This is the legal agreement between you and Public.com that covers how you can use their investing app and website. By signing up, you agree to resolve any disputes through private arbitration rather than in court, and you give up your right to join class action lawsuits against Public. It also limits how much Public can be held responsible if something goes wrong with your investments or the platform.
Technical Summary
This document constitutes the Terms of Service for Public.com, a retail investment platform offering stocks, ETFs, crypto, bonds, options trading, and related financial products operated by Public Holdings, Inc. and its subsidiaries (including registered broker-dealer Public Investing, Inc. and crypto entity Public Crypto LLC). The agreement governs user access to the platform, establishes a mandatory arbitration clause with class action waiver, limits Public's liability through broad disclaimers, grants Public a wide license over user-generated content, and reserves Public's right to suspend or terminate accounts at its discretion. Notable provisions include an opt-out right for arbitration (within 30 days of account opening), a comprehensive indemnification obligation on users, and incorporation by reference of separate product-specific agreements.
If you have a dispute with Public.com, you must resolve it through private arbitration rather than going to court. You have 30 days from when you open your account to opt out of this requirement.
You agree to give up your right to join a class action lawsuit against Public and your right to a jury trial. Any dispute must be handled individually, not as part of a group.
Public limits what it can be held financially responsible for if something goes wrong — such as investment losses, platform outages, or errors — often capping damages at the fees you paid in recent months.
Public.com states that the content and tools on its platform do not constitute investment advice, and you are solely responsible for your own investment decisions.
You agree to pay Public's legal costs and damages if a third party sues Public because of something you did on the platform, including content you posted or how you used the service.
When you post content on Public.com — such as comments, investment ideas, or profile information — you grant Public a broad, worldwide license to use, reproduce, and distribute that content.
Public can change these Terms of Service at any time, and your continued use of the platform after changes are posted counts as your agreement to the new terms.
You must be at least 18 years old and a legal US resident to use Public.com. Minors are not permitted to create accounts or use the investment services.
Added March 8, 2026
Cross-platform context
See how other platforms handle Account Suspension and Termination and similar clauses.