The agreement authorizes Acorns to modify the Terms at any time, with notice of material changes delivered via email or in-app notification. Continued use of the services after changes become effective constitutes acceptance of the revised terms, including any fee 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 that Acorns determines unilaterally whether a change is material and what notice is required, with continued platform use serving as the mechanism for acceptance. This applies to subscription fee modifications as well as substantive rights and obligations under the agreement.
Interpretive note: The adequacy of email-only notice for material changes, including fee modifications, may be subject to challenge under state consumer protection statutes requiring affirmative consent; applicability varies by jurisdiction.
Under this clause, Acorns may modify the Terms, including subscription fees and service conditions, with notice delivered by email or in-app posting. The agreement states that continued use after the effective date of changes constitutes acceptance, without requiring affirmative user consent to modifications.
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Coinbase reserves the right to change its fee structure and fees at any time. Such changes will be posted on our website and will become immediately effective. Your continued use of the Coinbase Services after the posting of changes constitutes your acceptance of such changes.
Stripe may revise these General Terms, the Services Terms, and the Fees at any time by posting updated versions to our website or notifying you by email. The updated version will be effective as of the time it is posted or, if we notify you by email, as stated in the email. Your continued use of the...
We may update these Terms from time to time. We will notify you of material changes by posting a notice on our website or sending you an email at least 30 days before the changes take effect. Your continued use of the Services after the changes take effect constitutes your acceptance of the new Term...
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"We may revise these Terms from time to time. If we make a change to these Terms that, in our sole discretion, is material, we will notify you, such as by sending an email or providing notice within the Services. By continuing to use the Services after those changes become effective, you agree to the new Terms.— Excerpt from Acorns's Acorns Terms of Service
(1) REGULATORY LANDSCAPE: The unilateral modification provision may engage the FTC Act's unfair or deceptive acts or practices authority, particularly if material changes to financial terms are not communicated with sufficient prominence. CFPB guidance on consumer financial services contracts has addressed the adequacy of notice mechanisms for material contract changes. State consumer protection statutes in California and New York may impose additional requirements for affirmative consent to material changes in financial services agreements. (2) GOVERNANCE EXPOSURE: Medium. The provision grants Acorns sole discretion to determine what constitutes a material change, which creates uncertainty about the notice threshold for changes to fees, investment services, or dispute resolution terms. For subscription fee changes specifically, the adequacy of email-only notice may be subject to challenge under state consumer protection standards. (3) JURISDICTION FLAGS: California's Automatic Renewal Law and similar statutes in other states may impose affirmative consent requirements for material changes to subscription terms, creating heightened exposure for fee modifications communicated only via email or posting. New York's consumer protection framework may similarly require more than passive acceptance for material contractual changes. (4) CONTRACT AND VENDOR IMPLICATIONS: The unilateral modification right is standard in consumer software and financial services agreements but may face scrutiny in jurisdictions requiring affirmative consent to material changes. Legal teams should assess whether the notice mechanism satisfies applicable state consumer protection disclosure standards. (5) COMPLIANCE CONSIDERATIONS: Compliance teams should audit the company's change notification procedures to confirm that material fee and terms changes are communicated via the methods specified in the Terms and with sufficient advance notice to satisfy applicable consumer protection requirements. The adequacy of email notification as the sole notice mechanism for material changes should be evaluated against FTC and CFPB guidance.
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This provision establishes that Acorns determines unilaterally whether a change is material and what notice is required, with continued platform use serving as the mechanism for acceptance. This applies to subscription fee modifications as well as substantive rights and obligations under the agreement.
Under this clause, Acorns may modify the Terms, including subscription fees and service conditions, with notice delivered by email or in-app posting. The agreement states that continued use after the effective date of changes constitutes acceptance, without requiring affirmative user consent to modifications.
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