Acorns Grow, Inc. (“Acorns”) Earn promotion with Partner (the “Promotion”) is subject to the terms and conditions set forth herein. PARTICIPATION IN THIS PROMOTION REMAINS AT ALL TIMES SUBJECT TO THE TERMS AND CONDITIONS OF THE PROGRAM AGREEMENT, INCLUDING WITHOUT LIMITATION THE ARBITRATION CLAUSE AND CLASS ACTION WAIVER SET FORTH THEREIN.

1. Definitions. When the following capitalized terms are used above or below in these Terms & Conditions, the following definitions apply:
 
Good Standing means an account with a verified linked funding source for which all required account opening documentation has been completed, and an account status that is not locked, suspended, or otherwise restricted in any way, in Acorns’ sole discretion. 
 
Program Agreement means the Program Agreement, including all Supplements thereto.

All terms used but not otherwise defined herein have the same meaning as in the Program Agreement.
 
2. Partner: Sam's Club

3. Eligible Transaction. Each purchase which (i) is made by an Acorns User with an Acorns Invest Account in Good Standing; (ii) is from the Partner; (iii) is initiated by clicking the Partner link in the Acorns Application or on the Acorns Website; (iv) is completed directly from the link clicked; and (v) does not charge back or otherwise return, is eligible for a Contribution.

4. Limitations: Use with other promotions, discounts, gift cards, and/or coupons will disqualify you from receiving an Acorns Earn reward for this partner. If you visit other sites before completing your purchase or activate other cash back/reward sites or browser extensions, your purchase might be associated with a service other than Acorns and you may be ineligible for an Acorns Earn reward on your purchase. Use of ad-blocking or cookie-blocking software or device settings can prevent Acorns from recognizing your purchase(s) and as a result can make you ineligible for Acorns Earn. Offer not eligible on orders placed using coupons, promo codes, or discounts - purchase of gift cards, e-gift cards - orders made on Walmart.com - If an order is cancelled, returned, exchanged, or on renewals (Membership Types).

Contributions:

Delivery Orders: 1.68%

Pick Up Orders: 1.68%

Other Commissionable: 0.84% 

List of Exclusions: Food & Groceries, Scan & Go, Disney+ Gift Cards, Sealy Temper Mattresses, Health Aids, Beauty Aids, Membership Renewals, Wine, Cough, Cold, Flu, Liquor, Gas Stations, Cigarettes, Cigars, Beer, Doctor Fees .

5. Promotion Period:  You must successfully complete the eligible transaction between 9AM (Pacific Time) on November 12, 2025 and 11:59PM (Pacific Time) on November 30, 2025. Acorns may, from time to time at its sole discretion, end, extend, shorten, or otherwise modify such time period by posting changes at its website or within the Acorns app.

6. Limitations. Offer not eligible on the purchase or redemption of gift cards. Valid on domestic U.S. orders only. Not eligible on purchases made for the purpose of resale. Eligibility to participate in certain promotions may require (i) the allowance of cookies on the applicable mobile or desktop device; (ii) the disabling of any ad blocking or private browsing in a User’s browser settings; and/or (iii) other device settings as determined by Acorns in its sole discretion from time to time.

7. Other Forfeiture. To be eligible to participate in this Promotion, an Acorns User Account, including all open product accounts, must at all times relevant to the Promotion remain in open and Good Standing in Acorns’ sole discretion. Acorns is not responsible for any failure to maintain an Acorns User Account in Good Standing or otherwise meet standards for qualifying for this Promotion. In the event an Acorns Users’ Invest Account is closed at any time, all pending Reward Shares that have not yet been invested shall be forfeited. In the event Acorns determines at any time and in its sole discretion that there has or may have been unauthorized or fraudulent activity related to any account; a violation of the Program Agreement or these terms and conditions; that an account is otherwise not in Good Standing, whether or not in connection with this Promotion; or that a transaction otherwise lacks a legitimate purpose in any way, Acorns reserves the right to (i) delay or decline to grant any Reward Share(s) or portion thereof; and/or (ii) rescind, void, or liquidate any Reward Share(s) or portion thereof already provided and any security or related dollar proceeds derived from such Reward Share(s).

8. Notification and Posting. An Acorns User will typically be notified by email and/or in App within 3-7 business days of successfully completing an Eligible Transaction, provided that notification is for convenience only and Acorns will not be liable in the event any such notice is not timely sent or received. A Contribution to the User’s Acorns Invest Account will typically be posted within 120 days of an Eligible Transaction, provided that this timeline may be delayed for any reason in Acorns and/or the Partners’ sole discretion and neither Acorns nor the Partner will be liable in connection with such delay. Acorns further reserves the right to alter this payout time frame in the future.

9. No Representations or Warranties. Acorns is not a party to, and makes no warranties regarding, any purchase from or transaction with the Partner, and as such shall not be liable in connection with any dispute, faulty or defective merchandise or other issues that may arise in connection with any such purchase or transaction.  

10. Dispute Resolution. In the event an Acorns User believes they are entitled to Reward Share(s) for an Eligible Transaction and have not received a notification that the transaction was successfully completed, the User must notify Acorns within 60 days from the applicable transaction date by either sending an email to support@acorns.com or completing and submitting a support request at https://www.acorns.com/support/contact.  Acorns will, upon timely receipt of any such notice, investigate such support request, and Acorns’ decision in respect of such matter shall be final and binding.

11. Tax Treatment. Acorns processes and treats all Reward Share(s) as awards for tax reporting purposes. NONE OF ACORNS AND/OR ANY OF ITS AFFILIATED ENTITIES PROVIDES TAX ADVICE, AND NOTHING CONTAINED HEREIN PURPORTS TO BE A COMPLETE PRESENTATION OF TAX REGULATIONS THAT MAY BE APPLICABLE TO MATCH AMOUNTS OR ANY EARLY ACCOUNT. PLEASE CONSULT A TAX ADVISOR FOR INDIVIDUALIZED ADVICE. 

12. Miscellaneous. Reward Shares are treated as “Reward Shares” for purposes of the Program Agreement. To the limited extent these express terms and conditions directly conflict with the Program Agreement, these terms shall control. Acorns reserves the right to change these terms and conditions; to terminate this Promotion or any portion thereof at any time with or without notice; and/or to modify these terms by posting the same to the Acorns Website, provided that any alteration of terms, or termination of an Earn Promotion will not impact Contributions from Eligible Transactions made before the date of the alteration of terms or the termination of the applicable Promotion. Headings in these terms and conditions are descriptive and for convenience only, and do not alter the scope of the rights and obligations created by them. Acorns Earn is not transferable, saleable, or valid in conjunction with certain other offers, and is available only to (i) lawful U.S. residents; or (ii) active Armed Services personnel that maintain a valid U.S. address and are temporarily overseas in connection with their service.

13. Disclosures. Acorns Earn provides subscribers access to shop with our partners and earn bonus investments into your Acorns Invest portfolios when purchasing items from the partner brands. Acorns Earn rewards investments are made by Acorns Grow, Incorporated into your Acorns Invest account through a partnership Acorns Grow maintains with each Acorns Earn partner. Acorns may receive compensation from business partners in connection with certain promotions in which Acorns refers clients to such partners for the purchase of non-investment consumer products or services. This type of marketing partnership gives Acorns an incentive to refer clients to business partners instead of to businesses that are not partners of Acorns. This conflict of interest affects the ability of Acorns to provide clients with unbiased, objective promotions concerning the products and services of its business partners. This could mean that the products and/or services of other businesses, that do not compensate Acorns, may be more appropriate for a client than the products and/or services of Acorns business partners. Subscribers are, however, not required to purchase the products and services Acorns promotes. This Promotion is a limited time offer. Acorns may receive compensation from business partners in connection with this Promotion, which gives Acorns an incentive to refer clients to business partners instead of to businesses that are not partners of Acorns. This conflict of interest affects the ability of Acorns to provide clients with unbiased, objective promotions concerning the products and services of its business partners. This could mean that the products and/or services of other businesses, that do not compensate Acorns, may be more appropriate for a client than the products and/or services of Acorns business partners. Subscribers are not required to purchase the products and services Acorns promotes. Acorns reserves the right to restrict or revoke any and all offers at any time. Advisory services are offered by Acorns Advisers, LLC, an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns Advisers, LLC by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC. Reward Shares are made in the form of an investment purchase in your Acorns Invest Account. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. Investing involves risk including the loss of principal. Investments are not FDIC insured. Please consider your objectives, risk tolerance, and the Acorns Parties’ fees before investing. Past performance is not a guarantee of future results. “Acorns”, the Acorns logo, “Invest the Change” and “Found Money” are registered trademarks of Acorns Grow Incorporated. Copyright © 2025 Acorns and/or its affiliates.