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THE FINE PRINT OF ACORNS

 * Terms of Use
 * Wrap Fee Brochure
 * Accessibility Statement
 * Path to $1,000,000
 * Harvest Terms and Conditions
 * Harvest Privacy Policy
 * Gift Card Terms
 * Referral Promotion Terms
 * Program Agreement
 * Cricket Terms and Conditions
 * Privacy Policy
 * Important Disclosures
 * Acorns on Social Media
 * Referral Agreement
 * Business Continuity Plan
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 * Form CRS
 * Unaudited Statement of Financial Condition as of March 31, 2021
 * Audited Statement of Financial Condition as of September 30, 2020

IMPORTANT DISCLOSURES

Updated May 3, 2021

The Acorns’s application and website are operated by Acorns Advisers, LLC
(“Acorns Advisers”), 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 the 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 the application and
website content.

Acorns Advisers is federally-registered investment adviser and qualified to
conduct advisory business in all 50 states, the District of Columbia, Puerto
Rico, and the U.S. Virgin Islands. The Acorns Application and website, and
related investment advisory services, are only offered to United States legal
residents or citizens that currently reside in the United States. Exceptions are
made for active Armed Services personnel that maintain a U.S. address and are
temporarily overseas in connection with their service. Investment services are
offered only to persons within its respective jurisdiction, and are not
available to persons where provision of such products or services is
unauthorized. Any information provided on this site and within the application
is not intended for distribution to, or use by, any person or entity in any
jurisdiction or country where such distribution or use is contrary to local law
or regulation.

Acorns demand deposit bank accounts are established with Lincoln Savings Bank.
Each Acorns demand deposit bank account includes an Acorns Visa™ debit card,
which is issued by Lincoln Savings Bank. Application for and use of Acorns
demand deposit bank accounts is subject to the approval of Lincoln Savings Bank,
and subject to certain disclosures, terms, and conditions of Lincoln Savings
Bank.

Non-Deposit Products:

Investments described on this website are NOT FDIC INSURED nor are they insured
by any other governmental agency or instrumentality. Investments on this website
MAY LOSE VALUE and they are not obligations, guarantees and are NOT BANK
GUARANTEED.

Investment Risks:

All investments involve risk, including loss of principal. Any references to
past performance, regarding financial markets or otherwise, do not indicate or
guarantee future results. Forward-looking statements, including without
limitations investment outcomes and projections, are hypothetical and
educational in nature. The results of any hypothetical projections can and may
differ from actual investment results had the strategies been deployed in actual
securities accounts. Prospective investors should consult their own financial
and legal advisors about risks associated with securities and the suitability of
investing in such securities.

Investing in the bond market is subject to risks, including market, interest
rate, issuer, credit, inflation risk, and liquidity risk. The value of most
bonds and bond strategies are impacted by changes in interest rates. Bonds and
bond strategies with longer durations tend to be more sensitive and volatile
than those with shorter durations; bond prices generally fall as interest rates
rise, and the current low interest rate environment increases this risk. Current
reductions in bond counterparty capacity may contribute to decreased market
liquidity and increased price volatility. Bond investments may be worth more or
less than the original cost when redeemed.  Investing in the bond market is
subject to certain risks including the risk that fixed income securities will
decline in value because of changes in interest rates; the risk that fund shares
could trade at prices other than the net asset value; and the risk that the
manager's investment decisions might not produce the desired results. 

Equities may decline in value due to both real and perceived general market,
economic and industry conditions. Equities may decline in value due to both real
and perceived general market, economic and industry conditions.; the risk that
fund shares could trade at prices other than the net asset value; and the risk
that the manager's investment decisions might not produce the desired results.

Investing in foreign-denominated and/or -domiciled securities may involve
heightened risk due to currency fluctuations, and economic and political risks,
which may be enhanced in emerging markets.

Disclosures Related to Exchange Traded Funds:

Exchange Traded Funds (“ETF”) are afforded certain exemptions from the
Investment Company Act. The exemptions allow, among other things, for individual
shares to trade on the secondary market. Individual shares cannot be directly
purchased from or redeemed by the ETF. Purchases and redemptions directly with
ETFs are only accomplished through creation unit aggregations or “baskets” of
shares. Shares of an ETF are bought and sold at market price (not Net Asset
Value, “NAV”).

Acorns portfolios are subject to market risk since the value of the holdings
composing the portfolio are subject to change at any time. An investment in an
ETF, the securities composing the portfolios, involves risk, including the loss
of principal. Investment return, price, yield, and NAV will fluctuate with
changes in market, political, and other economic conditions. Investments may be
worth more or less than the original cost when redeemed. ETFs are subject to
secondary market trading risks.



Portfolio Themes:

Acorns offers investors the opportunity to invest in one of two separate themes
of portfolios of ETFs: The Acorns Core Portfolios (“Core”) or Acorns Sustainable
Portfolios (“Sustainable”) comprising Environmental, Societal and Governance
ETFs (“ESG”).  

The Sustainable portfolios include ETFs which hold companies that fall within
the ESG rules-based methodology used by MSCI, the benchmark index, to identify
industry leaders and laggards. ESG investing involves the inclusion of certain
non-financial elements - such as a company’s sustainability and ethics record -
into investment criteria.  Investing in the Sustainable portfolio provides an
opportunity to invest in ETFs that hold companies focused on environmental,
social or governance factors. By way of example, common factors accounted for
within ESG focused ETFs include focusing on companies that may be recognized in
the following categories, among others:  (Environmental) Greenhouse gas
emissions, deforestation, pollution; (Social) working conditions, animal
welfare, human rights; (Governance) corruption, board composition, executive
pay. 

Both the Core and Sustainable portfolios have target allocations of various
equity and/or fixed income ETFs, the allocation of each depends on the risk
profile associated with each portfolio underlying the Core and Sustainable
themes.     

Upon opening an Invest, Early, or Later account, a customer is prompted to
select whether they wish to invest in the Sustainable or Core themes portfolio
that corresponds with their suitability profile (effective May 2021).  Existing
account holders may, in most circumstances, also choose to switch from a Core
Portfolio to a Sustainable Portfolio. Importantly, there could be positive or
negative tax implications for switching: 1) to other portfolios that have more
or less risk within the Core Portfolios; 2) to other portfolios that have more
or less risk within the Sustainable Portfolios; 3) from the Core Portfolio to
the Sustainable Portfolio; 4) from the Sustainable Portfolio to the Core
Portfolio, among other changes.  Acorns strongly recommends that you consult
with a tax adviser before switching portfolios so as to identify potential tax
implications prior to making changes to your portfolio.

 

Risk Profiles:

Both the Core and Sustainable themes have portfolios that match various risk
profiles. The Core Portfolios are available at the following levels of risk
tolerance:  Conservative, Moderately Conservative, Moderate, Moderately
Aggressive, and Aggressive. The Sustainable Portfolios do not offer a
Conservative portfolio, but do offer the Moderately Conservative, Moderate,
Moderately Aggressive, and Aggressive portfolios. Acorns will recommend a
Portfolio based on information that you provide through your completed investor
suitability questionnaire.  Please ensure this information is always kept
current so that Acorns may allocate your investments accordingly.  We do not
offer any investments other than the Core and Sustainable Portfolios. Acorns
also does not permit customers to invest in the Core and Sustainable portfolios
at the same time. It is solely at the discretion of the customer to elect
between the Core and Sustainable portfolios that correspond with their personal
risk profile.   Shares of an ETF within the Core and Sustainable portfolios may
trade on an exchange at prices at, above, or below their most recent net asset
value (“NAV”). The NAV represents the value of each share’s portion of the ETF’s
underlying assets and cash at the end of the trading day. The trading prices of
an ETF's shares fluctuate continuously throughout the trading day based on
market supply and demand, which may not correlate to NAV. The trading prices of
an ETF's shares may differ significantly from NAV during periods of market
volatility, which may, among other factors, lead to the ETF’s shares trading at
a premium or discount to NAV.

Investment policies, management fees and other information can be found in the
individual ETF’s prospectus. Please read the prospectus carefully before you
invest.

Investors should consider the investment objectives, risks, charges and expenses
of each fund carefully before investing. This and other information are
contained in each Fund’s prospectus, which may be obtained by clicking on the
links below. Please read each prospectus carefully before you invest.

Core Portfolios May Contain the Following ETFs:

iShares Core S&P Mid-Cap ETF

(symbol:  IJH)

iShares Core S&P Small-Cap ETF

(symbol:  IJR)

iShares Core MSCI Total International Stock ETF

(symbol:  IXUS)

Vanguard 500 Index Fund ETF Shares

(symbol:  VOO)

iShares Core U.S. Aggregate Bond ETF

(symbol:  AGG)

iShares Core 1-5 Year USD Bond ETF

(symbol:  ISTB)

SPDR® Bloomberg Barclays 1-3 Month T-Bill ETF

(symbol:  BIL)

Goldman Sachs Access Treasury 0-1 Year ETF

(symbol:  GBIL)

iShares Ultra Short-Term Bond ETF

(symbol:  ICSH)

JPMorgan Ultra-Short Income ETF

(symbol:  JPST)

iShares Short Treasury Bond ETF

(symbol:  SHV)





ESG Portfolios May Contain the Following ETFs:

iShares ESG Aware MSCI USA ETF

(symbol:  ESGU)

iShares ESG Aware U.S. Aggregate Bond ETF 

(symbol:  EAGG)

iShares ESG Aware MSCI EM ETF  

(symbol:  ESGE)

iShares ESG Aware MSCI USA Small-Cap ETF 

(symbol:   ESML)

iShares ESG Aware 1-5 Year USD Corporate Bond ETF  

(symbol:  SUSB)

iShares ESG Aware MSCI EAFE ETF  

(symbol:  ESGD)

iShares 1-3 Year Treasury Bond ETF  

(symbol:  SHY)

iShares MSCI USA ESG Select ETF 

(symbol:  SUSA)

iShares U.S. Treasury Bond ETF 

(symbol:  GOVT)

iShares MBS ETF 

(symbol:  MBB)

iShares ESG Aware USD Corporate Bond ETF 

(symbol:  SUSC)

*as of May 3, 2021



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.

Website Subject to Change:

Acorns reserves the right to amend or revise any information or documents
contained on this website at any time without notice. The information and
documents contained on this website relate only to the dates indicated therein
and may not be accurate as of any subsequent date. Acorns does not undertake any
obligation or assume any responsibility to update any such information.

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 the use
of any information on this website.

See Acorns Social Media Terms and Conditions for additional information.

Please contact support@acorns.com for questions.

Check the background of Acorns Securities, LLC on FINRA’s BrokerCheck.

© 2021 Acorns Grow Incorporated. All Rights Reserved.



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© 2021 Acorns Grow Incorporated | 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-Ups® 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. If you do not maintain an adequate amount of funds in your funding source
sufficient to cover your Round-Ups® investments, you could incur overdraft fees
with your financial institution.  Only purchases made with a funding source
linked to your Acorns account with the feature active are eligible for the
Round- Ups® feature. 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 Acorns Earn rewards investments are made by Acorns
Grow, Inc. into your Acorns Invest account through a partnership Acorns Grow
maintains with each Acorns Earn 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 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.  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, Round-Ups,
Real-Time Round-Ups, 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. Use of them
does not imply any affiliation with or endorsement by them. Acorns reserves the
right to restrict or revoke any and all offers at any time.



Compounding, generally, is the growth of principal investments due to the
reinvestment of dividends without withdrawing funds from the account. Acorns
investment accounts do not pay interest, so the impact of compounding may be
limited. It is not an investing strategy and does not assure positive
performance nor does it protect against losses. It does not take into account
market volatility and fluctuations that will impact the value of any investment
account.



The ETFs 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 the prospectus carefully before you invest.



Acorns also offers an Acorns Checking deposit account. Acorns Checking accounts
are FDIC insured up to $250,000. Acorns Visa™ debit cards are issued by Lincoln
Savings Bank, member FDIC for Acorns Checking account holders.  "Save and
Invest" claim refers to a client's ability to utilize the Acorns Checking
Real-Time Round-up feature to invest small amounts of money from purchases made
using an Acorns Checking account, and seamlessly investing those small amounts
using an Acorns Investment account.  Requires both an active Acorns Checking
account and an Acorns Investment account in good standing.  Real-Time Round-Ups®
are accrued instantly for investment during the next trading window.



1 Early Payday depends on 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.



For additional important risks, disclosures and information, please visit
https://www.acorns.com/terms/

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