Generated by a model from the captured document; not read by a person

An automated investment platform that provides robo-advisory services, retirement planning, and cash management accounts to individual investors in the United States. The company's terms of service and privacy policy are significant to consumers because they govern how personal financial data is collected and used, define the investment advisory relationship, and establish liability limitations for automated investment decisions that directly impact users' financial assets.

2 Documents
3 All provisions
0 Changes · 12 mo
- Last change
Objective measurements
Counted directly from the archive for Betterment — documents, captured versions, and detected changes.
2
Documents tracked
6
Versions captured
0
Changes · 12 mo
0
Changes · all-time
ConductAtlas User-Protection Index
Insufficient coverage
Insufficient coverage to score
Only 1 of 6 governance dimensions are confidently known for Betterment — too few for a headline score. What we do have is shown below.
How is this scored? →

Higher = more protective of you, the user/customer — a deliberately user-protective lens, not a universal “good vs bad” score. Computed algorithmically from Betterment’s cited governance stances; no dimension we haven’t confidently read is ever counted against the score. Free, reproducible, and never purchasable.

Consumer tier · insufficient coverage (scored on 1 of 6)
Arbitration & class action weight 22% not stated
Data sharing & sale weight 20% not stated
AI training on your data weight 18% not stated
Data retention & deletion weight 15% 0.0
Content ownership & licence weight 15% not stated
Liability & warranties weight 10% not stated
Business tier · insufficient coverage (scored on 2 of 6)
Arbitration & class action weight 22% not stated
Data sharing & sale weight 20% 45.0
AI training on your data weight 18% not stated
Data retention & deletion weight 15% 15.7
Content ownership & licence weight 15% not stated
Liability & warranties weight 10% not stated
Governance Coverage
Data Sharing
26 provisions
Privacy Rights
24 provisions
Data Collection
14 provisions
Other
9 provisions
Data Usage
9 provisions
Data Retention
7 provisions
Contract Terms
6 provisions
Policy Changes
4 provisions
Account Control
3 provisions
Disclosure Requirements
3 provisions
Quick Facts
Arbitration: Not stated
AI Training: Not stated
Data Retention: Retained after closure
Class Action: Not stated
Key Governance Provisions
Advertising Technology May Constitute Sale or Share

The clause is consequential because it acknowledges that Betterment's advertising technology practices may trigger legal protections afforded to consumers under State Privacy Laws governing the sale …

Minimum Three-Year Customer Data Retention

The clause is consequential because it establishes that customer data cannot be deleted within three years, limiting any practical effect of deletion requests during that period.

Cannot Opt Out of Administrative Communications

The clause is consequential because it removes user control over a defined category of communications that Betterment classifies as administrative.

Disclosure in Response to Legal Process

The clause is consequential because it authorizes Betterment to disclose personal information to third parties outside the user relationship under legal compulsion or legal permission combined with B…

AI Provider Not to Use Data for Model Training

The clause is consequential because it defines the extent of Betterment's stated protection: the safeguard rests on third-party assurances rather than Betterment's own direct control over how AI prov…

Document Coverage
Privacypolicy Termsofservice
Last change detected: - Changes (12 months): 0 Documents monitored: 2 Provisions tracked: 3
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Documents

Betterment Privacy Policy

Medium

This document explains how Betterment handles your personal information — what it collects, who it shares it with, and how long it keeps it. Betterment will never rent or sell …

Dated June 30, 2026 · Privacy policy
3 provisions 3 versions captured Version history →

Betterment Terms of Use

Terms of service
0 provisions 3 versions captured Version history →
📈 Policy Drift Analysis View all changes →

Selected provisions (0 of 3)

No provisions found.

Compare Betterment with other platforms →

Get the weekly coverage letter

Companies change their terms without announcing it. We capture governance documents, compare each new version with the last, and publish what changed, with the source text behind it. One email a week on what we found and what we could not reach.

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Frequently Asked Questions

What Betterment documents does ConductAtlas track?

ConductAtlas tracks 2 Betterment documents including terms of service, privacy policy, and other governance documents. Every document is captured daily with cryptographic verification.

How many policy changes has Betterment made in the past year?

Betterment has made 0 policy changes in the past 12 months across the documents ConductAtlas tracks.

How many provisions has ConductAtlas classified for Betterment?

ConductAtlas has classified 3 provisions across Betterment's tracked documents.

Can I get alerts when Betterment changes their policies?

Yes. Monitor subscribers ($4.99/month) can add Betterment to their watchlist and receive an email alert after the daily check that finds a change to a tracked document. We check daily where we can, and show you where we can't.