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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 updated policy removes explicit language describing how data flows when users sign in via Apple or Google, including what information those services share with Acorns and how it is used. Previously, the policy stated that Acorns receives information such as name and email address through third-party sign-in services solely to manage accounts and provide services. The revised language also shifts the AI chatbot from an optional feature users 'may access' to a stated service Acorns 'uses' to direct users to internal articles. Users no longer have a published explanation of third-party sign-in data practices in the privacy notice, though the terms suggest data shared through third-party services remains subject to those providers' terms.
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To determine the appropriate retention period for personal information, we consider the amount, nature, and sensitivity of the information, the potential risk of harm from unauthorized use or disclosure of the information...
We store your personal information for a period of time that is consistent with the business purposes set forth in Section 3 of this policy or as long as needed to fulfill and comply with legal obligations.
We collect and keep personal data only as needed or allowed for the purposes set out in this Statement, based on the reason we collected the personal data in the first instance and what is permitted under the laws that apply to the processing.
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"The length of time we retain particular categories of personal information is determined based on whether it is sufficient to fulfill the purposes for which we collected it, including to satisfy legal, regulatory, accounting, or reporting requirements...Excerpt from Acorns's Privacy Policy
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The clause states: “The length of time we retain particular categories of personal information is determined based on whether it is sufficient to fulfill the purposes for which we collected it, including to satisfy legal, regulatory, accounting, or reporting requirements...”
ConductAtlas has identified this type of provision across 279 platforms. See the full comparison.
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