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
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.
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use TikTok Content...another user's content or generative AI-enabled features for commercial purposes unless permitted by TikTok USDS Joint Venture or the user, respectively...
access or use the Services in a manner that suggests an association with our products, services or brands
Discriminate regarding access to communities or groups that you create, manage, lead, or participate in.
"access or use (or attempt to access or use) another user's account without permission, or solicit another user's login information...Excerpt from Acorns's Terms of Service
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The clause states: “access or use (or attempt to access or use) another user's account without permission, or solicit another user's login information...”
ConductAtlas has identified this type of provision across 282 platforms. See the full comparison.
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