Legal

Terms of Service

Version 2.1.0 · Effective August 13, 2026

STACKING CASH — TERMS OF SERVICE
Last updated: May 2026
Version: 2.0

PARTIES AND ENTITY IDENTIFICATION
"Stacking Cash" is a trade name (doing business as, or "dba") of Migrate2.ai, LLC, a Delaware limited liability company ("Company"). All agreements, obligations, and legal relationships created by these Terms are between you and Migrate2.ai, LLC. References to "Stacking Cash" and "Company" throughout this document refer to Migrate2.ai, LLC.

By accessing or using the Stacking Cash platform ("Platform"), you ("User," "Agency," "Agent," "Client") agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Platform.

1. ACCEPTANCE OF TERMS
By creating an account, clicking "I Agree," or using the Platform, you acknowledge that you have read, understood, and agree to these Terms. If you are registering on behalf of a business entity, you represent that you have full legal authority to bind that entity to these Terms. You acknowledge that you are entering into a legally binding agreement with Migrate2.ai, LLC.

2. PLATFORM DESCRIPTION
Stacking Cash is a trade name of Migrate2.ai, LLC under which the Company operates a software-as-a-service (SaaS) platform providing contact management, lead import, human-initiated dialing, AI-assisted call coaching and transcription, communication tools, CRM automation, and related sales outreach tools for agencies, businesses, and sales professionals in the insurance industry and related fields. The Company is the "Service Provider." You are the "User," "Sender," and "Initiator" of all communications made through the Platform.

The Company does not initiate, direct, authorize, schedule, or control any communication you make through the Platform. All communications are solely your responsibility regardless of the level of AI assistance involved in generating, suggesting, or facilitating such communications.

3. LICENSE GRANT
Subject to your compliance with these Terms, Stacking Cash grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Platform solely for your internal business purposes in connection with lawful insurance sales and outreach activities. This license does not include any right to: sublicense or resell access to the Platform; modify, copy, or create derivative works of the Platform; reverse engineer, decompile, or disassemble any component of the Platform; use the Platform for any purpose other than those expressly permitted by these Terms; or transfer your account or access credentials to any third party without Stacking Cash's prior written consent.

This license terminates immediately upon any breach of these Terms or termination of your account.

4. INTELLECTUAL PROPERTY
(a) Platform Ownership
Stacking Cash and its licensors own all right, title, and interest in and to the Platform, including all software, code, user interfaces, AI models and systems, algorithms, designs, trademarks, trade names, and all other intellectual property embodied in or associated with the Platform. Nothing in these Terms transfers any ownership interest in the Platform to you.

(b) Your Data
You retain ownership of all contact data and content you import into the Platform. By importing data into the Platform, you grant Stacking Cash a limited license to process and use that data solely to provide Platform services to you, consistent with our Privacy Policy.

(c) Aggregated and Anonymized Data
Stacking Cash may collect and use data derived from your use of the Platform in anonymized and aggregated form — meaning data that cannot reasonably be used to identify you or any individual contact — for purposes including platform improvement, internal analytics, benchmarking, and product development. This right survives termination of your account.

5. USER RESPONSIBILITIES
You are solely responsible for:

(a) All communications initiated through the Platform, including calls, SMS messages, and emails, regardless of whether any AI Feature assisted in generating, drafting, or suggesting such communications;

(b) Ensuring you have obtained, and continue to maintain complete documentation of, proper legal authority and prior express written consent from each individual before contacting them through the Platform;

(c) Compliance with all applicable federal, state, and local laws and regulations, including but not limited to the TCPA, CAN-SPAM Act, FCC regulations, state do-not-call laws, STIR/SHAKEN requirements, and all state insurance department regulations governing insurance solicitation, agent licensing, and consumer contact;

(d) Maintaining and honoring all do-not-call registrations and opt-out requests across all channels — including text reply, email, phone call, voicemail, and any other reasonable method of revocation — as required under FCC regulations effective April 2025, including the National DNC Registry;

(e) The accuracy and completeness of all information provided to Stacking Cash;

(f) Ensuring all contact lists imported into the Platform were obtained through lawful means with proper, documented, one-to-one consent as required under applicable FCC regulations;

(g) Reviewing, evaluating, and approving all AI-generated outputs before acting on them or transmitting them to any third party;

(h) Maintaining the security of your account credentials and all activity conducted under your account.

6. ACCOUNT SECURITY
You are responsible for maintaining the confidentiality and security of your account login credentials. You agree not to share your credentials with any unauthorized third party. You are solely responsible for all activity that occurs under your account, whether or not authorized by you. You agree to notify Stacking Cash immediately at legal@stacking.cash if you become aware of any unauthorized access to or use of your account. Stacking Cash is not liable for any loss or damage arising from unauthorized access to your account resulting from your failure to maintain credential security.

7. PROHIBITED USES
You may not use the Platform to:

(a) Contact any individual without prior express written consent as required by the TCPA, FCC regulations, or applicable state or local law;

(b) Violate the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, or any applicable do-not-call or consumer protection regulations;

(d) Import, upload, store, or transmit protected health information ("PHI") as defined under HIPAA;

(e) Engage in deceptive, fraudulent, misleading, or abusive communications;

(f) Harass, threaten, or abuse any individual;

(g) Make false declarations to Stacking Cash regarding consent, compliance, or authorization;

(h) Share, transfer, or sell your account access or login credentials to any third party;

(i) Resell, sublicense, or otherwise commercialize access to the Platform without Stacking Cash's prior written consent;

(j) Reverse engineer, decompile, disassemble, or attempt to derive the source code of any component of the Platform;

(k) Scrape, crawl, or extract data from the Platform using automated means not authorized by Stacking Cash;

(l) Interfere with or disrupt the Platform, its infrastructure, or other users' access to the Platform;

(m) Use the Platform for any purpose other than lawful insurance sales and outreach activities, unless otherwise agreed in writing by Stacking Cash;

(n) Engage in any conduct that creates legal, regulatory, or reputational risk to Stacking Cash or its carriers.

Stacking Cash reserves the right to update this list of prohibited uses with fifteen (15) days' prior notice. Continued use of the Platform after such notice constitutes acceptance of the updated restrictions.

8. TCPA, FCC, AND COMMUNICATIONS COMPLIANCE
(a) Human-Initiated Communications
The Platform's dialing tools are designed to facilitate human-initiated, agent-controlled communications. Each call placed through the Platform requires a deliberate action by you or an authorized user of your account. The Platform does not autonomously place calls on your behalf. You are solely responsible for ensuring your use of the Platform's dialing tools does not constitute the use of an automatic telephone dialing system (ATDS) under applicable law, and for monitoring all regulatory developments affecting the classification of dialing technology under the TCPA and FCC rules.

(b) Automated Sequences and Campaigns
SMS, email, and other outreach automations available through the Platform are configured, activated, and deployed by you. You are the sole initiator of all communications triggered by automations you create or enable. The fact that a sequence or campaign runs automatically after you configure and activate it does not transfer initiator status or TCPA liability to Stacking Cash. You are responsible for ensuring all automated sequences comply with applicable law, including consent requirements, opt-out honoring, and timing restrictions.

(c) Consent Requirements
As of January 2026, updated FCC consent regulations require one-to-one consent for certain communications. You represent and warrant that every individual you contact through the Platform has provided direct, prior express written consent to be contacted by you specifically, in compliance with all applicable FCC regulations as amended from time to time.

(d) Opt-Out Compliance
You must honor all opt-out and consent revocation requests immediately and permanently, regardless of the channel through which revocation is received — including but not limited to text reply, email, phone call, voicemail, or any other reasonable method — as required under FCC regulations effective April 2025. You must maintain cross-channel opt-out synchronization so that a revocation received through one channel suppresses communications across all channels.

(e) You maintain complete records of all consents and will provide them to Stacking Cash or regulatory authorities upon request.

(f) You will monitor and comply with all FCC and applicable state regulatory updates affecting your use of the Platform.

9. AI-ASSISTED FEATURES
(a) Assistive Tools Only
The Platform incorporates AI-assisted features including call coaching, call transcription, script suggestions, lead scoring, CRM automation, outreach recommendations, and recruiting assistance tools (collectively, "AI Features"). All AI Features are tools to assist your decision-making and workflow. They do not constitute legal, compliance, financial, insurance, or professional advice of any kind. Stacking Cash makes no representation that AI-generated outputs are accurate, complete, or suitable for any specific purpose.

(b) Your Review Responsibility
You are solely responsible for reviewing, evaluating, and approving any AI-generated output — including suggested scripts, follow-up messages, lead scores, and automated sequence content — before acting on it or transmitting it to any third party. You may not rely on AI-generated outputs as a substitute for your own professional judgment or legal compliance review.

(c) AI-Assisted Communications Are Your Communications
The fact that an AI Feature suggested, drafted, assisted in generating, or triggered a communication does not alter your status as the sole initiator and sender of that communication for purposes of the TCPA, FCC regulations, CAN-SPAM Act, and all applicable state laws. All legal obligations applicable to communications you initiate apply equally to communications where AI assistance was involved.

(d) No Guarantee of Availability or Accuracy
AI Features are provided as-is. Stacking Cash does not guarantee the continuous availability, accuracy, reliability, or fitness for any specific purpose of any AI Feature. AI Features may be modified, updated, or discontinued at any time.

(e) State Insurance Compliance
AI-generated scripts, outreach content, and recruiting materials are generated by automated systems and have not been reviewed for compliance with the insurance solicitation laws, disclosure requirements, or licensing regulations of any specific state. You are solely responsible for ensuring that all AI-generated content you use in connection with insurance sales activities complies with applicable state insurance department regulations before use.

10. STATE INSURANCE REGULATION DISCLAIMER
The Platform is a technology tool designed to assist licensed insurance agents and agencies with outreach, contact management, and sales workflow. Stacking Cash is not an insurance company, insurance agency, or insurance compliance service. Stacking Cash does not represent, warrant, or guarantee that your use of the Platform complies with the insurance solicitation laws, anti-rebating rules, producer licensing requirements, disclosure obligations, or any other regulations administered by any state insurance department or regulatory authority.

You are solely responsible for ensuring your use of the Platform — including all communications, scripts, recruiting activity, and outreach campaigns — complies with all applicable state insurance department regulations in every state in which you operate. Stacking Cash's obligations under these Terms are limited to providing the technology Platform as described herein.

11. WARRANTY DISCLAIMER
THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, STACKING CASH EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO: IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT; WARRANTIES THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM HARMFUL COMPONENTS; WARRANTIES REGARDING THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY CONTENT, DATA, OR AI-GENERATED OUTPUT AVAILABLE THROUGH THE PLATFORM; AND WARRANTIES THAT THE PLATFORM WILL MEET YOUR SPECIFIC BUSINESS REQUIREMENTS OR PRODUCE ANY PARTICULAR RESULT. YOUR USE OF THE PLATFORM IS ENTIRELY AT YOUR OWN RISK.

12. ACCOUNT TERMINATION
Stacking Cash reserves the right to immediately terminate or suspend your account, without prior notice or refund, upon:

(a) Receipt of a TCPA complaint traceable to your account;

(b) Receipt of a carrier Traceback request related to your account;

(d) Any fraudulent, deceptive, or abusive conduct;

(e) Any conduct that, in Stacking Cash's sole discretion, creates legal, regulatory, or reputational risk.

Upon termination, your license to use the Platform terminates immediately. You have thirty (30) days from the date of termination to request an export of your imported contact data in accordance with our Privacy Policy. After this period, Stacking Cash has no obligation to retain or provide access to your data.

13. LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, STACKING CASH'S TOTAL LIABILITY TO YOU FOR ANY CAUSE OF ACTION SHALL NOT EXCEED THE FEES PAID BY YOU IN THE THREE (3) MONTHS PRECEDING THE CLAIM. STACKING CASH SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING REGULATORY FINES, TCPA STATUTORY DAMAGES, LEGAL FEES, CLASS ACTION SETTLEMENTS, OR ANY THIRD-PARTY CLAIMS, REGARDLESS OF THE THEORY OF LIABILITY AND WHETHER OR NOT STACKING CASH HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION APPLIES TO ALL CLAIMS ARISING FROM YOUR USE OF THE PLATFORM, INCLUDING CLAIMS ARISING FROM AI-GENERATED OUTPUTS, AUTOMATED SEQUENCES, OR AI-ASSISTED FEATURES. YOUR USE OF THE PLATFORM IS AT YOUR OWN RISK.

14. MODIFICATIONS TO TERMS
Stacking Cash reserves the right to modify these Terms at any time. We will provide no less than fifteen (15) days' prior notice of material changes via email to your registered address or through a notice on the Platform. Material changes take effect on the sixteenth (16th) day following notice. Non-material changes, including clarifications and formatting updates, take effect upon posting. Your continued use of the Platform after the effective date of any update constitutes your acceptance of the updated Terms.

15. FORCE MAJEURE
Stacking Cash shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including but not limited to carrier infrastructure failures, regulatory changes, acts of government, natural disasters, internet or telecommunications outages, or third-party service provider failures.

16. GOVERNING LAW AND DISPUTE RESOLUTION
(a) Governing Law
These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles.

(b) Binding Arbitration
Any dispute arising from or related to these Terms or your use of the Platform shall be resolved by binding arbitration in Wilmington, Delaware under the Commercial Arbitration Rules of the American Arbitration Association then in effect.

(c) Jury Trial Waiver
YOU EXPRESSLY WAIVE ANY RIGHT TO A JURY TRIAL WITH RESPECT TO ANY DISPUTE ARISING FROM OR RELATED TO THESE TERMS OR YOUR USE OF THE PLATFORM.

(d) Class Action Waiver
YOU EXPRESSLY WAIVE ANY RIGHT TO PARTICIPATE IN OR BRING A CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING WITH RESPECT TO ANY DISPUTE ARISING FROM OR RELATED TO THESE TERMS OR YOUR USE OF THE PLATFORM.

(e) Arbitration Opt-Out
You may opt out of the binding arbitration and class action waiver provisions in this Section by sending written notice of your opt-out decision to legal@stacking.cash within thirty (30) days of the date you first create an account or accept these Terms, whichever is earlier. Your opt-out notice must include your full name, account email address, and a clear statement that you are opting out of arbitration. If you opt out, disputes will be resolved in the state or federal courts located in Wilmington, Delaware, and you consent to personal jurisdiction in those courts. Opting out of arbitration does not affect any other provision of these Terms.

17. ENTIRE AGREEMENT
These Terms, together with the Master Service Agreement and Privacy Policy, constitute the entire agreement between you and Stacking Cash regarding the Platform and supersede all prior agreements, representations, and understandings.

Stacking Cash is a trade name (dba) of Migrate2.ai, LLC, a Delaware limited liability company. All legal obligations under these Terms are obligations of Migrate2.ai, LLC.