Instructions submitted by an external AI agent from an authenticated session are final and binding upon receipt by Robinhood, with Robinhood bearing no obligation to cancel or reverse orders resulting from AI agent errors, malfunctions, fabricated outputs, or unintended behavior.
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
This provision allocates full financial responsibility for AI agent-generated orders to the customer, including orders resulting from agent malfunctions or unintended outputs, and establishes that Robinhood has no obligation to unwind or cancel such instructions once received.
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.
View change record →Under this clause, the agreement requires customers to bear full financial responsibility for all trades placed by an AI agent operating under their authenticated session, including trades resulting from errors or unintended agent behavior. The terms state that Robinhood has no obligation to cancel, reverse, or unwind any such instruction once received.
Cross-platform context
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Compare across platforms →"any instruction submitted to Robinhood from an authenticated session of your AI agent shall be final and binding upon you upon receipt by Robinhood, and Robinhood shall have no liability for any Losses arising out of or relating to any such error, malfunction, or unintended behavior of your AI agent. You acknowledge that AI agents may misinterpret your prompts, generate erroneous, fabricated, or unintended outputs, experience latency, disconnection, or other malfunction, and otherwise behave in ways you did not intend or anticipate.Excerpt from Robinhood's Customer Agreement (PDF)
REGULATORY LANDSCAPE: This provision engages SEC and FINRA oversight of automated order entry systems, including applicable FINRA rules governing the supervision of algorithmic trading strategies and best execution obligations.
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This provision allocates full financial responsibility for AI agent-generated orders to the customer, including orders resulting from agent malfunctions or unintended outputs, and establishes that Robinhood has no obligation to unwind or cancel such instructions once received.
Under this clause, the agreement requires customers to bear full financial responsibility for all trades placed by an AI agent operating under their authenticated session, including trades resulting from errors or unintended agent behavior. The terms state that Robinhood has no obligation to cancel, reverse, or unwind any such instruction once received.
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