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