Terms of Service

1. Acceptance of these terms

These Terms of Service ("Terms") govern your access to and use of Cash Stash (the "Service"). By creating an account, using the Service, or ticking the agreement boxes at checkout, you agree to be bound by these Terms. If you do not agree, do not use the Service.

Ticking the Privacy Policy and Terms of Service boxes on the Pricing page forms a binding electronic agreement between you and us; we record that acceptance and provide you a downloadable receipt from your Dashboard.

2. Who we are

Cash Stash is a service of Digitalsurfing Limited (Trading as Cash Stash). Contact: ds@digitalsurfing.co.uk.

3. The Service

Cash Stash lets you arrange messages and money to be sent in the future, by rules you set: scheduled emails and text messages, digital cash held in a Cash Stash wallet, future tasks that recipients complete with evidence before money is released, check-ins and a Dead Man's Switch, trusted contacts who can confirm your passing, and a Digital Will that records your settings. The Service is provided online at cashstash.co.uk.

Digital cash features include Cash Stash wallets for the assets listed in clause 10.3, deposit detection, sending money back to its sender, optional staking or yield, and scheduled or after-death transfers. Clauses 10, 11 and 11A apply whenever you use those features.

4. Eligibility

You must be at least 18 years old and able to enter a binding contract under the law of England and Wales. You must give accurate registration information and keep it up to date.

5. Account and security

You are responsible for the activity on your account and for keeping your sign-in credentials safe. Notify us immediately if you suspect unauthorised access.

6. Acceptable use

You agree not to:

• Use the Service to impersonate another person or misrepresent your identity.
• Upload content that is unlawful, defamatory, harassing, infringing of third-party rights, sexually explicit involving any person, or that targets a real, identifiable person without their consent.
• Use AI features to generate content that depicts minors sexually, instructs on the creation of weapons or other harmful uplift, plans violence, coordinates harassment, generates fraud or scam material, or produces deceptive political or health misinformation.
• Attempt to extract, scrape or distil our models, prompts or other users' content, or reverse-engineer the Service.
• Use the Service to send spam or unsolicited messages, or to evade rate limits and abuse controls.
• Interfere with the security, integrity or availability of the Service.
• Resell, sub-licence or expose the Service to third parties beyond what your plan permits.

We may remove content or suspend accounts that breach this clause and, where required, report unlawful content to the competent authorities.

7. Your content and the licence you grant us

You keep all rights in the messages, attachments and other content you add ("User Content"). You grant Digitalsurfing Limited a non-exclusive, worldwide, royalty-free licence to store, copy, transmit and process your User Content solely as needed to operate the Service as you direct — for example, to deliver your scheduled messages and future tasks to the people you choose.

You warrant that you have the rights necessary to add your User Content and to grant this licence, and that doing so does not infringe any third party's rights. Your User Content is private: we do not publish it or analyse it for research.

8. Release after your passing

The Service includes features designed to operate after your death — scheduled messages, money rules and future tasks released after your passing is confirmed by missed check-ins, trusted contacts or your executor. By configuring these features you give us a standing instruction to act on the rules you set. You can change or revoke these instructions at any time while you are alive.

9. Cash Stash Digital Will (supplement to your Will)

9.1 What it is. The Cash Stash Digital Will is a PDF you can generate from your Dashboard that lists the Cash Stash settings you have configured (scheduled messages, money rules, future tasks, trusted contacts, check-ins and death-detection methods) and is signed by you and two witnesses, each with their date and location.

9.2 Purpose. The Digital Will is intended to provide written, witnessed evidence that the settings on your Cash Stash account reflect your genuine wishes, so that after your death no other person can credibly claim the right to shut down, alter, or override those settings.

9.3 Supplement to any other Will. The Declaration is intended to function as an additional component alongside any other valid Will, codicil, lasting power of attorney, or estate document you may have. It does not replace them. Where the Digital Will and a formally executed Will conflict, your Will governs your property and legal estate; the Digital Will governs only the operation of your Cash Stash account.

9.4 Not legal advice. Cash Stash does not provide legal advice, does not verify the identity of witnesses, and does not guarantee that the Digital Will will be treated as a testamentary instrument in every jurisdiction. You are encouraged to consult a qualified legal professional in your own jurisdiction about how the Digital Will fits with the rest of your estate planning.

9.5 Storage and release. The signed PDF is stored privately in your account and is released or referenced under the release procedures described in clause 8.

9.6 Revocation and replacement. Generating and uploading a new signed Digital Will supersedes any earlier one. You can also revoke a Digital Will at any time from your account while you are alive.

10. Digital assets and wallets

10.1 Software service, not a bank. Cash Stash is software for scheduling transfers. We are not a bank, broker, exchange, investment adviser or e-money issuer. We do not hold customer pounds or dollars and do not lend your assets.

10.2 Wallets are held for you (custodial). Cash Stash wallets are Privy “app-managed server wallets”. Privy Inc. (part of the Stripe group) stores each wallet's key as split shares and rebuilds it only inside a hardware-isolated secure enclave to sign. Cash Stash's server is the only party that can instruct Privy to sign, and does so only when your release rules, authenticator confirmation and any proof checks are satisfied. No additional Privy signing keys, approval quorums or Privy spending policies are enabled. You do not hold a private key or seed phrase for these wallets. Recipients are set by you; a Cash Stash administrator may only correct a recipient's email address. Cash Stash pauses pending releases while an urgent case is open (clause 12C.3). Privy's terms and security model apply in addition to ours. Wallets you verify as destinations (for example a recipient's own wallet) remain controlled by their owner. The current configuration is published on our Trust & Security page.

10.3 Supported assets and what you can do with them. Only the assets below are supported. We may add, change or remove assets with notice; nothing here is a commitment to support an asset forever.

Bitcoin (in any form, including cbBTC), Tether (USDT), Euro Coin (EURC) and any other token are not supported. Anything else sent to a Cached Cash wallet is not tracked, scheduled or released and may be unrecoverable.

10.4 Blockchain transfers cannot be reversed. Once a transaction is sent, Cash Stash cannot reverse, claw back or reissue it. You are responsible for checking destination addresses, networks and amounts.

10.5 Deposits and sending money back. Our deposit scanner uses public network services and may miss, delay or misclassify transactions. "Send back to sender" makes a new transfer to the address the deposit came from; for ETH and SOL a small network-fee allowance is deducted, and for USDC Cash Stash pays the fee. The sending address may belong to an exchange rather than a person, in which case the returned money may not reach the person who sent it.

10.6 Staking and yield. ETH may be staked through Lido and SOL delegated to a public validator; USDC may be placed in a yield vault. Returns are variable, not guaranteed, and may be zero. These carry smart-contract, validator, slashing and withdrawal-delay risks (typically 1–5 days for ETH and 2–4 days for SOL). Cash Stash does not guarantee principal, returns or timing.

10.7 Scheduled and after-death transfers. Money rules execute automatically once their conditions are met. You are responsible for keeping the wallet funded and your recipients, fallback person, trusted contacts and death-detection settings current. Staked funds are unstaked ahead of a release on a best-efforts basis; we do not guarantee they will be available in time.

10.8 Network fees. Every blockchain transfer has a network (gas) fee. For ETH and SOL transfers, the fee is paid from the wallet's own balance. For USDC on Base, ETH staking, USDC yield deposits and moving USDC from Ethereum to Base, Cash Stash pays the network fee; moving USDC from Ethereum to Base also has a third-party routing charge of about 0.2%. Lido keeps about 10% of ETH staking rewards.

10.9 Cash Stash platform fees. Cash Stash charges:

• Bank payouts: 1% (0.5% for payouts of 1,000 or more), added on top of the amount the recipient receives (automatic collection not yet switched on).
• Staking rewards (ETH and SOL): 1% of rewards only — never your staked principal.
• USDC yield: 10% of the yield earned.

For example, a US$100 bank payout means the recipient receives US$100 and the sender's total is US$101, and a US$1,000 bank payout (charged at the reduced 0.5% rate) means the sender's total is US$1,005. These fees are in addition to the network and third-party fees in clause 10.8. We will give at least 30 days' notice before changing them.

10.10 Taxes, compliance and no insurance. You are responsible for any tax, reporting or sanctions obligations arising from your crypto activity, and warrant that you are not in, or dealing with, a sanctioned country or person. Crypto assets are not protected by the FSCS or any similar scheme. Nothing in the Service is investment, tax or legal advice, and crypto assets can lose value rapidly.

10.11 Why USDC on Base is the only stablecoin. We do not support Tether (USDT) or Euro Coin (EURC): (a) Tether does not issue USDT directly on Base, so USDT there is a bridged copy depending on extra third-party systems, with added risk of loss or freezing, and Tether publishes less detailed reserve reporting than USDC's issuer; and (b) EURC has far lower trading volume, cannot be bought by card or earn yield through the Service, and cannot be paid out through our current providers.

10.12 Why Bitcoin is not supported. Native Bitcoin runs on its own network, which our wallet and release systems do not support, and tokenised versions (such as cbBTC on Base) depend on outside companies whose custody and backing we cannot control or verify. Supporting Bitcoin reliably would need infrastructure and third-party dependencies too difficult to manage to the standard our scheduled and after-death releases demand, so we consider it too risky to offer. Bitcoin cannot be bought, held, tracked, staked, scheduled or released through the Service.

11. Legal claims against custodied funds

11.1 No contest of valid claims. Where a third party asserts a legal claim (for example a probate grant, court order, estate administrator request, regulatory order, or successor-in-interest claim) over funds held in a Privy MPC wallet provisioned through Cash Stash, neither Cash Stash nor, to the extent within our control, Privy will mount a legal contest against a claim that is determined to be valid. Our role is limited to qualifying the validity of the claim against the documentation provided.

11.2 Validation and qualification. We will assess each claim on its face: confirming identity of the claimant, authenticity of supporting legal instruments, scope of authority granted by those instruments, and consistency with the account owner's recorded posthumous-release configuration. We may require certified copies, apostilled documents, sworn statements, or independent legal opinions before recognising a claim. We may decline, defer, or seek a court direction in respect of any claim that is ambiguous, conflicting, fraudulent, suspected to be fraudulent, or in conflict with another asserted claim.

11.3 Costs of validation. The reasonable costs of validating and qualifying a claim — including legal review, identity verification, document authentication, third-party adviser fees, and network/transfer fees — will be deducted from the custodied funds before any release to the qualified claimant. We will provide a written accounting of deducted costs alongside the release.

11.4 Discharge on release. Once the custodied funds have been released to the qualified claimant by any method (on-chain transfer, off-chain payout, or transfer of control of the relevant wallet), all legal, contractual, and fiduciary obligations of Cash Stash, Digitalsurfing Limited, Privy Inc., and their respective affiliates, officers, employees, agents, and successors in relation to those funds cease in full. The qualified claimant is solely responsible for the subsequent custody, use, taxation, and distribution of the released funds, and indemnifies each of the foregoing parties against any further claim in respect of those funds.

11.5 No waiver of mandatory rights. Nothing in this clause excludes or limits any right that cannot be excluded under applicable law, including the non-excludable rights of UK consumers and the supervisory jurisdiction of competent courts.

11A. Money-rule claim links and retry schedule

11A.1 What a money rule is. A "money rule" is an optional setting you can attach to a Scheduled Message that, when the message fires, also sends the recipient a one-time claim link giving them the option to accept a fixed amount or a percentage of the funds held in a verified wallet or bank you have selected.

11A.2 Claim-link lifetime. Each claim link is valid for thirty (30) days from the moment it is generated. After that period the link expires and the recipient can no longer use it to claim the funds.

11A.3 Automated re-send schedule. If the recipient has not accepted the funds before their claim link expires, Cash Stash will automatically generate a fresh thirty-day claim link and re-send it via the same email and/or SMS channels you configured on the Scheduled Message, on the following fixed cadence measured from the previous send:

• Attempt 1 — the initial send when the Scheduled Message fires.
• Attempt 2 — seven (7) days after Attempt 1.
• Attempt 3 — thirty (30) days after Attempt 2.
• Attempts 4 through 13 — once every three hundred and sixty-five (365) days, for a further nine (9) yearly attempts after Attempt 3.

In total, Cash Stash will make up to thirteen (13) delivery attempts spanning approximately ten (10) years and thirty-seven (37) days from the initial send. This retry schedule depends on the Service continuing to operate and is subject to clause 12B.

11A.4 Fallback recipient. If a gift remains unclaimed after all thirteen attempts, the gift amount stays in your account and remains available to your other gifts and tasks. Once every other Scheduled Message, gift and future task on your account has fired, expired, or otherwise finalised, any remaining amount that has not taken your account to zero passes to the fallback person you nominated under clause 11A.8. Cash Stash sends the fallback person up to four (4) claim links: an initial send, then seven (7) days, thirty (30) days and three hundred and sixty-five (365) days later. While other Scheduled Messages, gifts or tasks remain pending, this step is deferred and re-checked at thirty (30) day intervals.

11A.5 Unclaimed funds are never kept by Cached Cash. Digitalsurfing Limited (trading as Cash Stash) has no right to, and does not take ownership of, any unclaimed funds. Unclaimed funds are never applied to your subscription, never transferred to an account controlled by Cash Stash, and the claim link is never sent to Cash Stash. Funds that are not claimed by the recipient or the fallback person are dealt with under clause 11A.9.

11A.6 Cancellation. You may cancel a money rule at any time from the Scheduled Messages screen before the underlying Scheduled Message fires, and may cancel an in-flight retry sequence by cancelling the underlying gift from the same screen. Cancellation immediately invalidates any outstanding claim link and stops further retries.

11A.7 Delivery is best-efforts. Email and SMS delivery depend on third-party providers and on the recipient's contact details remaining current and reachable. Cash Stash does not guarantee that any individual retry will be delivered, opened, or acted upon, and is not liable where a recipient fails to claim because a message was filtered, blocked, undelivered, or ignored.

11A.8 Nominating a fallback recipient. Before you can fund a wallet or turn on a money rule you must nominate a fallback person (name and email address, and optionally a phone number), for example your executor or a family member. You can also choose a different fallback person for an individual money rule. Your chosen fallback is shown to you before you fund your wallet and on each money rule, and you can change it at any time.

11A.9 Where nobody can be reached. (Pending legal review.) If neither the recipient nor the fallback person claims the funds, they are frozen in your Cash Stash wallet and held for your estate. Cash Stash notifies the executor named in your Death detection settings and its own support team, without including any claim link. Your executor or legal personal representative may claim the funds for your estate by providing proof of their authority, such as a grant of probate or letters of administration, together with any identity checks Cash Stash reasonably requires. If no one comes forward, Digitalsurfing Limited will deal with the funds only as required by the law of England and Wales applying to unclaimed assets, and never for its own benefit.

12. Plans and payments

• Free account. Free for 30 days from sign-up: up to 3 scheduled emails, 1 future task, 1 trusted contact and a test wallet. Text messages, real money and Dead Man's Switch releases need a paid plan. After 30 days the account becomes read-only until a plan is chosen; nothing is deleted, and emails already scheduled still send.
• Cash Stash — $50 per year. A recurring yearly subscription that renews automatically until cancelled.
• Closer Monitoring — $10 per month. A recurring monthly subscription, for people whose risk is highest, that renews automatically until cancelled.
• Payment. Prices are in US dollars (USD) and paid through Stripe. Any applicable taxes are shown at checkout. Your bank may charge for currency conversion.
• Cancelling. You can cancel at any time from your account; cancellation takes effect at the end of the period already paid for.
• If a renewal is missed. If a payment fails or a subscription ends, your account becomes read-only until you renew: you cannot create or change items, emails already scheduled still send, and text messages, money transfers and Dead Man's Switch releases are held. A missed or failed payment alone is never treated as proof of your passing. It counts as partial evidence only if your Dead Man's Switch is on, you have missed your check-ins and final warnings, your trusted contacts or executor have not replied within seven days (or none are set), the payment has remained unpaid for 90 days and no urgent case is open. Each successful renewal counts as a sign you are alive.
• Refunds. Outside your statutory rights, fees are non-refundable. UK consumers keep their rights under the Consumer Rights Act 2015 and the Consumer Contracts Regulations, including the 14-day cancellation right where it applies.
• Price changes apply from your next renewal after at least 30 days' notice by email. You can cancel before the new price applies.
• Earlier purchases. Accounts that bought one-off access before these plans keep the access already paid for, on the terms that applied when they bought it.

12A. Scheduled Messages, Future Tasks and Scheduled Gifts — usage limits

To keep the Service stable and prevent abuse, Scheduled Messages, Future Tasks and Scheduled Gifts share a single per-account capacity pool:

• Included with your plan. Every active Cash Stash plan (yearly or monthly) includes a free allotment of 100 active items combined across Scheduled Messages, Future Tasks, and Scheduled Gifts per user. All three feature types draw from the same shared pool.
• What counts. Only active (scheduled, armed, pending, or awaiting release) items count toward your allotment. Cancelled items, completed tasks, and items that have already been delivered or released no longer count.
• Additional capacity. You may purchase additional capacity in packs at any time: US$100 for a one-off pack of 100 additional items added to the same shared pool. A pack can be used freely across Scheduled Messages, Future Tasks, and Scheduled Gifts — there is no per-feature sub-limit. Packs are one-time, non-recurring, and stack additively — buying two packs lifts your combined ceiling by 200, and so on. Previously purchased packs of 50 Scheduled Messages or 10 Scheduled Gifts continue to count toward this shared pool at their original size.
• Pack terms. Packs are tied to the purchasing account, are non-transferable, and remain valid for the lifetime of the account, subject to the suspension and termination provisions of these Terms.
• Refunds and price changes. Pack purchases are non-refundable except where required by law. We may adjust the included allotment and pack pricing for future purchases, but we will not retroactively reduce capacity you have already paid for.
• Abuse. We may pause or refuse the creation of further Scheduled Messages, Future Tasks or Scheduled Gifts in cases of automated abuse, spam, or breach of the Acceptable Use rules in clause 6, regardless of remaining capacity.

12B. Long service periods and what happens if Cash Stash closes

12B.1 Long service periods. Scheduled releases can sit years in the future. We intend to deliver every period you have paid for, but delivery depends on Digitalsurfing Limited continuing to operate and on third-party infrastructure (payment processors, cloud hosts, custody providers, blockchain networks and email/SMS carriers) remaining available and lawful. We cannot guarantee those conditions for decades.

12B.2 Right to close. Digitalsurfing Limited may decide to close the Service or a feature for commercial, technological, regulatory or safety reasons.

12B.3 At least 90 days’ notice. Before closing, we will give at least 90 days’ notice by email to every account holder, and to the trusted contacts and executors recorded on each account. A shorter period applies only where a regulator, court or provider requires it; we will then give as much notice as we lawfully can.

12B.4 Wind-down of money. From the notice date no new money can be added. Living account holders may withdraw their funds to their own wallet or bank account during the notice period. For account holders who have passed away, money is released to the named recipient, then the fallback person, then held for the estate under clause 11A. Digitalsurfing Limited never takes ownership of customer money on closure, and any unused, prepaid subscription time is refunded pro rata.

12B.5 Export. During the notice period you can export your scheduled messages and release rules.

12B.6 Non-excludable rights preserved. Nothing in this clause 12B excludes or limits any right that cannot be excluded or limited under applicable law, including the rights of UK consumers under the Consumer Rights Act 2015.

12C. How support works

12C.1 Monitored inbox. Support is provided by Digitalsurfing Limited through the monitored inbox ds@digitalsurfing.co.uk. Urgent cases trigger automatic alerts and reminders so they are not left unattended.

12C.2 Urgent cases. A disputed death report, a compromised account, or a missing or failed payment can be reported by the account holder, a trusted contact, an executor or a family member at cashstash.co.uk/urgent-help. We will acknowledge each urgent case within 2 UK business days and take a first action within 5 UK business days.

12C.3 Protective pause. When an urgent case about a disputed death report or a compromised account is matched to an account, releases that depend on a death report and money releases from that account are paused until the case is reviewed. A pause never causes an early release.

12C.4 Other questions. General questions are answered by email as soon as we reasonably can. Many routine issues are handled by automated systems; a person reviews any urgent case.

12C.5 Legal and data requests. Requests under data-protection law and other legal obligations are handled within the time limits the law sets (for example, one month for UK GDPR access requests).

12C.6 Recovery testing. We test our recovery procedure and publish the date and outcome of each exercise on our Trust & Security page.

12C.7 Non-excludable rights preserved. Nothing in this clause 12C excludes or limits any right that cannot be excluded or limited under applicable law, including the rights of UK consumers under the Consumer Rights Act 2015.

13. Third-party services

The Service interoperates with third parties including Stripe (payments, card purchases and bank payouts), Privy (wallets), Google sign-in, email and SMS providers, Lido (ETH staking), public Solana validators, the USDC yield vault provider, public blockchain network providers, and block explorers such as Etherscan, Basescan and Solana Explorer. Your use of those services is governed by their own terms and privacy notices. We are not responsible for the acts or omissions of third parties.

14. Suspension and termination

You can close your account at any time. We can suspend or terminate access immediately if you breach these Terms, if continued service would expose us or others to legal risk, or if required by law. On termination the licence you granted in clause 7 ends, except to the extent we must keep records for legal compliance or to complete a scheduled future activity you have already triggered.

Termination or wind-down of the Service as a whole is additionally governed by clause 12B (long service periods and what happens if Cash Stash closes).

15. Disclaimers and limitation of liability

Nothing in these Terms excludes or limits liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded under applicable law (including your non-excludable rights as a consumer in the UK).

Subject to the above, the Service is provided "as is" and "as available". To the fullest extent permitted by law, we exclude all implied warranties, and our aggregate liability arising out of or in connection with the Service in any 12-month period is capped at the fees you paid us in the 12 months preceding the event giving rise to the claim. We are not liable for indirect or consequential loss, loss of profits, loss of goodwill, or for failure of any third-party delivery channel beyond our reasonable control.

Without limiting the general disclaimers above, you acknowledge the additional crypto-specific risks set out in clause 10 and the claims-handling framework in clause 11, and that Cash Stash is not liable for losses arising from blockchain congestion, fork events, third-party custody or staking provider failure, smart-contract bugs, or your own address/network mistakes.

16. Indemnity

You agree to indemnify Digitalsurfing Limited against third-party claims arising from your User Content, your use of the Service in breach of these Terms, or your infringement of any third-party right.

17. Changes to the Service and these Terms

We may change the Service and these Terms from time to time. We bump the version number at the top of this page for any change and, for material changes, notify you by email before they take effect. Your continued use after the effective date is acceptance of the new version; older accepted versions remain referenceable from your receipts.

18. Governing law and jurisdiction

These Terms and any dispute arising out of them (including non-contractual disputes) are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction, save that consumers may bring proceedings in the courts of their place of residence where applicable law gives them that right.

19. Contact

Digitalsurfing Limited (Trading as Cash Stash) · ds@digitalsurfing.co.uk. Email is our only communication channel; replies are sent when there is capacity to do so, without any committed response time (see clause 12C).