2025 Influencer Bonus Terms & Conditions

This offer is only available to existing marketing partners (“you” or “Partner”), defined as an individual or entity who has signed Betterment’s Marketing Agreement (“Marketing Agreement”). Pursuant to the terms of the Marketing Agreement, Betterment may, from time to time, at its sole discretion, agree to remit to Partner certain one-time bonuses. If you receive a one-time cash bonus (a “Betterment Partner Bonus”), you understand and agree to these terms.

In order to qualify to receive the Betterment Partner Bonus, you must have one or more Betterment investing accounts (i.e., a taxable account or an individual retirement account (“IRA”)) or a Betterment Cash Reserve account (each, an “Account”). Betterment may, in its discretion, deposit a Betterment Partner Bonus in the amount of $250 into each Account that you have. The total amount you are eligible to receive through the Betterment Partner Bonus offer is $1,000.

In order to retain the Betterment Partner Bonus, you must keep a minimum balance in each Account equal to the total Betterment Partner Bonus received in that Account for all times during and one year after providing Services (as defined in the Marketing Agreement) to Betterment (such period, the “Minimum Balance Period”). If, for any reason, you withdraw or transfer some or all of the funds held in an Account such that the minimum balance is not met during the Minimum Balance Period, a fee will apply to the applicable withdrawal or transfer equal to the amount of the portion of the Betterment Partner Bonus that you are attempting to withdraw (the “Bonus Removal Fee”).

In addition, in the event that the Account in which you receive the Betterment Partner Bonus is subject to wrap fees, Betterment may, in its sole discretion, temporarily waive its wrap fee applicable to such Account for the first year of the Minimum Balance Period.

By agreeing to participate in the Betterment Partner Bonus, if you elect to deposit into an IRA, you, as a fiduciary to your IRA, understand and agree that the Bonus Removal Fee is a reasonable fee for Betterment’s services to your Account. By offering the Betterment Partner Bonus to Betterment IRAs, Betterment does not intend to provide the benefit of deferred compensation or to create an employee pension benefit plan under ERISA.

By accepting the Betterment Partner Bonus, you understand and agree that any testimonial you make regarding Betterment and Betterment accounts must reflect your actual experience with Betterment and your usage of such accounts. Moreover, you represent and warrant that you are not and have not been subject to any “Disqualification Events” under Rule 206(4)-1 of the Investment Advisers Act of 1940 (the “Advisers Act”) in the past 10 years.

Betterment processes and treats the Betterment Partner Bonus as interest earned by the Account for tax reporting purposes. The interest earned by an Account that is an IRA will not be subject to, or impact, the maximum annual dollar contribution limit or the maximum annual deductible amount. Betterment does not provide tax advice. Please consult a tax advisor.

This Betterment Partner Bonus is non-transferrable and is available to U.S. residents only. Betterment reserves the right to terminate this offer at any time for any reason, to limit the Betterment Partner Bonus you are eligible to receive, and to refuse or recover any Betterment Partner 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 and for additional information, including details on the deposit allocation methodology.