Any order from your credentials is treated as yours, and sharing access is at your own risk
Any instruction or order given for your Account, including through the Platform or with your username or password, is treated as coming from you and fully authorized by you. Robinhood may, but need not, act on oral instructions it reasonably believes you gave. You authorize Robinhood to rely on instructions without further inquiry and agree it is not liable for doing so. You agree not to allow anyone access to your Account, username or password, or let anyone else give orders, without Robinhood's prior consent. If another person has access to your Account, Device, username or password, that is solely at your risk. Robinhood may execute your orders on any exchange or market.
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Any instruction or order given for your Account, including via the Platform or using your Account username or password, will be treated as being from you and fully authorized by you.
Robinhood shall be entitled (but not required) to act upon any oral instructions given by you so long as Robinhood reasonably believes such instruction was actually given by you
agree that Robinhood will not be liable for doing so
You agree not to allow any person access to your Account, your Account username or password, or permit any other person to give orders or instructions on your Account to Robinhood, without the prior consent of Robinhood.
that is solely at your own risk
Qualifications & exceptions
Oral instructions: Robinhood is entitled but not required to act, and only if it reasonably believes you gave them.
Security & Safeguards · Restriction or exception
You may not let others access your Account without consent, but using an AI agent under Section 29 is not restricted
You agree not to let anyone access your Account, username or password, or give orders or instructions on your Account, without Robinhood's prior consent. This restriction does not limit your use of an AI agent in accordance with Section 29. Section 29.8 is headed "Use of AI Agents" and defines "AI agent" as software using artificial intelligence to view Account information or place orders in your Account, through an API Product or within the Robinhood app.
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You agree not to allow any person access to your Account, or your Account username or password, or permit any other person to give orders or instructions on your Account to Robinhood, without the prior consent of Robinhood.
This Section does not restrict your use of an AI agent in accordance with Section 29.
an "AI agent" means software that uses artificial intelligence to view Account information or to place orders in your Account, whether you access that software through an API Product or within the Robinhood app
Qualifications & exceptions
The AI agent carve-out applies only to use "in accordance with Section 29".
Security & Safeguards · Restriction or exception
You alone must safeguard your credentials and Devices; compromise can mean third-party access
To set up and access your Account you will create or be given security details such as a username and password. You are solely responsible for monitoring and safeguarding your Account and access, for keeping your username, password and other Account details safe and secret at all times, and for the safety of any device you use (a "Device"), including taking all reasonable steps against loss, theft or misuse, such as using passcodes or biometric login. Loss or compromise of your Device, email account, username, password or other security details may result in unauthorized access to your Account by third parties.
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You are solely responsible for monitoring and safeguarding your Account and access to your Account.
This includes taking all reasonable steps to avoid the loss, theft, or misuse of such Device
Any loss or compromise of your Device, your email account, your Account username or password, or other security details, may result in unauthorized access to your Account by third parties.
Security & Safeguards · Restriction or exception
You must notify Robinhood within 24 hours of any Potential Fraudulent Event
You must notify Robinhood immediately and in any event within 24 hours if you become aware of: loss, theft or unauthorized use of your Account, credentials or Device; failure to receive an Account communication such as an order confirmation or statement; receipt of an Account communication you do not recognize; inaccurate information about your orders, trades, margin status, balances, deposits, withdrawals, positions or history; a security notification of an event you do not recognize; or any other unauthorized use or access. Each such event is a "Potential Fraudulent Event".
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You agree to immediately notify Robinhood immediately and in any event within 24 hours if you become aware of
any failure by you to receive any Account communication such as confirmation of an order or a statement
Each of the events described in (i)-(vi) of this clause will be a “Potential Fraudulent Event”.
Qualifications & exceptions
The 24-hour limit applies from when you become aware of the event.
Security & Safeguards · Restriction or exception
You must report, cooperate, allow device and network access, and indemnify Robinhood for Potential Fraudulent Events
When Robinhood asks, you must report any Potential Fraudulent Event promptly to legal authorities and give Robinhood a copy of their report. You must cooperate fully with the authorities and Robinhood in any investigation and complete required affidavits promptly, accurately and thoroughly. You agree to let Robinhood access your Device and network in connection with its investigation. Failing to do these things may cause delays in regaining access to funds in your Account. You agree to indemnify and hold harmless Robinhood, its Affiliates and their officers, directors and employees from Losses arising out of or relating to any Potential Fraudulent Event.
Supporting quotations
Upon request by Robinhood, you agree to report any Potential Fraudulent Event promptly to legal authorities and provide Robinhood a copy of any report prepared by such legal authorities.
You agree to allow Robinhood access to your Device, and your network in connection with Robinhood’s investigation of any Potential Fraudulent Event.
if you fail to do any of these things, you may encounter delays in regaining access to the funds in your Account
You agree to indemnify and hold Robinhood, its Affiliates, and their respective officers, directors, and employees harmless from and against any Losses arising out of or relating to any Potential Fraudulent Event.
Qualifications & exceptions
Reporting to authorities is required "upon request by Robinhood".
The indemnity covers Losses arising out of or relating to any Potential Fraudulent Event, not only those you caused.
Security & Safeguards · Restriction or exception
API Licensee security may be weaker than Robinhood's, and their end user agreements are with them, not Robinhood
By using API Products you acknowledge they may use security, policies, procedures and systems of API Licensees that may or may not be less stringent and secure than Robinhood's. Your use of API Products is subject to the Agreement in addition to any other agreements you signed about them. Any end user agreement with an API Licensee is between you and that Licensee only, not Robinhood, and the Licensee, not Robinhood, is solely responsible for its Licensee Product and its content.
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such API Products may employ security, policies, procedures, and systems of API Licensees which may or may not be less stringent and secure than Robinhood’s
You agree that your use of any API Products shall be subject to this Agreement, in addition to any other agreements which you executed with respect to any such API Products.
any end user agreement that you executed with any API Licensee is concluded between you and such API Licensee only, and not with Robinhood; and such API Licensee, not Robinhood, is solely responsible for such Licensee Product and the content thereof
Qualifications & exceptions
Your use of API Products remains subject to the Agreement in addition to other agreements.
Security & Safeguards · Context
External AI agents can place real trades and see your portfolio, and API keys are sensitive credentials
The Agreement warns that external AI agents can place real trades and access your portfolio. If you are given API keys you should treat them as sensitive credentials.
Supporting quotations
External AI agents can place real trades and access your portfolio. If you are provided an API key(s), you should treat your API key(s) as sensitive credentials.
Security & Safeguards · Restriction or exception
Do not send confidential details by unencrypted email; you hold Robinhood harmless for third-party access
You acknowledge the Internet is not a secure network and agree not to send confidential information, including account numbers or passwords, in unencrypted emails. You understand communications over the Internet may be accessed by unauthorized or unintended third parties, and you agree to hold Robinhood, its Affiliates and their officers and employees harmless for any such access regardless of the cause.
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you will not send any confidential information, including Account numbers or passwords, in any unencrypted emails
communications transmitted over the Internet may be accessed by unauthorized or unintended third parties and agree to hold Robinhood, its Affiliates, and Robinhood and its Affiliates’ respective officers and employees harmless for any such access regardless of the cause
Qualifications & exceptions
The hold-harmless applies "regardless of the cause".
Security & Safeguards · Restriction or exception
Report unauthorized EFTs at once; delay beyond 60 days after a statement may cost you money you could have kept
You must tell Robinhood at once if you believe an electronic fund transfer was made without your permission; telephoning is best, and you could lose all the Available Funds in your Account. If your statement shows transfers you did not make, tell Robinhood at once. If you do not tell it within 60 days after the statement was mailed or otherwise made available, you may not get back money lost after the 60 days if Robinhood can prove it could have stopped the loss had you told it in time. If a good reason, such as a long trip or hospital stay, kept you from telling it, the time periods are extended.
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Tell us AT ONCE if you believe that an electronic fund transfer has been made without your permission.
You could lose all the Available Funds in your Account.
If you do not tell us within 60 days after the statement was mailed to you, or otherwise made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.
If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
Qualifications & exceptions
The 60-day consequence applies only if Robinhood can prove it could have stopped the loss had you told it in time.
Time periods are extended for a good reason such as a long trip or hospital stay.
Security & Safeguards · Procedure
Report unauthorized transfers by phone, support site, email or mail to Robinhood's Menlo Park address
If you believe a transfer was made without your permission you should call 888-275-8523, visit support.robinhood.com, email help@robinhood.com or write to Robinhood at 85 Willow Road, Menlo Park, CA 94025.
Supporting quotations
You should call 888-275-8523, visit support.robinhood.com, email us at help@robinhood.com or write to us at Robinhood at 85 Willow Road, Menlo Park, CA 94025 if you believe a transfer has been made without your permission.