Public.com can change the rules of your agreement at any time, and if you keep using the app after the changes go live, you automatically agree to the new terms whether or not you read them.
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
This means important terms governing your investments, fees, or legal rights could change with only an email notification, and your continued use is treated as consent even if you were not aware of the specific changes.
Interpretive note: The determination of what constitutes a 'material change' is reserved to Public's sole discretion, and the adequacy of electronic notice as a substitute for affirmative consent may vary by jurisdiction and regulatory context.
Investment platform terms governing fee structures, account access conditions, and legal rights can change materially with as little as 30 days notice, with no requirement for affirmative re-consent, potentially altering the conditions under which users hold assets on the platform.
How other platforms handle this
You may give us your Identity Data, Contact Data, Financial Data, Profile Data, and other information by filling in forms or by corresponding with us by post, phone, e-mail or otherwise.
telemetry information collected includes: (i) microservice settings, (ii) usage data and (iii) hardware environment.
Some of our ad partners may also enable us to collect similar data directly from their website or app by integrating our or our affiliates' advertising technology.
"We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.Excerpt from Public.com's Terms of Service
REGULATORY LANDSCAPE: Unilateral amendment clauses in consumer financial services agreements may require evaluation under CFPB unfair, deceptive, or abusive acts or practices authority, particularly where material changes affect financial terms or legal rights without affirmative …
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Companies change their terms quietly. We read every version and catch what actually changed. One email a week on the changes that matter and what they mean.
This means important terms governing your investments, fees, or legal rights could change with only an email notification, and your continued use is treated as consent even if you were not aware of the specific changes.
Investment platform terms governing fee structures, account access conditions, and legal rights can change materially with as little as 30 days notice, with no requirement for affirmative re-consent, potentially altering the conditions under which users hold assets on the platform.
ConductAtlas has identified this type of provision across 296 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Public.com.