Fruitful
Legal
Documents
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Fruitful Membership
Member Referral Program ↗
Information about our Member Referral Program benefits.
One Month Risk-Free Money Back Guarantee ↗
Learn about our risk-free money back guarantee.
Fruitful Banking
Fruitful High Yield Savings Deposit Account Agreement ↗
These are the terms you agree to when opening a Fruitful high-yield savings account.
Fruitful High Yield Savings Reg DD Disclosure ↗
This provides details on the terms of the Fruitful High Yield Savings account and associated rates held at our sponsor bank, Emigrant Bank, Member FDIC.
ACH Authorization ↗
This authorizes Fruitful to link to external bank accounts to facilitate moving funds.
Emigrant Bank Privacy Notice ↗
Important information about how our sponsor bank, Emigrant Bank, Member FDIC, collects, shares, and protects your personal information.
Fruitful Privacy Notice ↗
Important information about how Fruitful Financial, LLC collects, shares, and protects your personal information.
Fruitful Cash Deposit Account Agreement ↗
These are the terms you agree to when opening a Fruitful Cash Account.
Fruitful Secured Charge Card Agreement ↗
These are the terms you agree to when opening a Fruitful Card.
Fruitful Guidance
Fruitful Inc Form ADV Part 2 Brochure ↗
This is a narrative description of Fruitful’s investment advisory firm, including details about our products and services.
Form CRS Client Relationship Summary ↗
This is a summary of our investment services, features, fees, and costs, as well as helpful conversation starters.
IM Client Agreement ↗
These are the terms you accept to open and maintain Fruitful investment management accounts and related services.
APEX Custodial Agreement ↗
These are the terms, rights, and policies associated with your investment management accounts held at Fruitful’s custodial partner, Apex Clearing.
Investment Advisory Agreement ↗
This agreement defines the investment advisory relationship between you and Fruitful Advisory, LLC
General
Fruitful Terms of Service ↗
These are the general terms of service, setting out the rules and guidelines for using our site and membership details.
Privacy Policy ↗
How Fruitful Inc. handles your personal information and details on your privacy rights and responsibilities.
Fruitful E-Sign Agreement ↗
This outlines the requirement for electronic consent, and your rights and protections regarding electronic communications.
© Fruitful 2025 — All rights reserved. “Fruitful” refers to Fruitful, Inc. and its wholly-owned, affiliated, and separately managed subsidiaries, Fruitful Financial, LLC and Fruitful Advisory, LLC, an SEC-registered investment adviser. To learn more about Fruitful Advisory, LLC please view its Form ADV Part 2 and Form CRS available at www.adviserinfo.sec.gov. Registration with the SEC does not imply any level of skill or training. All investing involves risk, including the risk of losing the money you invest. Only members of Fruitful have access to products and services across the Fruitful affiliates and subsidiaries.
This information is provided by Fruitful for educational and illustrative purposes only and is not considered an offer, solicitation of an offer, advice, or recommendation to buy, sell, or hold any security. All investing involves risk, including the risk of losing the money you invest, and past performance does not guarantee future performance. Rebalancing cannot assure a profit or protect against loss in a declining market. Fruitful relies on information from various sources believed to be reliable, including information from its Members, Clients, and other third parties, but cannot guarantee the accuracy or completeness of that information.
Fruitful is a financial technology company, not an FDIC-insured bank. Funds in your Fruitful Cash account(s) are held at Emigrant Bank, an FDIC-insured institution. While there, your fund are FDIC insured up to $250,000 and covered in the event of the failure of only Emigrant Bank. Fruitful must meet and satisfy certain conditions for pass-through deposit insurance coverage in the even of Emigrant Bank's failure.