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Ally Invest Disclosures

Ally Invest offers investment brokerage and advisory services to investors through its wholly owned subsidiaries. Ally Invest may at any time revise these Disclosures. You agree to be bound by subsequent revisions and agree to review the Disclosures periodically for changes. The most updated version of these documents will always be available for your review on this page, accessible by clicking on the "Disclosures" link that appears at the bottom of the pages on the website.

Ally Invest

Ally Invest is a trade name used by Ally Invest Group Inc. and its brokerage and advisory subsidiaries.

Securities offered through Ally Invest Securities LLC, member FINRA and SIPC. Advisory services offered by Ally Invest Advisors Inc. a Securities and Exchange Commission (SEC) registered investment advisor. Foreign exchange trading (Forex) is offered through Ally Invest Forex LLC, member NFA. Futures offered through Ally Invest Futures LLC, member NFA. Ally Invest Securities LLC, Ally Invest Advisors Inc., Ally Invest Forex LLC and Ally Invest Futures LLC are separate but affiliated companies and each a subsidiary of Ally Invest Group Inc. Ally Invest Group Inc. is a wholly owned subsidiary of Ally Financial Inc.

Online trading has inherent risk due to system response and access times that may vary due to market conditions, system performance, and other factors. An investor should understand these and additional risks before trading. Futures and Forex accounts are not protected by the Securities Investor Protection Corp. (SIPC) or Federal Deposit Insurance Corp. (FDIC).

Content, research, tools, and stock or option symbols are for educational and illustrative purposes only and do not imply a recommendation or solicitation to buy or sell a particular security or to engage in any particular investment strategy. The projections or other information regarding the likelihood of various investment outcomes are hypothetical in nature, are not guaranteed for accuracy or completeness, do not reflect actual investment results, do not take in to consideration commissions, margin interest and other costs, and are not guarantees of future results.

All investments involve risk, losses may exceed the principal invested, and the past performance of a security, commodity futures, industry, sector, market, or financial product does not guarantee future results or returns. Ally Invest provides self-directed investors with discount brokerage services. These discount brokerage services do not provide investment recommendations or offer investment, financial, legal or tax advice. You alone are responsible for evaluating the merits and risks associated with the use of Ally Invest's systems, services or products. If you have additional questions regarding your taxes, please visit IRS.gov or consult a tax professional. Ally Invest does not provide any tax advice.

Trading in futures, options and forex is speculative in nature and not suitable for all investors. Investors should only use risk capital when trading futures, options and forex because there is always the risk of substantial loss.

Options involve risk and are not suitable for all investors. If you are considering trading options on securities or futures, please read the Characteristics and Risks of Standardized Options before you begin. Options investors may lose the entire amount of their investment in a relatively short period of time.

Brokerage Products: Not FDIC Insured • No Bank Guarantee • May Lose Value

Users

Terms & Conditions

Third-Party Websites

Ally Invest is not responsible for content of linked third-party websites. Third-party links and software applications are provided solely as a convenience or for educational or informational purposes.

Third-Party Websites and Software Disclosures

Advice for Online Investors

Ally Invest firms are regulated by governmental as well as self-regulatory organizations. These regulatory bodies provide investment notices that are designed to assist investors. Ally Invest recommends that customers read the following notices to investors.

Ally Invest Securities LLC

Ally Invest Securities provides self-directed investors with digital brokerage services, and does not make recommendations or offer investment advice. Each investor is solely responsible for evaluating the merits and risks associated with the use of our systems, services and products.

Investors should consider the investment objectives, risks, and charges and expenses of a mutual fund or ETF carefully before investing. A mutual fund/ETF prospectus contains this and other information and can be obtained by emailing support@invest.ally.com.

Quotes are delayed at least 15 minutes, unless otherwise indicated.

Multiple leg options strategies involve additional risks, and may result in complex tax treatments. Please consult a tax professional prior to implementing these strategies.

Ally Invest Advisors Inc.

Ally Invest Advisors offers a Wrap Fee Program to prospective and current clients. Our wrap fee program provides our clients the opportunity to obtain professional portfolio management for an inclusive fee that is based upon the client’s assets under our management.

Ally Invest Advisors’ primary focus is to provide discretionary portfolio management services to our clients’ via our online investment services offering.  We do this exclusively through web‐based solutions and informational resources, and virtual interaction. We do not offer financial planning services.

Ally Invest Advisors provides managed investment portfolios to customers that self-select their risk and time horizon characteristics. Risks applicable to any portfolio are those associated with its underlying securities. Before you invest, you should carefully review and consider the investment objectives, risks, charges and expenses of each exchange-traded fund (ETF) that are to be used within Ally Invest Advisors’ Managed Portfolios. ETF trading prices may not necessarily reflect the net asset value of the underlying securities. You are able to review and download ETF product descriptions via the Securities and Exchange Commission’s (SEC) website.

Customers should carefully review the following documents to properly understand the characteristics, fees and risks associated with the services provided.

Please refer to our Wrap Fee Program Brochure (PDF) for detailed information pertaining to Services, Fees, and Risks.

Wrap Fee Customer Agreement (PDF)

ADVISORY SERVICES GENERAL DISCLOSURES

Ally Invest Forex LLC

Ally Invest Forex LLC is a guaranteed introducing broker to GAIN Capital Group, LLC ("GAIN Capital"). Your forex account is held and maintained at GAIN Capital who serves as the clearing agent and counterparty to your trades. GAIN Capital is registered with the Commodity Futures Trading Commission (CFTC) and is a member of the National Futures Association (NFA) (ID # 0339826). Ally Invest Forex LLC is a member of the National Futures Association (ID # 0408077).

Forex trading involves significant risk of loss and is not suitable for all investors. Increasing leverage increases risk. Before deciding to trade forex, you should carefully consider your financial objectives, level of investing experience, and ability to take financial risk. Any opinions, news, research, analyses, prices or other information contained does not constitute investment advice. Read the full Forex Risk Disclosure Statement. Please note that spot gold and silver contracts are not subject to regulation under the U.S. Commodity Exchange Act.

Ally Invest Futures LLC

Ally Invest Futures LLC provides commodity and Index futures product trading on an introducing broker basis with Wedbush Futures, a division of Wedbush Securities, Inc. Your futures account is held and maintained at Wedbush Futures who serves as the clearing agent. Wedbush Securities Inc is registered with the Commodity Futures Trading Commission (CFTC) and is a member of the National Futures Association (NFA) (ID # 0086156). Ally Invest Futures LLC is a member of the National Futures Association (ID # 0315389).

The risk of loss in trading futures contracts or options can be substantial, and therefore investors should understand the risks involved in taking leveraged positions and must assume responsibility for the risks associated with such investments and for their investment results. There is considerable exposure to risk including, but not limited to, leverage, creditworthiness, and market volatility that may substantially affect the price, or liquidity of the markets that you are trading. These products are only suitable for investors that have speculation as their trading objective and understand that all the value in their account is true risk capital that they could potentially lose.