“Subject to the limited rights to use the Site, the Application and Services pursuant to these Terms of Use, we retain all right, title and interest in and to the Site, the Application and Services, including all related intellectual property contained therein.”
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 receive only a limited use right; all intellectual property in the Site, Application, and Services remains with Acorns.
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 →Users may use the Site, Application, and Services only within the limited rights granted; they acquire no ownership or broader intellectual property rights.
How other platforms handle this
You may only use our trademarks (or other brand indicia) and copyrights as permitted in our Brand Guidelines or with our prior written permission. We retain all intellectual property rights in our content.
You retain all rights in, and are solely responsible for, the User Content you post to Pinterest.
You retain ownership rights in your Content.
"Subject to the limited rights to use the Site, the Application and Services pursuant to these Terms of Use, we retain all right, title and interest in and to the Site, the Application and Services, including all related intellectual property contained therein.Excerpt from Acorns's Terms of Service
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Users receive only a limited use right; all intellectual property in the Site, Application, and Services remains with Acorns.
Users may use the Site, Application, and Services only within the limited rights granted; they acquire no ownership or broader intellectual property rights.
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