California residents have the right to access, delete, correct, and opt out of the sale or sharing of their personal information, and can exercise these rights by emailing Betterment or using the opt-out link on the website.
This analysis describes what Betterment'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
These rights give California users meaningful control over their sensitive financial data, including the ability to stop Betterment from sharing it with advertising and analytics partners.
Interpretive note: The interaction between GLBA's partial CCPA exemption and the full suite of rights asserted in this provision may affect the practical scope of rights available for certain categories of financial data.
If you are a California resident, you can request that Betterment stop sharing your financial and personal data with third parties for advertising or cross-context behavioral purposes, and you can request access to or deletion of the data Betterment holds about you.
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We may also collect your personal data from other people or companies.
If you are a California resident, you may have the right to: Know what personal information we collect, use, disclose, sell, or share. Correct inaccurate personal information. Delete your personal information. Opt out of the sale or sharing of your personal information. Limit the use and disclosure ...
If you are a California resident, you have the right to know what personal information we collect, use, and disclose about you; the right to request deletion of your personal information; the right to opt out of the sale or sharing of your personal information; the right to correct inaccurate person...
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"If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA): The right to know what personal information we collect, use, disclose, and sell. The right to delete your personal information. The right to correct inaccurate personal information. The right to opt out of the sale or sharing of your personal information. The right to limit the use and disclosure of sensitive personal information. You may exercise these rights by contacting us at privacy@betterment.com or by using the Do Not Sell or Share My Personal Information link on our website.— Excerpt from Betterment's Betterment Privacy Policy
1) REGULATORY LANDSCAPE: This provision directly addresses CCPA and CPRA obligations. The California Privacy Protection Agency and the California Attorney General have joint enforcement authority. CPRA introduced the right to correct inaccurate personal information and the right to limit use of sensitive personal information, both of which are referenced in this provision. Financial institutions subject to GLBA have a partial exemption from CCPA for certain data categories, and the interaction between the GLBA exemption and CCPA's scope for Betterment's specific data categories should be assessed. 2) GOVERNANCE EXPOSURE: Medium. The provision establishes consumer-facing rights mechanisms, but the interaction between GLBA's partial CCPA exemption and the full suite of rights asserted here may require clarification. If Betterment is asserting CCPA rights over data that would otherwise fall within the GLBA exemption, this may either represent a more consumer-protective posture or create internal inconsistency in policy application. 3) JURISDICTION FLAGS: These rights apply exclusively to California residents under CCPA and CPRA. Similar rights exist in Virginia, Colorado, Connecticut, Texas, and other states with comprehensive privacy laws, though the policy does not explicitly address those frameworks. Non-California users may have fewer formal rights under this policy. 4) CONTRACT AND VENDOR IMPLICATIONS: To honor opt-out requests effectively, Betterment must be able to operationalize suppression of data sharing across all service provider and analytics vendor relationships. Procurement teams should confirm that vendor contracts include mechanisms to honor consumer opt-out signals and deletion requests within required statutory timeframes. 5) COMPLIANCE CONSIDERATIONS: Compliance teams should verify that the opt-out mechanism for sale and sharing is technically functional and that opt-out signals including Global Privacy Control are honored within required timelines; confirm that response processes for access, deletion, and correction requests meet CCPA statutory timeframes of 45 days with one 45-day extension; and assess whether the sensitive personal information limitation right is operationalized across all data processing systems.
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These rights give California users meaningful control over their sensitive financial data, including the ability to stop Betterment from sharing it with advertising and analytics partners.
If you are a California resident, you can request that Betterment stop sharing your financial and personal data with third parties for advertising or cross-context behavioral purposes, and you can request access to or deletion of the data Betterment holds about you.
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