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<!DOCTYPE html><html lang="en-us"><head><title>Security | Acorns</title><meta property="og:type" content="website" /><meta property="og:title" content="Security" /><meta name="twitter:title" content="Security"><meta property="og:description" content="" /><meta property="twitter:description" content="" /><meta property="og:url" content="https://www.acorns.com/security/" /><meta name="twitter:card" content="summary_large_image"><meta property="og:image" content="https://sqy7rm.media.zesty.site/Security-2024.png?width=1200&height=630&fit=crop" /><meta property="og:image:url" content="https://sqy7rm.media.zesty.site/Security-2024.png?width=1200&height=630&fit=crop" /><meta property="og:image:width" content="1200" /><meta property="og:image:height" content="630" /><meta property="twitter:image:src" content="https://sqy7rm.media.zesty.site/Security-2024.png?width=1200&height=630&fit=crop" /><meta property="twitter:image:width" content="1200" /><meta property="twitter:image:height" content="630" /><meta property="og:site_name" content="Acorns" /><meta http-equiv="Content-Type" content="text/html;charset=utf-8"><meta name="viewport" content="width=device-width, initial-scale=1.0"><meta name="apple-itunes-app" content="app-id=883324671"><meta name="google-site-verification" content="zz28cwlpNcO2KtqaUTVAV7JAqbInQ_j31p-xl04pBbo"><meta name="google-site-verification" content="HEhKySN8QOgvY_TgjTyHpYW6rbfTFwmLfWJvc-J5GCA"><meta http-equiv="Content-Security-Policy" content="default-src https: wss: 'unsafe-inline' 'unsafe-eval' data:;"><meta name="version" content="CV"><meta http-equiv="strict-transport-security" content="max-age=31536000; includeSubDomains; preload"><meta http-equiv="x-content-type-options" content="nosniff"><meta http-equiv="referrer-policy" content="no-referrer"><meta http-equiv="referrer-policy" content="strict-origin-when-cross-origin"><meta name="feature-policy" content="midi 'none';sync-xhr 'none';microphone 'none';camera 'none';magnetometer 'none';gyroscope 'none';speaker 'self';vibrate 'none';fullscreen 'self';" /> <meta name="apple-mobile-web-app-status-bar-style" content="black" /> <meta content="IE=edge" http-equiv="X-UA-Compatible" /> <meta name="viewport" content="width=device-width, height=device-height, initial-scale=1.0, minimum-scale=1.0, maximum-scale=1.0" /> <meta name="apple-mobile-web-app-capable" content="yes" /> <link rel="icon" href="https://sqy7rm.media.zestyio.com/favicon-2022.png" type="image/png" sizes="196x196" /> <meta name="facebook-domain-verification" custom="true" content="u6lwypb2enhceo6riymov3yga2pk4p" /> <link rel="canonical" href="https://www.acorns.com/security/" /><link type="text/css" href="/site.css?v=3410a0042f8d7df5eba942bc348e59f3" rel="stylesheet" media="screen" /><script type="text/javascript" src="/site.js?v=00ee2690fbbe52f9b7dc0af97e3a9346"></script><link rel="dns-prefetch" href="" /><!-- Google Analytics --><script>(function(i,s,o,g,r,a,m){i['GoogleAnalyticsObject']=r;i[r]=i[r]||function(){(i[r].q=i[r].q||[]).push(arguments)},i[r].l=1*new Date();a=s.createElement(o),m=s.getElementsByTagName(o)[0];a.async=1;a.src=g;m.parentNode.insertBefore(a,m)})(window,document,'script','//www.google-analytics.com/analytics.js','ga');ga('create', 'UA-46142661-9', 'auto');ga('send', 'pageview');</script><!-- Google Analytics --></head><body class="view-security" itemscope="" itemtype="https://schema.org/WebPage"><script> // Note: Variables are generally not available on script initialization. Wait for DOM Content to be loaded before utilizing variables. const currentItemZuid = '7-d2dc87e1bb-hps5ts' const instanceEnv = 'live' const globalVariablesGqlProductionUrl = `https://graphql.acorns.com/graphql` const replaceAdjustLinksWithFallbackUrls = `0` const closingSignUpCtaCopyOverride = `` const closingSignUpCtaLinksToOverride = `` let floatingActionButtonCtaCopyOverride = `` let floatingActionButtonCtaLinksToOverride = `` let floatingActionButtonTitleOverride = `` let floatingActionButtonSubtitleOverride = `` const floatingActionButtonSubtextOverride = `` // Deprecated const floatingActionButtonIconOverride = `` const heroCtaLinksTo = `` const pageCtasLinkTo = `` const learnHubArticleId = `` const learnHubRemoveInArticleCtasAndInvestingQuiz = `` const learnHubInjectedCtasHeadlineCopy = `Start saving and investing today with Acorns` const learnHubInjectedCtasCtaCopy = `Get started` const learnHubInjectedCtasCtaLinksTo = `https://app.adjust.com/5e1n4sg_pu31hev?fallback=https://signup.acorns.com/signup/` const compoundInterestCalculatorUseSpanishCopy = `` const compoundInterestCalculatorEnglishInChartInvestmentCopy = `Investment` const compoundInterestCalculatorEnglishInChartReturnCopy = `Return` const compoundInterestCalculatorSpanishInChartInvestmentCopy = `Inversión` const compoundInterestCalculatorSpanishInChartReturnCopy = `Retorno` const affiliate2023DefaultFABCtaCopyOverride = `Get started` const affiliate2023DefaultFABSubtextOverride = `Get my $5 bonus` const goHenryHeaderNavLoginLinkOverride = `/log-in/` const goHenryFooterSupportCtaLinksToOverride = `https://us.support.gohenry.com/us/s/` const goHenryPromoCodeOverrideActive = `0` const goHenryPromoCodeOverride = `SWUSD2420` const chromeExtensionWebStoreUrl = `https://chromewebstore.google.com/detail/acorns-earn/facncfnojagdpibmijfjdmhkklabakgd?hl=en-US` </script> <!-- Amplitude Browser SDK --> <!-- https://amplitude.com/docs/sdks/analytics/browser/browser-sdk-2 --> <script src="https://cdn.amplitude.com/libs/analytics-browser-2.11.7-min.js.gz"></script> <script> const amplitudeApiKeyStg = '3fd16aedb870ae4a59b21bd66da82c01' const amplitudeApiKeyProd = '5ccb29d8e22cd77a6a5f879142bc0c96' const isUserOnProd = instanceEnv === 'live' const amplitudeApiKey = isUserOnProd ? amplitudeApiKeyProd : amplitudeApiKeyStg window.amplitude.init(amplitudeApiKey, { autocapture: false }); </script> <!-- Amplitude Web Experiment Snippet --> <!-- https://amplitude.com/docs/web-experiment/implementation --> <!-- <script type="text/javascript" src="https://cdn.amplitude.com/script/3fd16aedb870ae4a59b21bd66da82c01.experiment.js"></script> --> <!-- Amplitude (Non-Web) Experiment SDK --> <!-- https://amplitude.com/docs/sdks/experiment-sdks/experiment-javascript --> <script src="https://unpkg.com/@amplitude/experiment-js-client@1.9.0/dist/experiment.umd.js"></script> <script> const amplitudeDeploymentKeyStg = 'client-NtbZFwbedoCgjXKQ7RD86nPc9E2lS7V6' const amplitudeDeploymentKeyProd = 'client-7Boqwa88kE5PxCo4th7lgZt3wLkvoEMI' const amplitudeDeploymentKey = isUserOnProd ? amplitudeDeploymentKeyProd : amplitudeDeploymentKeyStg window.experiment = Experiment.Experiment.initializeWithAmplitudeAnalytics(amplitudeDeploymentKey); </script> <div id="security"> <!-- Note: do not remove below line. Fixes issue that occurs for first each loop on a page when not preceded by an if conditional. --> <div id="header-nav-desktop" class="hide-on-md"> <div class="main-content-wrapper"> <div class="header-nav-left"> <a class="logo-wrapper" href="/" data-track-id="redesignedHeaderLogo"> <img src="https://sqy7rm.media.zestyio.com/Acorns-Logo.svg" alt="Acorns logo" /> </a> <div class="header-nav-item nav-item-with-children"> Investing <img class="inline-nav-arrow" src="https://sqy7rm.media.zestyio.com/Downward-Carat.svg" alt="Downward arrow" /> <div class="header-nav-item-submenu"> <a class="header-nav-submenu-container" href="/invest" data-track-id="redesignedHeaderInvest"> <div class="header-nav-submenu-wrapper"> <div class="nav-submenu-icon-wrapper"> <img class="nav-submenu-icon" src="https://sqy7rm.media.zestyio.com/Invest-Icon-24x24.svg" alt="Invest" /> </div> <div class="nav-submenu-copy-wrapper"> <div class="nav-submenu-title"> Invest </div> <p class="nav-submenu-subtitle"> Investment account </p> </div> </div> <div class="hover-bottom-border"></div> </a> <a class="header-nav-submenu-container" href="/later" data-track-id="redesignedHeaderLater"> <div class="header-nav-submenu-wrapper"> <div class="nav-submenu-icon-wrapper"> <img class="nav-submenu-icon" src="https://sqy7rm.media.zestyio.com/Later-Icon.svg" alt="Later" /> </div> <div class="nav-submenu-copy-wrapper"> <div class="nav-submenu-title"> Later </div> <p class="nav-submenu-subtitle"> Retirement </p> </div> </div> <div class="hover-bottom-border"></div> </a> <a class="header-nav-submenu-container" href="/early-invest/" data-track-id="redesignedHeaderEarly"> <div class="header-nav-submenu-wrapper"> <div class="nav-submenu-icon-wrapper"> <img class="nav-submenu-icon" src="https://sqy7rm.media.zestyio.com/Early-icon-24x24.svg" alt="Early Invest" /> </div> <div class="nav-submenu-copy-wrapper"> <div class="nav-submenu-title"> Early Invest </div> <p class="nav-submenu-subtitle"> Invest for kids </p> </div> </div> <div class="hover-bottom-border"></div> </a> <a class="header-nav-submenu-container" href="/esg-investing" data-track-id="redesignedHeaderSustainable"> <div class="header-nav-submenu-wrapper"> <div class="nav-submenu-icon-wrapper"> <img class="nav-submenu-icon" src="https://sqy7rm.media.zestyio.com/Sustainable-Icon-24x24.svg" alt="Sustainable" /> </div> <div class="nav-submenu-copy-wrapper"> <div class="nav-submenu-title"> Sustainable </div> <p class="nav-submenu-subtitle"> Sustainable ESG portfolios </p> </div> </div> <div class="hover-bottom-border"></div> </a> <a class="header-nav-submenu-container" href="/bitcoin-etf/" data-track-id="redesignedHeaderBitsOfBitcoin"> <div class="header-nav-submenu-wrapper"> <div class="nav-submenu-icon-wrapper"> <img class="nav-submenu-icon" src="https://sqy7rm.media.zestyio.com/CryptoIcon--1-.svg" alt="Bits of Bitcoin" /> </div> <div class="nav-submenu-copy-wrapper"> <div class="nav-submenu-title"> Bits of Bitcoin </div> <p class="nav-submenu-subtitle"> Bitcoin ETF </p> </div> </div> <div class="hover-bottom-border"></div> </a> </div> <div class="hover-bottom-border"></div> </div> <a class="header-nav-item " href="/mighty-oak-card/" data-track-id="redesignedHeaderSpend"> Banking <div class="hover-bottom-border"></div> </a> <a class="header-nav-item " href="/earn" data-track-id="redesignedHeaderEarn"> Earning <div class="hover-bottom-border"></div> </a> <a class="header-nav-item " href="/learn/" data-track-id=""> Learning <div class="hover-bottom-border"></div> </a> <a class="header-nav-item " href="/early/" data-track-id=""> Kids <div class="hover-bottom-border"></div> </a> <a class="header-nav-item pricing-link" href="/pricing" data-track-id="redesignedHeaderPricing"> Pricing <div class="hover-bottom-border"></div> </a> </div> <div class="header-nav-right"> <a class="header-nav-item log-in-link" href="https://app.acorns.com/" data-track-id="headerLogin"> Log in <div class="hover-bottom-border"></div> </a> <a class="a5-cta " href="https://app.adjust.com/s1mjg4g_4oq5ari?fallback=https://signup.acorns.com/signup/" data-track-id="headerGetStarted" universal="true"> Get started </a> </div> </div> </div> <div id="header-nav-mobile" class="hide-on-lg scroll-up scroll-up-no-transition"> <div class="mobile-nav-toggle-section"> <a class="mobile-nav-logo-wrapper" href="/" data-track-id="redesignedHeaderLogo"> <img class="logo-with-text" src="https://sqy7rm.media.zestyio.com/Acorns-Logo-With-Text-2022.svg" alt="Acorns Logo" /> <img src="https://sqy7rm.media.zestyio.com/Acorns-Logo-No-Text-Updt-2022.svg" alt="Acorns Logo Icon" /> </a> <a class="header-action-cta hide-on-desktop" href="https://app.adjust.com/2bfkli_luqqxi?fallback=https://signup.acorns.com/signup/" data-track-id="redesignedHeaderActionCtaMobile" universal="true"> Get the app </a> <div class="mobile-nav-toggle-wrapper"> <div class="mobile-nav-toggle"></div> </div> </div> <div class="mobile-nav-body-wrapper"> <div class="header-nav-item nav-item-with-children"> <span class="nav-item-with-children-title"> Investing <img class="inline-nav-arrow" src="https://sqy7rm.media.zestyio.com/Downward-Carat.svg" alt="Downward arrow" /> </span> <div class="header-nav-item-submenu"> <a class="header-nav-submenu-container" href="/invest" data-track-id="redesignedHeaderInvest"> <div class="header-nav-submenu-wrapper"> <div class="nav-submenu-title"> Invest </div> <p class="nav-submenu-subtitle"> Investment account </p> </div> </a> <a class="header-nav-submenu-container" href="/later" data-track-id="redesignedHeaderLater"> <div class="header-nav-submenu-wrapper"> <div class="nav-submenu-title"> Later </div> <p class="nav-submenu-subtitle"> Retirement </p> </div> </a> <a class="header-nav-submenu-container" href="/early-invest/" data-track-id="redesignedHeaderEarly"> <div class="header-nav-submenu-wrapper"> <div class="nav-submenu-title"> Early Invest </div> <p class="nav-submenu-subtitle"> Invest for kids </p> </div> </a> <a class="header-nav-submenu-container" href="/esg-investing" data-track-id="redesignedHeaderSustainable"> <div class="header-nav-submenu-wrapper"> <div class="nav-submenu-title"> Sustainable </div> <p class="nav-submenu-subtitle"> Sustainable ESG portfolios </p> </div> </a> <a class="header-nav-submenu-container" href="/bitcoin-etf/" data-track-id="redesignedHeaderBitsOfBitcoin"> <div class="header-nav-submenu-wrapper"> <div class="nav-submenu-title"> Bits of Bitcoin </div> <p class="nav-submenu-subtitle"> Bitcoin ETF </p> </div> </a> </div> </div> <a class="header-nav-item " href="/mighty-oak-card/" data-track-id="redesignedHeaderSpend"> Banking </a> <a class="header-nav-item " href="/earn" data-track-id="redesignedHeaderEarn"> Earning </a> <a class="header-nav-item " href="/learn/" data-track-id=""> Learning </a> <a class="header-nav-item " href="/early/" data-track-id=""> Kids </a> <a class="header-nav-item pricing-link" href="/pricing" data-track-id="redesignedHeaderPricing"> Pricing </a> <hr class="log-in-divider header-nav-item"> <a class="log-in-link header-nav-item" href="https://app.acorns.com/" data-track-id="headerLoginMobile"> Log in </a> </div> </div> <div class="added-mobile-spacing hide-on-desktop"></div> <div class="security-hero add-header-padding bg-ivory-light"> <div class="hero-content-wrapper general-envoy-component"> <div class="copy-wrapper"> <div class="hero-tagline envoy-tagline solid-slate"> Strong as oak </div> <h1 class="hero-headline envoy-header-2 font-weight-medium solid-slate"> Acorns<br />Security </h1> </div> <div class="image-wrapper"> <img class="hero-image" src="https://sqy7rm.media.zestyio.com/Security-2024.png" alt="Image of tree with computer underneath it" width="825" height="718" /> </div> </div> </div> <div class="headline-subheadline-component"> <h2 class="headline envoy-header-2 envoy-header-3-sm-desktop envoy-header-3-xs-mobile solid-slate"> Protecting your information and money is our priority </h2> <div class="subheadline envoy-body-large solid-slate"> When you use Acorns, you’re trusting us with your money, and we take that responsibility seriously. We use a variety of security tools to help keep your information safe, whether you’re investing through Acorns.com or the Acorns app. </div> </div> <div class="value-prop-cards-component value-prop-cards-section-wrapper"> <div class="value-prop-cards-wrapper"> <div class="value-prop-card"> <img class="value-prop-icon" src="https://sqy7rm.media.zestyio.com/Security-Icon-1.svg" alt="Your privacy is important to us" /> <div class="value-prop-headline envoy-body solid-slate"> Your privacy is important to us </div> <div class="value-prop-body envoy-body-small solid-slate"> We don’t sell your personal information to, or share it with, unaffiliated third-parties for their own advertising or marketing purposes. Check out our <a href="/privacy/">Privacy Policy</a> for more information. </div> </div> <div class="value-prop-card"> <img class="value-prop-icon" src="https://sqy7rm.media.zestyio.com/Security-Icon-2.svg" alt="A culture of security & privacy" /> <div class="value-prop-headline envoy-body solid-slate"> A culture of security & privacy </div> <div class="value-prop-body envoy-body-small solid-slate"> We take rigorous steps to ensure our employees know and adhere to our security and privacy policies. We foster a culture of security, and empower employees to be security-aware and on the lookout for security fraud and threats. </div> </div> <div class="value-prop-card"> <img class="value-prop-icon" src="https://sqy7rm.media.zestyio.com/Security-Icon-3.svg" alt="Always up to industry standards" /> <div class="value-prop-headline envoy-body solid-slate"> Always up to industry standards </div> <div class="value-prop-body envoy-body-small solid-slate"> Our financial platform’s technical controls (measures taken to protect systems and data) are assessed by a third-party to validate SOC 2 compliance. That means we meet rigorous industry standards for protecting customers’ information. </div> </div> <div class="value-prop-card"> <img class="value-prop-icon" src="https://sqy7rm.media.zestyio.com/Security-Icon-4.svg" alt="Regular security audits" /> <div class="value-prop-headline envoy-body solid-slate"> Regular security audits </div> <div class="value-prop-body envoy-body-small solid-slate"> Our internal controls are audited by a “Big 4” accounting firm, and our systems go through continuous security testing to ensure we’re always up-to-date on ways to protect you and your information. </div> </div> <div class="value-prop-card"> <img class="value-prop-icon" src="https://sqy7rm.media.zestyio.com/Security-Icon-5.svg" alt="Multi-factor authentication" /> <div class="value-prop-headline envoy-body solid-slate"> Multi-factor authentication </div> <div class="value-prop-body envoy-body-small solid-slate"> We use multi-factor authentication to help make sure you’re the only person allowed to access your account. That means we verify your identity during login through a security code we send directly to you. </div> </div> <div class="value-prop-card"> <img class="value-prop-icon" src="https://sqy7rm.media.zestyio.com/Security-Icon-6.svg" alt="Role Based Access" /> <div class="value-prop-headline envoy-body solid-slate"> Role Based Access </div> <div class="value-prop-body envoy-body-small solid-slate"> Employee access to Acorns’ internal systems is enforced through Role Based Access and multi-factor authentication, meaning only employees who absolutely need access to those systems are given it. </div> </div> <div class="value-prop-card"> <img class="value-prop-icon" src="https://sqy7rm.media.zestyio.com/Security-Icon-7.svg" alt="Your data is encrypted" /> <div class="value-prop-headline envoy-body solid-slate"> Your data is encrypted </div> <div class="value-prop-body envoy-body-small solid-slate"> We go the extra mile when it comes to safe-keeping your personal information. We use 256-bit or higher encryption at all times to protect your data. </div> </div> <div class="value-prop-card"> <img class="value-prop-icon" src="https://sqy7rm.media.zestyio.com/Security-Icon-8.svg" alt="We always keep a lookout" /> <div class="value-prop-headline envoy-body solid-slate"> We always keep a lookout </div> <div class="value-prop-body envoy-body-small solid-slate"> Our Security Operations team monitors for suspicious activity 24/7. We also monitor our own layered, security defenses to help protect your data from potential threats. </div> </div> <div class="value-prop-card"> <img class="value-prop-icon" src="https://sqy7rm.media.zestyio.com/Security-Icon-9.svg" alt="Proactive communication " /> <div class="value-prop-headline envoy-body solid-slate"> Proactive communication </div> <div class="value-prop-body envoy-body-small solid-slate"> We’ll alert you ASAP if we detect any suspicious activity on your account. We’ll also regularly update you on any fake Acorns emails and customer support scams, as well as provide tips on how to protect yourself. </div> </div> </div> </div> <div id="envoy-faqs-component" class="envoy-faqs-component faqs-component"> <div class="faqs-component-content-wrapper content-wrapper"> <div class="header-copy-wrapper"> <h4 class="envoy-header-5 solid-slate"> Frequently asked </h4> </div> <div class="questions-wrapper"> <div class="question-wrapper" onclick="handleFAQComponentClick(event)"> <div class="question-copy-wrapper"> <div class="question-header"> <p class="question-copy envoy-body solid-slate"> What is two-factor authentication and why do I need it? </p> <div class="faq-toggle-wrapper"> <img class="faq-toggle-arrow" src="https://sqy7rm.media.zestyio.com/Envoy-FAQs-Component-Arrow.svg" alt="Right arrow" /> </div> </div> <div class="question-body envoy-body"> <p>You may be using Two-Factor Authentication already for other services, like your email provider or digital file storage. As a first step, or “factor,” you log in to your account with your credentials. As the second security step, you receive a text message with a code, and enter the code to access your account.</p> <p> </p> <p>If you enable Two-Factor Authentication for your Acorns accounts, it will only take effect if:</p> <ol> <li>You are logging in with your email address and password, not your PIN</li> <li>The login attempt is flagged as suspicious or you are logging in from a device we don’t recognize. </li> </ol> <p> </p> <p>Your security is our top priority, so we’re always looking for ways to better protect your information. Two-Factor Authentication is a technology that can help keep your accounts and information secure, so we strongly recommend enabling it as an extra layer of security for your Acorns account designed to ensure that you are the only person who can access your account, even if someone knows your password.</p> <p> </p> <p>To enable Two-Factor authentication on your Acorns account, follow our guide <a href="https://support.acorns.com/hc/en-us/articles/360052528374-How-do-I-turn-on-Two-factor-Authentication-on-my-account-" target="_blank" rel="noopener">here</a>.</p> </div> </div> </div> <div class="question-wrapper" onclick="handleFAQComponentClick(event)"> <div class="question-copy-wrapper"> <div class="question-header"> <p class="question-copy envoy-body solid-slate"> How do I upload documents? </p> <div class="faq-toggle-wrapper"> <img class="faq-toggle-arrow" src="https://sqy7rm.media.zestyio.com/Envoy-FAQs-Component-Arrow.svg" alt="Right arrow" /> </div> </div> <div class="question-body envoy-body"> <p>Your security is our primary concern, so we take every measure to verify that you are you and that any changes requested are authentic. </p> <p> </p> <p>You can easily upload documents through our in-app secure <a href="https://app.acorns.com/document-uploader/" target="_blank" rel="noopener" universal="true">uploader</a>. Once we receive your documents, please allow 1-3 days for your documents to be reviewed.</p> </div> </div> </div> <div class="question-wrapper" onclick="handleFAQComponentClick(event)"> <div class="question-copy-wrapper"> <div class="question-header"> <p class="question-copy envoy-body solid-slate"> How does Acorns protect my money? </p> <div class="faq-toggle-wrapper"> <img class="faq-toggle-arrow" src="https://sqy7rm.media.zestyio.com/Envoy-FAQs-Component-Arrow.svg" alt="Right arrow" /> </div> </div> <div class="question-body envoy-body"> <p>Opening an Acorns account is opening an investment account; therefore your gains/losses are subject to tax laws. Because of this, and because Acorns is subject to regulatory oversight by FINRA, and the SEC, we are required to gather personal information from you in order to abide by the rules and regulations put forth by these organizations. We have to make sure that we are stringent with account approvals and comply with all regulations. We hope you understand. </p> <p> </p> <p>Additionally, the Patriot Act requires all financial institutions to obtain, verify, and keep certain records that identify each person who opens an account. We also require your social security number in order to issue you a tax reporting form at the end of the year. As for security, here is some information on how we do everything we can to keep your data secure.</p> <p> </p> <ul> <li>Member of SIPC. Securities in your account are protected up to $500,000. For details please see <a href="https://www.sipc.org" target="_blank" rel="noopener">www.sipc.org</a>*.</li> <li>FDIC Protected Acorns Checking Account: Your deposits in your Acorns Checking account are insured up to $250,000 - that’s because our banking partners, Lincoln Savings Bank and nbkc bank are both FDIC members.</li> <li>Security: Your peace of mind is our highest priority. Acorns works to secure your information, prevent unauthorized account access, and to notify you of unusual activity.</li> <li>SSL Encryption: The website and app are secured with 256-bit encryption.</li> <li>Account Alerts: We will contact you about unusual account activity to help secure your account against fraud.</li> <li>Account Safeguards: Automatic logouts and ID verification to help prevent unauthorized access.</li> <li>Privacy: Acorns is committed to maintaining the confidentiality, integrity and security of any personal information about our users.</li> </ul> <p> </p> <p>Your account security is our top priority at Acorns. If you see any transactions that you do not recognize, be sure to first check if there is an automatic transfer set up on your account. For more information regarding your recent account activity, please click <a href="https://support.acorns.com/hc/en-us/articles/1500010552141-Recent-Account-Activity" target="_blank" rel="noopener">here</a>. </p> <p> </p> <p><em>*SIPC does not protect against market risk, which is the risk inherent in a fluctuating market.</em></p> </div> </div> </div> <div class="question-wrapper" onclick="handleFAQComponentClick(event)"> <div class="question-copy-wrapper"> <div class="question-header"> <p class="question-copy envoy-body solid-slate"> Does Acorns store my bank login information on their servers? </p> <div class="faq-toggle-wrapper"> <img class="faq-toggle-arrow" src="https://sqy7rm.media.zestyio.com/Envoy-FAQs-Component-Arrow.svg" alt="Right arrow" /> </div> </div> <div class="question-body envoy-body"> <p>No. Acorns does not store your bank log in information. </p> <p> </p> <p>For security, here is some information on how we do everything we can to protect your data: </p> <p> </p> <ul> <li>Security: Your peace of mind is our highest priority. Acorns works to protect your information, prevent unauthorized account access, and to notify you of unusual activity.</li> <li>SSL Encryption: The website and app are secured with 256-bit encryption. <br>Member of SIPC. Securities in your account are protected up to $500,000. For details please see <a href="https://www.sipc.org" target="_blank" rel="noopener">www.sipc.org</a>*.</li> <li>Account Alerts: We will contact you about unusual account activity for protection against fraud.</li> <li>Account Safeguards: Multi-factor authentication, automatic log outs, and ID verification help prevent unauthorized access.</li> <li>Privacy: Acorns is committed to maintaining the confidentiality, integrity and security of any personal information about our users.</li> </ul> <p> </p> <p><em>*SIPC does not protect against market risk, which is the risk inherent in a fluctuating market.</em></p> </div> </div> </div> <div class="question-wrapper" onclick="handleFAQComponentClick(event)"> <div class="question-copy-wrapper"> <div class="question-header"> <p class="question-copy envoy-body solid-slate"> How else can I protect my Acorns account? </p> <div class="faq-toggle-wrapper"> <img class="faq-toggle-arrow" src="https://sqy7rm.media.zestyio.com/Envoy-FAQs-Component-Arrow.svg" alt="Right arrow" /> </div> </div> <div class="question-body envoy-body"> <p>Here are some ways that may help protect your account:</p> <p> </p> <ol> <li>Always log out of your account after use. In fact, we automatically log you out of the app after periods of inactivity and require you to enter your passcode again to get back on</li> <li>Check your account(s) regularly so you can know if/when something is wrong</li> <li>Use a strong, difficult to guess password</li> <li>Set up two-factor authentication, which requires you to take an extra step to authenticate who you are</li> <li>Be careful where you access your account. Someone could be looking over your shoulder as you log in or a hacker may be able to gain access through public Wi-Fi connections</li> <li>Never share your banking information with anyone!</li> </ol> </div> </div> </div> <div class="question-wrapper" onclick="handleFAQComponentClick(event)"> <div class="question-copy-wrapper"> <div class="question-header"> <p class="question-copy envoy-body solid-slate"> Where can I find Acorns’ Privacy Policy? </p> <div class="faq-toggle-wrapper"> <img class="faq-toggle-arrow" src="https://sqy7rm.media.zestyio.com/Envoy-FAQs-Component-Arrow.svg" alt="Right arrow" /> </div> </div> <div class="question-body envoy-body"> <p>Acorns’ Privacy Policy can be found <a href="/privacy/" target="_blank" rel="noopener">here</a>.</p> </div> </div> </div> <div class="question-wrapper" onclick="handleFAQComponentClick(event)"> <div class="question-copy-wrapper"> <div class="question-header"> <p class="question-copy envoy-body solid-slate"> How can I report a security vulnerability to Acorns? </p> <div class="faq-toggle-wrapper"> <img class="faq-toggle-arrow" src="https://sqy7rm.media.zestyio.com/Envoy-FAQs-Component-Arrow.svg" alt="Right arrow" /> </div> </div> <div class="question-body envoy-body"> <p>If you found a security issue or vulnerability related to Acorns services, then we would like to hear from you. You may report it to<span> </span><a target="_blank" class="c-link" data-stringify-link="mailto:bugbounty@acorns.com" delay="150" data-sk="tooltip_parent" aria-haspopup="menu" href="mailto:bugbounty@acorns.com" rel="noopener noreferrer">bugbounty@acorns.com<span aria-label="(opens in new tab)" data-qa="opens-in-new-tab"></span></a><span> </span>or through our vulnerability disclosure program here:<span> </span><a target="_blank" class="c-link" data-stringify-link="https://bugcrowd.com/engagements/acorns" delay="150" data-sk="tooltip_parent" href="https://bugcrowd.com/engagements/acorns" rel="noopener noreferrer">https://bugcrowd.com/engagements/acorns</a></p> </div> </div> </div> </div> </div> </div> <div class="envoy-closing-sign-up"> <div class="closing-sign-up-wrapper bg-acorns-green"> <div class="copy-wrapper"> <div class="sign-up-tagline envoy-tagline white"> Join the Movement </div> <h5 class="sign-up-headline envoy-header-3 white"> We’re changing the way Americans save & invest 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center;"><span data-stringify-type="paragraph-break"><strong>Investment products | Not FDIC insured | No bank guarantee | May lose value</strong><br><br></span><span style="text-decoration: underline;"><strong>Important Disclosures</strong></span></div> <div style="text-align: left;"> </div> <div style="text-align: left;"><strong>Paid advertisement.</strong> Dwayne Johnson is an investor in Acorns Grow Incorporated, is a director of its affiliate Acorns Labs, is an Acorns customer, and together with his creative agency receives substantial compensation from Acorns and its affiliates to promote Acorns and therefore has a conflict of interest that can be expected to bias his views. Statements are not necessarily representative of the experience or views of other customers and are not guarantees of performance or success. Nothing here should be viewed as an endorsement or testimonial regarding Acorns Advisers LLC's investment advisory services. Acorns is not a bank. Acorns Visa™ debit cards and banking services are issued and provided by Lincoln Savings Bank or nbkc bank, Members FDIC, to Acorns Checking account holders that are U.S. residents over the age of eighteen (18).<br><strong><br>Investing involves risk, including loss of principal. </strong>Please consider, among other important factors, your investment objectives, risk tolerance and Acorns’ pricing before investing. Investment advisory services offered by Acorns Advisers, LLC (Acorns), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member <a target="_blank" data-stringify-link="https://www.finra.org/#/" delay="150" data-sk="tooltip_parent" href="https://www.finra.org/#/" rel="noopener noreferrer" data-remove-tab-index="true" tabindex="-1">FINRA</a>/<a target="_blank" data-stringify-link="https://www.sipc.org/" delay="150" data-sk="tooltip_parent" href="https://www.sipc.org/" rel="noopener noreferrer" data-remove-tab-index="true" tabindex="-1">SIPC</a>.</div> <div style="text-align: left;"><span data-stringify-type="paragraph-break"> </span></div> <div style="text-align: left; padding-left: 40px;"><span data-stringify-type="paragraph-break"></span>1. <strong>Round-Ups® investments </strong>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. If you do not maintain an adequate amount of funds in your funding source sufficient to cover your Round-Ups® investment, you could incur overdraft fees with your financial institution. Only purchases made with Round-Up accounts linked to your Acorns account with the feature activated are eligible for the Round- Ups® investment feature. Round-Up investments from your funding source will be processed when your Pending Round-Ups® investments reach or exceed $5. <br><br><span data-stringify-type="paragraph-break"></span></div> <p style="padding-left: 40px;">2. <strong>Acorns Checking Real-Time Round-Ups® </strong>invests small amounts of money from purchases made using an Acorns Checking account into the client’s Acorns Investment account. Requires both an active Acorns Checking account and an Acorns Investment account in good standing. Real-Time Round-Ups® investments accrue instantly for investment during the next trading window.</p> <p style="padding-left: 40px;">3. A properly suggested <strong>portfolio recommendation</strong> 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.</p> <p style="padding-left: 40px;">4. <strong>Acorns Earn</strong> 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. Amount earned and invested through Acorns Earn since inception as of July 1, 2024.</p> <p style="padding-left: 40px;">5. Acorns <strong>Subscription Fees</strong> are assessed based on the plan 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 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.</p> <p style="padding-left: 40px;" id="not-a-bank-disclosure">6.<strong> Acorns is not a bank.</strong> Acorns Visa™ debit cards and banking services are issued by Lincoln Savings Bank or nbkc bank, members FDIC. Acorns Checking clients are not charged overdraft fees, maintenance fees, or ATM fees for cash withdrawals from in-network ATMs. Please see your Acorns Subscription Center or Account Statements for a description of the fees you pay to Acorns for its services. Any balances you hold with Lincoln Savings Bank or nbkc bank, including but not limited to those balances held in Acorns Checking accounts are added together and are insured up to $250,000 per depositor through Lincoln Savings Bank or nbkc bank, Members FDIC. If you have funds jointly owned, these funds would be separately insured for up to $250,000 for each joint account owner. Lincoln Savings Bank or nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Acorns Checking accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). For a complete list of other depository institutions where funds may be placed, please visit <a target="_blank" data-stringify-link="https://www.cambr.com/bank-list" delay="150" data-sk="tooltip_parent" href="https://www.cambr.com/bank-list" rel="noopener noreferrer" data-remove-tab-index="true" tabindex="-1">https://www.cambr.com/bank-list</a>. Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at <a target="_blank" data-stringify-link="https://www.fdic.gov/resources/deposit-insurance/" delay="150" data-sk="tooltip_parent" href="https://www.fdic.gov/resources/deposit-insurance/" rel="noopener noreferrer" data-remove-tab-index="true" tabindex="-1">https://www.fdic.gov/resources/deposit-insurance/</a>.</p> <p style="padding-left: 40px;">7. <strong>Early Payday </strong>depends on the timing of the submission of the payment file from the payer and fraud prevention restrictions. Funds are generally available on the day the payment file is received, up to 2 days earlier than the scheduled payment date. Timing may vary. <strong></strong></p> <p style="padding-left: 40px;">8.<strong> The ETFs</strong> comprising the portfolios charge fees and expenses that will reduce a client’s return. Investors should consider the investment objectives, risks, charges and expenses of the funds carefully before investing. Investment policies, management fees and other information can be found in the individual ETF’s prospectus. Please read each prospectus carefully before investing.</p> <p style="padding-left: 40px;">9. <strong>Acorns does not provide access to invest directly in Bitcoin.</strong> Bitcoin exposure is provided through the ETF BITO, which invests in Bitcoin futures. This is considered a high-risk investment given the speculative and volatile nature. Investments in Bitcoin ETFs may not be appropriate for all investors and should only be utilized by those who understand and accept those risks. Investors seeking direct exposure to the price of bitcoin should consider a different investment. </p> <p style="padding-left: 40px;">10. <strong>The ESG (Environmental, social, and governance) investment strategies</strong> may limit the types and number of investment opportunities available, as a result, the portfolio may underperform others that do not have an ESG focus. Companies selected for inclusion in the portfolio may not exhibit positive or favorable ESG characteristics at all times and may shift into and out of favor depending on market and economic conditions. Environmental criteria considers how a company performs as a steward of nature. Social criteria examine how it manages relationships with employees, suppliers, customers, and the communities where it operates. Governance deals with a company’s leadership, executive pay, audits, internal controls, and shareholder rights.</p> <p style="padding-left: 40px;">11. <strong>Invest,</strong> an individual investment account which invests in a portfolio of ETFs (exchange traded funds) recommended to clients based on their investment objectives, time horizon, and risk tolerance. </p> <p style="padding-left: 40px;">12. <strong>Later</strong>, an Individual Retirement Account (either Traditional, ROTH or SEP IRA) selected for clients based on their answers to a suitability questionnaire. Please consult your tax advisor with any questions. Existing customers in Acorns Gold or Silver subscription plans can opt into the Acorns Later Match feature and receive either a 3% or 1% IRA match, respectively, on new contributions made to an Acorns Later account. New customers in these subscription plans are automatically eligible for the Later Match feature at the applicable 3% and 1% match rate. All Later funds for both new and existing customers must be held in an Acorns Later account for at least four years to keep the earned IRA match and all or a portion of IRA Match may be subject to recapture by Acorns if customer downgrades to a Subscription Plan with a lower monthly fee.<br><br>For informational purposes only. This is solely intended to provide notification of an available product or service. This is not a recommendation to buy, sell, hold, or roll over any asset, adopt an investment strategy, or use a particular account type. This information does not consider the specific investment objectives, tax and financial conditions or particular needs of any specific person. Investors should discuss their specific situation with their financial professional.</p> <p style="padding-left: 40px;">13. <b id="docs-internal-guid-0532bbc1-7fff-805f-cbf1-6bf6e13047b7"><span>Acorns Early Invest, </span></b>an UTMA/UGMA investment account managed by an adult custodian until the minor beneficiary comes of age, at which point they assume control of the account. Money in a custodial account is the property of the minor. <span>Customers in the Gold Subscription Plan are automatically eligible for a 1% "Early Match" promotion on deposits by the Customer of up to $7,000 a year per Early Account. All funds must be held in the applicable Acorns Early Account for at least four years of the Early Match deposit date or until the beneficiary reaches the applicable Age of Transfer, whichever is earlier. The Early Match will be subject to recapture by Acorns if funds are withdrawn from the Early Account during the four year period, up to the amount for which a 1% Early Match was received. The Early Match will also be subject to recapture if a customer downgrades to a Subscription Plan with a lower monthly fee within this period. </span></p> <p style="padding-left: 40px;">14. <strong>Custom Portfolios</strong> are non-discretionary investment advisory accounts, managed by the customer. Custom Portfolios are not available as a stand alone account and clients must have an Acorns Invest account. Custom portfolios are not instant trading. Clients wanting more control over order placement and execution may need to consider alternative investment platforms before adding a Custom portfolio account.</p> <p style="padding-left: 40px;">15. The <strong>Acorns Gold GoHenry Benefit</strong> is available only to Acorns subscribers who subscribe to the Acorns Gold Plan and is for the monthly GoHenry Child or Family Plan Membership Fee, subject to these Waiver Terms. You will remain responsible for any other fees that you owe under the GoHenry Cardholder Terms and Conditions that are not included in the monthly GoHenry Child or Family Plan Membership Fee, as applicable.</p> <p style="padding-left: 40px;">16. © GoHenry Inc. ("Acorns Early") All rights reserved. Acorns Early is not a bank. The Acorns Early card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International. Our office is located at Acorns Early, 5300 California Avenue, Irvine, CA 92617. Cardholder Terms and limits apply.</p> <p style="padding-left: 40px;">17. <strong>It is not possible to invest directly in an index.</strong> Past performance is no guarantee of future results. </p> <p style="padding-left: 40px;">18. Acorns reserves the right to restrict or revoke any and all offers at any time.</p> <p style="padding-left: 40px;">19. <strong>Compounding</strong> is the process in which an asset’s earning from either capital gains or interest are reinvested to generate additional earnings over time. It does not ensure positive performance, nor does it protect against loss. Acorns clients may not experience compound returns and investment results will vary based on market volatility and fluctuating prices. </p> <p style="padding-left: 40px;">20. <strong>Diversification</strong> and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal.</p> <p style="padding-left: 40px;">21. App rating references the combined all-time star rating received in Google Play and Apple App Store. App Store rating as of 5/30/24.</p> <p style="padding-left: 40px;">22. ‘Save and Invest’ refers to a client’s ability to utilize the Acorns Real-Time Round-Ups® investment feature to seamlessly invest small amounts of money from purchases using an Acorns investment account.</p> <p style="padding-left: 40px;">23. The information contained on this website should not considered an offer, solicitation of an offer or advice to buy or sell any security or investment product. The information should not be construed as tax or legal advice. Please consult your tax advisor with any questions.<br><br>24. Comparisons are based on the national average Annual Percentage Yields (APY) published in the FDIC National Rates and Rate Caps as of October 16, 2023.</p> <p style="padding-left: 40px;">25. As of November 8, 2024, Mighty Oak Checking Annual Percentage Yield (APY) is 2.72% and Emergency Fund APY is 4.29%. APY is variable and subject to change at our discretion, without prior notice. No minimum opening deposit or minimum balance required. Acorns is not a bank. Banking services provided by and Mighty Oak Debit Cards issued and provided by nbkc bank, Member FDIC, to Acorns Checking account holders that are U.S. residents over the age of eighteen (18). </p> <p style="padding-left: 40px;">26. <span>On August 21, 2024, Acorns changed the names of its Subscription Plans from "Personal," "Personal Plus," and "Premium" to "Bronze," "Silver," and "Gold." No other changes were made to the Subscription Plans at that time. </span></p> <p style="padding-left: 40px;"><span>27. Over $22 billion invested since inception as of 6/26/2024. </span></p> <p style="padding-left: 40px;"><span>28. Amount invested from Round-Ups alone since inception as of July 31, 2024. </span></p> <div><span data-stringify-type="paragraph-break"></span>Acorns, Round-Ups® investments, Real-Time Round-Ups® investments, Invest the Change and the Acorns logo are registered trademarks of Acorns Grow Incorporated. All product and company names are trademarks™ or registered® trademarks of their respective holders. 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