Generated by a model from the captured document; not read by a person

A commission-free stock trading and investment platform that allows users to buy and sell stocks, options, ETFs, and cryptocurrencies through a mobile app and web interface. The platform offers margin trading services and handles sensitive financial data including bank account information, investment portfolios, and personal identification details. Policy changes affect users' trading rights, margin requirements, data privacy protections, and dispute resolution procedures for financial transactions.

4 Documents
35 All provisions
2 Changes · 12 mo
Aug 20, 2026 Last change
Objective measurements
Counted directly from the archive for Robinhood — documents, captured versions, and detected changes.
4
Documents tracked
77
Versions captured
2
Changes · 12 mo
2
Changes · all-time
159.0 d
Avg between changes
64
Days since change
159 d
Longest stable stretch
ConductAtlas User-Protection Index
Provisional · scored on 3 of 6
25.0/100
Consumer tier · provisional until more dimensions are known
How is this scored? →
Baseline 25.0 here · corpus average 31.4 across 191 scored platforms Middle 50% Q1 18.4 · median 30.8 · Q3 42.3

Higher = more protective of you, the user/customer — a deliberately user-protective lens, not a universal “good vs bad” score. Computed algorithmically from Robinhood’s cited governance stances; no dimension we haven’t confidently read is ever counted against the score. Free, reproducible, and never purchasable.

Consumer tier · 25.0/100 · provisional · scored on 3 of 6
Arbitration & class action weight 22% 0.0
Data sharing & sale weight 20% 65.0
AI training on your data weight 18% not stated
Data retention & deletion weight 15% not stated
Content ownership & licence weight 15% not stated
Liability & warranties weight 10% 0.0
Governance Coverage
Data Sharing
22 provisions
Data Collection
20 provisions
Privacy Rights
14 provisions
Data Usage
8 provisions
Data Retention
5 provisions
Ai Automated
3 provisions
Acceptable Use
2 provisions
Enforcement Actions
2 provisions
Platform Discretion
2 provisions
Account Control
2 provisions
Quick Facts
Arbitration: Required
AI Training: Not stated
Data Retention: Not stated
Class Action: Waived
Key Governance Provisions
API and Personal Information Sharing with Third-Party Licensees

This provision discloses that API product use may transfer sensitive financial and identity information to third-party licensees whose security practices may be less rigorous than Robinhood's, and th…

Account Liquidation Without Notice

This provision authorizes Robinhood to liquidate customer securities positions without advance notice in a range of circumstances including margin deficiency, ACH reversal, bankruptcy petition, accou…

Broad Right of Offset Across Affiliated and External Accounts

This provision establishes a cross-entity, post-termination right of offset that extends beyond the brokerage account to external bank accounts and accounts in which the customer holds only a benefic…

Predispute Arbitration Clause

This provision requires disputes to proceed through individual arbitration rather than court litigation, and customers are put on notice of this clause at the point of account opening. The enforceabi…

Predispute Arbitration Clause

This clause establishes that disputes arising from margin account activities are subject to mandatory predispute arbitration as set out in the incorporated Customer Agreement, requiring customers to …

Document Coverage
Privacypolicy Termsofservice
Last change detected: Aug 20, 2026 Changes (12 months): 2 Documents monitored: 4 Provisions tracked: 35
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Documents

Robinhood Customer Agreement

Medium

This agreement sets out the rules for using Robinhood's investing, cryptocurrency, and spending account services. You make your own trading decisions — Robinhood Financial does not give investment advice or …

Terms of service
0 provisions 50 versions captured Version history →

Robinhood Privacy Policy

Medium

Robinhood's privacy policy describes what personal information Robinhood collects about you—including your Social Security number, photos, facial geometry, location, and chatbot conversations—and how it uses, shares, and keeps that information. …

Dated August 18, 2026 · Privacy policy
8 provisions 20 versions captured 1 significant change Version history →

Robinhood Margin Account Rules

High

This is Robinhood's Margin Account Agreement, which governs the terms under which customers can borrow funds and trade on margin through Robinhood Financial and Robinhood Securities. The agreement grants Robinhood …

Terms of service
6 provisions 2 versions captured Version history →

Robinhood Customer Agreement (PDF)

High

This is the Robinhood Financial LLC and Robinhood Securities, LLC Customer Agreement, governing brokerage account opening, securities trading, margin lending, AI agent use, fractional share investing, dividend reinvestment, and related …

Terms of service
2 provisions 5 versions captured Version history →

Recent Changes

March 13, 2026 · Robinhood Privacy Policy Medium

Reissued 2026-10-07: this change was first recorded in reverse as CA-X-001127, which was withdrawn; this record describes it in the order it happened. Robinhood restructured its privacy policy, effective March …

View change record →
📈 Policy Drift Analysis View all changes →

Selected provisions (6 of 35)

Compare Robinhood with other platforms →

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Companies change their terms without announcing it. We capture governance documents, compare each new version with the last, and publish what changed, with the source text behind it. One email a week on what we found and what we could not reach.

Related Analysis

Consumer Rights · April 21, 2026
Robinhood's Agreement Authorizes Position Liquidation Without Prior Notice

Buried in Robinhood's customer agreement is broad authority to close your positions, suspend your account, and force arbitration. Here is w…

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Frequently Asked Questions

What Robinhood documents does ConductAtlas track?

ConductAtlas tracks 4 Robinhood documents including terms of service, privacy policy, and other governance documents. Every document is captured daily with cryptographic verification.

How many policy changes has Robinhood made in the past year?

Robinhood has made 2 policy changes in the past 12 months across the documents ConductAtlas tracks.

How many provisions has ConductAtlas classified for Robinhood?

ConductAtlas has classified 35 provisions across Robinhood's tracked documents.

Can I get alerts when Robinhood changes their policies?

Yes. Monitor subscribers ($4.99/month) can add Robinhood to their watchlist and receive an email alert after the daily check that finds a change to a tracked document. We check daily where we can, and show you where we can't.