Upgrade Incentive Promo Terms

The Fine Print of Acorns

Acorns Upgrade Promotion Terms and Conditions

Acorns Grow, Inc.’s (“Acorns”) Upgrade Promotion (the “Promotion”) is subject to the terms and conditions set forth herein.

Existing Acorns Users are eligible to receive a bonus investment by Acorns into their Acorns Invest Account (the “Reward Shares”) in the amount specified in the targeted email, push notification, or in-app message the user receives from Acorns, if they (1) click the call to action within any targeted email, push notification, or in-app message received during the time period specified in the call to action message (or if applicable, use a promo code when prompted); and (2) upgrade to the Acorns Gold Plan ($12/mo) during the offer period.

Limited time offer. Valid only through the time period set forth in the call to action received.

Definitions

Good Standing means an account with a verified linked funding source for which all required account opening documentation has been completed, and an account status that is not locked, suspended, or otherwise restricted in any way, in Acorns or its affiliated entities’ sole discretion.

All terms used but not otherwise defined herein have the same meaning as in the Acorns Program Agreement.

Eligibility

The Acorns User’s account must be maintained in Good Standing at all times relevant to this promotion. Acorns, in limited cases and in its sole discretion, may waive certain reward eligibility criteria.

Reward Shares are typically deposited within 30-45 days from the date of upgrade. This timeline may be delayed in Acorns’ sole discretion if, by way of example and not limitation, Acorns determines or suspects that there are indications of fraud, unauthorized activity, and/or a violation of the Program Agreement or these terms and conditions.

In the event Acorns determines at any time and in its sole discretion that there may have been (i) unauthorized or fraudulent activity related to any account; (ii) a violation of the Program Agreement or these terms and conditions; and/or (iii) that an Acorns User Account is otherwise not in Good Standing, whether or not in connection with the Promotion, Acorns, by and through any of its affiliated entities, further reserves the right to decline to grant any Reward Amount; and/or withhold, rescind, delay, liquidate, recapture, and/or claw back any Reward Shares already provided and any security or related dollar proceeds derived from such Reward Shares. Acorns reserves the right to request additional documentation for identity and/or bank account verification before issuing any payment, as reasonable under the circumstances.

Relationship to Program Agreement and Termination

Participation in this promotion remains at all times subject to the terms and conditions of the Program Agreement. This includes, without limitation, the “Dispute Resolution” Section (which includes without limitation your mandatory arbitration agreement); the “Liability” Section (which includes limitation of liability and indemnification provisions); and the “Miscellaneous” Section of the Program Agreement. These shall apply to this Promotion to the same extent as they apply to the Program Agreement. All Reward Shares credited to you under this Promotion are subject to the applicable terms and conditions of the Program Agreement relating to Reward Shares. To the limited extent the express terms and conditions of this Promotion and those of the Program Agreement directly conflict, this Promotion shall govern. Acorns reserves the right to change these terms and conditions; to terminate this promotion at any time with or without notice; and/or to modify these terms by posting the same to the Acorns Website. This promotion is not transferable, saleable, or valid in conjunction with certain other offers.

Important Risk Disclosures and Additional Information

This promotion is a limited time offer. There is no cash value equivalent and there is no option for a cash alternative to this promotion. Reward Shares are made at the sole discretion of Acorns. Acorns reserves the right to restrict or revoke any and all offers at any time. Investing involves risk including the loss of principal. Investment advisory services provided 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 FINRA/SIPC. SIPC protection covers certain assets held in an account of up to $500,000 (inclusive of cash claims, which are limited to $250,000) in the event of certain broker dealer insolvency events. SIPC protection does not protect against losses due to market fluctuations or other types of loss. For details, please see www.sipc.org. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Past performance is not a guarantee of future results. Acorns is not responsible for any failure on your part to maintain your account in good standing or otherwise meet standards for qualifying for this promotion. “Acorns”, the Acorns logo, and “Invest the Change” are registered trademarks of Acorns Grow Incorporated. Acorns Visa™ debit cards are issued by nbkc and Lincoln Savings Bank, each members FDIC. Investments are not FDIC insured and may lose value. Copyright © 2025 Acorns and/or its affiliates.