Acorns can change the rules of your agreement at any time, and simply continuing to use the app counts as agreeing to those new rules — even if you didn't read the changes.
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 provision establishes the operational framework through which Acorns may alter the contractual relationship between itself and users without requiring separate affirmative consent, relying instead on a notice-and-continued-use acceptance mechanism. The clause defines the notice pathway (website posting, email, or app notification) and the acceptance trigger (continued service usage).
Acorns can change any term of your agreement unilaterally, and staying logged in or making an investment after the change means you legally agreed — even to terms that may reduce your rights or increase your costs.
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We may modify these Terms from time to time. When we make material changes to these Terms, we will notify you by updating the date at the top of these Terms and, in some cases, we may provide you with additional notice (such as adding a statement to our homepage or sending you a notification). Your ...
"Content" means anything you or your Customers create or make available through the Service in connection with your Account, including your intellectual property (e.g. trademarks, trade names, service marks, and copyrighted works); the products or services you offer (e.g., courses, coaching, members...
By posting, uploading, inputting, providing or submitting your Content you grant Kit, its affiliated companies and necessary sublicensees permission to use your Content in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, trans...
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"Acorns reserves the right to modify these Terms of Use at any time. Acorns will post the modified Terms of Use on the Acorns website and/or notify you via email or through the Acorns app. Your continued use of the Services after the posting of any modified Terms of Use constitutes your acceptance of such modifications.— Excerpt from Acorns's Acorns Terms of Service
(1) REGULATORY FRAMEWORK: Unilateral modification clauses are scrutinized under FTC Act Section 5 (unfair or deceptive acts), CFPB UDAAP standards, and various state consumer protection statutes. California courts have held that unilateral modification clauses combined with continued-use acceptance may not be enforceable where material changes are not adequately disclosed (Norcia v. Samsung Telecommunications America, LLC, 845 F.3d 1279). Financial services modifications must also comply with Regulation E (12 C.F.R. § 1005.8) requiring 21-day advance notice before changes to terms that increase consumer liability. (2)
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This provision establishes the operational framework through which Acorns may alter the contractual relationship between itself and users without requiring separate affirmative consent, relying instead on a notice-and-continued-use acceptance mechanism. The clause defines the notice pathway (website posting, email, or app notification) and the acceptance trigger (continued service usage).
Acorns can change any term of your agreement unilaterally, and staying logged in or making an investment after the change means you legally agreed — even to terms that may reduce your rights or increase your costs.
ConductAtlas has identified this type of provision across 21 platforms. See the full comparison.
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