Betterment may use your contact information to send you marketing messages, but you can unsubscribe from promotional emails at any time; however, Betterment will still send you account and service-related messages regardless.
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
Opting out of marketing only stops promotional messages and does not affect Betterment's ability to contact you for account management, legal notices, or service updates.
The updated policy discloses a new Fully Paid Securities Lending program through Apex Clearing, under which Betterment will share customer personal information and account details with Apex if customers choose to participate. The revised terms also establish that generative AI service providers have committed that personal information will not be used for model training. For customers participating in promotional offers requiring offline fulfillment, the policy now explicitly states that personal information including mailing address may be shared with third-party partners. You can review the FPSL Program supplemental disclosures for details about the securities lending arrangement, or choose not to participate in the program.
View change record →This provision clarifies marketing opt-out mechanisms and specifies that transactional communications remain exempt, replacing the previous 'Joint Marketing Data Sharing' provision with more user-friendly guidance.
View full change record →This provision means you can stop receiving promotional emails and notifications by unsubscribing, but Betterment retains the right to contact you with transactional messages about your account even after you opt out of marketing.
How other platforms handle this
You may give us your Identity Data, Contact Data, Financial Data, Profile Data, and other information by filling in forms or by corresponding with us by post, phone, e-mail or otherwise.
telemetry information collected includes: (i) microservice settings, (ii) usage data and (iii) hardware environment.
Some of our ad partners may also enable us to collect similar data directly from their website or app by integrating our or our affiliates' advertising technology.
"We may use your personal information to send you promotional communications about our products and services, including via email, push notifications, and in-app messages. You can opt out of receiving promotional emails by clicking the unsubscribe link in any marketing email or by contacting us at privacy@betterment.com. Please note that even if you opt out of marketing communications, we may still send you transactional or service-related communications.Excerpt from Betterment's Privacy Policy
1) REGULATORY LANDSCAPE: Email marketing to consumers is governed by the CAN-SPAM Act, which requires a clear and conspicuous unsubscribe mechanism and prohibits deceptive headers or subject lines.
Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.
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Opting out of marketing only stops promotional messages and does not affect Betterment's ability to contact you for account management, legal notices, or service updates.
This provision means you can stop receiving promotional emails and notifications by unsubscribing, but Betterment retains the right to contact you with transactional messages about your account even after you opt out of marketing.
ConductAtlas has identified this type of provision across 296 platforms. See the full comparison.
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