Terms of Use
These proposed terms cover Stoke’s website, public tools and financial planning application. Stoke is currently operated by Joseph personally, rather than an LLC, for the US market. Joseph is the support contact at joseph@stokemoney.com. The recommended initial eligibility is US adults aged 18 or older who have reached the legal age of majority where they live. Final legal identity disclosures, eligibility wording, governing law and an effective date remain part of launch review.
Your account and authorized data
Use a current email address and protect access to your email and Google account. Connect only financial accounts you have authority to access, and include other people’s data in a workspace only with appropriate authority. You are responsible for reviewing account membership, corrections and assumptions. Shared workspace records may remain available to its other members when one member leaves.
Do not use Stoke unlawfully, impersonate another person, bypass access controls, extract another workspace’s information, interfere with the service or misuse its public forms. Stoke branding, software and site content remain subject to their applicable ownership and licences; these terms do not transfer ownership of your financial records to Stoke.
What the planning tools support
Stoke supports ongoing accumulation planning with connected or manually entered records. A projected date is a conditional estimate from the selected wealth, spending, contributions and other assumptions. It is not a guaranteed return, retirement date or determination that you can retire safely. Missing, stale or incomplete provider data can change or withhold the answer.
Stoke does not place trades, move money or provide individualized investment, tax or legal advice. The accumulation model does not provide a comprehensive tax, healthcare, access-to-funds or retirement drawdown plan. Separately labelled withdrawal tools also depend on their stated assumptions. Review material decisions with a qualified adviser.
Provider coverage and financial-model currency support are limited to the sources and inputs shown in the app; a billing currency does not establish supported financial-account currencies or customer geography. Do not combine unsupported currencies as if they were converted. Correct your inputs or contact support when the available view does not fit your situation.
Basic and recurring Pro subscriptions
Basic includes core planning and manual account entry. Pro adds scenario exploration and the separately labelled withdrawal analysis. Compare plans for current monthly and yearly catalog prices, currency and billing cadence. Connection availability depends on providers; the enrollment count shown in Billing is not a promise of unlimited connections or a guaranteed enforced quota.
The proposed offer is a recurring Pro subscription billed at the interval you choose. Review Stripe checkout for the actual amount and terms before authorizing payment. Catalog prices and monthly equivalents are not upcoming invoices and may differ from a particular invoice because of discounts, tax or subscription changes. Account and workspace entitlements come from server-confirmed subscription status, not a checkout return page.
Cancellation and refund requests
Open Billing and choose Manage billing & invoices to inspect available Stripe portal actions. If cancellation is unavailable or unclear, email Joseph for assistance. Check the confirmed subscription status and end date; opening a portal or sending an email does not itself confirm cancellation. Deleting a login and cancelling a subscription are different tasks; contact support if either outcome is uncertain.
Proposed refund approach: contact Joseph for case-by-case review, with no guaranteed outcome or automatic prorated refund. Cancellation timing, refund terms and any applicable consumer rights must be confirmed before publication. This draft does not waive statutory rights or establish a final refund policy.
Availability and third-party services
Connections, payments, authentication and email depend on third-party services. An institution may require reconnection, provide limited history or stop responding. Stoke cannot guarantee uninterrupted access or complete provider data. Review source status in Connections before relying on a figure. Joining the waitlist requests launch updates; it does not guarantee access or provider support.
Support, data and leaving
Help explains sign-in, connection repair, account scope and plan changes. Email Joseph from your login address for data or deletion requests. Identity, workspace authority and available scope must be confirmed first. Transaction CSV exports are available for assisted fulfillment; they are not a complete account archive. Shared records, backups and independent processor records require separate consideration. See the Privacy Policy for the current processing description.
Founder approval and appropriate legal review must settle the operator, eligibility, governing law, liability/warranty provisions, effective date and how future changes are communicated before this draft becomes effective.