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
38 All provisions 2 High severity 24 Medium severity 12 Low severity
2 Changes · 12 mo
Jul 1, 2026 Last change

High, provisions that significantly limit your legal rights, authorize broad data collection, or create material financial exposure. Medium, provisions worth knowing about but with partial protections or limited scope. Low, standard terms with minimal consumer impact.

Governance Coverage
Data Sharing
26 provisions · 5 high · 18 med
Privacy Rights
24 provisions · 4 high · 9 med
Contract Terms
17 provisions · 6 high · 11 med
Data Collection
15 provisions · 4 high · 9 med
Other
9 provisions · 2 high · 4 med
Disclosure Requirements
9 provisions · 4 high · 3 med
Data Usage
9 provisions · 1 high · 5 med
Data Retention
8 provisions · 3 high · 4 med
Policy Changes
4 provisions · 3 high · 1 med
Account Control
3 provisions · 1 high · 2 med
Quick Facts
AI Training: Disclosed (high impact)
Data Retention: Specified
Key Governance Provisions
High 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 …

High 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.

High 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.

High 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…

High 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: Jul 1, 2026 Changes (12 months): 2 Documents monitored: 2 Provisions tracked: 38
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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 …

Last updated May 5, 2026 · Privacy policy
9 provisions 3 versions captured 1 significant change Version history →

Betterment Terms of Use

Medium

This document sets out the rules and agreements that govern your relationship with Betterment when you use its services. Depending on which products you use—such as Betterment Checking, a 401(k) …

Last updated March 24, 2026 · Terms of service
6 provisions 3 versions captured Version history →

Recent Changes

July 1, 2026 · Betterment Privacy Policy Medium

Betterment updated its Privacy Policy on July 1, 2026 to remove two sentences about its optional account recommender tool and generative AI summarization feature, and replaced them with broader language …

View change record →
📈 Policy Drift Analysis View all changes →

High Severity Provisions (2)

View all high severity provisions → Compare Betterment with other platforms →

Applicable Regulations

CCPA/CPRA
California, USA
View official text ↗
CFAA
United States Federal
View official text ↗
Connecticut Data Privacy Act Amendments
US-CT
View official text ↗
CAN-SPAM
United States Federal
View official text ↗
EFTA / Reg E
United States Federal
View official text ↗
FCRA
United States Federal
View official text ↗
FTC Act Section 5
United States Federal
View official text ↗
GLBA
United States Federal
View official text ↗
Indiana Consumer Data Protection Act
US-IN
View official text ↗
Kentucky Consumer Data Protection Act
US-KY
View official text ↗
Universal Opt-Out Mechanism Expansion 2026
US
View official text ↗

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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 2 policy changes in the past 12 months across the documents ConductAtlas tracks.

How many provisions has ConductAtlas classified for Betterment?

ConductAtlas has classified 38 provisions across Betterment's tracked documents. 2 are rated high severity, 24 medium, and 12 low.

Can I get alerts when Betterment changes their policies?

Yes. Monitor subscribers ($4.99/month) can add Betterment to their watchlist and receive same-day email alerts whenever any tracked document changes.