Betterment · Betterment Terms of Use · View original document ↗

Securities Lending Agreement with Apex Clearing

High severity High confidence Explicitdocumentlanguage Common · 300 of 352 platforms
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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

ConductAtlas Analysis

Why it matters (compliance & governance perspective)

Enrolling in fully paid securities lending creates a direct contractual relationship with a third-party clearing corporation, Apex Clearing Corporation, under its own agreement—distinct from the general Betterment customer terms.

Clause Stability Stable

0
Changes
3
Months Monitored
Jul 10, 2026
First Seen
Jul 10, 2026
Last Seen
This clause type exists across 6513 other provisions on other platforms.

Consumer impact (what this means for users)

Enrolling in fully paid securities lending binds you to Apex Clearing Corporation's Securities Lending Agreement governing that relationship.

How other platforms handle this

Tinder Medium

These Terms, with the Privacy Policy, Cookie Policy, Community Guidelines, and Safety Tips and any Additional Terms Upon Purchase, contain the entire agreement between you and Tinder regarding the use of our Services.

ActiveCampaign Medium

These Terms constitute the entire agreement between you and ActiveCampaign relating to your access to and use of our Services. Any additional or different terms proposed by you in any purchase order, request for proposal or other document are hereby objected to...

Netflix Medium

We may assign our agreement with you to any affiliated company or to any entity that succeeds to all or substantially all of our business or assets related to the applicable Netflix service.

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▸ View Original Clause Language DOCUMENT RECORD
"
The terms you agree to and that govern your relationship with Apex Clearing Corporation when you enroll in fully paid securities lending.

— Excerpt from Betterment's Betterment Terms of Use

Provision details

Document information
Document
Betterment Terms of Use
Entity
Betterment
Document last updated
March 24, 2026
Tracking information
First tracked
July 9, 2026
Last verified
July 9, 2026
Record ID
CA-P-030397
Document ID
CA-D-00211
Evidence Provenance
Source URL
Wayback Machine
Content hash (SHA-256)
ab3ff7db11e72f7d82ca7556426e9bae4b1d8e3d7bae41eadce3c95ece35cd5c
Analysis generated
July 9, 2026 04:26 UTC
Methodology
Evidence
✓ Snapshot stored   ✓ Hash verified
Citation Record
Entity: Betterment
Document: Betterment Terms of Use
Record ID: CA-P-030397
Captured: 2026-07-09 04:26:59 UTC
SHA-256: ab3ff7db11e72f7d…
URL: https://conductatlas.com/platform/betterment/betterment-terms-of-use/provision/CA-P-030397/securities-lending-agreement-with-apex-clearing/
Accessed: July 12, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
High
Categories

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Frequently Asked Questions

What does Betterment's Securities Lending Agreement with Apex Clearing clause do?

Enrolling in fully paid securities lending creates a direct contractual relationship with a third-party clearing corporation, Apex Clearing Corporation, under its own agreement—distinct from the general Betterment customer terms.

How does this clause affect you?

Enrolling in fully paid securities lending binds you to Apex Clearing Corporation's Securities Lending Agreement governing that relationship.

How many platforms have this type of clause?

ConductAtlas has identified this type of provision across 300 platforms. See the full comparison.

Is ConductAtlas affiliated with Betterment?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Betterment.