Wealthfront can update these terms at any time just by posting a new version, and continued use of the service means you accept the new terms.
This analysis describes what Wealthfront'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
Wealthfront can change the terms governing your investment account relationship by posting an update online, and continuing to use the service constitutes acceptance without any affirmative consent step required.
Under this clause, material changes to user rights and obligations can take effect through online posting alone, with no requirement for affirmative consent or direct notification to users; the only consumer protection is that changes cannot be made retroactive.
How other platforms handle this
We may change these Terms at any time, and we'll tell you when we do. Using the Services after the changes take effect means you agree to the new terms. If you don't agree to the new terms, you must stop using the Services, cancel any subscriptions through our order page, and delete your account.
Target reserves the right to change these Terms at any time. We will post notification of changes to these Terms on this page. Your continued use of the Target Services after any changes to these Terms constitutes your acceptance of the new Terms.
We reserve the right, at our sole discretion, to amend these Terms of Service at any time and will update these Terms of Service in the event of any such amendments. We will notify our Users of material changes to this Agreement, such as price changes, at least 30 days prior to the change taking eff...
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"We reserve the right to change this Agreement by posting a revised Terms of Use and we agree that changes cannot be retroactive. If you don't agree with these changes, you must stop using Wealthfront.— Excerpt from Wealthfront's Wealthfront Terms of Service
REGULATORY LANDSCAPE: Unilateral modification clauses in consumer financial services agreements engage FTC guidance on unfair or deceptive practices, particularly where material changes to terms affecting consumer rights are made without adequate notice. California consumer protection law and the CFPB's unfairness and deception framework may impose additional requirements on the adequacy of notice for material term changes. For investment advisory clients, material changes to the advisory relationship terms may also engage Investment Advisers Act disclosure obligations. GOVERNANCE EXPOSURE: Medium. Unilateral modification by posting is a standard practice in website terms, and the document's carve-out that changes cannot be retroactive provides a meaningful protection. However, the absence of a requirement for affirmative notice (such as email notification of material changes) may create exposure under consumer protection frameworks that require meaningful notice of material modifications. The document does provide for email communications (Section 11.3), but does not expressly commit to email notice of term changes. JURISDICTION FLAGS: California courts have scrutinized unilateral modification clauses in consumer contracts, particularly where changes affect substantive rights. Courts in some jurisdictions have required that modification clauses be supported by adequate notice and a meaningful opportunity to reject changes. The investment advisory context may impose heightened standards. CONTRACT AND VENDOR IMPLICATIONS: The assignment clause in Section 9 confirms that Wealthfront may assign the agreement without user consent, while users may not assign without prior written consent. Combined with the unilateral modification right, this creates a framework where the company can alter both the terms and the counterparty without user approval. COMPLIANCE CONSIDERATIONS: Compliance teams should assess whether the posting-only modification mechanism satisfies applicable notice requirements for material changes under consumer protection and investment advisory regulations. A review of current change notification practices (whether email notifications of updates are sent in practice) may be warranted to evaluate alignment between contractual terms and operational practice.
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Wealthfront can change the terms governing your investment account relationship by posting an update online, and continuing to use the service constitutes acceptance without any affirmative consent step required.
Under this clause, material changes to user rights and obligations can take effect through online posting alone, with no requirement for affirmative consent or direct notification to users; the only consumer protection is that changes cannot be made retroactive.
ConductAtlas has identified this type of provision across 6 platforms. See the full comparison.
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