Terms of Service

These Terms of Service (the "Terms") form a binding legal agreement between you ("you" or the "user") and Verbic Holdings LLC ("Verbic Holdings LLC," "we," "us," or "our"), the operator of STACKED and the website at stackedsheet.com (together, the "Service"). By creating an account, subscribing, or otherwise accessing or using the Service, you agree to be bound by these Terms, our Privacy Policy, our Subscription & Refund Terms, and our Risk Disclaimer, each incorporated here by reference. If you do not agree, do not use the Service.

1. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Service. By using the Service you represent that you meet these requirements and that all information you provide is accurate. You are responsible for complying with all laws that apply to you, including any laws of your country or region governing access to trading-related tools.

2. What STACKED Is — and What It Is Not

STACKED is a software tool that lets you record your own trading activity and view metrics, charts, and analytics derived from the data you enter. It is intended for education, self-review, and record-keeping.

• The Service does not execute trades, connect to live brokerage funds to place orders, hold client money, or manage anyone's account.
• The Service does not provide investment, financial, tax, accounting, or legal advice, and no output constitutes a recommendation, solicitation, or offer to buy or sell any instrument.
• Sample, demonstration, and onboarding data shown in the Service is simulated and is provided for illustration only. Simulated results have inherent limitations and do not reflect actual trading or any promise of performance.
• Any figures, projections, scaling plans, or payout illustrations (including in add-on modules such as the Roadmap or the Structure) are hypothetical, depend entirely on inputs and assumptions, and are not guarantees of any result.

3. Accounts & Security

You must create an account to use most features. You are responsible for safeguarding your login credentials and for all activity that occurs under your account. Notify us promptly at fredrikemilverbic@gmail.com if you suspect unauthorized use. We are not liable for any loss arising from your failure to keep your credentials secure. You may not share, sell, or transfer your account, and you may not access the Service through automated means except as we expressly permit.

4. Subscriptions, Add-Ons & Payment

Access to STACKED is offered on a subscription basis, with optional paid add-on modules and bundles. Prices, billing cycles, cancellation, and our refund policy are set out in the Subscription & Refund Terms, which are part of these Terms. Payments are processed by our third-party payment processor; we do not store your full card details. By subscribing you authorize recurring charges until you cancel in accordance with those terms.

5. License & Restrictions

Subject to these Terms and your payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your own personal or internal business use. This license does not transfer any ownership. You agree that you will not, and will not permit anyone else to:

• copy, modify, translate, reverse-engineer, decompile, or create derivative works of the Service or any part of it, except to the extent this restriction is prohibited by law;
• resell, sublicense, rent, lease, distribute, or otherwise commercially exploit the Service or provide it as a service to third parties;
• scrape, harvest, or systematically extract data or content from the Service, or use it to build or train a competing product;
• circumvent, disable, or interfere with security, access controls, entitlement checks, or usage limits;
• upload malicious code, or use the Service in any way that harms, overburdens, or impairs it or interferes with any other user's enjoyment of it; or
• use the Service for any unlawful, fraudulent, or deceptive purpose.

6. Intellectual Property

The Service — including its software, source code, engine and calculation logic, design, layout, dashboards, charts, templates, text, graphics, the STACKED name and logo, and all related intellectual property — is owned by Verbic Holdings LLC or its licensors and is protected by copyright, trademark, trade-secret, and other laws. The STACKED name, wordmark, and logo are trademarks of Verbic Holdings LLC; you may not use them without our prior written permission. All rights not expressly granted to you are reserved.

7. Your Data & Content

You retain ownership of the trading records, notes, titles, settings, and other content you enter ("Your Data"). You grant us a limited license to host, store, process, and display Your Data solely to operate and improve the Service for you. You are solely responsible for the accuracy, legality, and backup of Your Data. We may use aggregated, de-identified data that cannot reasonably be linked to you to improve and analyze the Service. Our handling of personal data is described in the Privacy Policy.

8. Third-Party Services & Prop Firms

STACKED is independent and is not affiliated with, endorsed by, or sponsored by any brokerage, proprietary trading firm, exchange, or data provider, and no such firm is affiliated with, endorses, or sponsors STACKED. References to prop firms, evaluations, funded accounts, or payouts are for your own record-keeping and education only. Your relationship with any prop firm, broker, or other third party — including their rules, fees, evaluations, and payout decisions — is solely between you and them, and we have no responsibility for it. The Service may link to or integrate with third-party services (for example, a payment processor); your use of those is governed by their terms, not ours.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, VERBIC HOLDINGS LLC DISCLAIMS ALL WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. We do not warrant that the Service will be uninterrupted, error-free, secure, or that any calculation, metric, or output is accurate, complete, or suitable for any purpose. You are responsible for verifying anything you rely on. Any trading decision you make is made at your own risk and on your own judgment.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, VERBIC HOLDINGS LLC AND ITS OWNER, MEMBERS, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, TRADING LOSSES, LOST DATA, LOST OPPORTUNITY, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATING TO THE SERVICE, WHETHER IN CONTRACT, TORT, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT WILL OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE SERVICE IN THE THREE (3) MONTHS IMMEDIATELY BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US$100). Some jurisdictions do not allow certain limitations, so some of the above may not apply to you; in that case our liability is limited to the maximum extent permitted by law.

11. Indemnification

You agree to indemnify, defend, and hold harmless Verbic Holdings LLC and its owner, members, and affiliates from and against any claims, damages, liabilities, losses, and expenses (including reasonable legal fees) arising out of or related to your use of the Service, Your Data, your violation of these Terms, or your violation of any law or the rights of any third party (including any prop firm or broker).

12. Suspension & Termination

You may stop using the Service and cancel your subscription at any time as described in the Subscription Terms. We may suspend or terminate your access at any time, with or without notice, if we reasonably believe you have violated these Terms, created risk or legal exposure for us, or for any other legitimate business reason. On termination, your license ends and we may delete Your Data after a reasonable period, subject to the Privacy Policy and applicable law. Sections that by their nature should survive termination (including IP, disclaimers, limitation of liability, indemnification, and dispute terms) will survive.

13. Changes to the Service or Terms

We may modify, add, or remove features, and we may update these Terms from time to time. If we make material changes, we will take reasonable steps to notify you (for example, by posting the updated Terms with a new "Last updated" date or by email). Your continued use after changes take effect constitutes acceptance. If you do not agree to the updated Terms, you must stop using the Service.

14. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Wyoming, United States, without regard to conflict-of-laws rules. Except where prohibited by law, any dispute arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered in Wyoming under the rules of a recognized arbitration body, rather than in court, except that either party may bring an individual claim in small-claims court. You and we each waive any right to a jury trial and agree that disputes will be brought only in an individual capacity and not as a plaintiff or class member in any class or representative proceeding. If any part of this section is found unenforceable, the remainder stays in effect, and any claim not subject to arbitration will be brought exclusively in the state or federal courts located in Wyoming.

15. Miscellaneous

These Terms, together with the documents referenced in them, are the entire agreement between you and us regarding the Service. If any provision is held unenforceable, the rest remains in effect. Our failure to enforce any right is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. Nothing in these Terms creates any partnership, agency, or employment relationship.

16. Contact

Questions about these Terms may be sent to Verbic Holdings LLC at fredrikemilverbic@gmail.com.

STACKED is a product of Verbic Holdings LLC. Questions about these terms? Contact fredrikemilverbic@gmail.com.

© 2026 Verbic Holdings LLC. All rights reserved.