What can I do about this clause?

{'method': 'IN_APP', 'recipient': 'Webull app account settings', 'difficulty': 'MODERATE', 'action_type': 'CLOSE_ACCOUNT', 'instructions': 'If you receive notice of a material terms change and do not agree, you must stop using Webull and close your account before the changes take effect. Navigate to account settings in the Webull app to initiate account closure.', 'deadline_days': 30, 'deadline_hours': None}

Which regulatory agencies enforce this type of clause?

{'agency': 'FTC', 'reason': 'The FTC has authority under Section 5 of the FTC Act to pursue enforcement actions where unilateral amendment clauses constitute unfair or deceptive trade practices.', 'complaint_url': 'https://reportfraud.ftc.gov/'}, {'agency': 'CFPB', 'reason': 'The CFPB has examination and enforcement authority over consumer financial account terms and the adequacy of notice provided for material changes to those terms.', 'complaint_url': 'https://www.consumerfinance.gov/complaint/'}

What is the severity of this clause?

ConductAtlas classifies this Unilateral Terms Amendment clause as high severity. Severity reflects the magnitude of rights affected, the breadth of users impacted, and the degree of discretion the platform retains.

Do other platforms have similar clauses?

Yes. ConductAtlas has identified similar Unilateral Terms Amendment clauses across approximately 3 other tracked platforms. You can compare how platforms differ on this clause type in the cross-platform comparison view.

Unilateral Terms Amendment — Webull

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What it is

Webull can change these Terms at any time, and if you keep using the app after the changes go live, you're automatically agreeing to the new terms — even if you didn't read them.

Consumer impact (what this means for users)

Webull can unilaterally change any term — including fees, arbitration terms, or data rights — and your continued use of the trading platform constitutes acceptance, meaning critical financial terms of your account relationship can change without you actively agreeing.

What you can do

⚠️ These actions may provide transparency or partial mitigation but may not fully address the underlying issue. Effectiveness varies by jurisdiction and individual circumstances.

Close Your Account
Within 30 days
If you receive notice of a material terms change and do not agree, you must stop using Webull and close your account before the changes take effect. Navigate to account settings in the Webull app to initiate account closure.

Cross-platform context

See how other platforms handle Unilateral Terms Amendment and similar clauses.

Compare across platforms →

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Why it matters (compliance & risk perspective)

This clause means Webull could add fees, restrict services, or change your legal rights at any time, and your continued use of the platform counts as acceptance even without your explicit agreement.

View original clause language

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

Institutional analysis (Compliance & legal intelligence)

REGULATORY FRAMEWORK: Unilateral amendment clauses in consumer financial contracts are subject to FTC Act Section 5 (unfair or deceptive acts or practices), CFPB examination authority under the Consumer Financial Protection Act (12 U.S.C. §5531), and state UDAP statutes. The Electronic Signatures in Global and National Commerce Act (E-SIGN Act, 15 U.S.C. §7001) governs electronic notice requirements. FINRA Rule 2010 (standards of commercial honor) may be implicated where amendments materially affect investor rights without adequate notice.

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Applicable agencies

FTC

The FTC has authority under Section 5 of the FTC Act to pursue enforcement actions where unilateral amendment clauses constitute unfair or deceptive trade practices.
File a complaint →
CFPB

The CFPB has examination and enforcement authority over consumer financial account terms and the adequacy of notice provided for material changes to those terms.
File a complaint →

Provision details

Document information

Document

Webull Customer Agreement

Entity

Webull

Document last updated

April 29, 2026

Tracking information

First tracked

April 28, 2026

Last verified

April 28, 2026

Record ID

CA-P-003954

Document ID

CA-D-00056

Evidence Provenance

Source URL

https://www.webull.com/protocol/webull_terms_of_service

Wayback Machine

View archived versions →

SHA-256

0b5f116326f613645ce3d60c1e3292ef9ad50bb9fff59bdc3b80a866c73612e2

Verified

✓ Snapshot stored ✓ Change verified

How to Cite

ConductAtlas Policy Archive
Entity: Webull | Document: Webull Customer Agreement | Record: CA-P-003954
Captured: 2026-04-28 09:29:19 UTC | SHA-256: 0b5f116326f61364…
URL: https://conductatlas.com/platform/webull/webull-customer-agreement/unilateral-terms-amendment/
Accessed: May 2, 2026

Classification

Severity

High

Unilateral Terms Amendment