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
The provision establishes disclosure requirements regarding the source and calculation methodology of third-party app store ratings, while clarifying the limitations of such ratings as indicators of service quality. It also clarifies the commercial relationship between Betterment and Apple, limiting compensation to distribution services only.
Users accessing the website encounter a rating that aggregates reviews across two different platforms using different algorithms, with explicit notice that this metric may not reflect the actual quality of Betterment's advisory services or investment returns. The disclosure operates to inform users about the rating's origin and methodological constraints rather than authorize or restrict any user action.
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"The rating displayed on the website reflects the weighted average of reviews across the App Store and Google Play. The App Store rating is calculated and generated by Apple based on the average of all total app reviews. The Google Play rating is calculated and generated by Google based on most recent reviews. The number of reviews is the combined total. Rating may not be representative of the Betterment client experience, advisory services, or investment performance. Betterment compensates Apple, Inc. for distributing the Betterment app only.— Excerpt from Betterment's Betterment Terms of Use
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The provision establishes disclosure requirements regarding the source and calculation methodology of third-party app store ratings, while clarifying the limitations of such ratings as indicators of service quality. It also clarifies the commercial relationship between Betterment and Apple, limiting compensation to distribution services only.
Users accessing the website encounter a rating that aggregates reviews across two different platforms using different algorithms, with explicit notice that this metric may not reflect the actual quality of Betterment's advisory services or investment returns. The disclosure operates to inform users about the rating's origin and methodological constraints rather than authorize or restrict any user action.
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