Service integrates with the following financial service providers:

• Plaid Technologies, Inc.: Provides secure bank account connectivity for automatic transaction syncing. Your bank credentials are never shared with STAKD or The CCRM LLC. See Plaid's End User Privacy Policy.
• Stripe: Processes subscription payments securely. We do not store your full credit card numbers. See Stripe's Privacy Policy.

7.3 AI and Data Processing Integrations

The Service uses the following AI and data processing services:

• Anthropic Claude API: Powers contract scanning, Perfect Pitch™ media kit generation, and the AI Assistant. Your data is processed transiently and is not used to train AI models. See Anthropic's Privacy Policy.
• Google Cloud Vision API: Provides OCR text extraction for receipt scanning. Images are processed transiently and not retained by Google.
• Hunter.io: Enables brand contact discovery and email verification in Brand Outreach Central™. Only publicly available professional contact information is surfaced. See Hunter.io's Privacy Policy.

7.4 Google Platform Integrations

The Service uses the following Google platform services:

• Google Calendar API: Provides two-way calendar sync for brand deadlines, tax dates, and content schedules. We read and write calendar events with your explicit consent.
• Gmail API: Enables sending invoices and notifications from your connected Gmail account. We only send emails you explicitly initiate within the Service. We do not read, scan, or store the contents of your Gmail inbox.
• Google reCAPTCHA v3: Used via Firebase App Check to verify that requests originate from our app and prevent automated abuse. reCAPTCHA collects device and browser signals for fraud analysis, governed by Google's Privacy Policy and Terms of Service.
• Google Maps Distance Matrix API: Calculates mileage distances for the Mileage Tracker feature. Trip addresses are transmitted transiently for distance computation only.

7.5 Third-Party Terms

By using integrations, you acknowledge that you have read and agree to the applicable third-party terms:

Platform Terms of Service

• Google (YouTube, Calendar, Maps, Cloud Vision): https://policies.google.com/terms
• Meta: https://www.facebook.com/terms.php
• TikTok: https://www.tiktok.com/legal/terms-of-service
• Twitch: https://www.twitch.tv/p/en/legal/terms-of-service/

Service Provider Terms

• Plaid: https://plaid.com/legal
• Stripe: https://stripe.com/legal
• Anthropic: https://www.anthropic.com/terms
• Hunter.io: https://hunter.io/terms-of-service

8. Data Ownership and Privacy

8.1 Your Data

You retain all rights to Your Content and data. We do not claim ownership of any data you upload to the Service.

8.2 Data Usage

By using the Service, you grant us permission to:

• Store and process your data to provide the Service
• Use aggregated, anonymized data for analytics and service improvements
• Access your data as necessary for customer support

8.3 Privacy

Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

9. Service Availability and Modifications

9.1 Availability

We strive to provide reliable, uninterrupted service but do not guarantee:

• Continuous, uninterrupted access to the Service
• That the Service will be error-free or secure
• That defects will be corrected

9.2 Modifications

We reserve the right to:

• Modify, update, or discontinue features of the Service
• Change pricing with 30 days' notice
• Suspend the Service for maintenance with reasonable notice when possible

9.3 Scheduled Maintenance

We will endeavor to provide advance notice of scheduled maintenance that may affect Service availability.

10. Disclaimer of Warranties

11. Limitation of Liability

11.1 Exclusion of Damages

11.2 Cap on Liability

11.3 Basis of the Bargain

YOU ACKNOWLEDGE THAT THESE LIMITATIONS OF LIABILITY ARE AN ESSENTIAL ELEMENT OF THE AGREEMENT BETWEEN YOU AND CREATOR CRM, AND THAT THE SERVICE WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS.

12. Indemnification

You agree to indemnify, defend, and hold harmless The CCRM LLC and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Your Content uploaded to the Service

13. Termination

13.1 Termination by You

You may terminate your account at any time by:

• Cancelling your subscription through account settings
• Contacting us at support@stakdapp.com

13.2 Termination by Us

We may suspend or terminate your account immediately if you:

• Breach these Terms of Service
• Fail to pay subscription fees after notice
• Engage in fraudulent, illegal, or harmful activity
• Abuse or harass our staff or other users

13.3 Effect of Termination

Upon termination:

• Your right to use the Service ceases immediately
• We may delete your data after 30 days
• You may request a data export within 30 days of termination
• Provisions that by their nature should survive will survive (including Sections 6, 10, 11, 12, 14, 15, 18, 19, and 20)

14. Dispute Resolution

14.1 Informal Resolution

Before initiating any formal dispute resolution, you agree to first contact us at legal@stakdapp.com to attempt to resolve the dispute informally. We will attempt to resolve the dispute within 30 days.

14.2 Binding Arbitration

If informal resolution fails, any dispute arising from these Terms or the Service shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules.

• Location: Arbitration shall take place in Cuyahoga County, Ohio, or remotely at your election
• Arbitrator: One neutral arbitrator selected in accordance with AAA rules
• Costs: Each party bears its own costs; arbitration fees split equally
• Award: The arbitrator's decision is final and binding

14.3 Class Action Waiver

14.4 Exceptions

This arbitration agreement does not apply to:

• Claims for injunctive relief to prevent intellectual property infringement
• Small claims court actions (if eligible)

15. Governing Law

16. General Provisions

16.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and The CCRM LLC regarding the Service.

16.2 Severability

If any provision of these Terms is found unenforceable, the remaining provisions will continue in full force and effect.

16.3 Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

16.4 Assignment

You may not assign or transfer these Terms without our prior written consent. We may assign our rights and obligations without restriction.

16.5 Notices

We may provide notices to you via email, in-app notification, or posting on the Service. You may provide notices to us at legal@stakdapp.com.

17. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting the updated Terms on this page
• Updating the "Last Updated" date
• Sending an email notification for significant changes

Your continued use of the Service after changes constitutes acceptance of the modified Terms. If you do not agree to the changes, you must stop using the Service.

18. AI-Powered Features Disclaimer

18.1 Nature of AI Outputs

The Service includes AI-powered and algorithmically calculated features such as contract scanning, Perfect Pitch™ media kit generation, receipt OCR scanning, and CampaignValue™ Earned Media Value (EMV) calculations. You acknowledge and agree that:

• AI-generated outputs (including contract summaries, extracted data, and media kit content) are provided for informational and convenience purposes only
• AI outputs may contain errors, inaccuracies, or omissions and should not be relied upon as the sole basis for business or legal decisions
• You are responsible for reviewing and verifying all AI-generated content before use
• AI-extracted contract terms do not constitute legal advice and should be verified against the original contract documents
• CampaignValue™ EMV figures are estimates based on industry-standard advertising-equivalent rates and should not be treated as guaranteed valuations or binding price quotes

18.2 No Guarantee of Accuracy

18.3 Third-Party AI Providers

AI features are powered by third-party providers (Anthropic Claude API and Google Cloud Vision) whose services are subject to their own terms and limitations. These providers process your data transiently and do not use it for model training under their current API terms.

19. Tax and Financial Disclaimer

You acknowledge and agree that:

• All tax calculations, estimates, and reports are approximations and may not reflect your actual tax liability
• The IRS standard mileage rate used in calculations may change annually; we update rates periodically but do not guarantee they reflect the most current rate
• You are solely responsible for the accuracy of your tax filings and should consult a qualified tax professional (CPA, enrolled agent, or tax attorney) before making tax decisions
• Expense categorizations (including AI-assisted categories) are suggestions and may not align with IRS guidelines for your specific tax situation
• The CCRM LLC shall not be liable for any penalties, interest, or additional taxes resulting from reliance on information provided by the Service
• Bank transaction data imported via Plaid may require manual review and recategorization for tax purposes

We strongly recommend that you work with a qualified tax professional to review your financial records and tax filings. The Service is designed to help you organize and track your business finances, not to replace professional tax advice.

20. Beta Features and Early Access

20.1 Beta Features

From time to time, we may offer beta, preview, or early access features ("Beta Features"). By using Beta Features, you acknowledge and agree that:

• Beta Features are provided "as is" and may contain bugs, errors, or incomplete functionality
• Beta Features may be modified, suspended, or discontinued at any time without notice
• Data generated or stored through Beta Features may be lost or reset
• Beta Features may not be covered by our standard support or SLA commitments
• Your use of Beta Features may be subject to additional terms communicated at the time of enrollment

20.2 Feedback

If you provide feedback, suggestions, or ideas about Beta Features or any part of the Service ("Feedback"), you grant us a non-exclusive, worldwide, royalty-free, irrevocable, perpetual license to use, modify, and incorporate that Feedback into the Service without any obligation to you.

20.3 Limitation of Liability for Beta Features

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREATOR CRM SHALL HAVE NO LIABILITY FOR ANY DAMAGES ARISING FROM YOUR USE OF BETA FEATURES, INCLUDING BUT NOT LIMITED TO DATA LOSS, BUSINESS INTERRUPTION, OR INACCURATE OUTPUTS.