Grade A — Highly protective (score 93/100)
Acorns reserves the right to modify or terminate its 'Later Match' program at any time without notice, and imposes a four-year holding period for all match amounts.
Financial terms with broad unilateral change rights and forfeiture clauses.
Acorns Advisers reserves the right to change these terms and conditions and/or to terminate Later Match at any time with or without notice.
The company can alter or cancel the program at any time without providing any prior warning to the user.
Match Amounts will be forfeited and subject to recapture by Acorns Advisers if, within four (4) years from the Settlement Date: (i) any funds are removed from a User’s applicable Later Account; or (ii) the User downgrades to a Subscription Plan.
The bonus match is not yours to keep immediately; it is subject to a four-year clawback if you change your plan or withdraw your own money.
Acorns Advisers reserves the right to (i) decline to grant any Match Amount; and/or (ii) rescind or liquidate any Match Amount already provided and any security or related dollar proceeds derived from such Match Amount(s).
The company has broad discretion to take back bonuses already credited to your account if they decide your account is not in good standing.
By participating in Later Match, each User represents that none of Acorns Advisers... has recommended any rollover or transfer to any Later Account.
The company clarifies that this bonus program is not financial advice and does not constitute a recommendation to move your retirement funds.
Last reviewed 2026-08-06 under rubric v3.5.