ACN Financial Customer Protection Guarantee

    Terms of Service

    Read the Terms of Service and License Agreement for ACN as well as our ACN-Financial & Developer Agreements.


    Find out more about what information we collect at ACN, how we use it, and what control you have over your data.


    Learn more about how we keep your work and personal data safe when you’re using our services.

    Last updated: March 2, 2022

    Important Notice:

  • ACNFinancial is proud to offer our Customer Protection Policy to give you peace of mind when doing business with us. We value your business and the trust that you have placed in ACNFinancial. Let's work together to keep your assets safe and secure

  • Please read on the relevant paragraphs below for further information.

    How do I get this protection?

    You are automatically covered for all cash and crypto assets held in your covered ACNFinancial account(s).

    Your funds have insurance coverage

    Insurance coverage is the amount of risk or liability that is covered for an individual or entity by way of insurance services. Insurance coverage, such as auto insurance, life insurance—or more exotic forms, such as hole-in-one insurance—is issued by an insurer in the event of unforeseen occurrences. Fridley Insurance, our provider covers up to $10 million in total claims. This means they have to monitor our financial safety and soundness at all times.
    Insurers take on a wide range of risks and should manage them in a financially sound way. Judging the risks in insurance companies and how they are managed is complex. Our regulation should give people added confidence when buying policies in the insurance market. Customers must trust that the insurance company will make good on its promise to pay when required.

    What accounts are covered?

    Crypto Assets in your Universal, Superannuation and retirement accounts with ACNFinancial Ltd, for which ACNFinancial is the record keeper are covered

    What about ACNFinancial accounts managed by independent Portfolio Managers?

    Cash and crypto assets in all ACNFinancial's accounts are covered, but please be aware, as described below, transactions and other activities made by your independent Portfolio Managers on your behalf for you are considered authorized by you.

    What actions must I take to be eligible?

    You must frequently check your account information and promptly review correspondence and confirmations as they are made available to you. You must immediately contact and report to ACNFinancial at if you suspect any unauthorized account activity, errors, discrepancies, lose the device you normally use to contact us. You must also maintain up-to-date contact information with us so that you may continue to receive our important communications updates and to ensure that we can contact you in case of suspected unauthorized activity.

    What must I do to protect my accounts?

    Never share your account access information, including username (registered email) and password with anyone. Never grant remote access to your computer or readback a one-time security code unless you have initiated the service call to a phone number that you have verified to be valid. ACNFinancial will never contact you to ask for this information or to gain access to your computer. Use a unique username and password for your ACNFinancial accounts. If you are a victim of identity theft, change your password and notify us immediately.

    What happens to my investment in an event of a market crash?

    ACNFinancial has reserve funds deposited with the New Zealand Business Authority according to their financial regulations regarding financial institutions. This fund will be used to reimburse the “total invested capital” of ACNFinancial’s investors all over the world in an event of a total crypto market crash or an economic meltdown.

    Our Security measures

    Strong username and password requirements: We prompt you to create a unique username and password when you first access your account. Learn more about updating your password
    Extra login security using 2-factor authentication (2FA): To keep your accounts safer, we offer 2FA as an extra layer of security that can be added to your account to restrict someone from logging in—even if they have access to your username and password
    Customer verification, restricted customer data access, and fraud detection: No matter where you visit us, we always verify your identity before allowing access to your accounts. Employees only see your data on a "need-to-know" basis, and we monitor all transactions for suspicious or unusual behavior. For your health safety, we also offer contactless verification options.

    Protect your loved ones from financial exploitation

    Read on for some simple steps you can take to protect yourself and ensure your loved ones are protected too.

    Fraud is on the rise

    Unfortunately, we live in a world where financial scams targeting the elderly and the inexperienced are on the rise. According to True Link Financial (a west coast firm specializing in fraud protection for seniors and their families), millions of older Americans fall victim to criminal scams resulting in a loss of over $36 billion annually. The good news, however, is that many of these crimes are actually preventable if you know what to look for.

    Possible ways to prevent a scam or stop a fraud in progress:

    *Make sure you have discussions with your loved ones about scams, phishing emails, and junk emails on a regular basis.
    *Identify red flags—a drastic rise in expenses, adding authorized users to accounts, changing beneficiaries, or the sudden development of a significant relationship (online or otherwise). *Never share account access credentials with anyone. *Talk to your elderly loved ones about adding a trusted contact to their accounts. If there's a concern about suspicious activity in the elder person's account and the elder person can't be reached, the financial institution can reach out to the trusted contact instead. Trusted contacts don’t have authority to act on the account holder's behalf or engage in activity on the account, but could add another layer of vigilance against scams.
    *Add a power of attorney to accounts where appropriate.