Acorns explicitly states that investing through their platform can lose you money, and they make no promise about returns or performance.
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 disclaimer allocates investment risk to the user and defines the scope of Acorns' performance obligations as limited to service provision rather than outcome guarantees. The provision establishes the baseline understanding that investment outcomes depend on market conditions rather than platform performance.
All investment risk is borne solely by you as the user — Acorns takes no responsibility for losses, and this disclaimer may limit your ability to claim damages from investment losses in any arbitration or legal proceeding.
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We have implemented appropriate technical and organizational security measures designed to protect the security of any Personal Information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technolo...
THE SERVICES ARE PROVIDED 'AS IS' AND 'AS AVAILABLE' WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. GRAMMARLY DOES NOT WARRANT THAT THE SERVICES WILL BE UN...
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. REPLIT DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED...
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"INVESTING INVOLVES RISK. THE VALUE OF AN INVESTMENT WILL FLUCTUATE AND CAN GO DOWN AS WELL AS UP. PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. ACORNS DOES NOT GUARANTEE THAT YOU WILL ACHIEVE A PARTICULAR LEVEL OF PERFORMANCE OR THAT YOU WILL NOT LOSE THE MONEY YOU INVEST.— Excerpt from Acorns's Acorns Terms of Service
(1) REGULATORY FRAMEWORK: Investment risk disclaimers are required under SEC and FINRA regulations for registered investment advisers (Investment Advisers Act of 1940, Rule 206(4)-1 advertising rules) and broker-dealers (FINRA Rule 2210 on communications with the public). The SEC's Regulation Best Interest (Reg BI, 17 C.F.R. § 240.15l-1) requires broker-dealers to act in customers' best interests, which may interact with a broad risk disclaimer that disclaims all performance responsibility. (2)
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This disclaimer allocates investment risk to the user and defines the scope of Acorns' performance obligations as limited to service provision rather than outcome guarantees. The provision establishes the baseline understanding that investment outcomes depend on market conditions rather than platform performance.
All investment risk is borne solely by you as the user — Acorns takes no responsibility for losses, and this disclaimer may limit your ability to claim damages from investment losses in any arbitration or legal proceeding.
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