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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

Updated March 11, 2019

Acorns Advisers, LLC (“Acorns Advisers”) is an investment adviser registered with the U.S. Securities and Exchange Commission (“SEC”). Brokerage and custody services are provided to clients of Acorns Advisers by Acorns Securities, LLC (Acorns Securities), a broker-dealer registered with the SEC and a member of the Financial Industry Regulatory Authority, Inc. (“FINRA”) and Securities Investor Protection Corporation (“SIPC”). Acorns Pay, LLC (“Acorns Pay”) manages Acorns’s demand deposit and other banking products in partnership with Lincoln Savings Bank, a bank chartered under the laws of Iowa and member FDIC. Acorns Advisers, Acorns Securities, and Acorns Pay are subsidiaries of Acorns Grow Incorporated (collectively “Acorns”) and Acorns is solely responsible for its content.

Acorns Content:

Acorns publishes content through pages, profiles, accounts, feeds, channels, and other various social media platforms, including, but not limited to, Instagram, Facebook, Twitter, Snapchat, YouTube, Pinterest, and Reddit (herein “Acorns Content”), for educational, promotional, and other business reasons (collectively “Acorns Social Space”).

Acorns Content is not intended for distribution to, or use by, any person or entity in any jurisdiction where such distribution or use would be contrary to law or regulation or which would subject Acorns or any of Acorns’s products or services to any authorization, registration, licensing, or notification requirement within any jurisdiction outside of those jurisdictions in which the underlying financial institutions are licensed to operate.

Acorns is only available to U.S. legal residents or citizens that currently reside in the United States. Exceptions are made for active Armed Services personnel that maintain U.S. addresses and are temporarily overseas. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on Acorns Content.

Contributions made to Acorns Content should be relevant and topical. Please do not publish your own advertisements of any kind on Acorns Social Space. Refrain from publishing, including hyperlinks, inappropriate or offensive materials on any Acorns Social Space. Please do not send any personal, confidential, or account information through Acorns Social Space. Acorns is not subject to obligation of confidentiality for information submitted to Acorns through any social media platforms. Additionally, do not attempt to promote investments (including posting testimonials, giving investment advice, or making recommendations about specific securities, securities strategies, products, or services) on Acorns Social Space.

Third-party content:

Acorns may monitor third-party content published on Acorns Social Space but such content is not reviewed before it is displayed. Third-party content on any Acorns Social Space is the view and responsibility of the third-party, not Acorns. Acorns cannot guarantee the appropriateness, accuracy or usefulness of any third-party content or any third-party hyperlink. Acorns is not responsible for any unauthorized or copyrighted materials contributed by a third-party on Acorns Social Space. Acorns reserves the right to remove, alter, edit or adapt any third-party content on Acorns Social Space. Any descriptions of, references to, or links to other products, publications or services do not constitute an endorsement, authorization, sponsorship by, or affiliation with Acorns with respect to any hyper-linked site or its sponsor, unless expressly stated by Acorns. Acorns expressly disclaims any responsibility for the content, the accuracy of the information, or quality of products or services provided by or advertised on the third-party sites, as posted by third-parties on any Acorns Social Space.

Privacy Policy

Acorns is not responsible for the privacy policies of any social media platform on which Acorns Content may appear, including in any Acorns Social Space.

No Offer or Solicitation:

The contents of the website are provided for information purposes and do not constitute an offer to sell or a solicitation to buy securities. The information provided herein is not directed to any investor or category of investors and is provided solely as general information about our products and services and to otherwise provide general investment education. No information contained herein should be regarded as a suggestion to engage in or refrain from any investment-related course of action as Acorns is not providing investment advice or giving advice in a fiduciary capacity. Acorns is not engaged in rendering any tax, legal, or accounting advice. Please consult with a qualified professional for this type of advice. References to specific securities and their issuers or other investments are not intended and should not be interpreted as recommendations to purchase, sell or hold such securities or other investments.

No liability

In no event shall Acorns, its respective affiliates, directors, officers, registered representatives, or employees, be liable for any damages of any kind (including, without limitation, special, incidental, indirect, or consequential damages) on any theory of liability arising out of or in connection with your access, use, or inability to access or use, a social media platform. Use of a social media platform or any Acorns’s social media platform is at your own risk.

For additional important disclosures, please click here: Important Disclosures.

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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/