Everything on the Acorns platform belongs to Acorns, and you are only allowed to use it for your own personal investing — you cannot copy, share commercially, or build products using Acorns content.
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
This provision establishes Acorns' intellectual property ownership and defines the scope of permitted user access. The restriction to non-commercial use prevents users from deriving commercial benefit from the service materials or functionality.
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 →Removal of detailed content license scope (non-exclusive, non-transferable, personal use only) eliminates explicit restrictions on user rights to Acorns' intellectual property.
View full change record →Your license to use Acorns is strictly personal and non-transferable — any commercial use of Acorns content, including educational or journalistic use of platform data, could constitute a breach of these Terms.
How other platforms handle this
We hereby grant you a limited, revocable, non-transferable, non-sublicensable license under the rights licensable by us to use the services and use Content from our services solely for your personal use...
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...
Remove, obscure, or alter any notice of any of our trademarks, or other Intellectual Property appearing on or contained within the Services or on any Wise Materials.
"The Services and all content therein, including but not limited to text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, are the property of Acorns or its content suppliers and are protected by United States and international copyright laws. You are granted a limited, non-exclusive, non-transferable license to access and use the Services for personal, non-commercial purposes only.Excerpt from Acorns's Terms of Service
(1) REGULATORY FRAMEWORK: Intellectual property clauses are governed by the Copyright Act (17 U.S.C.
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This provision establishes Acorns' intellectual property ownership and defines the scope of permitted user access. The restriction to non-commercial use prevents users from deriving commercial benefit from the service materials or functionality.
Your license to use Acorns is strictly personal and non-transferable — any commercial use of Acorns content, including educational or journalistic use of platform data, could constitute a breach of these Terms.
ConductAtlas has identified this type of provision across 256 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Acorns.