Partner Collaboration

A household can have at most one active partner at a time. If you already have a pending invite or an active partner, the invite UI is replaced with management controls for that connection.

Invitation States

What Your Partner Can See and Do

Once they accept, your partner has the same view you have:

• All policies, cash value snapshots, and loan history
• The banking ledger and capital event records
• Asset contributions and goals
• Uploaded documents and files
• The AI Assistant and the tools available to the household's Builder Pro plan

Partner actions are recorded in the collaboration activity log with their name attached, so you can always see who did what.

When Your Subscription Changes

Partner collaboration depends on Builder Pro being active on your account (the primary). If your subscription lapses for any reason — you cancel, you downgrade to Starter, or your payment fails and you stay past-due for 7 days — partner access does not end immediately.

The collaboration enters a 30-day grace window. During that window:

• Both of you keep the same shared household feature access exactly as before; billing and subscription management remain owner-only
• Both of you receive an email when the window opens
• All data stays visible and editable
• If you reactivate Builder Pro inside the window, the collaboration returns to active automatically — nothing is lost

If the grace window expires, the partner is removed and you receive a final notification. Their authentication record is cleared from Policy Stack, but the activity log keeps their name on every entry they recorded.

Disconnecting a Partner

You can remove a partner from your household at any time:

Removal is immediate — there is no grace window when you initiate the disconnect yourself. The partner's authentication record is cleared right away. Activity log attribution is preserved.

What Happens to Activity History

Every entry in the collaboration activity log captures the partner's display name at the moment the entry was recorded. When a partner is later removed (whether through lapse-driven grace expiration or manual disconnect), their account record is cleared but the historical attribution stays. Past activity always shows who did what — even after their account is gone.

Common Questions

Can I have more than one partner? No. A household can have at most one active partner at a time. If you want to invite someone new, disconnect the current partner first.

Does my partner have their own subscription? No. Partner access is provided through your Builder Pro subscription. Your partner does not pay anything and does not have a separate Policy Stack account outside the household.

What if my partner wants their own banking system? They can leave the household and create a separate account at any time. Their data within your household stays with the household.

Will I be warned before grace expires? Yes. You receive an email when grace opens, a reminder before it closes, and a final notification at expiration.

Related articles: Understanding Your Household, Understanding Access Source, Collaboration Grace Period

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.