You may not overburden Fidelity systems, interfere with others' use or introduce harmful code
You may not (a) use the Fidelity Websites in a manner that could damage or overburden any Fidelity server or any network connected to one; (b) use them in a manner that would interfere with any other party's use of the websites; or (c) introduce, or permit anyone to introduce, any code or malicious or hidden mechanisms that would impair the operation of the websites or of Fidelity's computers, networks, or other devices or software.
Supporting quotations
You may not do any of the following: (a) use the Fidelity Websites in any manner that could damage or overburden any Fidelity server, or any network connected to any Fidelity server; (b) use the Fidelity Websites in any manner that would interfere with any other party's use of the Fidelity Websites; or (c) introduce or permit any person to introduce into the Fidelity Websites any code or malicious or hidden mechanisms that would impair the operation of the Fidelity Websites, or of Fidelity's computers, networks, or other devices or software.
Qualifications & exceptions
Part (c) also covers permitting another person to introduce such code.
Security & Safeguards · Restriction or exception
Tools built for high-speed, automated or repeated access are barred unless Fidelity approves them
You may not access the Fidelity Websites using devices, services, platforms or software ("Third-Party Access Tools") designed to provide high-speed, automated or repeated access. The prohibition extends to such tools used or intended to facilitate trading in a Fidelity account, or to automate or assist obtaining, downloading, transferring or transmitting information to or from a Fidelity account, unless the tools are expressly approved in writing, authorized, or made available by Fidelity for Your use.
Supporting quotations
You may not access the Fidelity Websites using devices, services, platforms, or software ("Third-Party Access Tools") designed to provide high-speed, automated, or repeated access to Fidelity Websites. This prohibition extends to Third-Party Access Tools used or intended to be used to facilitate trading in a Fidelity account or to automate or otherwise assist the process of obtaining, downloading, transferring, or transmitting any information to or from any Fidelity account, unless such Third-Party Access Tools are expressly approved in writing, authorized, or made available by Fidelity for Your use.
Qualifications & exceptions
The "unless" exception is written about the tools described in the second sentence (account trading and information transfer).
Not stated here
The passage does not say whether the approval exception also applies to the first sentence's general ban on high-speed, automated or repeated access tools.
Security & Safeguards · Restriction or exception
Website features may be used to interact with Fidelity systems only for their intended purpose
You may not use any feature or service made available by the Fidelity Websites to interact with any Fidelity computer, network or service other than for the purposes and in the manner for which the feature or service is made available to, and intended to be used by, users of the websites.
Supporting quotations
You may not use any feature or services made available by the Fidelity Websites to interact with any Fidelity computer, network or service other than for the purposes and in the manner for which the feature or service is made available to, and is intended to be used by, users of the Fidelity Websites.
Security & Safeguards · Restriction or exception
You may not access credential-protected areas or accounts except by means Fidelity intentionally gives You
Parts of the Fidelity Websites require credentials such as a username and password ("Restricted Content"). You may not obtain or attempt to obtain access to Restricted Content, including Fidelity customer accounts, through any means not intentionally made available by Fidelity for Your specific use.
Supporting quotations
Certain parts of the Fidelity Websites require credentials, such as a username and password, to access them ("Restricted Content"). You may not obtain or attempt to obtain access to Restricted Content, including but not limited to Fidelity customer accounts, through any means not intentionally made available by Fidelity for Your specific use.
Qualifications & exceptions
The restriction is on means of access not intentionally made available for Your specific use.
Security & Safeguards · Restriction or exception
If You have a password, You are solely responsible for keeping credentials confidential and for activity under them
If You have a password for non-public areas of the Fidelity Websites, You are solely responsible for keeping any username, password and other security data, methods and devices confidential. You are also responsible for all activities that occur in connection with Your access credentials or password, including all instructions electronically transmitted to Fidelity via the websites and all use of data, information or services obtained using them. You should take steps to protect the confidentiality of Your credentials. The passage adds that nothing in the Terms alters or supersedes any rights or protections that might be provided to You under Regulation E.
Supporting quotations
Password Security and Notification
If You have a password for access to non-public areas of the Fidelity Websites, You are solely responsible for maintaining the confidentiality of any username, password, and other security data, methods, and devices. Further, You are responsible for all activities that occur in connection with Your access credentials or password, including all instructions electronically transmitted to Fidelity via the Fidelity Websites and all use of any data, information or services obtained using Your access credentials or password and other security data.
Accordingly, You should take steps to protect the confidentiality of Your access credentials or password. Nothing in these Terms alters or supersedes any rights or protections that might be provided to You under Regulation E.
"You" or "Your" refers to any person or entity that accesses or attempts to access the Fidelity Websites.
Qualifications & exceptions
Applies if You have a password for non-public areas of the Fidelity Websites.
Regulation E rights or protections that might apply to You are stated not to be altered or superseded by the Terms.
Not stated here
Regulation E is not supplied in this source, so whether and how it applies to a given situation is not described here.
Security & Safeguards · Restriction or exception
Sharing credentials voids Fidelity's Customer Protection Guarantee and may void protections at other firms
You are told not to share Your access credentials or passwords for the Fidelity Websites, or for any accounts held outside Fidelity that are aggregated through the websites, with any other person. Doing so voids Fidelity's Customer Protection Guarantee and may also void account protections at any other firm where the accounts reside.
Supporting quotations
Do not share Your access credentials or passwords for the Fidelity Websites, or any accounts held outside of Fidelity aggregated through the Fidelity Websites, with any other persons. Doing so voids Fidelity's Customer Protection Guarantee
and may also void account protections at any other firm where the accounts reside.
Qualifications & exceptions
Loss of the Customer Protection Guarantee is stated as certain ("voids"); loss of protections at other firms is stated as possible ("may also void").
Not stated here
The Customer Protection Guarantee is linked but its terms are not part of this source, so what it covers is not described here.
The passage ends with a reference to learning more about granting authorized access to Your Fidelity retail brokerage accounts, which is not supplied.
Security & Safeguards · Procedure
Tell Fidelity immediately about unauthorized activity or password loss, and cooperate with investigations
You must notify Fidelity immediately if You become aware of any unauthorized activity, disclosure, loss, theft or unauthorized use of Your password. You agree to cooperate with Fidelity in any investigation and to take corrective measures to protect Your account from further fraudulent activity.
Supporting quotations
Notify Fidelity immediately if You become aware of any unauthorized activity, disclosure, loss, theft, or unauthorized use of Your password. You agree to cooperate with Fidelity in any investigation and agree to take corrective measures to protect Your account from further fraudulent activity.
Qualifications & exceptions
The notice duty is triggered by becoming aware of unauthorized activity, disclosure, loss, theft or unauthorized use of Your password.
Not stated here
The passage does not say how to notify Fidelity or what corrective measures are expected.
Security & Safeguards · Context
Electronic communications with Fidelity may not be encrypted and may be accessed by unauthorized third parties
Electronic communications to or from Fidelity, including wired and wireless, may not be encrypted. You acknowledge there is no guarantee that data, including e-mail, electronic and wireless communications and personal data, will not be accessed by unauthorized third parties when communicated between You and Fidelity or between You and other parties.
Supporting quotations
Security of Electronic Communications
Electronic (including wired and wireless) communications to or from Fidelity may not be encrypted. You acknowledge that there is no guarantee that data, including e-mail, electronic and wireless communications, and personal data, will not be accessed by unauthorized third parties when communicated between You and Fidelity or between You and other parties.
Qualifications & exceptions
The text says communications "may not be encrypted"; it does not say which are or are not.
Security & Safeguards · Restriction or exception
No warranty that the websites are uninterrupted or secure; downloads are at Your risk
Fidelity does not warrant that the Fidelity Websites will be uninterrupted or secure. If You download any materials from them, You do so at Your own risk and are solely responsible for any resulting damage to Your computer or other electronic system or loss of data. This is subject to the stated state-law carve-out: if You live in a state that does not allow warranties to be limited or disclaimed, some or all of these provisions may not apply to You.
Supporting quotations
FIDELITY DOES NOT WARRANT THAT THE FIDELITY WEBSITES WILL BE UNINTERRUPTED, OR SECURE. IF YOU DOWNLOAD ANY MATERIALS FROM THE FIDELITY WEBSITES, YOU DO SO AT YOUR RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER OR OTHER ELECTRONIC SYSTEM OR LOSS OF DATA THAT RESULTS.
IF YOU LIVE IN A STATE THAT DOES NOT ALLOW WARRANTIES TO BE LIMITED OR DISCLAIMED, SOME OR ALL OF THESE PROVISIONS MAY NOT APPLY TO YOU.
Qualifications & exceptions
The state-law carve-out applies to "these provisions" of the warranty disclaimer section.