Betterment Terms of Use

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) through Betterment at Work, or fully paid securities lending—you will be bound by additional agreements, some with third-party companies like nbkc bank or Apex Clearing Corporation. Betterment also requires you to review specific regulatory disclosure documents, and your personal information is handled under Betterment's Privacy Policy.

Betterment's Terms of Use establishes the contractual frameworks governing customer relationships across Betterment's suite of products and services. The document binds customers to a foundational Customer Agreement, and conditions use of specific products—including Betterment Checking, Betterment at Work 401(k) plans, Betterment Advisor Solutions, and fully paid securities lending—on compliance with distinct, product-specific agreements, some of which are with third parties such as nbkc bank and Apex Clearing Corporation. Customers are required to review layered regulatory disclosures including Form ADV Part 2, Form CRS Conversation Starters, and FINRA's Margin Disclosure Statement. Betterment's data collection and use practices are governed by a dedicated Privacy Policy, and its intellectual property is subject to a dedicated Copyright and Intellectual Property Policy.

As a Betterment user, you are bound by the core Customer Agreement, and each additional product you enroll in—such as Betterment Checking, Betterment at Work 401(k), or fully paid securities lending—triggers a separate contractual obligation, sometimes with a third party rather than Betterment itself. You are required to review specific regulatory disclosures, including Form ADV Part 2, Form CRS Conversation Starters, and FINRA's Margin Disclosure Statement, before using advisory and margin-related services. Your data is handled under Betterment's Privacy Policy, which defines the scope of information collection and use.