Captured before automated identity checks (Oct 14, 2026): accurate as of its capture on Jul 1, 2026; our capture on Oct 17, 2026 found the same text, but its identity was not checked by them.
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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.
This page describes what the document states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability may vary by jurisdiction. Methodology
“providers of generative artificial intelligence technologies (including large language models), from which we receive assurances that your personal information is not used for the purpose of model training.”
“We do use advertising technology on our website, which under some State Privacy Laws may be considered a "sale" or "share" of your information.”
“We will never rent or sell your information to anyone.”
“if you hold an account with Betterment, you cannot opt out of certain communications related to the administration of your account, including communications related to billing, statement and trade confirmation delivery, or certain regulatory matters.”
“Note that you cannot opt out of administrative communications, such as emails that contain account statements, notify you regarding changes to your account or contain updates to our terms and conditions.”
“We may also disclose personal information in response to service of legal process, such as a court order, summons, or subpoena, or as permitted or required by law when we reasonably believe it is necessary or appropriate...”
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 your information, but it does share it with third-party service providers including generative AI vendors, and its advertising technology on its website may count as 'sharing' your data under some state laws. You cannot delete your data within the first three years, and you cannot opt out of administrative communications such as account statements and terms updates.
This privacy policy establishes the conditions under which Betterment collects, uses, shares, and retains personal information from its users. Betterment requires personal information as a non-negotiable condition of becoming a customer, conducts identity verification through the third-party vendor Socure (which may collect facial images), and compares users' identifying information against government-provided terrorist watchlists. Betterment commits absolutely never to rent or sell user information, while acknowledging that its advertising technology on its website may constitute a 'sale' or 'share' under certain State Privacy Laws. Customer data is subject to a minimum three-year retention obligation under US regulatory requirements, Betterment retains unilateral authority to amend the policy at any time and at its discretion, and users cannot opt out of administrative or account-related communications.
If you are a Betterment customer, providing personal information is mandatory — there is no way to use the service without it. Your data will be kept for at least three years regardless of any deletion request, and you cannot opt out of billing, statement, trade confirmation, or regulatory communications. Betterment shares your personal information with generative AI providers, relying on those providers' assurances that your data will not be used for model training, but that protection is not a right you hold directly. Betterment's advertising technology on its website may be treated as a 'sale' or 'share' of your information under some state laws — if you are in a state with such protections, you may have the right to opt out of that activity by contacting Betterment.
Which mapped governance frameworks each document engages, tied to the specific provisions that engage them.
We withheld clauses we had published from this document. Each withholding is recorded in our correction log:
“We do use advertising technology on our website, which under some State Privacy Laws may be considered a "sale" or "share" of your information.”
“providers of generative artificial intelligence technologies (including large language models), from which we receive assurances that your personal information is not used for the purpose of model training.”
“We will never rent or sell your information to anyone.”
“if you hold an account with Betterment, you cannot opt out of certain communications related to the administration of your account, including communications related to billing, statement and trade confirmation delivery, or certain regulatory matters.”
“Note that you cannot opt out of administrative communications, such as emails that contain account statements, notify you regarding changes to your account or contain updates to our terms and conditions.”
“We may also disclose personal information in response to service of legal process, such as a court order, summons, or subpoena, or as permitted or required by law when we reasonably believe it is necessary or appropriate...”
“Betterment conducts identity verification through Socure, which may also require the collection of facial images, such as headshots from your identification card and selfie photographs.”
“These service providers also include providers of generative artificial intelligence technologies (including large language models), from which we receive assurances that your personal information is not used for the purpose of model training.”
“Due to US regulatory requirements, we do not delete residual copies of outdated information and must preserve all customer data for a minimum of three years.”
“If you do not wish to provide this information, you cannot become a Betterment customer.”
“We reserve the right to amend this privacy policy at our discretion and at any time.”
“You understand and agree that Betterment will compare your identifying information with government-provided lists of suspected terrorists.”
Every distinct legal provision identified in this document. Featured provisions appear above with analysis.
We have not recorded a change to this document since we began capturing it. Monitor includes alerts from a daily check, structured change summaries, and monitoring for up to 20 platforms.
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See how other platforms handle Advertising Technology May Constitute Sale or Share and similar clauses.
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