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The Fine Print of Acorns

  • Terms of Use
  • Wrap Fee Brochure
  • Accessibility Statement
  • Path to $1,000,000
  • Gift Card Terms
  • Referral Promotion Terms
  • Program Agreement
  • Privacy Policy
  • Important Disclosures
  • Acorns on Social Media
  • Referral Agreement
  • Business Continuity Plan
  • Contests and Promotions
  • Protect Legal and State Licenses
  • Form CRS

Gift cards (including electronic gift codes) are one-time use cards and are only redeemable in connection with Acorns various investment advisory services (collectively, the “Services”). Activated cards can only be redeemed if you are: age 18 or older; a lawful resident of the United States and located in the United States; and approved for an Acorns account and accept the account terms and program agreement. To redeem a gift card, go to www.acorns.com/redeem and enter the card’s PIN number.

Gift cards are assigned a fixed monetary value (for example, $10 or $25). The entire value of the gift card will be applied to your Acorns account upon redemption. No incremental redemptions are allowed. You must add a funding source to your Acorns account in order to withdraw funds. No transaction fees apply to the redemption of your gift card and your gift card funds do not expire. Acorns accounts are subject to a monthly wrap fee, which may vary depending on the total assets kept in your Acorns account. For a detailed description of the Acorns wrap fee, go to www.acorns.com/program-agreement.

Use of a gift card constitutes acceptance of these terms and conditions. Until you are approved for an Acorns account, you will not be a customer of Acorns and Acorns will not collect or retain any information regarding you or any gift card you own. Only certain gift cards may be returned to the original retailer with valid proof of purchase. In addition, certain gift cards may only be redeemed by new customers of Acorns. Please refer to the terms and conditions that accompany your card for policy on returns and redemptions by existing Acorns customers. Gift cards cannot be used to purchase other goods or services other than the Services, cannot be used to purchase other gift cards, and cannot be reloaded, resold, or transferred for value. For combinations with other offers, additional restrictions may apply. Acorns reserves the right to reject or void this gift card if Acorns suspects the gift card was obtained or used fraudulently, unlawfully, or otherwise in violation of these terms. 

Gift cards may not be used in connection with any marketing, advertising or other promotional activities without Acorns’s prior written approval. Use of Acorns’s name, logo, trade dress, or trademarks in connection with the purchase or use of the gift cards is strictly prohibited. Furthermore, the use of gift cards in any manner that states or implies that any person, website, business, product, or service is endorsed or sponsored by, or otherwise affiliated with, Acorns is prohibited without Acorns’s prior written approval.

Title to the gift cards and the risk of loss, destruction, or deterioration pass to the purchaser upon purchase. The card issuer or Acorns are not responsible for any gift cards that are lost, stolen, destroyed, or used without your permission. IN THE EVENT A GIFT CARD IS NON-FUNCTIONAL, YOUR SOLE REMEDY, AND THE CARD ISSUER AND ACORNS’S SOLE POTENTIAL LIABILITY, WILL BE THE REPLACEMENT OF SUCH GIFT CARD.

Acorns terms and conditions apply, including the Acorns Privacy Policy. Gift cards are issued by Acorns Gift, LLC, a Delaware limited liability company. When you purchase, receive or redeem a gift card, you agree that the laws of Delaware, without regard to principles of conflict of laws, will govern these gift card terms.

Acorns may modify any of the terms and conditions governing use of the gift cards and Acorns Terms of Use at any time, with or without notice, even though these changes may affect your ability to use the gift card, subject to our compliance with applicable laws. The most current version of these terms will be available on this site and will supersede all previous versions of these terms.

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© 2020 Acorns | Disclosures | Accessibility

This website is operated by Acorns Advisers, LLC, an SEC Registered Investment Advisor.  Brokerage services are provided to clients of Acorns Advisers by Acorns Securities, LLC, an SEC registered broker-dealer and member FINRA.  Member of SIPC. Securities in your account protected up to $500,000. For details, please see https://www.sipc.org.

Important Disclosures:  Investing involves risk, including loss of principal.  Past performance does not guarantee or indicate future results.  Please consider, among other important factors, your investment objectives, risk tolerance and Acorns pricing before investing.  Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal.  It is not possible to invest directly in an index.  Any hypothetical performance shown is for illustrative purposes only. Such results do not represent actual results and do not take into consideration economic or market factors which can impact performance. Actual clients may achieve investment results materially different from the results portrayed. Round Up investments are transferred from your linked funding source (checking account) to your Acorns Invest account, where the funds are invested into a portfolio of selected ETFs. Only purchases made with a funding source linked to your Acorns account with the feature active are eligible for Round Up investments. Please note that a properly suggested portfolio recommendation is dependent upon current and accurate financial and risk profiles. Clients who have experienced changes to their goals, financial circumstances or investment objectives, or who wish to modify their portfolio recommendation, should promptly update their information in the Acorns app or through the website. Actual Found Money rewards investments are made by Acorns Grow, Inc. into your Acorns Invest account through a partnership Acorns Grow maintains with each Found Money partner.  Acorns Subscription Fees are assessed based on the tier of services in which you are enrolled.  Acorns does not charge transactional fees, commissions or fees based on assets for accounts under $1 million. Acorns Spend clients are not charged overdraft fees, maintenance fees, or ATM fees for cash withdrawals from ATMs within the Allpoint Network.  Please see your Acorns Subscription Center or Account Statements for a description of the fees you pay to Acorns for its services.  Third Party Quotes shown may not be representative of the experience of Acorns customers and do not represent a guarantee of future performance or success.  Please click on each testimonial to review the context from which this quote was taken. Acorns reserves the right to restrict or revoke any and all offers at any time.

Investors should consider the investment objectives, risks, charges and expenses of the funds carefully before investing.  This and other information are contained in the Fund’s prospectus.  Please read the prospectus carefully before you invest.

Acorns also offers an Acorns Spend deposit account. Acorns Spend accounts are FDIC insured up to $250,000. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC for Acorns Spend account holders.  "Save and Invest" claim refers to a client's ability to utilize the Acorns Spend Instant Round-up feature to set aside small amounts of money from purchases made using an Acorns Spend account, and seamlessly investing those small amounts using an Acorns Investment account.  Requires both an active Acorns Spend account and an Acorns Investment account in good standing.  Instant Round-ups are accrued instantly for investment during the next trading window.

For additional important risks, disclosures and information, please visit https://www.acorns.com/terms/