Terms and Conditions
Invacia Labs Private Limited (hereinafter referred to as "Company") is a company incorporated under the Companies Act, 2013,
CIN: U72900HR2019PTC080074 having registered office at V-18/3, first floor, DLF phase 3, Gurgaon-122002, Haryana, India. Invacia
Labs Private Limited is an AMFI Registered ARN Holder has developed and solely
operate mobile applications (“App”, which expression shall include future releases of the application) and websites
under brand names Stack Finance. Stack Finance is committed to operating its website and mobile applications with the highest
ethical standards and appropriate internal controls.
Please note that your visit, use of or access to our websites
and mobile applications (collectively referred to as “Services” or “Application”) are subject to the following terms; if you do
not agree to all of the following, you may not use or access the Services in any manner.
Please read on to learn the rules and restrictions that govern your use of our Services. These Terms and Conditions (the
“Terms”) are a binding contract between you and Stack Finance. If you have any questions, comments, or concerns regarding these
terms or the Services, please contact us at
You must agree to and accept all of the Terms, or you don’t have the right to use the Services. Your using the Services in any
way means that you agree to all of these Terms, and these Terms will remain in effect while you use the Services. These Terms
include the provisions mentioned below, as well as those in the
You are aware and you accept that all information, content, materials, products on the application is protected and secured.
Except for your own personal and non-commercial use, you agree that you shall not copy, reproduce, sell, redistribute,
publish, enter into a database, display, perform, modify, transmit, license, create derivatives from, transfer or in any way
exploit any part of any information, content, materials, services available from or through the application.
You agree that you will not use the application for any purpose that is unlawful or prohibited by these Terms. You also
agree you will not use the application in any manner that could damage, disable or impair the application or interfere with
any other party’s use, legal rights, or enjoyment of the application.
You acknowledge that the software and hardware underlying the application as well as other Internet related software which
are required for accessing the application are the legal property of either Stack Finance or its respective third-party
vendors. The permission given by Stack Finance to access the application will not convey any proprietary or ownership rights
in the above software/hardware. You agree that you shall not attempt to modify, translate, disassemble, decompile or reverse
engineer the software/hardware underlying the application or create any derivative product based on such software/hardware.
You understand and accept that not all the products and services offered on this application are available in all geographic
areas and you may not be eligible for all the products or services offered by Stack Finance on the application. Stack
Finance reserves the right to determine the availability and eligibility for any product or service offered on the
You understand and accept that Stack Finance is not responsible for the availability of content or other services on third
party sites linked from the application. You are aware that access of hyperlinks to other internet sites are at your own
risk and the content, accuracy, opinions expressed, and other links provided by these sites are not verified, monitored or
endorsed by Stack Finance in any way. Stack Finance does not make any warranties and expressly disclaims all warranties
express or implied, including without limitation, those of merchantability and fitness for a particular purpose, title or
non-infringement with respect to any information or services or products that are available or advertised or sold through
these third-party platforms.
If performance is prevented, hindered or delayed by a Force Majeure event (as defined below), Stack Finance shall not be
liable for any failure to perform any of its obligations under these terms and conditions or those applicable specifically
to its services/facilities, and in such case its obligations shall be suspended for so long as the Force Majeure event
continues. “Force Majeure Event” means any event, due to any cause beyond the reasonable control of Stack Finance, including
without limitations, unavailability of any communication systems, breach, or virus in the digital processes or payment or
delivery mechanism, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any
kind, riots, insurrection, war, acts of government, lockdown, computer hacking, unauthorised access to computer data and
storage devices, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious,
destructive or corrupting code or program, mechanical or technical errors/failures or power shut down, faults or failures in
By using the services provided through this application, you shall be deemed to have accepted the Terms and Conditions
herein including the amended terms and conditions published on the application from time to time.
By using the services provided through this application, you shall be deemed to have accepted the Terms and Conditions herein
including the amended terms and conditions published on the application from time to time.
(a) You are 18 years of age or older and where you are acting as Guardian on behalf of a minor, you have the necessary authority
to register/sign up for the services on behalf of the minor. If Stack Finance learns that we have collected personal information
from a person under age 18, we will delete that information as quickly as possible. If you believe that a person under 18 may
have provided us with personal information, please contact us at firstname.lastname@example.org
information you provide when you register on the application is true and correct. In the event, your information is not
accessible online and you wish to change or delete your personal information or other information that you may have provided,
please contact us immediately at
(c) Stack Finance may contact you by phone and/or E-mail and/or SMS or any other form of electronic communication in connection
with your registration, advisory and transactions. You can always opt to stop receiving any or all such communications by
email@example.com. You can also delete your account at any point of time by
writing to firstname.lastname@example.org.
(d) Terms and Conditions pertaining to Stack Coins/ offers/ rewards for services offered by Stack Finance and/or through its
affiliates or partners:
Stack Coins is a program run by the Company that enables users to redeem coins into cash, as per the declared conversion value
within the app from time to time. The user is entitled to receive coins through various modes, including through making
purchases within the app, availing partners’ services, and/ or any other mode as described by the Company within the app.
You must agree to the Stack Coins/ offers/ rewards terms and conditions, to participate and win rewards and other offers as
available within the app. You agree that your participation in the offer constitutes your understanding of and agreement to
offer terms and conditions. The offer terms and conditions form a binding legal agreement between you and Stack Finance with
respect to the offers, and any undefined terms used in the offer terms and conditions shall have the meaning set forth in
terms and conditions. Stack Finance reserves the right, at its sole discretion, to disqualify any user who does not meet the
offer requirements or in case of reasons including but not limited to any misuse of the offer or fraud or suspicious
transaction/activity or under any legal requirement or applicable rules and regulations. Stack Finance also reserved the right
to discontinue or change any offer or reward or the Stack Finance offer programme at any time, at its sole discretion.
Offers provided to a particular user may vary from user to user. Please read the offer terms and conditions applicable to your
offer as provided in your Stack Finance app carefully.
(e) In case of a service being provided through its affiliate or partners;
You acknowledge and agree that the Company acts as the Merchant/Service Provider’s agent for the limited purpose of collecting
interest from you on behalf of the Merchant/Service Provider and share your contact details with the Merchant/ Service
Provider.You acknowledge and agree that the Company acts as the Merchant/Service Provider’s agent for the limited purpose of
collecting interest from you on behalf of the Merchant/Service Provider and share your contact details with the Merchant/
The prices/ fees reflected on the Merchant/Service Provider’s Website are determined solely by the Merchant/Service Provider.
Prices/ fees may change and such change of price are at the sole discretion of the Merchant/Service Provider and beyond the
- The Merchant/Service Provider shall be solely responsible for any warranty and or guarantee of the service provided and in
no event shall it be the responsibility of the Company.
The transaction is bilateral between the Merchant/Service Provider and the user and therefore, the Company will not be liable
charge or deposit any taxes applicable on such transaction.
You acknowledge that, in the course of your relationship with Stack Finance and in using the Services, you may obtain
information relating to the Services and/or Stack Finance(“Proprietary Information”). Such Proprietary Information shall belong
solely to Stack Finance and includes, but is not limited to, the features and mode of operation of the Services, trade secrets,
know-how, inventions (whether or not patentable), techniques, processes, programs, ideas, algorithms, schematics, testing
procedures, software design and architecture, computer code, internal documentation, design and function specifications, product
requirements, problem reports, analysis and performance information, benchmarks, software documents, and other technical,
business, product, plans and data. In regard to this Proprietary Information:
You shall not use (except as expressly authorized by this Agreement) or disclose Proprietary Information without the prior
written consent of Stack Finance unless such Proprietary Information becomes generally publicly available without your breach
of this Agreement.
- You agree to take reasonable measures to maintain the Proprietary Information and Services in confidence.
Use and Protection of Intellectual Property Rights
Stack Finance is protected by copyright, trademarks, patents, trade secret and/or other intellectual property laws. No
information, content or material from the application may be copied, reproduced, republished, uploaded, posted, transmitted or
distributed in any way without Stack Finance’s express written permission. You are hereby given a limited licence to use the
application, subject to your agreement of these Terms.
Limitation of Liability, Indemnity, and warranty:
In no event shall Stack Finance be liable to you for any loss or damage that may cause or arise from or in relation to these
terms and conditions or due to use of this application or due to investments made using this application.
You agree to indemnify Stack Finance, its directors and employees for all the liabilities (including claims, damages, suits
or legal expenses in defending itself in relation to the foregoing) arising due to non-performance and/or non-observance of
the duties and obligations under these terms and conditions or due to your acts or omissions.
You warrant that all the details and information provided by you to Stack Finance while using this application (including for
the purposes of carrying out investments) shall be correct, accurate and genuine.
Further, you shall be solely responsible for any investment decision taken by you on the Services and Stack Finance shall not
be liable for any loss or damage caused to you or other users of this application due to such investment decision, or any kind
of reliance upon it.