This analysis describes what Acorns's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
The absence of specific retention periods means your financial data could be held indefinitely under broad 'business purposes' justifications — this makes it harder to predict when your data will be deleted and limits the practical impact of deletion requests.
Acorns collects a wide range of sensitive personal and financial information, including government IDs, Social Security numbers, bank credentials, investment activity, and device and location data, and the policy permits sharing this with affiliated companies, service providers, and marketing partners. Users of the Acorns Early product for children should be aware that data related to minor account beneficiaries is also collected and handled under the policy, with the policy noting COPPA applicability. You can submit a data deletion request or opt out of certain data sharing by contacting Acorns at privacy@acorns.com or through the in-app privacy settings.
How other platforms handle this
We retain personal data for as long as necessary to fulfill the purposes for which it was collected, including to satisfy any legal, accounting, or reporting requirements, to resolve disputes, and to enforce our agreements. The criteria used to determine our retention periods include: the length of ...
We may retain de-identified or aggregated information that can no longer be used to identify you for any period of time, including indefinitely.
We retain personal information for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements, or as otherwise permitted or required by applicable law.
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"We retain personal information for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements, or to resolve disputes or enforce our agreements. The criteria used to determine our retention periods include the length of time we have an ongoing relationship with you and whether there is a legal obligation to which we are subject.— Excerpt from Acorns's Acorns Privacy Policy
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The absence of specific retention periods means your financial data could be held indefinitely under broad 'business purposes' justifications — this makes it harder to predict when your data will be deleted and limits the practical impact of deletion requests.
ConductAtlas has identified this type of provision across 116 platforms. See the full comparison.
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