Robinhood Financial Concierge Tax and Estate Agreement
READ THIS CONCIERGE TAX AND ESTATE PILOT AGREEMENT CAREFULLY.
BY CLICKING “I AGREE,” ENROLLING IN, OR USING THE CONCIERGE TAX AND ESTATE PILOT SERVICES, YOU AGREE TO BE BOUND BY THIS AGREEMENT. IF YOU DO NOT AGREE, DO NOT ENROLL OR USE THESE SERVICES.
This Robinhood Financial Concierge Tax and Estate Pilot Agreement (this “Agreement”) is between:
This Agreement supplements your existing Robinhood customer and account agreements. If there is a conflict between those agreements and this Agreement about the Pilot Services (defined in this agreement), this Agreement governs for the Pilot Services only.
2.1 Program Overview Under this Agreement, Robinhood makes available to eligible Concierge customers a limited pilot program that provides access to:
The Pilot Services are offered for a limited time, to a limited number of customers, and for evaluation purposes.
The Pilot Services are currently scheduled to be available to enrolled customers from on or about January 12, 2026 through April 15, 2026 (the “Pilot Period”), unless changed or ended in accordance with Section 9. The Pilot Period will begin for Robinhood customers once they complete the eligibility activity and accept these terms.
If the Robinhood app, your enrollment materials, or other disclosures show a different start date for the pilot, that information will be disclosed to you beforehand and control for your use of the Pilot Services.
Your access to Robinhood features is made available through the Pilot Services, including:
After that time, you may lose access within the Robinhood app to the Concierge Pilot hub and to any embedded or linked Pilot experiences, even if you still have a relationship directly with Taxfyle or Vanilla. Notwithstanding the previous sentence, you will retain access to your Taxfyle and Vanilla accounts directly through those platforms.
Your ability to initiate a new tax engagement with an independent tax professional through the Taxfyle platform via the Pilot Services is limited to:
After that window closes:
However, you may continue to access your Taxfyle account, prior returns, and any services you arrange directly with Taxfyle, if and as allowed under Taxfyle’s own terms.
Your ability to initiate a new estate planning engagement or to generate new estate planning documents through the Vanilla platform via the Pilot Services is limited to:
After that window closes:
However, you may continue to access your Vanilla account and any estate planning materials directly from Vanilla, if and as allowed under Vanilla’s own terms.
If the Pilot Period ends or your participation in the Pilot Services ends:
The Pilot Services may no longer surface that engagement inside the Robinhood app, and Robinhood has no obligation to maintain in-app access to Third-Party Provider services after the end of the Pilot Period.
Taxfyle, Vanilla, and any tax, accounting, legal, or estate planning professionals you work with through them (collectively, “Third-Party Providers”) are independent from Robinhood. They are not employees, agents, or representatives of Robinhood, and they provide services to you under their own contracts and terms.
Robinhood and its employees do not provide tax, legal, or estate planning services under this Agreement. Any such advice or services are provided solely by Third-Party Providers.
Your use of the Pilot Services is also governed by:
You are responsible for reviewing those additional terms before using the Pilot Services.
To enroll and remain in the Pilot Services, you must:
Robinhood may change eligibility criteria or decline enrollment in its discretion, as permitted by law.
You may be invited to enroll by in-app message, email, or other channel. To enroll, you must:
The Pilot Services are available only to a limited number of invited customers. Enrollment may be capped, and Robinhood may choose not to accept new participants once capacity is reached.
Through an embedded or linked Taxfyle experience within your Robinhood Concierge hub, you may:
The Pilot Services cover only returns that are initiated during the applicable Taxfyle access window (described in Section 2.4.1). The Pilot Services do not guarantee preparation or filing of prior year or future year returns.
Depending on your eligibility and the specific configuration of the Pilot Services, the Taxfyle experience may enable you to:
Any engagement for tax preparation, review, filing, or advice is between you and the independent tax professional or Taxfyle. That relationship is governed by the Taxfyle terms and any engagement letters or disclosures presented in the Taxfyle platform. Robinhood is not a party to that engagement.
Robinhood does not select, supervise, or control tax professionals, does not review or approve their work, and is not responsible for any acts, errors, or omissions of Taxfyle or any tax professional.
Through an embedded or linked Vanilla experience, you may:
Estate planning services available through the Pilot are limited to the estate planning engagement(s) you initiate during the Vanilla access window described in Section 2.4.2.
Depending on your eligibility and configuration, Vanilla may allow you to:
Any legal services or advice related to estate planning are provided by attorneys or other appropriate professionals, not by Robinhood. Any attorney-client relationship formed is solely between You and that attorney. Robinhood does not provide legal advice, does not act as your attorney, and does not review or approve your estate planning documents for legal sufficiency.
As part of the Pilot Services, you may be able to schedule time with a Robinhood financial professional “Robinhood Concierge Solution Manager,” such as a Certified Financial Planner™ professional, to help you understand how your tax and estate planning activities interact with your broader financial picture and your Robinhood accounts.
Any Robinhood Concierge Solution Manager support in connection with the Pilot Services is limited to general financial education and coordination. Robinhood advisors will not:
Your access to these Robinhood Concierge Solution Manager interactions in connection with the Pilot Services is limited to the Pilot Period.
You are solely responsible for:
You are responsible for:
You must comply with all applicable laws and all terms that apply to your Robinhood accounts, this Agreement, and the Taxfyle and Vanilla platforms. Robinhood may suspend or terminate your participation in the Pilot Services if you violate any of these terms.
By clicking “I agree” and enrolling in the Pilot Services, you authorize:
Robinhood may share information such as:
Robinhood may receive information such as:
Robinhood does not require full copies of your tax returns or estate planning documents from the Third-Party Providers, but may receive those documents if reasonably needed for the services you select and you provide consent for the Third-Party Providers to give Robinhood that information.
Robinhood will use your information in line with its Privacy Policy and disclosures, including to:
If you provide information regarding a spouse or other third party (e.g., for a joint tax return), you represent that you have obtained all necessary consents to share that information with Robinhood and the Third-Party Providers.
Taxfyle, Vanilla, and any Third-Party Providers will use and protect your information under their own privacy policies and terms of use. Robinhood is not responsible for their independent privacy or security practices. You should review their policies and terms before using their services.
You are in no way obligated to pay fees to Robinhood or the Third-Party Providers in exchange for receiving access to the Pilot Services.
Taxfyle and Vanilla will be compensated by Robinhood under separate agreements. Robinhood will subsidize the cost of the Pilot Services. You are not responsible for any amounts owed by Robinhood to Taxfyle or Vanilla.
You are responsible for any costs outside of the Pilot Services, including taxes owed and any separate fees you agree to pay to your own legal, tax, or financial professionals.
You may stop using the Pilot Services at any time by discontinuing use of the Taxfyle and Vanilla experiences or by contacting Robinhood support to request removal from the Pilot. Ending your participation in the Pilot Services will not by itself close your Robinhood accounts.
Robinhood may, at any time and as permitted by law:
with or without notice, subject to any notice obligations under applicable law.
If the Pilot Services are discontinued, the Pilot Period ends, or your participation ends:
The end of the Pilot Period does not by itself cancel any engagement you have directly with a Third-Party Provider.
Except as specifically provided in any separate written advisory agreement you may have with Robinhood, Robinhood does not provide tax, legal, or estate planning advice. Any such advice is provided solely by Third-Party Providers.
Neither Robinhood nor any Third-Party Provider guarantees:
To the fullest extent permitted by law, Robinhood is not responsible for:
Any claims related to professional services must be directed to the applicable Third-Party Provider.
The Pilot Services, and the Taxfyle and Vanilla platforms, may be unavailable or experience interruptions or delays. Robinhood is not liable for any unavailability, interruptions, or data loss arising from such issues, except as required by law.
The pre-dispute arbitration and class action waiver provisions in your RHF-RHS Customer Agreement apply to this Agreement and your use of the Pilot Services. In addition, to the fullest extent permitted by law, Robinhood will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any lost profits or opportunities, arising out of or relating to the Pilot Services, even if advised of the possibility of such damages.
This Agreement is governed by the same law that governs your primary Robinhood customer agreement for your brokerage account, without regard to conflict of laws rules.
This Agreement supplements, and does not replace, your other agreements with Robinhood. Together with those agreements and the applicable Taxfyle, Vanilla, and Third-Party Provider terms, this Agreement contains the entire understanding regarding the Pilot Services. If there is a conflict about the Pilot Services between this Agreement and another Robinhood agreement, this Agreement will control the Pilot Services.
Robinhood may update this Agreement. Updated terms will be provided to you in the app or through other appropriate means. If you continue to use the Pilot Services after changes become effective, you are deemed to accept the updated Agreement.
You agree that:
If you have questions about this Agreement or the Pilot Services, contact us.
Robinhood Financial LLC (“Robinhood”) Concierge Pilot ACATS Bonus Offer (the “Bonus Offer”) is subject to these Terms and Conditions (“Terms”). These Terms apply only to the taxable brokerage ACATS promotion described here, and not to any retirement-related promotion. These Terms supplement the Robinhood Financial Concierge Tax and Estate Agreement (the “Pilot Agreement”) and supersede any terms in the Pilot Agreement that conflict with these Terms.
This Bonus Offer applies only to Automated Customer Account Transfer Service (“ACATS”) transfers into an eligible taxable Robinhood brokerage account for Robinhood customers who are eligible to join the Robinhood Concierge Tax and Estate Pilot (“Concierge Pilot”) and successfully meet the requirements of Terms (“Pilot Customers”). Pilot Customers may also be eligible for other promotions such as the Robinhood Gold IRA Transfer Bonus, Robinhood Match, and/or the Robinhood Transfer Bonus. If a Pilot Customer is eligible for another Robinhood promotion that applies to the same transfer activity, Robinhood may apply offer eligibility and bonus and/or match calculations using its promotion infrastructure and will honor the higher promotional rate where applicable, as determined by Robinhood in its reasonable discretion.
You are eligible for this Bonus Offer only if Robinhood determines that you meet all of the following:
Robinhood customers with restricted or deactivated accounts, or account restrictions, may be ineligible. Robinhood may decline enrollment at its discretion.
For eligible Pilot Customers who initiate an ACATS transfer within the Offer Period that successfully settles, Robinhood will credit the Bonus to the customer’s Brokerage Account, subject to the earn-out and chargeback terms described in these Terms.
The Bonus will be deposited into the customer’s Brokerage Account approximately two (2) weeks from when the customer’s eligible ACATS transfer settles. Transferred assets are eligible only if initiated during the Offer Period and successfully settle. Assets that are rejected or that do not settle are not eligible.
The amount of the Bonus is calculated based on the Net Transferred Asset Value, using the National Market System (NMS) closing price of each position transferred into the account on the trading day before the transfer settles. If a position does not have an NMS closing price, Robinhood will use a reasonable valuation method as determined by Robinhood. Settlement is deemed to occur when the securities are posted to the account and available to trade.
If a customer’s transfer results in a Bonus amount that includes a fraction of a cent, the Bonus is calculated to four (4) decimal points, and Robinhood will credit the Bonus once the accrued amount reaches the next whole cent increment.
For five (5) years after a Bonus is credited, if a customer makes a Withdrawal from the Robinhood Platform, Robinhood will determine whether a chargeback applies based on the portion of the Withdrawal that is treated as removing “Bonus-Eligible Amounts.” For purposes of this determination, Robinhood will treat the Withdrawal amount as applied in the following order: (i) amounts in the Brokerage Account that did not receive a bonus or match (if any), then (ii) net investment gains in the Brokerage Account (if any), and then (iii) Bonus-Eligible Amounts. A chargeback applies only to the extent the Withdrawal is treated as removing Bonus-Eligible Amounts under clause (iii).
The chargeback amount will be calculated by applying the applicable Bonus Rate(s) to the portion of the Withdrawal treated as removing Bonus-Eligible Amounts under clause (iii), using a first-in, first-out approach based on when the customer’s bonuses were credited.
Chargebacks are deducted from available cash. If a customer has insufficient available cash to cover a chargeback, the amount may be debited from an outgoing financial institution or added to a margin balance, if applicable. If a chargeback applies, Robinhood will deduct the chargeback amount at the time of the Withdrawal (or as soon as practicable thereafter). By accepting these Terms, the customer directs Robinhood to collect any chargeback by deducting available cash, debiting an outgoing financial institution, or adding the amount to a margin balance, if applicable.
After maintaining the Net Transferred Asset Value plus the Bonus amount received for at least ninety (90) consecutive days, customers will be eligible to take advantage of a one-time, optional sixty (60)-day grace period (“Grace Period”) during which Withdrawals will be permitted without the consequence of a chargeback at that time, provided the Bonus is frozen as described below.
The Grace Period is not available for ACATS transfers out. During the Grace Period, the portion of the customer’s received Bonus amount that remains subject to chargeback will be frozen and will not be able to be used until the withdrawn funds are returned to the Brokerage Account. If the withdrawn amount is not returned by the end of the Grace Period, Robinhood will apply a chargeback under Section 7 at the end of the Grace Period. For the purposes of this Section, “returned” means additional deposits or transfers into the Brokerage Account in an amount at least equal to the amount withdrawn during the Grace Period (net of any market movements), as reflected in Robinhood’s systems.
An ACATS transfer in a Joint Account is considered initiated when both account holders have consented, and to be eligible, both consents must occur during the Offer Period.
If you are eligible for another Robinhood promotion that applies to the same transfer activity, Robinhood may apply offer eligibility and bonus calculations using its promotion infrastructure and will apply the higher promotional rate where applicable, as determined by Robinhood in its reasonable discretion.
If Robinhood determines in its sole discretion that there may have been fraudulent activity or a violation of these Terms in connection with the Bonus Offer, Robinhood reserves the right to decline to grant the Bonus, or to rescind or liquidate the Bonus (or any security or any related dollar proceeds derived from the Bonus). Crediting may be delayed in Robinhood’s sole discretion if, for example, Robinhood determines that there are indications of fraud or a violation of these Terms.
The Bonus Offer is not a recommendation of any investment or investment strategy, and is not a recommendation that a customer transfer assets into a Brokerage Account.
Robinhood reserves the right to change these Terms or terminate the Bonus Offer at any time without notice. Robinhood may refuse to grant the Bonus to transfers that it cannot verify were initiated prior to the end of the Offer Period. The Bonus Offer is not transferable, saleable, or valid in conjunction with certain other offers and is available to U.S. residents only. The Bonus Offer is only available for personal use and may not be used for commercial purposes.
Consult with your tax advisor about the appropriate tax treatment for this offer and any tax implications associated with receipt of a cash reward before enrolling. For taxable accounts, the value of Robinhood offers received or charged back may be reported on applicable 1099 forms where required by rules and regulations. Robinhood does not take responsibility for any tax related to this cash bonus.
Securities trading offered through Robinhood Financial LLC, member SIPC, a registered broker dealer, and a subsidiary of Robinhood Markets, Inc.
These Referral Exception Terms describe a limited, invitation-only path for certain existing Robinhood Concierge (“Concierge”) customers to be considered for access to the Concierge Services Tax and Estate Planning Pilot (“Pilot”) by referring a new prospective customer. The Pilot is governed by the Robinhood Financial Concierge Tax and Estate Agreement, and those control if anything here conflicts.
If you’re a current Concierge customer but do not have sufficient assets to meet the Pilot’s usual incremental funding requirement, Robinhood may offer you a “referral exception.”
To be credited, your referred friend (the “Referral Candidate”) must submit the Concierge Services intake form from the Concierge landing page and include your Robinhood App User ID or email address in the referral field (or any other Robinhood-designated intake field for referrals). Referral attribution will be tracked internally based on intake submission details and our verification process, and we may decline to attribute a referral if required information is missing or cannot be confirmed.
For the referral to qualify under this exception, the Referral Candidate must complete intake and transfer enough assets to meet the requirements of the Pilot, which for this Pilot means having $1,000,000 or more in eligible assets at Robinhood with at least $500,000 of that being net new assets to Robinhood (meaning assets newly deposited or transferred in from outside Robinhood) deposited prior to March 15, 2025. We may apply a reasonable verification period to confirm transfers and eligibility. Capacity permitting, Concierge customers who receive this offer and meet its terms will be permitted to access the Pilot.
This is a limited Pilot exception, not an ongoing referral program, and it’s subject to eligibility review, verification, and availability. Spots are limited and we may stop offering or honoring referral exceptions once capacity is reached, or modify or end the pilot or this exception at any time as permitted by law.
Concierge services do not include personalized investment advice. Robinhood’s internal records and determinations control referral attribution, eligibility, and whether the thresholds above are met, and we may disqualify referrals or exceptions we believe are fraudulent or intended to circumvent eligibility requirements.