Legal

1. Who We Are

Stemm is a website that helps users discover personalised income ideas based on their skills and goals. We are the data controller for the personal information we collect.

2. What Data We Collect

We collect the following types of personal data:

Account and identity data

• Your email address (collected at quiz submission and account registration)
• Password (stored securely in hashed form via Supabase)
• Account creation date

Quiz and preference data

• Skill areas, specific skills, time availability, starting budget
• Things you want to avoid, risk tolerance, and income goals
• These are used to generate your personalised income ideas

Usage and progress data

• Roadmap task completions and progress
• Current phase, streak count, and last active date

Payment data

• Payment is processed by Stripe. We do not store your card details.
• We store your Stripe customer ID to manage your subscription status

Technical data

• IP address (used for rate limiting only, not stored long-term)
• Basic usage data collected by Vercel for platform performance

3. How We Use Your Data

We use your data for the following purposes:

• To provide the Stemm service, including generating personalised income ideas
• To manage your account and subscription
• To send you your results and any product updates you have opted into
• To process payments and manage subscription changes
• To prevent abuse of our service (rate limiting)
• To improve the platform based on usage patterns

4. Our Lawful Basis for Processing

We rely on the following legal bases under UK GDPR:

• Contract performance: to create and manage your account and deliver the service you have paid for
• Consent: for marketing emails and optional product updates (you can withdraw consent at any time)
• Legitimate interests: for platform security, fraud prevention, and service improvement

5. Who We Share Your Data With

We use the following third-party services to operate Stemm. Each acts as a data processor on our behalf:

• Supabase (supabase.com) – database, authentication, and user data storage
• Resend (resend.com) – transactional email delivery
• Stripe (stripe.com) – payment processing and subscription management
• Vercel (vercel.com) – website hosting and deployment
• Anthropic (anthropic.com) – AI model used to generate your income ideas

We do not sell your data to third parties and do not use it for advertising.

6. Data Retention

We retain your data for as long as your account is active. If you delete your account, we will permanently erase all of your personal data from our systems within 30 days. Some data may be retained for a short period where required by law (for example, payment records for tax purposes).

7. Your Rights

Under UK GDPR, you have the following rights:

• Right of access – you can request a copy of the data we hold about you
• Right to rectification – you can ask us to correct inaccurate data
• Right to erasure – you can delete your account at any time via Settings, which will erase all your data
• Right to data portability – you can request your data in a portable format
• Right to object – you can object to processing based on legitimate interests
• Right to withdraw consent – for any processing based on consent, you can withdraw at any time

To exercise any of these rights, email us at [email protected]. We will respond within 30 days.

8. Cookies

Stemm uses strictly necessary cookies to keep you signed in and maintain your session. We do not use advertising or tracking cookies. If we introduce any optional cookies in future (for example, analytics), we will ask for your consent first.

9. Data Security

We take data security seriously. Your password is never stored in plain text. All data is transmitted over HTTPS. Access to our database is restricted and monitored. We use industry-standard security practices through our infrastructure providers.

10. International Transfers

Some of our third-party providers may process data outside the UK. Where this occurs, we ensure appropriate safeguards are in place, such as Standard Contractual Clauses or equivalent protections recognised under UK GDPR.

11. Children

Stemm is not intended for use by anyone under the age of 18. We do not knowingly collect data from children. If you believe a child has provided us with personal data, please contact us and we will delete it promptly.

12. Changes to This Policy

We may update this policy from time to time. When we do, we will update the date at the top of this page. If we make significant changes, we will notify you by email.

13. Contact and Complaints

If you have any concerns about how we handle your data, please contact us at [email protected].

You also have the right to lodge a complaint with the UK Information Commissioner's Office (ICO) at ico.org.uk.

1. Income Projections and Earnings Disclaimers

Stemm provides roadmaps and ideas that may include income projections, earnings estimates, and financial targets. These are illustrative only based on assumed conditions and are not guarantees of actual earnings.

Individual results will vary based on factors including but not limited to:

• Your existing audience, network, and credibility
• Quality and execution of your work
• Market demand for your specific offering
• Consistency of effort and engagement
• Your skills and expertise in the relevant domain
• Competitive landscape and pricing strategies
• External market conditions and timing

Results will differ from any projections provided. Stemm makes no guarantee you will achieve any stated financial goal.

2. Time Commitment Disclaimers

Stemm roadmaps may reference estimated time commitments. These are baseline estimates and actual time requirements will vary based on:

• Your existing skills and experience
• Your working speed and efficiency
• Required research or learning depth
• Quality standards and revision cycles
• Your ability to execute tasks as outlined
• Individual circumstances and constraints

Actual time required may differ from stated estimates. Timelines are aspirational and may need adjustment based on your circumstances and execution speed.

3. Prerequisites and Expertise

Stemm roadmaps are designed for users with specific prerequisite skills, experience, or knowledge. If you do not have stated prerequisites, you may require additional time for research, learning, or credibility-building before the roadmap can be executed effectively.

You are responsible for:

• Assessing whether you have the necessary skills and experience
• Obtaining additional training or expertise if needed
• Consulting with qualified professionals in relevant domains
• Validating any assumptions or prerequisites for your specific situation

4. Market and Demand Assumptions

Stemm roadmaps are based on assumed market conditions, audience demand, and competitive landscapes. These assumptions:

• May not apply to your specific niche or geography
• May change over time due to market shifts
• May not reflect competition or demand in your area
• Are not guarantees of customer demand or market receptiveness

Your specific market may have different conditions than assumed in the roadmap.

5. Professional Advice Disclaimer

Stemm roadmaps are educational content only and should not be construed as:

• Professional business, financial, legal, or tax advice
• Guaranteed business strategy or guaranteed results
• Personalised recommendations for your specific situation

You should consult with appropriate qualified professionals (accountants, lawyers, business advisors) regarding:

• Your personal tax, legal, and business obligations
• Regulatory compliance for your industry or jurisdiction
• Personalised strategy based on your circumstances
• Any specific risks or opportunities in your situation

6. Platform and Tool Disclaimers

Stemm roadmaps may reference third-party platforms and services. We are not affiliated with or endorsed by these platforms.

Third-party platforms:

• May change features, pricing, policies, or availability
• May restrict or limit your account access
• Are subject to their own terms of service
• May change or discontinue services you rely on

You are responsible for reviewing and complying with each platform's terms of service and policies.

7. Affiliate Links Disclosure

Some links in Stemm roadmaps are affiliate links. If you purchase through an affiliate link, Stemm may earn a small commission at no additional cost to you. This does not influence our recommendations or the content of our roadmaps. We only recommend tools and services we believe provide genuine value.

8. Results Will Vary

Success with any Stemm roadmap depends on numerous factors including your skills, effort, market conditions, timing, execution, and individual circumstances.

Stemm makes no warranty or guarantee regarding:

• Achievement of any stated goals or targets
• Completion of the roadmap in stated timeframes
• Customer acquisition, sales performance, or business success
• Applicability to your specific situation

9. Limitation of Liability

To the fullest extent permitted by law, Stemm and its creators are not liable for:

• Lost income, opportunities, or business outcomes
• Financial losses or investments
• Time or resources invested
• Indirect, incidental, or consequential damages
• Any reliance on projections, timelines, or outcomes

Your use of Stemm roadmaps is at your own risk.

10. Changes to This Disclaimer

Stemm reserves the right to update this Disclaimer at any time. Continued use of Stemm constitutes acceptance of updated terms.

11. Contact

If you have questions about these Disclaimers, please contact us at: [email protected]

1. Agreement to Terms

By accessing and using Stemm ("Service"), you agree to be bound by these Terms of Service. If you do not agree to abide by the above, please do not use this Service.

2. Use Licence

You may not create a commercial product or service based on our roadmaps without written permission from Stemm. Under this licence you may not:

• Attempt to decompile or reverse engineer any software contained on Stemm
• Remove any copyright or other proprietary notations from the materials
• Create a competing product or service based on our roadmap content
• Sell or resell access to Stemm roadmaps

3. Disclaimer of Warranties

The materials on Stemm are provided on an 'as is' basis. Stemm makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

4. Limitations of Liability

In no event shall Stemm or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Stemm, even if Stemm or an authorised representative has been notified orally or in writing of the possibility of such damage.

5. Accuracy of Materials

The materials appearing on Stemm could include technical, typographical, or photographic errors. Stemm does not warrant that any of the materials on Stemm are accurate, complete, or current. Stemm may make changes to the materials contained on Stemm at any time without notice.

6. Materials on Stemm

Stemm has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Stemm of the site. Use of any such linked website is at the user's own risk.

7. Modifications

Stemm may revise these Terms of Service for its website at any time without notice. By using this website you are agreeing to be bound by the then current version of these Terms of Service.

8. Governing Law

These Terms and Conditions and any separate agreements we provide to enforce Stemm's intellectual property rights are governed by and construed in accordance with the laws of the United Kingdom, and you irrevocably submit to the exclusive jurisdiction of the courts in that location.

9. Refund Policy

All purchases of Stemm roadmaps and content are final. Roadmaps and digital products cannot be refunded once accessed. By completing your purchase, you acknowledge this policy and agree to these terms.

If you have concerns about a purchase or believe you have been charged in error, please contact us at [email protected] within 7 days of purchase, and we will investigate.

10. Payment Terms

Payment for roadmaps and premium content is processed via Stripe. By making a purchase, you authorise Stemm to charge the payment method you provide. You are responsible for maintaining accurate payment information. Stemm is not responsible for failed transactions due to expired or invalid payment methods.

11. Subscription Terms

If you purchase a subscription to Stemm:

• Your subscription will automatically renew on the renewal date unless you cancel
• You can cancel your subscription at any time through your account settings or by contacting us
• Cancellation will take effect at the end of your current billing period
• No refunds will be issued for partially-used subscription periods

12. Account Responsibility

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activity that occurs under your account
• Notifying us immediately of any unauthorised use of your account
• Ensuring all information you provide is accurate and complete

Stemm is not liable for any loss or damage arising from unauthorised use of your account.

13. User Conduct

You agree not to:

• Violate any applicable laws or regulations
• Infringe on anyone's intellectual property rights
• Harass, abuse, or threaten any person or entity
• Post spam, phishing, or malicious content
• Attempt to gain unauthorised access to Stemm's systems
• Reproduce, distribute, or commercialise Stemm's content without permission
• Use Stemm for any illegal or unauthorised purpose

14. Intellectual Property Rights

The content, layout, and design of Stemm (including but not limited to text, graphics, logos, images, roadmaps, and software) are owned by Stemm or its content suppliers and protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, transmit, display, or perform any content from Stemm without prior written permission.

15. Limitation of Warranty for Educational Content

Stemm roadmaps are provided for educational purposes only. We do not guarantee that:

• Roadmaps will meet your specific needs
• Implementation of roadmaps will result in stated outcomes
• Information is error-free or will remain current
• Your use of roadmaps will be uninterrupted or timely

16. Third-Party Services

Stemm integrates with third-party services (Stripe, Supabase, Anthropic, Vercel, etc.). Your use of these services is subject to their respective terms of service. Stemm is not responsible for the performance, availability, or security of third-party services.

17. Termination

Stemm reserves the right to terminate or suspend your account and access to the Service at any time, for any reason, without prior notice. Upon termination, your right to use the Service will immediately cease.

18. Dispute Resolution

Any dispute arising out of or relating to these Terms of Service or your use of Stemm shall be resolved by binding arbitration or in the courts of the United Kingdom, at Stemm's election.

19. Severability

If any provision of these Terms of Service is found to be unenforceable, the remaining provisions shall remain in full force and effect.

20. Contact

If you have any questions about these Terms of Service, please contact us at: [email protected]