Generated by a model from the captured document; not read by a person

A financial technology company that provides micro-investing services, automatically rounding up purchases to invest spare change in diversified portfolios, along with retirement accounts and educational savings plans. The platform handles sensitive financial data and investment transactions for millions of users, making their privacy and terms of service policies critical for understanding data collection practices, fee structures, and user rights regarding their investments and personal information.

2 Documents
0 All provisions
4 Changes · 12 mo
Sep 30, 2026 Last change
Objective measurements
Counted directly from the archive for Acorns — documents, captured versions, and detected changes.
2
Documents tracked
47
Versions captured
4
Changes · 12 mo
4
Changes · all-time
50.7 d
Avg between changes
23
Days since change
96 d
Longest stable stretch
ConductAtlas User-Protection Index
Provisional · scored on 4 of 6
0.0/100
Consumer tier · provisional until more dimensions are known
How is this scored? →
Baseline 0.0 here · corpus average 31.4 across 191 scored platforms Bottom quartile Q1 18.4 · median 30.8 · Q3 42.3

Higher = more protective of you, the user/customer — a deliberately user-protective lens, not a universal “good vs bad” score. Computed algorithmically from Acorns’s cited governance stances; no dimension we haven’t confidently read is ever counted against the score. Free, reproducible, and never purchasable.

Consumer tier · 0.0/100 · provisional · scored on 4 of 6
Arbitration & class action weight 22% 0.0
Data sharing & sale weight 20% not stated
AI training on your data weight 18% not stated
Data retention & deletion weight 15% 0.0
Governance Coverage
Data Sharing
27 provisions
Privacy Rights
21 provisions
Liability Limitation
18 provisions
Contract Terms
17 provisions
Acceptable Use
17 provisions
Intellectual Property
11 provisions
Data Usage
11 provisions
Arbitration
10 provisions
Data Collection
9 provisions
Indemnification
6 provisions
Quick Facts
Arbitration: Not stated
AI Training: Not stated
Data Retention: Retained after closure
Class Action: Waived
Key Governance Provisions
User Indemnifies Acorns For Terms Of Use Breach

Users bear the financial and legal burden of defending Acorns and its Affiliates against claims that stem from the user's own breach of these Terms, including intellectual property infringement claim…

Acorns Exclusion Of All Consequential And Punitive Damages

This exclusion covers virtually every category of damages a user might seek, including direct damages, which is unusually broad and severely limits any financial remedy available against Acorns.

Acorns Right To Modify Suspend Or Terminate Without Notice

Users may lose access to the Site, Application, or Services at any time without any advance warning from Acorns.

Site And Services Provided On As-Is Basis

The "as is" and "with all faults" disclaimer signals that Acorns makes no representations about the quality or fitness of its Site or Application, which typically accompanies a broader disclaimer of …

Acorns Owns Works Created In Connection With Services

Users formally acknowledge Acorns's complete ownership of all works created in connection with the Services, foreclosing any user ownership claim over such materials.

Document Coverage
Privacypolicy Termsofservice
Last change detected: Sep 30, 2026 Changes (12 months): 4 Documents monitored: 2 Provisions tracked: 0
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Documents

Acorns Privacy Policy

Medium

Acorns' Privacy Policy explains what data Acorns collects about you, how it uses that data, and who it shares it with. Key things to know: your continued use of the …

Dated September 29, 2026 · Privacy policy
0 provisions 24 versions captured 1 significant change Version history →

Acorns Terms of Service

High

These terms govern your use of Acorns' app and website. Acorns can change the terms, modify or shut down the service, or terminate your access at any time — sometimes …

Terms of service
0 provisions 23 versions captured Version history →

Recent Changes

September 30, 2026 · Acorns Privacy Policy Medium

Acorns updated its Privacy Policy effective September 29, 2026, to disclose new data practices related to its Invest My Tips feature. The policy now explicitly describes what personal information is …

View change record →
📈 Policy Drift Analysis View all changes →

Selected provisions (0 of 0)

No provisions found.

Compare Acorns with other platforms →

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Companies change their terms without announcing it. We capture governance documents, compare each new version with the last, and publish what changed, with the source text behind it. One email a week on what we found and what we could not reach.

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Frequently Asked Questions

What Acorns documents does ConductAtlas track?

ConductAtlas tracks 2 Acorns documents including terms of service, privacy policy, and other governance documents. Every document is captured daily with cryptographic verification.

How many policy changes has Acorns made in the past year?

Acorns has made 4 policy changes in the past 12 months across the documents ConductAtlas tracks.

How many provisions has ConductAtlas classified for Acorns?

ConductAtlas has classified 0 provisions across Acorns's tracked documents.

Can I get alerts when Acorns changes their policies?

Yes. Monitor subscribers ($4.99/month) can add Acorns to their watchlist and receive an email alert after the daily check that finds a change to a tracked document. We check daily where we can, and show you where we can't.