1. Information We Collect

Information You Provide

• Account information (name, email address, username, password)
• Profile information (store name, bio, avatar, social links)
• Payment information (processed by Stripe; we do not store full card numbers)
• Product listings and content you upload
• Communications with us (support emails, feedback)

Information Collected Automatically

• Device information (browser type, operating system, device identifiers)
• Usage data (pages visited, features used, clicks, time spent)
• IP address and approximate location
• Cookies and similar tracking technologies (see our Cookie Policy)
• Referral source and search terms

Information from Third Parties

• Authentication providers (Google OAuth profile data)
• Payment processors (transaction status, payout information)

2. How We Use Your Information

We use your information to:

• Provide, maintain, and improve our services
• Process transactions and send related information
• Create and manage your account
• Send technical notices, updates, security alerts, and support messages
• Respond to your comments, questions, and requests
• Monitor and analyze trends, usage, and activities
• Detect, investigate, and prevent fraudulent transactions and other illegal activities
• Personalize and improve your experience
• Comply with legal obligations

3. How We Share Your Information

We do not sell your personal information. We may share your information with:

• Service providers who perform services on our behalf (hosting, payment processing, analytics)
• Payment processors (Stripe) to facilitate transactions
• Professional advisers (lawyers, accountants, auditors) as needed
• Law enforcement or government agencies when required by law or to protect our rights
• Business transfer parties in connection with any merger, acquisition, or sale of assets
• Other users when you make information publicly available (store name, bio, products)

We may also share de-identified or aggregated information that cannot reasonably identify you.

4. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that are different from the laws of your country. By using our services, you consent to the transfer of your information to these countries.

5. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you with our services. We may also retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

When you delete your account, we will delete or anonymize your personal information within 30 days, except where we are required to retain it for legal, regulatory, or legitimate business purposes.

6. Your Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access your personal information
• Correct inaccurate or incomplete information
• Delete your personal information
• Restrict certain processing of your information
• Data portability (receive your data in a structured, machine-readable format)
• Object to processing of your information
• Withdraw consent at any time where processing is based on consent

To exercise any of these rights, contact us at help@stakk.store. We will respond to your request within 30 days.

7. California Residents (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act and the California Privacy Rights Act, including the right to know what personal information we collect, the right to delete your information, and the right to opt out of the sale of your information. We do not sell personal information.

8. EEA/UK Residents (GDPR)

If you are located in the European Economic Area or the United Kingdom, we process your personal information on the following legal bases: performance of a contract, legitimate interests, compliance with legal obligations, and your consent. You have the right to lodge a complaint with your local data protection authority.

9. Australian Privacy Act

We comply with the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth). You may access the personal information we hold about you by contacting us. If you believe that information we hold about you is inaccurate, out of date, incomplete, irrelevant, or misleading, you may request correction. If you wish to make a complaint about a breach of the APPs, please contact us and we will investigate and respond within 30 days. If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.

10. Children's Privacy

Our services are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us at help@stakk.store and we will delete such information.

11. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or method of electronic storage is 100% secure. We cannot guarantee absolute security.

12. Third-Party Links

Our services may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to read the privacy policies of any third-party services you visit.

13. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last Updated" date. Your continued use of our services after any changes constitutes your acceptance of the updated policy.

14. Contact Us

Stakk is operated by NATHAN FIELD, trading as STAKK STORE (ABN registered in Australia).

If you have questions about this Privacy Policy, contact us at:

• Email: help@stakk.store
• Website: stakk.store

1. Acceptance of Terms

By accessing or using Stakk ("the Platform," "we," "us," or "our"), operated by NATHAN FIELD ABN trading as STAKK STORE, including our website at stakk.store and any related services, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you may not use the Platform.

These Terms apply to all users of the Platform, including creators who sell products ("Sellers") and individuals who purchase products ("Buyers"). By creating an account or making a purchase, you represent that you are at least 18 years old and have the legal capacity to enter into a binding agreement.

2. Platform Role and Relationship

Stakk is a technology platform that connects Sellers and Buyers. Stakk is NOT a party to any transaction between Sellers and Buyers. All transactions are contracts solely between the Seller and the Buyer. Stakk facilitates these transactions by providing the marketplace infrastructure but makes no representations or warranties about any products sold on the Platform.

Nothing in these Terms creates a joint venture, partnership, employment, or agency relationship between you and Stakk. Sellers are independent operators and are not employees, agents, partners, or representatives of Stakk.

3. Account Registration and Responsibilities

To use certain features of the Platform, you must create an account. When you create an account, you agree to:

• Provide accurate, current, and complete information during registration
• Maintain and update your account information to keep it accurate
• Maintain the security of your password and account credentials
• Accept responsibility for all activity that occurs under your account
• Notify us immediately of any unauthorized access to your account

You may not create an account using false or misleading information, or on behalf of another person without their permission. Each person or entity may maintain only one Stakk account unless expressly authorized by us.

4. Seller Obligations

As a Seller on Stakk, you agree to:

• Sell only digital products and services that you have the legal right to sell, priced between $1 and $999
• Provide accurate product descriptions that truthfully represent what the Buyer will receive
• Deliver products promptly upon purchase unless otherwise clearly stated
• Comply with all applicable laws, including consumer protection, tax, intellectual property, and data protection laws
• Set and honor your own refund policy as communicated to Buyers
• Not engage in deceptive marketing, including misleading income claims, fake testimonials, or "get rich quick" schemes
• Not sell prohibited products or services as outlined in our Acceptable Use Policy

All responsibility for product quality, delivery, legality, accuracy of descriptions, and customer satisfaction rests entirely with the Seller. Stakk has no obligation to verify, review, or guarantee any products listed on the Platform.

5. Buyer Acknowledgments

As a Buyer on Stakk, you acknowledge and agree that:

• All purchases are made directly from the Seller, not from Stakk
• Stakk does not endorse, guarantee, or warrant any products sold on the Platform
• Refund policies are set by individual Sellers; Stakk has no obligation to issue refunds
• Any disputes regarding products are between you and the Seller
• You are responsible for evaluating the suitability of any product before purchasing

6. Payments, Fees, and Payouts

Stakk is free to use. There are no monthly subscription fees.

Transaction Fees: Stakk charges a 10% transaction fee plus $0.50 per sale, deducted from the Seller's payout. This fee includes all payment processing costs. There are no additional fees charged to Sellers.

All payments are processed through Stripe. By using Stakk's payment features, you agree to Stripe's Terms of Service. Stakk is not a payment processor and is not responsible for payment processing errors, delays, or failures.

Fee Changes: We may change our transaction fees with at least 30 days' advance notice.

7. Withholding and Chargebacks

Stakk reserves the right to withhold, delay, or reverse Seller payouts if:

• We suspect fraud, misrepresentation, or violation of these Terms
• A chargeback or dispute is initiated by a Buyer or payment processor
• We are required to do so by law or by our payment processor
• The Seller's account is under investigation

Chargebacks are the Seller's responsibility. If a Buyer initiates a chargeback, the disputed amount plus any associated fees will be deducted from the Seller's balance. If the Seller's balance is insufficient, the Seller is liable for the outstanding amount.

8. Intellectual Property

Sellers retain ownership of all content and products they upload to Stakk. By uploading content, you grant Stakk a non-exclusive, worldwide, royalty-free license to use, display, reproduce, and distribute your content solely as necessary to operate and promote the Platform.

Any feedback, suggestions, or ideas you submit to Stakk become the property of Stakk and may be used without compensation or attribution.

The Stakk name, logo, and all related marks are trademarks of Stakk. You may not use our trademarks without prior written consent.

9. Content Moderation and Enforcement

Stakk reserves the right, but has no obligation, to monitor, review, or remove any content on the Platform. We may take action against content or accounts that violate these Terms, including but not limited to:

• Issuing warnings
• Removing content or products
• Suspending or terminating accounts
• Withholding payouts
• Reporting violations to law enforcement

10. Account Termination

Stakk reserves the right to modify, suspend, or terminate any user's access to the Platform at any time, for any reason, with or without notice, at our sole discretion. We will not be liable to you or any third party for any modification, suspension, or termination of access.

You may terminate your account at any time. Upon termination, your right to use the Platform ceases immediately. Any pending payouts will be processed according to our standard payout schedule, subject to any holds or deductions.

11. Disclaimer of Warranties

THE PLATFORM AND ALL CONTENT, PRODUCTS, AND SERVICES AVAILABLE THROUGH THE PLATFORM ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, STAKK DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

STAKK DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. STAKK MAKES NO REPRESENTATIONS OR WARRANTIES ABOUT THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF ANY CONTENT, INFORMATION, OR PRODUCTS AVAILABLE ON OR THROUGH THE PLATFORM.

STAKK DOES NOT ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY ANY SELLER THROUGH THE PLATFORM.

Nothing in these Terms is intended to exclude, restrict, or modify any consumer guarantee or right that applies under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) or any other applicable law that cannot be excluded by agreement. To the extent that Stakk's liability cannot be excluded, Stakk's total liability to you is limited to re-supplying the relevant services or paying the cost of having the services re-supplied.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL STAKK, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION: LOSS OF PROFITS, DATA, BUSINESS OPPORTUNITIES, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE PLATFORM.

IN NO EVENT SHALL STAKK'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE PLATFORM EXCEED THE AMOUNT YOU HAVE PAID TO STAKK (NOT TO ANY SELLER) IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

THESE LIMITATIONS APPLY WHETHER THE LIABILITY IS BASED ON WARRANTY, CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND EVEN IF STAKK HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

13. Indemnification

You agree to indemnify, defend, and hold harmless Stakk and its officers, directors, employees, agents, and affiliates from and against any and all claims, demands, losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with:

• Your use of or access to the Platform
• Your violation of these Terms
• Your violation of any rights of another party, including any Buyer or Seller
• Any content or products you upload, sell, or distribute through the Platform
• Any dispute between you and a Buyer or Seller

14. Dispute Resolution

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Informal Resolution: Before initiating any formal proceedings, you agree to first contact us at help@stakk.store and attempt to resolve the dispute informally for at least 30 days.

Mediation: If the dispute cannot be resolved informally, the parties agree to attempt mediation administered by a mutually agreed mediator before commencing any court proceedings.

Arbitration: If mediation fails, any dispute arising out of or in connection with these Terms shall be referred to and finally resolved by arbitration in accordance with the Australian Centre for International Commercial Arbitration (ACICA) Arbitration Rules. The seat of arbitration shall be Sydney, New South Wales. The arbitration shall be conducted by a single arbitrator. The language of the arbitration shall be English.

Individual Claims: To the maximum extent permitted by law, you agree to bring claims against Stakk only in your individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding.

Nothing in this section prevents either party from seeking urgent injunctive or equitable relief from a court of competent jurisdiction.

Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred on you by the Australian Consumer Law or any other applicable law that cannot be excluded, restricted, or modified by agreement.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Australia and the State of New South Wales. Any legal proceedings not subject to arbitration shall be brought exclusively in the courts of New South Wales, Australia.

16. Electronic Communications

By creating an account, you consent to receive communications from us electronically, including emails, notifications, and messages within the Platform. You agree that all agreements, notices, and other communications provided electronically satisfy any legal requirement that such communications be in writing.

17. Changes to These Terms

We may update these Terms at any time. We will notify you of material changes by posting the updated Terms on this page and updating the "Last Updated" date. Your continued use of the Platform after any changes constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the Platform.

18. General Provisions

• Entire Agreement: These Terms, together with our Privacy Policy, Cookie Policy, Transaction Terms, and Acceptable Use Policy, constitute the entire agreement between you and Stakk.
• Severability: If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
• Waiver: No waiver of any term shall be deemed a further or continuing waiver of such term or any other term.
• Assignment: We may assign our rights and obligations under these Terms without your consent. You may not assign your rights or obligations without our prior written consent.

19. Contact Us

Stakk is operated by NATHAN FIELD, trading as STAKK STORE (ABN registered in Australia).

If you have questions about these Terms, contact us at:

• Email: help@stakk.store
• Website: stakk.store

1. What Are Cookies?

Cookies are small text files placed on your device when you visit a website. They help us recognize your device and store information about your preferences or past actions.

2. Types of Cookies We Use

Strictly Necessary Cookies

These cookies are essential for the Platform to function. They enable core features like authentication, security, and account access. You cannot opt out of these cookies.

• Authentication and session cookies
• Security cookies
• Load balancing cookies

Functionality Cookies

These cookies remember your preferences and settings to provide a more personalized experience.

• Language and region preferences
• Theme and display preferences
• Previously viewed products

Analytics Cookies

These cookies help us understand how users interact with the Platform so we can improve it.

• Page views and navigation paths
• Feature usage and engagement
• Error tracking and performance monitoring

Third-Party Cookies

Some cookies are set by third-party services we use:

• Stripe for payment processing
• Google for authentication and analytics
• Supabase for backend services

3. How to Manage Cookies

Most browsers allow you to control cookies through their settings. You can typically:

• View what cookies are stored on your device
• Delete all or specific cookies
• Block cookies from specific or all websites
• Block third-party cookies
• Accept or reject cookies on a case-by-case basis

Please note that disabling certain cookies may affect the functionality of the Platform.

4. Do Not Track

Some browsers include a "Do Not Track" feature. There is no industry standard for how companies should respond to Do Not Track signals. We do not currently respond to Do Not Track signals.

5. Changes to This Policy

We may update this Cookie Policy from time to time. We will notify you of any changes by posting the updated policy on this page.

6. Contact Us

If you have questions about our use of cookies, contact us at:

• Email: help@stakk.store

1. Overview

These Transaction Terms govern all purchases made through the Stakk platform. By making or accepting a purchase on Stakk, both Buyers and Sellers agree to these terms.

All transactions on Stakk are contracts solely between the Buyer and the Seller. Stakk acts as an intermediary platform and is not a party to any sale.

2. Seller Responsibilities

The Seller is solely responsible for:

• The accuracy of all product descriptions, images, and marketing materials
• The quality and delivery of all products sold
• Setting appropriate pricing (between $1 and $999 per product)
• Compliance with all applicable consumer protection laws
• Setting and communicating their own refund policy to Buyers
• Handling all customer inquiries and support related to their products
• Ensuring they have all necessary rights, licenses, and permissions to sell their products

The Seller warrants that all products listed comply with applicable laws and do not infringe on any third-party rights.

3. Refund Policy

Stakk does not set refund policies for Sellers. Each Seller is responsible for establishing and communicating their own refund policy. Stakk has no obligation to issue refunds on behalf of any Seller.

If a dispute arises regarding a refund, the Buyer must contact the Seller directly. Stakk is not involved in refund disputes and has no obligation to mediate, arbitrate, or issue refunds on behalf of any Seller.

4. Payment Processing

All payments are processed through Stripe. Stakk does not directly handle, process, or store payment card information. By making a purchase, you agree to Stripe's Terms of Service.

Stakk is not responsible for any errors, delays, or failures in payment processing caused by Stripe or any other third party.

5. Transaction Fees

Stakk charges a 10% transaction fee plus $0.50 per sale, deducted from the Seller's payout. This fee includes all payment processing costs. There are no additional fees charged to Sellers.

6. Seller Payouts

Payouts are processed according to Stakk's standard payout schedule. Stakk reserves the right to withhold, delay, or reverse payouts in the following circumstances:

• Suspected fraud or misrepresentation
• Chargeback or dispute initiated by a Buyer
• Violation of these Terms or any other Stakk policy
• Legal or regulatory requirement
• Account under investigation

7. Chargebacks

Chargebacks are the sole responsibility of the Seller. If a Buyer initiates a chargeback with their bank or card issuer:

• The disputed amount plus any associated fees will be deducted from the Seller's balance
• If the Seller's balance is insufficient, the Seller is liable for the outstanding amount
• Excessive chargebacks may result in account suspension or termination

8. Product Availability

Stakk does not guarantee that any product or content will always be available. Products may be removed by Sellers, accounts may be suspended, and the Platform may experience downtime. Stakk is not liable for any loss resulting from the unavailability of products or content.

9. Disputes Between Buyers and Sellers

Any dispute regarding a transaction is between the Buyer and the Seller. Stakk is not a party to such disputes and has no obligation to mediate or resolve them. Stakk may, at its sole discretion, choose to assist in dispute resolution but is under no obligation to do so.

By using the Platform, both Buyers and Sellers agree to hold Stakk harmless from any claims, losses, or damages arising from transactions on the Platform.

10. Contact Us

For transaction-related questions, contact us at:

• Email: help@stakk.store

1. Overview

This Acceptable Use Policy outlines what is and is not permitted on the Stakk platform. By using Stakk, you agree to comply with this policy. Violation may result in content removal, account suspension, or termination at our sole discretion.

2. Allowed Products and Services

Stakk is designed for selling digital products and services. Permitted products include:

• Digital downloads (ebooks, templates, guides, worksheets, checklists)
• Online courses and educational content
• Software, apps, plugins, and digital tools
• Design assets (graphics, fonts, icons, themes)
• Audio and video content (music, podcasts, stock footage)
• Digital art and photography
• Consulting and coaching services
• Membership and subscription content

All products must be priced between $1 and $999.

3. Prohibited Content and Products

The following are strictly prohibited on Stakk:

• Physical goods or products requiring physical shipment
• Illegal goods, services, or content in any jurisdiction
• Drugs, pharmaceuticals, or controlled substances
• Weapons, ammunition, or explosives
• Gambling or lottery-related products
• Multi-level marketing (MLM) or pyramid scheme content
• Counterfeit or unauthorized replicas of copyrighted works
• Adult, sexually explicit, or pornographic content
• Content promoting violence, terrorism, or self-harm
• Hate speech or content that discriminates based on race, ethnicity, gender, religion, sexual orientation, disability, or any other protected characteristic
• Personal information of others (doxxing)
• Malware, spyware, or any malicious software
• Stolen or pirated content
• Products that infringe on third-party intellectual property rights
• Financial instruments, securities, or cryptocurrency tokens

4. Prohibited Conduct

Users of Stakk may not:

• Harass, threaten, bully, or intimidate other users
• Impersonate any person or entity
• Use the Platform for any unlawful purpose
• Attempt to gain unauthorized access to any part of the Platform
• Interfere with or disrupt the Platform or its servers
• Scrape, crawl, or use automated means to access the Platform without permission
• Circumvent any security features or access controls
• Create multiple accounts to evade enforcement actions
• Manipulate reviews, ratings, or feedback
• Engage in price manipulation or market abuse

5. Deceptive Marketing Prohibition

The following marketing practices are prohibited:

• False or misleading income claims or earnings testimonials
• "Get rich quick" schemes or unrealistic promises of financial success
• Fake reviews, testimonials, or social proof
• Bait-and-switch tactics
• Hidden fees or undisclosed terms
• Negative option or forced continuity billing without clear disclosure
• Spam or unsolicited commercial communications

6. Intellectual Property

We respect intellectual property rights and expect our users to do the same. If you believe content on Stakk infringes your copyright or trademark, please contact us at help@stakk.store with:

• Description of the copyrighted or trademarked work
• Location of the infringing content on the Platform
• Your contact information
• A statement that you have a good faith belief the use is not authorized
• A statement under penalty of perjury that your claim is accurate

7. Reporting Violations

If you encounter content or conduct that violates this policy, please report it to help@stakk.store. Include as much detail as possible, including links to the offending content and a description of the violation.

We take reports seriously but reserve the right to reject bad-faith or frivolous reports.

8. Enforcement

Stakk may take any of the following actions in response to violations, at our sole discretion:

• Issue a warning
• Remove or disable offending content
• Temporarily suspend account access
• Permanently terminate the account
• Withhold or reverse payouts
• Report the violation to law enforcement

We are not required to provide advance notice before taking enforcement action. Our decision on enforcement actions is final.

9. Appeals

If you believe an enforcement action was taken in error, you may submit an appeal by emailing help@stakk.store within 14 days of the enforcement action. Include your account details and a clear explanation of why you believe the action was incorrect. We will review appeals and respond within 10 business days. Our decision on appeals is final.

10. Changes to This Policy

We may update this Acceptable Use Policy at any time. Changes take effect immediately upon posting. Your continued use of the Platform constitutes acceptance of any changes.

11. Contact Us

Questions about this policy:

• Email: help@stakk.store