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 "as is" and "with all faults" disclaimer signals that Acorns makes no representations about the quality or fitness of its Site or Application, which typically accompanies a broader disclaimer of warranties.
Interpretive note: The excerpt is limited to the disclaimer of basis; any associated warranty disclaimers or carve-outs that typically accompany this language are not quoted and cannot be incorporated.
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 receive the Site and Application exactly as they exist, with no assurance from Acorns about their condition, reliability, or availability.
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Some AI Features may be offered as beta, preview, experimental, or limited-release. They may change or be discontinued at any time and are provided "as is" without guarantees, to the extent permitted by law.
WE CANNOT AND DO NOT REPRESENT OR WARRANT THAT OUR SERVICES OR SERVERS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ASSUME THE ENTIRE RISK AS TO THE QUALITY AND PERFORMANCE OF THE SERVICES.
If our Platform is not ordinarily used for personal, household or domestic use, our liability for a breach of your Consumer Law Rights is limited to either resupplying our Services, or paying the cost...
"THE SITE AND APPLICATION AND ALL RESPECTIVE PARTS THEREOF ARE PROVIDED "AS IS", "WITH ALL FAULTS", AND "AS AVAILABLE".Excerpt from Acorns's Terms of Service
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The "as is" and "with all faults" disclaimer signals that Acorns makes no representations about the quality or fitness of its Site or Application, which typically accompanies a broader disclaimer of warranties.
Users receive the Site and Application exactly as they exist, with no assurance from Acorns about their condition, reliability, or availability.
ConductAtlas has identified this type of provision across 287 platforms. See the full comparison.
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