Financial & Product Disclaimer

Please read carefully

SmartStack is a software tool provided by Ruen Ventures LLC. It helps you organize financial information, build budgets, track spending, set goals, and view estimates and forecasts.

Educational tool only. Not financial, tax, investment, or legal advice.

Not professional advice

SmartStack and Ruen Ventures LLC do not provide:

Financial advice
Investment advice
Tax advice
Legal advice
Accounting advice
Credit counseling as a licensed service
Brokerage, banking, or custodial services

Estimates only

Budgets, projections, Monte Carlo-style simulations, debt payoff timelines, goal completion dates, category insights, net worth figures, and similar outputs are approximate models. They depend on incomplete or delayed data, use assumptions that may not match your life, can be wrong, and are not guarantees of future results.

Your responsibility

You are solely responsible for verifying balances and transactions with your financial institutions, your financial decisions, tax filings and legal compliance, and consulting licensed professionals when needed.

Third-party data

Linked account data (for example via Plaid) comes from third parties and institutions. We do not control their accuracy or availability. Bank linking is optional and available on paid plans; Free includes 0 bank links.

No fiduciary relationship

Your use of SmartStack does not create a fiduciary, advisory, or professional-client relationship with Ruen Ventures LLC or its owner(s).

For full legal terms, see our Terms of Service and Privacy Policy.

Contact

Email: [email protected]

Ruen Ventures LLC