Understanding Your Household

Each policy maintains its own snapshots, loans, and history. The household level is where everything rolls up.

Dashboard Aggregation

Your dashboard shows household-level metrics by combining data from all tracked policies:

These aggregated metrics give you a single view of your banking system's position without needing to calculate across individual policies manually.

Customizing Your Household Name

By default, your household is labeled with your display name. You can change this in Settings → Household to any name that fits your preference:

• "The Martinez Family Banking System"
• "Our Household System"
• "Personal Banking System"

The household name appears on your dashboard greeting and in any exported reports.

Access and Privacy

Your household data is private to you. Only you can view, edit, or export your banking system data. There are two controlled exceptions:

• Connected advisors — if you connect with a whole life banking advisor through Policy Stack, new connections default to read/write access. You can downgrade to read-only, choose no data access, or revoke access at any time.
• Partner collaboration (Builder Pro) — you can invite a specific person to view and modify your household data, such as a spouse or family member involved in managing the banking system.

No one else — including Policy Stack staff — can access your financial data. All financial values are encrypted at rest.

Partner Collaboration Lifecycle

Partner collaboration is a Builder Pro feature. One household can have at most one active partner at a time. The collaboration moves through four states:

When Your Subscription Changes

If you cancel Builder Pro, downgrade to Starter, or your payment fails and you stay past-due for 7 days, your partner does not lose access immediately. The collaboration enters a 30-day grace window. During those 30 days:

• Both of you continue using the household exactly as before
• All data stays visible to both users
• You receive an email when the window opens, and a reminder before it closes
• If you reactivate Builder Pro inside the window, the collaboration returns to active automatically — nothing is lost

If the window expires, the partner is removed and you receive a final notification. You can also choose to disconnect a partner immediately from Settings → Collaboration; that path has no grace window.

What Happens to Activity History

The collaboration activity log is preserved even after a partner is removed. Their display name is captured on every entry they recorded — past activity always shows who did what. The removed partner's authentication record is cleared, but the historical attribution is permanent.

Future: Household Members

A planned future enhancement will allow you to add named household members (spouse, children) and associate policies with specific members. This will enable per-member views and more detailed household reporting.

Currently, you can achieve a similar effect by including the insured person's name in the policy name when you add it (for example, "Jane - Northwestern Mutual WL").

Policy Stack is a tracking and visualization tool. It does not provide financial advice, recommendations, or opinions on what you should do with your banking system.

Policy Stack is independent of and is not affiliated with, sponsored by, or endorsed by Infinite Banking Concepts, LLC or the Nelson Nash Institute.