You must be at least 18 years old to use Public.com independently; users between 13 and 17 can use the platform only with parental supervision and consent, and children under 13 are not permitted to use the service.
This analysis describes what Public.com'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 age eligibility requirement is legally significant because investment accounts for minors typically require custodial account structures with specific regulatory requirements, and the terms create a blanket warranty of user eligibility that users must self-certify.
Interpretive note: The operational mechanism for establishing parental supervision and consent for 13-to-17-year-old users is not specified in the terms, creating ambiguity about how compliance with this provision is verified in practice.
Users who are minors and access the platform without parental supervision or who misrepresent their age may find their accounts suspended and their transactions voidable, with potential complications in recovering assets held in the account.
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"The Service is not directed to children under the age of 13. By using the Service, you represent and warrant that you are at least 18 years of age, or if you are between the ages of 13 and 17, that you are using the Service with the supervision of a parent or legal guardian who agrees to be bound by these Terms.Excerpt from Public.com's Terms of Service
REGULATORY LANDSCAPE: The Children's Online Privacy Protection Act (COPPA) prohibits collection of personal information from children under 13 without verifiable parental consent, and the platform's statement that the service is not directed to children under …
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The age eligibility requirement is legally significant because investment accounts for minors typically require custodial account structures with specific regulatory requirements, and the terms create a blanket warranty of user eligibility that users must self-certify.
Users who are minors and access the platform without parental supervision or who misrepresent their age may find their accounts suspended and their transactions voidable, with potential complications in recovering assets held in the account.
ConductAtlas has identified this type of provision across 290 platforms. See the full comparison.
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