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 are bound by updated terms through the act of continued use alone, without requiring any affirmative acknowledgment or signature.
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 →Continuing to use the Site, Application, or Services after Acorns posts revised Terms of Use binds users to those revised terms.
How other platforms handle this
If we do not hear from you during the notice period, you will be considered as having accepted the proposed changes and they will apply to you from the effective date specified on the notice.
Your continued use of your Steam Account more than thirty (30) calendar days after the entry into force of the changes will constitute your acceptance of the changes.
Your continued use of the Services after the changes become effective will constitute your acceptance of the changes.
"Your continued use of the Site, Application or Services after we have posted revised Terms of Use signifies your acceptance of such revised Terms of Use.Excerpt from Acorns's Terms of Service
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Companies change their terms quietly. We read every version and catch what actually changed. One email a week on the changes that matter and what they mean.
Users are bound by updated terms through the act of continued use alone, without requiring any affirmative acknowledgment or signature.
Continuing to use the Site, Application, or Services after Acorns posts revised Terms of Use binds users to those revised terms.
ConductAtlas has identified this type of provision across 289 platforms. See the full comparison.
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