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
Users formally acknowledge Acorns's complete ownership of all works created in connection with the Services, foreclosing any user ownership claim over such materials.
The updated terms clarify FDIC insurance protections for Acorns Checking depositors. The prior disclosure stated that Acorns Checking itself is not FDIC-insured; the updated language states that balances held with Lincoln Savings Bank or nbkc bank, including those in Acorns Checking accounts, are insured up to $250,000 per depositor through these member banks, with separate coverage for joint account owners. The updated terms preserve the disclosure that funds may be placed at other FDIC-insured depository institutions through a deposit network service. The revised ATM language specifies access to 'over 55,000 fee-free ATMs' rather than a general reference to the AllPoint Network.
View change record →Users have no ownership rights over any content or materials created by Acorns or on its behalf in connection with the Services.
How other platforms handle this
Copy, modify, or create derivative works of the services or any Content (excluding Your Content) without our express written permission.
Tinder grants you a personal, worldwide, royalty-free, non-assignable, non-exclusive, revocable, and non-sublicensable license to access and use our Services for purposes as intended by Tinder and permitted by these Terms and applicable laws.
Any intellectual property rights vested by Twilio under this Agreement will include the rights set forth in Article 27 (Right of Adaptation) and 28 (Original Author's Right in Derivative Works) of the Copyright Act of Japan...
"You acknowledge and agree that we will own all right, title, and interest in and to any Materials, content, or other works of authorship created by us or on our behalf and used in connection with the Services.Excerpt from Acorns's Terms of Service
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Users formally acknowledge Acorns's complete ownership of all works created in connection with the Services, foreclosing any user ownership claim over such materials.
Users have no ownership rights over any content or materials created by Acorns or on its behalf in connection with the Services.
ConductAtlas has identified this type of provision across 256 platforms. See the full comparison.
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