“You acknowledge and agree that we will own all right, title, and interest in and to any Materials, content, or other works of authorship created by us or on our behalf and used in connection with the Services.”
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 formally acknowledge Acorns's complete ownership of all works created in connection with the Services, foreclosing any user ownership claim over such materials.
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 have no ownership rights over any content or materials created by Acorns or on its behalf in connection with the Services.
How other platforms handle this
The Microsoft Services Agreement says "Your Content remains Your Content"...We don't own the original stuff that you create.
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.
All content available through the Service, including designs, text, graphics, images, information, software, audio and other files, and their selection and arrangement ("Service Content"), are the proprietary property of Duolingo or its licensors.
"You acknowledge and agree that we will own all right, title, and interest in and to any Materials, content, or other works of authorship created by us or on our behalf and used in connection with the Services.Excerpt from Acorns's Terms of Service
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Users formally acknowledge Acorns's complete ownership of all works created in connection with the Services, foreclosing any user ownership claim over such materials.
Users have no ownership rights over any content or materials created by Acorns or on its behalf in connection with the Services.
ConductAtlas has identified this type of provision across 256 platforms. See the full comparison.
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