Robinhood can change the terms of this agreement at any time by posting updates online or emailing you, and if you keep using your account after changes are made, you are considered to have agreed to the new terms.
Consumers are bound by whatever new terms Robinhood posts online or sends by email, even if they do not read the notification or are not aware of the change, as long as they continue using the service. This gives Robinhood nearly unlimited ability to add new fees, restrictions, or obligations going forward.
Cross-platform context
See how other platforms handle Customer Agreement Modification and similar clauses.
Compare across platforms →Robinhood can unilaterally change the rules governing your account — including fees, trading restrictions, and data use — without your explicit consent, and simply continuing to use the app counts as agreement to whatever new terms they post.
REGULATORY FRAMEWORK: Unilateral modification clauses in financial services contracts are reviewed under FTC Act Section 5 (15 U.S.C. §45) for unfair or deceptive acts, and under Reg BI's disclosure obligation which requires material changes to be communicated clearly to retail customers. CFPB examination guidance (2023 Supervisory Highlights) identifies surprise term changes in consumer financial accounts as a focus area. FINRA Rule 4311 (Carrying Agreements) and FINRA Rule 2010 impose obligations on broker-dealers to deal fairly with customers, which may constrain the scope of unilateral modifications in practice.
Compliance intelligence locked
Regulatory citations, enforcement risk, and due diligence action items.
Watcher: regulatory citations. Professional: full compliance memo.