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 bear the financial and legal burden of defending Acorns and its Affiliates against claims that stem from the user's own breach of these Terms, including intellectual property infringement claims.
Interpretive note: The excerpt is truncated after item (i); additional indemnification triggers exist but are not quoted and cannot be incorporated into the canonical claim.
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 →If your conduct breaches these Terms—including by infringing a third party's intellectual property—you are required to indemnify and hold Acorns and its Affiliates harmless from resulting suits or claims.
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"You will indemnify and hold the Company and its Affiliates harmless with respect to any suits or claims arising out of (i) your breach of these Terms of Use, including, but not limited to, any infringement by you of the copyright or intellectual property rights of any third party...Excerpt from Acorns's Terms of Service
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Users bear the financial and legal burden of defending Acorns and its Affiliates against claims that stem from the user's own breach of these Terms, including intellectual property infringement claims.
If your conduct breaches these Terms—including by infringing a third party's intellectual property—you are required to indemnify and hold Acorns and its Affiliates harmless from resulting suits or claims.
ConductAtlas has identified this type of provision across 228 platforms. See the full comparison.
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