Understanding Access Source

You received Builder Pro access through a referral program or promotional credit. The details of the credit — duration and conditions — are specific to how the credit was issued. Your access source shows as "Referral Credit" in Settings → Subscription, along with the credit expiration date if applicable.

Checking Your Access Source

What Happens When Access Sources Overlap

If you have an active self-pay subscription and an advisor assigns you a seat, Policy Stack applies the access source that provides the most coverage. In most cases:

• An advisor seat does not cancel your existing self-pay subscription
• If the advisor seat expires and your self-pay subscription is still active, you continue on Builder Pro through self-pay
• Your billing status in Stripe reflects only your self-pay subscription — advisor seats are managed separately through the advisor's account

Transitioning Between Access Sources

If you currently have an advisor seat and want to self-pay instead:

If you transition from advisor seat to self-pay, your data and all Builder Pro features remain uninterrupted during the transition.

If You Have a Partner on Your Household

Partner collaboration depends on Builder Pro being active on the primary's account. If you cancel Builder Pro, downgrade to Starter, or your payment fails and you stay past-due for 7 days, the partner collaboration enters a 30-day grace window — both of you keep full access during the window, both of you receive an email when it opens, and reactivating Builder Pro inside the window restores the collaboration to active. If the window expires, the partner is removed automatically. You can also choose to disconnect a partner immediately from Settings → Collaboration; that path has no grace window. See the Partner Collaboration article for the full lifecycle.

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.