Acorns Privacy Policy

This is Acorns' Privacy Policy, explaining how the micro-investing and banking app collects and uses your personal and financial data — including your Social Security number, bank account details, investment activity, and app behavior. The most important thing to know is that Acorns shares your personal information with third-party marketing and advertising partners, analytics companies, and its Earn rewards partners, which goes beyond what many consumers expect from a financial app. California residents can opt out of the sale or sharing of their personal information by submitting a request through Acorns' privacy rights portal.

This document is Acorns' Privacy Policy governing the collection, use, and sharing of personal information across its suite of financial products (brokerage, IRA, banking, and custodial accounts), with legal basis rooted in user consent, contractual necessity, and applicable U.S. financial privacy law including the Gramm-Leach-Bliley Act. The policy requires Acorns to collect extensive personal and financial data — including Social Security numbers, bank account credentials, transaction history, device identifiers, and behavioral/usage data — and permits sharing that data with affiliated companies, service providers, marketing partners, and data analytics firms. A notable deviation from industry standard is the breadth of third-party sharing permitted for marketing and advertising purposes, including with 'Earn' rewards partners and advertising networks, without a straightforward global opt-out mechanism; the policy also embeds tracking via Microsoft Clarity, Amplitude, and RudderStack analytics as disclosed in the page source. The policy engages CCPA/CPRA (California Consumer Privacy Act, Civil Code §1798.100 et seq.) with explicit rights disclosures for California residents, GLBA (15 U.S.C. §6801 et seq.) as the baseline U.S. financial privacy framework, COPPA given the presence of Acorns Early custodial and kids' debit card products, and FINRA/SEC suitability and recordkeeping obligations applicable to the registered broker-dealer and investment adviser entities. Material compliance considerations include ensuring consent mechanisms for behavioral advertising trackers satisfy CCPA opt-out of sale/sharing requirements and that the children's product data handling is fully COPPA-compliant given the minor-facing Acorns Early product line.