Stem legal
Documents you can read before you sign up
These documents explain the promises Stem makes, the responsibilities a business keeps, and the choices available when an account should be closed. The current set took effect on 4 September 2026.
User Agreement
The contract for creating an account and using Stem business services.
Read document →Privacy Policy
What personal data Stem handles, why, where responsibilities sit and how to exercise your rights.
Read document →Software Licence
The licence and device rules for the installed Stem POS and Stem Invoicing applications.
Read document →Data Processing Addendum
The controller-to-processor terms that apply when a business stores other people’s data in Stem.
Read document →Cancellation & refunds
Clear rules for cancellations, renewals, software payments, app-store purchases and hardware.
Read document →Delete an account
What deletion affects and the direct form for starting a verified deletion request.
Read document →Need a saved copy? Use your browser’s print command and choose “Save as PDF”. For questions about any document, use the contact details shown at the end of that document before accepting it.