| April 18, 2026 07:51 UTC | May 5, 2026 05:44 UTC | ||||
|---|---|---|---|---|---|
| 61 | Acorns Dollar Experience Terms | 61 | Acorns Dollar Experience Terms | ||
| 62 | Acorns Up To Financial Literacy Month Challenge Terms and Conditions | 62 | Acorns Up To Financial Literacy Month Challenge Terms and Conditions | ||
| 63 | Pathways to Graduation Bonus Terms and Conditions | 63 | Pathways to Graduation Bonus Terms and Conditions | ||
| n | n | 64 | $20 Research Bonus Investment Promotion Terms and Conditions | ||
| 64 | Terms of Use | 65 | Terms of Use | ||
| 65 | Wrap Fee Brochure | 66 | Wrap Fee Brochure | ||
| 66 | Accessibility Statement | 67 | Accessibility Statement | ||
| 87 | Unaudited Statement of Financial Condition as of June 30, 2025 | 88 | Unaudited Statement of Financial Condition as of June 30, 2025 | ||
| 88 | Audited Statement of Financial Condition as of December 31, 2025 | 89 | Audited Statement of Financial Condition as of December 31, 2025 | ||
| 89 | ACORNS PRIVACY NOTICE | 90 | ACORNS PRIVACY NOTICE | ||
| n | 90 | Effective as of May 19, 2025. | n | 91 | Effective as of April 30, 2026. |
| 91 | FACTS | 92 | FACTS | ||
| 92 | WHAT DOES ACORNS DO WITH YOUR PERSONAL INFORMATION? | 93 | WHAT DOES ACORNS DO WITH YOUR PERSONAL INFORMATION? | ||
| 93 | Why? | 94 | Why? | ||
| 163 | California: If your Acorns account has a California mailing address, we will not | 164 | California: If your Acorns account has a California mailing address, we will not | ||
| > | share personal information we collect about you except to the extent permitted | > | share personal information we collect about you except to the extent permitted | ||
| > | under California law. | > | under California law. | ||
| 164 | Vermont: If your Acorns account has a Vermont mailing address, we will not share | 165 | Vermont: If your Acorns account has a Vermont mailing address, we will not share | ||
| > | personal information we collect about you with non-affiliates unless the law al | > | personal information we collect about you with non-affiliates unless the law al | ||
| > | lows or you provide authorization. | > | lows or you provide authorization. | ||
| 165 | Acorns Privacy Policy | 166 | Acorns Privacy Policy | ||
| n | 166 | Effective as of May 19, 2025. | n | 167 | Effective as of April 30, 2026. |
| 167 | Please click here to view the previous version of our Privacy Policy. | 168 | Please click here to view the previous version of our Privacy Policy. | ||
| 168 | You can download a printable copy of this Privacy Policy here. | 169 | You can download a printable copy of this Privacy Policy here. | ||
| 169 | This Privacy Policy describes the privacy practices of Acorns Grow Incorporated, | 170 | This Privacy Policy describes the privacy practices of Acorns Grow Incorporated, | ||
| > | Acorns Advisers, LLC, Acorns Securities, LLC, Acorns Pay, LLC and their respect | > | Acorns Advisers, LLC, Acorns Securities, LLC, Acorns Pay, LLC and their respect | ||
| > | ive affiliates (collectively, "Acorns," "we", “us” or "our") and how we handle p | > | ive affiliates (collectively, "Acorns," "we", “us” or "our") and how we handle p | ||
| > | ersonal information, as defined below, that we collect through our digital prope | > | ersonal information, as defined below, that we collect through our digital prope | ||
| > | rties that link to this Privacy Policy, including our website, mobile applicatio | > | rties that link to this Privacy Policy, including our website, mobile applicatio | ||
| > | n, any available chatbots or AI tools, and browser extensions (collectively, the | > | n, any available chatbots or AI tools, and browser extensions (collectively, the | ||
| > | “Service”), as well as through social media, our marketing activities, our live | > | “Service”), as well as through social media, our marketing activities, our live | ||
| > | events and other activities described in this Privacy Policy. | > | events and other activities described in this Privacy Policy. | ||
| 196 | Transactional data, such as information relating to or needed to complete your o | 197 | Transactional data, such as information relating to or needed to complete your o | ||
| > | rders on or through the Service, including transaction history and information a | > | rders on or through the Service, including transaction history and information a | ||
| > | bout your investments. | > | bout your investments. | ||
| 197 | Communications that we exchange with you, including when you contact us with que | 198 | Communications that we exchange with you, including when you contact us with que | ||
| > | stions or feedback, through the Service (including our chatbot, AI chatbot and o | > | stions or feedback, through the Service (including our chatbot, AI chatbot and o | ||
| > | ther interactive features), social media, survey participation, text messages, a | > | ther interactive features), social media, survey participation, text messages, a | ||
| > | ny available AI tools or otherwise. | > | ny available AI tools or otherwise. | ||
| 198 | Marketing data, such as data you provide when participating in our promotions or | 199 | Marketing data, such as data you provide when participating in our promotions or | ||
| > | in response to our ads or marketing messages. | > | in response to our ads or marketing messages. | ||
| n | n | 200 | Where third-party sign-in services (such as Apple, Google) are made available fr | ||
| > | om time to time and the customer chooses to use the offering, we may receive cer | ||||
| > | tain information to create your account and/or to allow you to sign-in, includin | ||||
| > | g by way of example and not limitation, your name and an email address (or proxy | ||||
| > | or private relay email address, if applicable). Data shared with us is controll | ||||
| > | ed by the third-party sign-in service and authorizations granted in such service | ||||
| > | s. We use the information we receive through third-party sign-in services solely | ||||
| > | to manage your account and provide you with the Services, which for the avoidan | ||||
| > | ce of doubt may include communications with respect to your account, the Service | ||||
| > | s, and our business. You acknowledge that your use of any third-party sign-in se | ||||
| > | rvice is governed by the terms and conditions imposed by the applicable provider | ||||
| > | on your use of their service. | ||||
| 199 | We may also collect personal information not specifically listed above, which we | 201 | We may also collect personal information not specifically listed above, which we | ||
| > | will use as described in this Privacy Policy or as otherwise disclosed at the t | > | will use as described in this Privacy Policy or as otherwise disclosed at the t | ||
| > | ime of collection. | > | ime of collection. | ||
| 200 | Sensitive Personal Information | 202 | Sensitive Personal Information | ||
| 201 | Some of the personal information described in this Privacy Policy may be conside | 203 | Some of the personal information described in this Privacy Policy may be conside | ||
| > | red sensitive under applicable laws. We do not use sensitive personal informatio | > | red sensitive under applicable laws. We do not use sensitive personal informatio | ||
| > | n for the purpose of inferring characteristics about you. We will process sensit | > | n for the purpose of inferring characteristics about you. We will process sensit | ||
| > | ive personal information only as described in this Privacy Policy and will reque | > | ive personal information only as described in this Privacy Policy and will reque | ||
| > | st your consent to collect or process your sensitive personal information when w | > | st your consent to collect or process your sensitive personal information when w | ||
| > | e legally are required to do so. | > | e legally are required to do so. | ||
| 224 | Local storage technologies, like HTML5, that provide cookie-equivalent functiona | 226 | Local storage technologies, like HTML5, that provide cookie-equivalent functiona | ||
| > | lity but can store larger amounts of data on your device outside of your browser | > | lity but can store larger amounts of data on your device outside of your browser | ||
| > | in connection with specific applications. | > | in connection with specific applications. | ||
| 225 | Mobile Application Software Development Kits (SDKs). We may use SDKs in our mobi | 227 | Mobile Application Software Development Kits (SDKs). We may use SDKs in our mobi | ||
| > | le applications. A SDK is third-party computer code that we or our third party s | > | le applications. A SDK is third-party computer code that we or our third party s | ||
| > | ervice providers or partners may use for a variety of purposes, including to pro | > | ervice providers or partners may use for a variety of purposes, including to pro | ||
| > | vide us with analytics regarding the use of our mobile applications, to integrat | > | vide us with analytics regarding the use of our mobile applications, to integrat | ||
| > | e with social media, add features or functionality to our app, or to facilitate | > | e with social media, add features or functionality to our app, or to facilitate | ||
| > | online advertising. | > | online advertising. | ||
| 226 | Chat technologies. We use chat technologies provided by third-party vendors that | 228 | Chat technologies. We use chat technologies provided by third-party vendors that | ||
| > | employ cookies and software code to operate the chat features you can use to co | > | employ cookies and software code to operate the chat features you can use to co | ||
| > | mmunicate with us through the Service. We and such third-party vendors may monit | > | mmunicate with us through the Service. We and such third-party vendors may monit | ||
| > | or, record and use information about webpages visited on our website, your IP ad | > | or, record and use information about webpages visited on our website, your IP ad | ||
| > | dress, your general geographic information (e.g., city, state), and other inform | > | dress, your general geographic information (e.g., city, state), and other inform | ||
| > | ation you share through online chats for the purposes described in this Privacy | > | ation you share through online chats for the purposes described in this Privacy | ||
| > | Policy. | > | Policy. | ||
| n | 227 | AI Chatbot. We use a generative AI chatbot to enhance your financial literacy by | n | 229 | AI Chatbot. We may allow you access to an AI chatbot to enhance your financial l |
| > | directing you to relevant articles within our internal library. This tool is de | > | iteracy When you use these features, you are not communicating with a human. We | ||
| > | signed to assist you in accessing curated content tailored to your inquiries. Wh | > | may access, monitor and record the information you submit to the chat, as well a | ||
| > | en you use these features, you are not communicating with a human. We may access | > | s your device data and usage data described above, to enable the chat and for th | ||
| > | , monitor and record the information you submit to the chat, as well as your dev | > | e other purposes described in this Privacy Statement, quality assurance and serv | ||
| > | ice data and usage data described above, to enable the chat and for the other pu | > | ice improvement. | ||
| > | rposes described in this Privacy Statement, quality assurance and service improv | ||||
| > | ement. | ||||
| 228 | Sign-in with Apple. For customers using Sign-in with Apple, we receive the infor | 230 | Third Party Sign-In Services. For customers using a third-party sign-in service | ||
| > | mation you have consented to share with us either to create your account or to a | > | (such as Apple or Google), we may receive certain information to create your acc | ||
| > | llow you to sign in, including your name and an email address (or a private rela | > | ount or to allow you to sign in, including your name and an email address (or a | ||
| > | y email if you choose that option). We use the information we receive through Si | > | proxy or private relay email, if applicable). We use the information we receive | ||
| > | gn-in with Apple solely to manage your account and provide you with the Services | > | through the third-party sign-in services solely to manage your account and provi | ||
| > | , which for the avoidance of doubt may include communications with respect to yo | > | de you with the Services, which for the avoidance of doubt may include communica | ||
| > | ur account, the Services and our business. You acknowledge that your use of Sign | > | tions with respect to your account, the Services and our business. You acknowled | ||
| > | in with Apple is governed by the terms and conditions imposed by Apple on your | > | ge that your use of third-party sign-in services is governed by the terms and co | ||
| > | use of their Sign in with Apple service. | > | nditions imposed by the applicable provider on your use of their service. If you | ||
| > | use a proxy or private relay email address, you acknowledge and agree that we w | ||||
| > | ill direct account-related communications to that address, and you are responsib | ||||
| > | le for ensuring you receive such communications. | ||||
| 229 | Acorns may use session replay technology during certain interactions on our plat | 231 | Acorns may use session replay technology during certain interactions on our plat | ||
| > | form to help enhance the customer experience and for training and quality assura | > | form to help enhance the customer experience and for training and quality assura | ||
| > | nce purposes. This technology may record may occasionally record user interactio | > | nce purposes. This technology may record may occasionally record user interactio | ||
| > | ns, such as pages visited, clicks, scrolling and mouse movements. These recordin | > | ns, such as pages visited, clicks, scrolling and mouse movements. These recordin | ||
| > | gs allow us to diagnose issues and improve our services. To protect your privacy | > | gs allow us to diagnose issues and improve our services. To protect your privacy | ||
| > | , any sensitive information captured during recording sessions is automatically | > | , any sensitive information captured during recording sessions is automatically | ||
| > | masked and is not accessible to Acorns personnel. Session replay data is used ex | > | masked and is not accessible to Acorns personnel. Session replay data is used ex | ||
| > | clusively for internal analysis and is not shared with third parties. By accessi | > | clusively for internal analysis and is not shared with third parties. By accessi | ||
| > | ng this privacy policy, you acknowledge being informed of these recording practi | > | ng this privacy policy, you acknowledge being informed of these recording practi | ||
| > | ces, and your continued use of Acorns services thereafter constitutes your conse | > | ces, and your continued use of Acorns services thereafter constitutes your conse | ||
| > | nt to the potential recording and use of session replay technology as described | > | nt to the potential recording and use of session replay technology as described | ||
| > | above. | > | above. | ||
| 230 | How we use your personal information | 232 | How we use your personal information | ||
| 231 | We may use your personal information for the following purposes or as otherwise | 233 | We may use your personal information for the following purposes or as otherwise | ||
| > | described at the time of collection: | > | described at the time of collection: | ||
| 315 | Children | 317 | Children | ||
| 316 | The Service is not intended for use by children under 18 years of age. If we lea | 318 | The Service is not intended for use by children under 18 years of age. If we lea | ||
| > | rn that we have collected personal information through the Service from a child | > | rn that we have collected personal information through the Service from a child | ||
| > | under 18 in a manner prohibited by law, we will comply with legal requirements t | > | under 18 in a manner prohibited by law, we will comply with legal requirements t | ||
| > | o delete it. We encourage parents or guardians with concerns to contact us. | > | o delete it. We encourage parents or guardians with concerns to contact us. | ||
| 317 | Artificial Intelligence | 319 | Artificial Intelligence | ||
| n | 318 | We use Artificial Intelligence (AI) technologies to enhance user experience and | n | 320 | We may use Artificial Intelligence (AI) technologies to enhance user experience |
| > | improve our services. By interacting with our services, you acknowledge that AI | > | and improve our services. By interacting with our services, you acknowledge that | ||
| > | systems may process and analyze your data as part of this experience. Our AI sys | > | AI systems may process and analyze your data as part of this experience. Our AI | ||
| > | tems process various types of data, which can be used to: | > | systems process various types of data collected from you and/or information pro | ||
| > | vided by you, including your interactions with our Services, which can be used f | ||||
| > | or various purposes, including to: | ||||
| 319 | Enable features such as chatbots or virtual assistants | 321 | Enable features such as chatbots or virtual assistants | ||
| 320 | Improve content and product offerings | 322 | Improve content and product offerings | ||
| 321 | Analyze trends and performance | 323 | Analyze trends and performance | ||
| n | n | 324 | Provide customer or account service assistance | ||
| 325 | Direct you to relevant educational or informational content, including third par | ||||
| > | ty resources | ||||
| 322 | Your data will not be used by Acorns for training AI models. | 326 | Your data will not be used by Acorns for training AI models. | ||
| 323 | Our services do not involve any automated decision-making processes that would a | 327 | Our services do not involve any automated decision-making processes that would a | ||
| > | ffect you personally, including profiling. While AI may be used to offer persona | > | ffect you personally, including profiling. While AI may be used to offer persona | ||
| > | lized content, all such features are intended to enhance your experience and are | > | lized content, all such features are intended to enhance your experience and are | ||
| > | not used to make automated decisions or judgments about you. | > | not used to make automated decisions or judgments about you. | ||
| n | n | 328 | When you use these features, you are not communicating with a human. To speak wi | ||
| > | th a human about your account, please contact our Customer Support. | ||||
| 324 | Changes to this Privacy Policy | 329 | Changes to this Privacy Policy | ||
| 325 | We reserve the right to modify this Privacy Policy at any time. If we make mater | 330 | We reserve the right to modify this Privacy Policy at any time. If we make mater | ||
| > | ial changes to this Privacy Policy, we will notify you by updating the date of t | > | ial changes to this Privacy Policy, we will notify you by updating the date of t | ||
| > | his Privacy Policy and posting it on the Service. If required by law we will als | > | his Privacy Policy and posting it on the Service. If required by law we will als | ||
| > | o provide notification of changes in another way that we believe is reasonably l | > | o provide notification of changes in another way that we believe is reasonably l | ||
| > | ikely to reach you, such as via email or another manner through the Service. Any | > | ikely to reach you, such as via email or another manner through the Service. Any | ||
| > | modifications to this Privacy Policy will be effective upon our posting the mod | > | modifications to this Privacy Policy will be effective upon our posting the mod | ||
| > | ified version (or as otherwise indicated at the time of posting). In all cases, | > | ified version (or as otherwise indicated at the time of posting). In all cases, | ||
| > | your use of the Service after the effective date of any modified Privacy Policy | > | your use of the Service after the effective date of any modified Privacy Policy | ||
| > | indicates your acceptance of the modified Privacy Policy. | > | indicates your acceptance of the modified Privacy Policy. | ||
| 326 | How to contact us | 331 | How to contact us | ||
| 410 | Why start now | 415 | Why start now | ||
| 411 | Learn | 416 | Learn | ||
| 412 | Pricing | 417 | Pricing | ||
| n | 413 | Store | n | ||
| 414 | Affiliates | 418 | Affiliates | ||
| 415 | Acorns Legal | 419 | Acorns Legal | ||
| 416 | Acorns Early Legal | 420 | Acorns Early Legal | ||
| t | t | 421 | Privacy Policy | ||
| 417 | Investing involves risk, including the loss of principal. Please consider your o | 422 | Investing involves risk, including the loss of principal. Please consider your o | ||
| > | bjectives, risk tolerance, and Acorns’ fees before investing. Investment product | > | bjectives, risk tolerance, and Acorns’ fees before investing. Investment product | ||
| > | s and services offered by Acorns Advisers, LLC (Acorns), an SEC Registered Inves | > | s and services offered by Acorns Advisers, LLC (Acorns), an SEC Registered Inves | ||
| > | tment Adviser. Brokerage products and services are provided by Acorns Securities | > | tment Adviser. Brokerage products and services are provided by Acorns Securities | ||
| > | , LLC, an SEC registered Broker Dealer, Member FINRA/SIPC. Investment products a | > | , LLC, an SEC registered Broker Dealer, Member FINRA/SIPC. Investment products a | ||
| > | re NOT FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE. View additional in | > | re NOT FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE. View additional in | ||
| > | vesting disclosures. | > | vesting disclosures. | ||
| 418 | 1. Acorns is not a bank. Acorns Visa™ debit cards and banking services are issue | 423 | 1. Acorns is not a bank. Acorns Visa™ debit cards and banking services are issue | ||
| > | d by Lincoln Savings Bank or nbkc bank, members FDIC. Acorns Checking clients ar | > | d by Lincoln Savings Bank or nbkc bank, members FDIC. Acorns Checking clients ar | ||
| > | e not charged overdraft fees, maintenance fees, or ATM fees for cash withdrawals | > | e not charged overdraft fees, maintenance fees, or ATM fees for cash withdrawals | ||
| > | from within the AllPoint Network ATMs. Please see your Acorns Subscription Cent | > | from within the AllPoint Network ATMs. Please see your Acorns Subscription Cent | ||
| > | er or Account Statements for a description of the fees you pay to Acorns for its | > | er or Account Statements for a description of the fees you pay to Acorns for its | ||
| > | services. Any balances you hold in Acorns Checking Account(s) are added togethe | > | services. Any balances you hold in Acorns Checking Account(s) are added togethe | ||
| > | r and are insured up to $250,000 per depositor through Lincoln Savings Bank or n | > | r and are insured up to $250,000 per depositor through Lincoln Savings Bank or n | ||
| > | bkc bank, Members FDIC. Acorns Checking is not FDIC-insured. FDIC insurance only | > | bkc bank, Members FDIC. Acorns Checking is not FDIC-insured. FDIC insurance only | ||
| > | covers the failure of an insured bank.Lincoln Savings Bank or nbkc bank utilize | > | covers the failure of an insured bank.Lincoln Savings Bank or nbkc bank utilize | ||
| > | s a deposit network service, which means that at any given time, all, none, or a | > | s a deposit network service, which means that at any given time, all, none, or a | ||
| > | portion of the funds in your Acorns Checking accounts may be placed into and he | > | portion of the funds in your Acorns Checking accounts may be placed into and he | ||
| > | ld beneficially in your name at other depository institutions which are insured | > | ld beneficially in your name at other depository institutions which are insured | ||
| > | by the Federal Deposit Insurance Corporation (FDIC). For a complete list of othe | > | by the Federal Deposit Insurance Corporation (FDIC). For a complete list of othe | ||
| > | r depository institutions where funds may be placed, please visit https://www.ca | > | r depository institutions where funds may be placed, please visit https://www.ca | ||
| > | mbr.com/bank-list. Balances moved to network banks are eligible for FDIC insuran | > | mbr.com/bank-list. Balances moved to network banks are eligible for FDIC insuran | ||
| > | ce once the funds arrive at a network bank. To learn more about pass-through dep | > | ce once the funds arrive at a network bank. To learn more about pass-through dep | ||
| > | osit insurance applicable to your account, please see the Account Documentation. | > | osit insurance applicable to your account, please see the Account Documentation. | ||
| > | Additional information on FDIC insurance can be found at https://www.fdic.gov/r | > | Additional information on FDIC insurance can be found at https://www.fdic.gov/r | ||
| > | esources/deposit-insurance/. | > | esources/deposit-insurance/. | ||
| 419 | Acorns Early is not a bank. The Acorns Early card is issued by nbkc Bank, Member | 424 | Acorns Early is not a bank. The Acorns Early card is issued by nbkc Bank, Member | ||
| > | FDIC, pursuant to license by Visa®, and Community Federal Savings Bank, member | > | FDIC, pursuant to license by Visa®, and Community Federal Savings Bank, member | ||
| > | FDIC, pursuant to license by Mastercard International. Cardholder Terms and limi | > | FDIC, pursuant to license by Mastercard International. Cardholder Terms and limi | ||
| > | ts apply. | > | ts apply. | ||
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