Provision record
Robinhood · Robinhood Customer Agreement (PDF) · View original document ↗

SIPC Coverage Limitation Disclosure

Medium severity Common · 292 of 352 platforms
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Recent governance activity Robinhood recorded 18 documented changes in the last 30 days.
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This analysis describes what Robinhood'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

ConductAtlas Analysis

Why it matters (compliance & governance perspective)

The disclosure establishes the extent to which customer assets are protected against broker insolvency under federal SIPC requirements. This clarifies the regulatory framework governing account protection and informs customers of coverage boundaries that apply to their holdings.

Recent Activity

This document changed recently

Medium Jul 12, 2026

The updated terms establish new fiduciary verification and personal liability provisions for trust and custodial accounts. Trustees are now required to complete Robinhood's identity verification and onboarding before accessing trust accounts, notify Robinhood promptly of any material changes to the trust (amendments, revocation, trustee changes), and provide the correct taxpayer identification number for the trust. The revised language states that trustees are personally liable for obligations, debts, or negative equity arising from instructions given outside the scope of their authority under the trust instrument or applicable law. Robinhood reserves the right to freeze trust accounts or request updated documentation at any time, and will rely on instructions from any onboarded trustee without requiring consent from co-trustees or verifying compliance with the trust instrument. You should consult a tax advisor regarding the appropriate taxpayer identification number for your trust and review your fiduciary authority under the applicable trust instrument before executing trades.

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Clause Stability Stable

0
Changes
4
Months Monitored
Apr 3, 2026
First Seen
Apr 3, 2026
Last Seen
This clause type exists across 4461 other provisions on other platforms.

Consumer impact (what this means for users)

The provision informs users of the specific dollar amounts and asset types covered by SIPC protection, establishing that certain account balances and securities receive protection up to defined limits while other assets or excess amounts may fall outside SIPC coverage. Users operate under the understanding that protection is not unlimited and varies by account type and asset category.

How other platforms handle this

Tinder Medium

TINDER ASSUMES NO RESPONSIBILITY FOR ANY CONTENT THAT YOU OR ANOTHER USER OR THIRD PARTY POSTS, SENDS, RECEIVES, AND/OR ACTS ON THROUGH OUR SERVICES, NOR DOES TINDER ASSUME ANY RESPONSIBILITY FOR THE IDENTITY, INTENTIONS...

Perplexity AI Medium

we do not warrant that Offering descriptions are accurate, complete, reliable, current, or error-free.

Skillshare Medium

Please note that these third parties are responsible for their own privacy practices.

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Monitoring

Robinhood has changed this document before.

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Applicable regulations

FTC Act Section 5
United States Federal

Provision details

Document information
Document
Robinhood Customer Agreement (PDF)
Entity
Robinhood
Document last updated
May 5, 2026
Tracking information
First tracked
March 6, 2026
Last verified
May 12, 2026
Record ID
CA-P-000436
Document ID
CA-D-00050
Evidence Provenance
Source URL
Wayback Machine
Content hash (SHA-256)
42fdece1ce06bb1213691f7474d4463025e28fcf4db4d7ada943d32d7009952a
Analysis generated
March 6, 2026 20:25 UTC
Methodology
Evidence
✓ Snapshot stored   ✓ Hash verified
Citation Record
Entity: Robinhood
Document: Robinhood Customer Agreement (PDF)
Record ID: CA-P-000436
Captured: 2026-03-06 20:25:05 UTC
SHA-256: 42fdece1ce06bb12…
URL: https://conductatlas.com/platform/robinhood/robinhood-customer-agreement-pdf/provision/CA-P-000436/sipc-coverage-limitation-disclosure/
Accessed: July 25, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
Medium
Categories

Other risks in this policy

Governance intelligence across arbitration, AI governance, data rights, indemnification, and retention

Provision-level monitoring, governance timelines, and regulatory mapping built from archived source documents and historical version tracking.

Frequently Asked Questions

What does Robinhood's SIPC Coverage Limitation Disclosure clause do?

The disclosure establishes the extent to which customer assets are protected against broker insolvency under federal SIPC requirements. This clarifies the regulatory framework governing account protection and informs customers of coverage boundaries that apply to their holdings.

How does this clause affect you?

The provision informs users of the specific dollar amounts and asset types covered by SIPC protection, establishing that certain account balances and securities receive protection up to defined limits while other assets or excess amounts may fall outside SIPC coverage. Users operate under the understanding that protection is not unlimited and varies by account type and asset category.

How many platforms have this type of clause?

ConductAtlas has identified this type of provision across 292 platforms. See the full comparison.

Is ConductAtlas affiliated with Robinhood?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Robinhood.