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Terms and Conditions for Betterment at Work

Updated: November 18, 2024

Betterment.com/work is operated by Betterment for Business LLC. You can also see Terms and Conditions for Betterment.com, which is operated by Betterment LLC, an SEC Registered Investment Advisor.

For purposes of this Terms and Conditions page alone, the term “Betterment” refers collectively to Betterment LLC, Betterment Securities, Betterment for Business LLC, their respective affiliates, and their partners.

By using this website, you agree to these Terms and Conditions. Betterment’s services to participants in 401(k) plans are also governed by the 401(k) Participant Terms and Conditions to which participants agree before accessing their accounts.

Trademarks

We work hard to make sure our goods and services are easily recognizable. We do this by associating our goods and services with our trademarks and trade dress (“Mark” or collectively “Marks”). This is why our Marks cannot be used in any manner that is deceptive or disparaging, or in connection with any product or service that is not ours. Without our prior written consent, using a Mark constitutes trademark infringement and unfair competition in violation of federal and state laws.

The following is a non-exhaustive list of our Marks. The absence of a product or service name or logo from this list does not constitute a waiver of trademark or other intellectual property rights.

  • Betterment®
  • Betterment Institutional℠
  • Betterment at Work℠
  • Betterment Speedometer℠
  • Fred Illustrations℠
  • Investing Made Better®
  • RetireGuide™
  • Tax Loss Harvesting+™
  • TLH+™

For more information on how to use our Marks contact legal@betterment.com

Copyright and Other Intellectual Property

Betterment maintains the Website, and is the owner or the authorized user of all text, images, graphics, photos, animation, music, sounds and other materials contained within the Website. The materials contained within the Website, including, without limitation, any copyrights, trademarks, service marks, and all other proprietary materials, are protected by the U.S. and international copyright laws and treaty provisions, trademarks laws, and other proprietary rights laws. Betterment also owns a copyright in the selection, coordination and arrangement of the material contained within the Website.

The material contained within the Websites is provided by Betterment only for lawful uses by customers, Betterment employees, and members of the general public. The material may not be copied, republished, incorporated into another website or reproduced (whether by linking, framing, or any other method), transmitted, distributed, uploaded, posted, used to create a derivative work or exploited in any other way without the express written consent of Betterment.

Digital Millennium Copyright Act

Betterment respects the intellectual property rights of others and expects its users to do the same. Pursuant to the Digital Millennium Copyright Act of 1998 (the “DMCA”), Betterment will respond expeditiously to notices of alleged copyright infringement on the betterment.com and bettermentinstitutional.com websites (the “Sites”) that are reported to Betterment’s Designated Copyright Agent identified in the Notice (as described below).

Betterment prohibits copyright infringing activities on the Sites and will, if properly notified of infringing files, expeditiously remove or disable access to such files. Upon receipt of the Notice, Betterment will take whatever action, in its sole discretion, it deems appropriate, including removing or disabling access to the material without prior notice, to the extent it is technologically possible given the nature of the Sites.

Notice: If you are a copyright owner, or agent thereof, please report alleged copyright infringements taking place on or through the Sites or other Betterment services by completing a DMCA notice of alleged infringement (“Notice”) and delivering it to Betterment’s Designated Copyright Agent. Upon receipt of a Notice, Betterment will take whatever action, in its sole discretion, it deems appropriate, including removal of the challenged content from the Sites.

Counter notice: Once an appropriate Notice is received, Betterment will follow the procedures provided in the DMCA, which set forth a notice and takedown process, subject to the alleged infringer’s right to submit a counter-notification claiming lawful use of the copyright or other intellectual property interest that is allegedly infringed. Please note that any Notices or counter notices received may be sent to Betterment’s legal advisors.

Please provide the following information to our Designated Copyright Agent:

  • Identify the copyrighted work claimed to have been infringed, or, if multiple copyrighted works on the Sites are covered by this Notice, a representative list of the copyrighted works that are claimed to have been infringed.
  • Identify the material or activity claimed to be infringing or to be the subject of infringing activity and provide information reasonably sufficient to locate the material, including, at minimum, if applicable, the URL.
  • Provide information reasonably sufficient to permit us to contact you, such as a mailing address, telephone number, and, if available, e-mail address.
  • Include both of the following statements in the body of the Notice:
    “I hereby state that I have a good faith belief that the disputed use of the copyrighted material or reference or link to such material is not authorized by the copyright owner, its agent, or the law (e.g., as a fair use).”
    “I hereby state that the information in this Notice is accurate and, under penalty of perjury, that I am the owner, or authorized to act on behalf of the owner, of the copyright or of an exclusive right under the copyright that is allegedly infringed.”
  • Sign the Notice by providing a physical or electronic signature along with your full legal name.
  • Deliver this Notice, with all items completed, to Betterment’s Designated Copyright Agent:

Legal Department, Designated Copyright Agent
8 West 24th Street, 6th Floor
New York, NY 10010
legal@betterment.com

Links

Clicking on certain links within the Website or certain other websites that are linked to the Website may take you to other websites, or may display information on your computer screen from other websites, which may not be maintained by Betterment. Such websites may contain terms and conditions, privacy provisions, confidentiality provisions, or other provisions that differ from the terms and conditions applicable to the Website. Links to other Internet services and websites are provided solely for the convenience of users. A link to any service or website is not an endorsement of any kind of the service or website, its content, or its sponsoring organization.

Betterment assumes no responsibility or liability whatsoever for the content, accuracy, reliability or opinions expressed in a website, to which the website is linked (a “linked website”) and such linked websites are not monitored, investigated, or checked for accuracy or completeness by Betterment. It is your responsibility to evaluate the accuracy, reliability, timeliness and completeness of any information available on a linked website. All products, services and content obtained from a linked website are provided “as is” without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, or accuracy.

Limited Liability

Neither Betterment nor any other party involved in the creation, production or delivery of the information at the website, nor the officers, directors, employees or representatives of Betterment, are liable in any way for any indirect, special, punitive, consequential, or indirect damages (including without limitation lost profits, cost of procuring substitute service or lost opportunity) arising out of or in connection with the website or the use of the website or a linked website or with the delay or inability to use the website or a linked website, whether or not Betterment is made aware of the possibility of such damages. This limitation includes, but is not limited to, the transmission of any viruses, data or harmful code that may affect your equipment or anyone else’s equipment, any incompatibility between the website’s files and your browser or other website accessing program, or any failure of any electronic or telephone equipment, communication or connection lines, unauthorized access, theft, operator errors, or any force majeure. Betterment does not guarantee continuous, uninterrupted or secure access to the website or a linked website. The content, accuracy, opinions expressed, and other links provided by linked websites are not necessarily investigated, verified, monitored or endorsed by Betterment. The information, software, products and description of services published on the website or a linked website may include inaccuracies or typographical errors, and betterment specifically disclaims any liability for such inaccuracies or errors. Changes are periodically made to the information on the website and linked websites. Betterment may make improvements or changes to the website at any time.

No Warranties

All products, services and content on the website are provided “as is” without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, or accuracy. It is your responsibility to evaluate the accuracy, reliability, timeliness and completeness of any information available on the website.

You agree to indemnify, defend, and hold Betterment harmless from any liability, loss, claim and expense, including attorney’s fees related to your violation of these terms of use or the use of the services and information provided at the website.

Confidentiality of Information

Betterment has taken reasonable steps to ensure the confidentiality of information taken at the Website and transmitted via the Internet. However, unexpected changes in technology may be used by unauthorized third parties to intercept confidential information and we cannot be responsible should confidential information be intercepted and subsequently used by an unintended recipient.

Please read our customer Privacy Policy for further information on confidentiality of information.

Choice of Law

All Website activity or use and these Terms and Conditions are governed by the laws of the United States of America and the applicable laws of the State of Delaware, without regard to conflict of law principles. You agree that the federal court of the District of Delaware, if it has subject matter jurisdiction, will have exclusive jurisdiction to hear and determine any claims or disputes between you and Betterment, pertaining directly or indirectly to these Terms and Conditions, or to any matter arising from these Terms and Conditions, or any other document executed and delivered in connection with these Terms and Conditions, the use of the Website or the online services offered by Betterment. If the federal court lacks subject matter jurisdiction, any state court located in New Castle County, Delaware, will have exclusive jurisdiction to hear and determine such claims or disputes. To the fullest extent permitted by applicable state and federal law, you and Betterment each agree to waive the constitutional right to a trial before a jury. All disputes and controversies and claims arising out of the use of the Website will be resolved either through arbitration or in the courts.

Website Content and Material

The information and materials contained in the Website, including but not limited to these Terms and Conditions and any product information, are subject to change without notice. Betterment periodically will make updates and changes to information and material contained in the Website, and you are responsible for checking the Website for any changes. Your continued use of Betterment’s services will constitute acceptance of any such changes. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance by us.

Waiver and Severability

Any waiver of any provision contained in these Terms and Conditions shall not be deemed to be a waiver of any other right, term or provision of these Terms and Conditions. If any provision in these Terms and Conditions shall be or become wholly or partially invalid, illegal or unenforceable, such provision shall be enforced to the extent it is legal and valid and the validity, legality and enforceability of the remaining provisions shall in no way be affected or impaired thereby.

Access and Interference

You agree not to engage in any of the following:

Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Website or any portion of the Website, without Betterment’s express written consent, which may be withheld in Betterment’s sole discretion.

Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Website, other than the search engines and search agents available through the Website and other than generally available third-party web browsers (such as Microsoft Explorer).

Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interfere with the proper working of the Website.

Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Website.

Secured Areas

Access to and use of password protected and/or secure areas of the Website is restricted to authorized users only. Unauthorized persons attempting to access these areas of the website may be subject to prosecution.

Telephone Call Monitoring and Recording

Authorized employees or agents of Betterment may monitor and record all or portions of your telephone calls to Betterment for quality control, customer service, employee training, security, legal compliance, and other lawful purposes. Your consent will be ongoing and need not be confirmed prior to, or during such monitoring or recording, except to the extent applicable law expressly requires otherwise.

Electronic Communications

The Website provides you Betterment e-mail addresses so that you may communicate electronically by sending an e-mail message to Betterment. All e-mail sent to and from Betterment will be received or otherwise recorded by the Betterment corporate e-mail system and is subject to archival, monitoring or review by and/or disclosure to, someone other than the recipient. Communications through the website may involve the electronic transmission, to any e-mail address you provided to us, of information that you may consider to be personal financial information and you agree and consent to such transmission of such information. You agree not to use e-mail to transmit any confidential personal information. It is your responsibility to update or change your e-mail address, as appropriate.