Accessibility Statement

<!DOCTYPE html><html lang="en-us"><head><title>Accessibility Statement | Acorns</title><meta property="og:type" content="website" /><meta property="og:title" content="Accessibility Statement" /><meta name="twitter:title" content="Accessibility Statement"><meta property="og:description" content="Updated April 13, 2020 Our Commitment to Accessibility We are committed to making the Acorns experience available to all our customers, including those with dis" /><meta property="twitter:description" content="Updated April 13, 2020 Our Commitment to Accessibility We are committed to making the Acorns experience available to all our customers, including those with dis" /><meta property="og:url" content="https://www.acorns.com/accessibility/" /><meta name="twitter:card" content="summary"><meta property="og:site_name" content="Acorns" /><meta name="description" content="Updated April 13, 2020 Our Commitment to Accessibility We are committed to making the Acorns experience available to all our customers, including those with dis" /><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/accessibility/" /><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="" /><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></head><body class="view-legal_documents" itemscope="" itemtype="https://schema.org/WebPage"><script> // Note: Variables are generally not available on script initialization. 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x-viewport"><div class="documents/terms"> <div class="documents">  <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 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<a id="ember7-e08ef7839f-xqwt2j" href="/fitbit-ace-lte-terms/" style="touch-action: manipulation; -ms-touch-action: manipulation; cursor: pointer;" class="link ember-view"> GoHenry Promo Offer Terms </a> </li> <li> <a id="ember7-5859d56-dgl43j" href="/terms/" style="touch-action: manipulation; -ms-touch-action: manipulation; cursor: pointer;" class="link ember-view"> Terms of Use </a> </li> <li> <a id="ember7-60e7057-9wdc4h" href="/wrap-fee-brochure/" style="touch-action: manipulation; -ms-touch-action: manipulation; cursor: pointer;" class="link ember-view"> Wrap Fee Brochure </a> </li> <li> <a id="ember7-8cc286f4df-fmksks" href="/accessibility/" style="touch-action: manipulation; -ms-touch-action: manipulation; cursor: pointer;" class="link ember-view"> <h1> Accessibility Statement </h1> </a> </li> <li> <a id="ember7-dec8cfc3a4-vzqt3x" href="/harvest-terms-and-conditions/" style="touch-action: manipulation; -ms-touch-action: manipulation; cursor: pointer;" class="link ember-view"> Harvest Terms and Conditions </a> </li> <li> <a id="ember7-a493be8ae7-d3lwz9" href="/harvest-privacy-policy/" style="touch-action: manipulation; -ms-touch-action: manipulation; cursor: pointer;" class="link ember-view"> Harvest Privacy Policy </a> </li> <li> <a id="ember7-94afe6b7d6-r3txp1" href="/acorns-on-social-media/" style="touch-action: manipulation; -ms-touch-action: manipulation; cursor: pointer;" class="link ember-view"> Acorns on Social Media </a> </li> <li> <a id="ember7-da80bac2b4-j8nxqt" href="/set-it-and-invest-it-challenge-terms/" style="touch-action: manipulation; -ms-touch-action: manipulation; cursor: pointer;" class="link ember-view"> Set it and Invest it Challenge Terms </a> </li> <li> <a id="ember7-5859d57-1s13m3" href="/giftcardterms/" style="touch-action: manipulation; -ms-touch-action: manipulation; cursor: pointer;" class="link ember-view"> Gift Card Terms </a> </li> <li> <a id="ember7-88f9e59396-ntcdqh" href="/mighty-oak-terms-and-conditions/" style="touch-action: manipulation; -ms-touch-action: manipulation; cursor: pointer;" class="link ember-view"> Mighty Oak Card </a> </li> <li> <a id="ember7-80c5c2b6ba-5qlfjr" href="/longgamesweepstakes/" style="touch-action: manipulation; -ms-touch-action: manipulation; cursor: pointer;" class="link ember-view"> Long Game Sweepstakes Terms </a> </li> <li> <a id="ember7-96bfc6fac2-58vhnk" href="/tungsten-promotions-terms/" style="touch-action: manipulation; -ms-touch-action: manipulation; cursor: pointer;" class="link ember-view"> Gold Tier Tunsgten Promotions Terms </a> </li> <li> <a id="ember7-ece984fde2-w2fd38" href="/later-match-terms/" style="touch-action: manipulation; -ms-touch-action: manipulation; cursor: pointer;" class="link ember-view"> Later Match Terms & Conditions </a> </li> <li> <a id="ember7-5e83fac-klxjn1" href="/ref-terms/" style="touch-action: manipulation; -ms-touch-action: manipulation; cursor: pointer;" class="link ember-view"> Referral Promotion Terms </a> </li> <li> <a href="https://sqy7rm.media.zestyio.com/Earn-Rewards-Match-TC--9_25-Update-.pdf" target="_blank" class="link" style="touch-action: manipulation; -ms-touch-action: manipulation; cursor: pointer;"> Earn Rewards Match </a> </li> <li> <a id="ember7-5859d56-74wqv4" href="/program-agreement/" style="touch-action: manipulation; -ms-touch-action: manipulation; cursor: pointer;" class="link ember-view"> Program Agreement </a> </li> <li> <a id="ember7-a082a7c9b7-gh0r3t" href="/cricket-terms-and-conditions/" style="touch-action: manipulation; -ms-touch-action: manipulation; cursor: pointer;" class="link ember-view"> Cricket Terms and Conditions </a> </li> <li> <a id="ember7-eacf8180d8-1c3t3t" href="/privacy/" style="touch-action: manipulation; -ms-touch-action: manipulation; cursor: pointer;" class="link ember-view"> Privacy Policy </a> </li> <li> <a id="ember7-eaa494f2fd-8k3h6r" href="/acorns-early-terms-and-conditions/" style="touch-action: manipulation; -ms-touch-action: manipulation; 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of Financial Condition as of June 30, 2024 </a> </li> </ul> </section> </div> </section> </div> <div id="legal_docs"> <div id="document-container"> <p class="updated center title" style="text-align: center;"><span style="display: block; text-align: center;">Updated April 13, 2020</span></p> <p><strong>Our Commitment to Accessibility</strong></p> <p>We are committed to making the Acorns experience available to all our customers, including those with disabilities, and have designed this Site with accessibility in mind.</p> <p><strong>Need Assistance or Have Feedback?</strong></p> <p>If you notice any content, feature or functionality that you believe is not fully accessible to people with disabilities, please <a href="mailto:support@acorns.com?subject=Disabled%20Access">email us</a> with the words "Disabled Access" in the subject line and provide a description of the specific feature you feel is not fully accessible or a suggestion for improvement. 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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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