Get the weekly research letter
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. No account.
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
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.
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 →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 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...
we do not warrant that Offering descriptions are accurate, complete, reliable, current, or error-free.
Please note that these third parties are responsible for their own privacy practices.
Monitoring
Robinhood has changed this document before.
Receive same-day alerts, structured change summaries, and monitoring for up to 20 platforms.
Provision-level monitoring, governance timelines, and regulatory mapping built from archived source documents and historical version tracking.
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.
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.
ConductAtlas has identified this type of provision across 292 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Robinhood.