Privacy Policy | Acorns

The Fine Print of Acorns

ACORNS PRIVACY NOTICE

Effective as of September 29, 2026


FACTS	WHAT DOES ACORNS DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: - Social Security number and account balances - Transaction history and income - Account transactions and checking account information When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Acorns chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information	Does Acorns share?	Can you limit this sharing?
For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes — to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We don’t share
For our affiliates’ everyday business purposes — information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes — information about your creditworthiness	No	We don’t share
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	No	We don’t share


To limit our sharing	Call the applicable toll-free number below: • Acorns: 855.604.5130 Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?	Call 855.604.5130 or go to https://www.acorns.com/support/contact/


Who we are
Who is providing this notice?	This privacy notice is provided by Acorns Advisers, LLC, Acorns Securities, LLC, Acorns Pay, LLC, and Acorns Grow Incorporated.


What we do
How does Acorns protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Acorns collect my personal information?	We collect your personal information, for example, when you: - Pay your bills or make deposits or withdrawals from your account; - Provide account information or give us your contact information; - Show your government issued ID; We also collect your personal information from other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit some, but not all, sharing related to: - sharing for affiliates’ everyday business purposes — information about your creditworthiness - affiliates from using your information to market to you - nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more information on your rights under state law.


Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Acorns’ affiliates include Acorns Grow Incorporated, Acorns Advisers, LLC, Acorns Securities, LLC, Acorns Pay, LLC and their respective affiliates
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. - Nonaffiliates we share with can include direct marketing companies.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. - Our joint marketing partners include financial service companies.


Other important information
California: If your Acorns account has a California mailing address, we will not share personal information we collect about you except to the extent permitted under California law. Vermont: If your Acorns account has a Vermont mailing address, we will not share personal information we collect about you with non-affiliates unless the law allows or you provide authorization.

Acorns Privacy Policy

Effective as of September 29, 2026.

This Privacy Policy describes the privacy practices of Acorns Grow Incorporated, Acorns Advisers, LLC, Acorns Securities, LLC, Acorns Pay, LLC and their respective affiliates (collectively, "Acorns," "we", “us” or "our") and how we handle personal information, as defined below, that we collect through our digital properties that link to this Privacy Policy, including our website, mobile application, any available chatbots or AI tools, and browser extensions (collectively, the “Service”), as well as through social media, our marketing activities, our live events and other activities described in this Privacy Policy. This Privacy Policy applies both to Acorns customers and to other individuals who interact with the Service or otherwise provide personal information to us.

For purposes of this Privacy Policy, “personal information” means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. Personal information does not include aggregate or deidentified information, or publicly available information lawfully available from governmental records.

You can download a printable copy of this Privacy Policy here.

Personal information we collect

Personal information you may provide to us through the Service or otherwise includes:

Contact data, such as your first and last name, email address, billing and mailing addresses, and phone number.
Government identifiers, such as national identification number (e.g., Social Security Number, tax identification number, passport number), state or local identification number (e.g., driver’s license or state ID number), and an image of the relevant identification card.
Profile data, such as the username, account number and password for your Acorns account, date of birth, gender, education, employment details, biographical details, US residency/citizenship status, income, net worth, preferences, investment goals, financial experience, information about your participation in our surveys, and any other information that you add to your account profile.
Billing data, such as the payment card or bank account numbers that you use to make payments or transfers through the Service.
Financial data, such as information about your investment and financial history and interests that you provide through the Service and the information you authorize us to collect from the financial accounts that you connect to the Service.
Data about others, such as the personal information of any children or others that you provide when opening investment accounts through the Service on their behalf. We also offer features that help users invite their friends or contacts to use the Service, and we may collect contact details about these invitees so we can deliver their invitations. Please do not refer someone to us or share their contact details with us unless you have their permission to do so.
Transactional data, such as information relating to or needed to complete your orders on or through the Service, including transaction history and information about your investments.
Communications that we exchange with you, including when you contact us with questions or feedback, through the Service (including our chatbot, AI chatbot and other interactive features), social media, survey participation, text messages, any available AI tools or otherwise.

How we use your personal information

We may use your personal information for the following purposes or as otherwise described at the time of collection:

Service delivery.

provide, operate and improve the Service and our business;
fulfill your requests for products and services;
facilitate your invitations to friends who you want to invite to join the Service;
communicate with you about the Service, including by communicating with you through text messages, chat features (including our AI chatbot), sending announcements, updates, security alerts, money alerts, and support and administrative messages;
understand your needs and interests, and personalize your experience with the Service and our communications;

Compliance and protection.

comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities;
protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims);

Marketing and advertising.

Direct marketing. We may send you direct marketing communications, including through text message or email. You may opt-out of our marketing communications as described in the Opt-out of marketing section below.

Research and development.

We may use your personal information for research and development purposes, including to analyze and improve the Service and our business.

Retention.

The length of time we retain particular categories of personal information is determined based on whether it is sufficient to fulfill the purposes for which we collected it, including to satisfy legal, regulatory, accounting, or reporting requirements, establish or defend legal claims, enforce our agreements, resolve disputes or fraud prevention, or as otherwise permitted under applicable law.

Your privacy rights and choices

Privacy laws, other than the CCPA, apply to much of the personal information that we collect, use, and disclose. Depending on where you live, applicable law may provide you with certain rights regarding your personal information:

Right to access. You can request a copy of certain personal information that we have collected about you and have it provided in a portable, machine-readable manner.
Right to deletion. You can request that we delete personal information that we collected from you.

If you have any questions regarding this Privacy Policy or your personal information, please contact us at privacy@acorns.com.

Changes to this Privacy Policy

We reserve the right to modify this Privacy Policy at any time. If we make material changes to this Privacy Policy, we will notify you by updating the date of this Privacy Policy and posting it on the Service.