SDI Bonus Offer Terms & Conditions

These terms (the “Terms”) provide you with important information about the Betterment Self-Directed Investing Bonus (the “SDI Bonus”) offered by Betterment LLC (“Betterment”). By participating in the SDI Bonus, you understand and agree to these Terms.

To qualify for the SDI Bonus, you must (1) open a self-directed investing account (an “SDI Account”) on the Betterment platform, (2) claim the SDI Bonus offer by clicking on the offer link in your email [or within the Betterment app] by 11:59:59 PM ET on December 10, 2025 (the “Offer Period”), and (3) complete new deposits totaling at least $2,500 into your SDI Account by 11:59:59 PM ET on December 10, 2025 (a “Qualifying Deposit”), inclusive of the required settlement time (typically 2-3 business days). Deposits into Betterment Cash Reserve and transfers from Betterment Cash Reserve into an SDI Account are not eligible for the SDI Bonus. If you successfully enroll in the offer and you complete a Qualifying Deposit into an SDI Account, Betterment will provide an SDI Bonus of $100 into your SDI Account by December 15, 2025.

The SDI Bonus offer is unique to the account-holder associated with the email address receiving the offer, is non-transferrable, and is available to U.S. residents only. This offer is not valid with any other offers (including the Tiered Investing Reward) and is not available to Betterment Advisor Solutions clients nor Betterment employees.

The SDI Bonus is not a recommendation of any investment or investment strategy, not a recommendation to buy or sell any security, and is not a recommendation that a customer rollover or transfer assets into a Betterment SDI Account. By participating in the SDI Bonus, you represent that neither Betterment nor any Betterment affiliate has made a recommendation that you invest in or open a Betterment SDI Account, purchase or sell any security, or rollover or transfer assets to Betterment.

Betterment reserves the right to terminate this offer or limit the SDI Bonus you are eligible to receive at any time for any reason without notice, and to refuse or recover any SDI Bonus amount if Betterment determines that it was obtained under wrongful or fraudulent circumstances, that any rules or regulations would be violated, or that any terms of the Betterment Account Agreements have been violated.

See Betterment's Form ADV Part II for additional information, including details on the deposit allocation methodology.