Version history

In an update detected on September 10, 2026, Acorns added promotional messaging to its Terms of Service page offering to match up to $50 in lost bet funds and invest them for users. The change consists of six added sentences featuring promotional language ('Lost a bet? Want it back? TAP HERE — we'll match it up to $50 and invest it for you') appearing twice in the document structure, along with an expanded list of bonus promotion terms and conditions. This is a formatting and promotional messaging update with no material change to Acorns' binding legal obligations or user rights.

The diff provided shows only the table of contents and navigation menu structure of Acorns' Terms of Service, with no substantive policy language visible in either version. The truncated comparison does not reveal what specific terms were modified, what rights or obligations changed, or what operational difference the update creates. Without access to the actual changed policy sections, the nature and significance of this update cannot be determined from the provided diff.

The provided diff shows the table of contents and navigation menu of Acorns' Terms of Service, but the actual substantive terms content is truncated in both the BEFORE and AFTER versions. The change detection indicates 1 sentence was modified, but the truncated diff does not reveal what that sentence is or what operational change it creates. Without access to the full substantive text, the specific nature and implications of the modification cannot be determined.

The provided diff context shows nearly identical BEFORE and AFTER text containing only navigation menu items and promotional terms listings. The change summary states 1 sentence was modified, but the truncated diff does not display the specific sentence that changed. Without visibility into the actual modified sentence, no operational change can be determined from the available information.

The change detection captured a modification to one sentence in Acorns' Terms of Service on August 8, 2026. The diff context provided shows truncated table of contents and promotional terms listings for both the BEFORE and AFTER versions, but the actual modified sentence content is not included in the diff. Without visibility into what the sentence previously stated versus what it now states, the operational impact cannot be determined from the information provided.

Acorns revised its Acorns Checking disclosure to specify that ATM fee waivers cover 'over 55,000 fee-free ATMs within the AllPoint Network' rather than a general reference to the AllPoint Network. More significantly, the updated terms relocated FDIC insurance language and restructured coverage descriptions. The prior language stated 'Acorns Checking is not FDIC-insured' followed by an explanation of how funds may be placed at other banks. The updated language removes the 'not FDIC-insured' statement and expands the deposit insurance description to clarify that balances held with Lincoln Savings Bank or nbkc bank, 'including but not limited to those balances held in Acorns Checking accounts,' are insured up to $250,000 per depositor, with separate coverage for joint account owners. The restructured language preserves the disclosure that funds may be placed at other FDIC-insured institutions through a deposit network service.

The change detected on August 4, 2026 involves a modification to one sentence within Acorns' Terms of Service. The specific content of the modified sentence cannot be fully assessed from the provided diff context, which shows truncated navigation and promotional links rather than substantive policy language. Without visibility into the complete text of the before-and-after sentence, the operational significance of this change cannot be reliably determined.

The change detected in Acorns' Terms of Service on July 14, 2026 involved modification of one sentence within the document. The specific operational impact of this modification cannot be determined from the available change summary, as the actual text of the modified sentence was not provided in the diff context. Without visibility into what language was changed, added, or removed, the practical significance of this update cannot be assessed.

Acorns updated their Terms of Service on May 28, 2026, with two sentence modifications. The change adds 'Reviews' to the footer navigation menu. This is a minor formatting and navigation change with no material impact on substantive terms, user rights, obligations, or service features.

Acorns added two new promotional offer terms to its Terms of Service document index on May 16, 2026: 'Acorns $50 Opendorse Promotion Terms and Conditions' and 'Acorns $20 Money Therapy Bonus Investment Promotion Terms and Conditions'. These are new promotional programs now referenced in the master terms. The substantive mandatory arbitration and class action waiver language in the Terms of Use itself remains unchanged.

Acorns added a link to its Privacy Policy in the navigation footer of its Terms of Service document on May 5, 2026. This is a minor organizational change that makes the Privacy Policy more accessible to users browsing the legal documents. The change does not alter the actual terms, rights, or obligations in either document.

Acorns added a new promotional offer called '$20 Research Bonus Investment Promotion Terms and Conditions' to their terms of service document on April 30, 2026. This appears to be a new bonus promotion program similar to other existing bonus offers Acorns already advertises. The change is administrative and does not modify any binding contractual terms, rights, or obligations.