Terms of Service

Effective Date: February 19, 2026

1. Acceptance of Terms

By downloading, installing, or using the Stakk mobile application (“the App”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, do not use the App.

2. Description of Service

Stakk is a free digital ID wallet application for Android that allows you to scan, encrypt, store, and present personal identification cards on your mobile device. The App processes all data locally on your device and does not transmit personal information to any external server.

3. User Responsibilities

You must be at least 13 years of age to use the App. By using the App, you represent that you are at least 13 years old and agree that you will:

Use the App only for lawful purposes and in accordance with applicable law
Take responsibility for maintaining the security of your device and App PIN
Not attempt to reverse-engineer, decompile, or tamper with the App
Not use the App to store or present fraudulent, altered, or counterfeit identification
Not use the App in any way that could harm other users or third parties

4. Data Ownership

All data you store within the App belongs to you. Because all data is stored exclusively on your device, we do not access, process, or retain any of your information. You are solely responsible for managing and protecting the data stored within the App.

5. License Grant & Intellectual Property

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to download, install, and use the App on a single mobile device that you own or control, solely for your personal, non-commercial purposes.

All intellectual property rights in the App, including but not limited to the source code, design, graphics, user interface, and documentation, remain the exclusive property of Joseph Koller. The Stakk name, logo, and associated branding are trademarks of Joseph Koller. You may not use these marks without prior written consent.

6. No Warranty

The App is provided “as is” and “as available” without warranty of any kind, express or implied. We make no warranty that the App will be error-free, uninterrupted, or free of viruses or other harmful components. We do not warrant that the App will meet your specific requirements.

7. Limitation of Liability

To the maximum extent permitted by applicable law, Stakk and its developers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of data, loss of profits, or any other damages arising out of or related to your use of the App, even if we have been advised of the possibility of such damages.

In no event shall our total aggregate liability to you exceed ten dollars ($10 USD) or the total amount you paid for the App in the twelve (12) months preceding the claim, whichever is greater.

Because Stakk stores data exclusively on your device, you are responsible for maintaining backups of any data you consider important.

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations may not apply to you. In such jurisdictions, our liability shall be limited to the fullest extent permitted by law.

8. Acceptable Use

You agree not to use the App to:

Engage in any fraudulent or deceptive activity, including presenting altered or forged identification
Violate any applicable local, state, national, or international law or regulation
Infringe upon the intellectual property rights of others
Distribute malware or other harmful software
Attempt to gain unauthorized access to any system or network

9. Indemnification

You agree to indemnify, defend, and hold harmless Joseph Koller and any affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:

Your use or misuse of the App
Your violation of these Terms
Your violation of any third-party rights
Any content you store within the App

10. Termination

You may terminate your use of the App at any time by uninstalling it from your device. Uninstalling the App removes all associated data from your device.

We reserve the right to terminate or restrict your access to the App at any time, for any reason, without prior notice. Upon termination, the following sections survive: Limitation of Liability, Indemnification, Governing Law, Dispute Resolution, and Intellectual Property.

11. Dispute Resolution

Informal Resolution: Before filing any formal dispute, you agree to contact us through our support page and attempt to resolve the dispute informally for at least thirty (30) days.

Binding Arbitration: If informal resolution fails, any dispute arising out of or relating to these Terms or the App shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. Arbitration shall take place in the State of Florida.

Class Action Waiver: You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration.

Small Claims Exception: Notwithstanding the above, either party may bring an individual action in small claims court for disputes within that court's jurisdiction.

12. Modifications to the App

We reserve the right to modify, suspend, or discontinue the App, or any feature thereof, at any time with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the App.

13. Changes to These Terms

We may update these Terms from time to time. When we do, the effective date at the top of this page will be updated. Your continued use of the App after any changes constitutes your acceptance of the revised Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of Florida, without regard to its conflict of law provisions.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, it shall be severed from these Terms. The remaining provisions shall continue in full force and effect.

16. Entire Agreement

These Terms of Service, together with the Privacy Policy, constitute the entire agreement between you and Joseph Koller regarding your use of the App and supersede all prior agreements, understandings, and communications, whether written or oral.

17. No Waiver

The failure of Joseph Koller to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by Joseph Koller.

18. Assignment

Joseph Koller may assign or transfer these Terms, in whole or in part, without restriction and without your consent. You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent.

19. Contact

If you have any questions about these Terms, please reach out through our support page. A dedicated support email will be available soon.