Providing the most secure service is our top priority

Security & Privacy

We use the strongest browser encryption available, store all of our data on servers in a secure facility, and implement systematic processes and procedures for securing and storing data.

We protect the privacy of your information and will never share your data with any third party without your permission. For more information, please review our Privacy Policy.

Advanced Login Protection

With Two-Factor Authentication, Betterment provides a second layer of security beyond your password to access your Betterment account.

App Passwords allow you to take advantage of the benefits of third-party personal finance applications, while minimizing the risk of potentially unwarranted access to your Betterment account.

Fraud Assistance

We are committed to protecting your account from unauthorized activity. We will work to recover any loss that results from unauthorized use of your Betterment account.1 If you see any unauthorized activity in your account, report it immediately. Do not share your account information or password with anyone else. Learn more.

1 Applies only to transactions covered under the federal Electronic Fund Transfer Act, and requires that you notify us within 60 days of the unauthorized transaction and that you have exercised appropriate account safeguarding practices and have complied with your responsibilities as set forth in the Betterment account agreement and disclosures.

Account Protection

Member of SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at

Qualified Custodian

Few institutions are granted this privilege and so Betterment is subject to strict capital requirements and regulatory oversight. Other firms are merely 'introducing brokers' – they rely on third parties you don’t really know to actually look after your investments. With Betterment, the only company you ever deal with is Betterment. Learn more.

Complete Transparency

A key difference between Betterment and many other portfolio managers is the level of transparency we provide our customers. On any day, after any trade, we disclose the precise number of shares of every ETF in which you’re invested – many portfolio and fund managers do not openly share this information with clients.

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Need to report a security problem?

If you would like to disclose a security issue affecting Betterment or our customers, please email us at (PGP public key).