Fidelity Terms of Use

Fidelity · agreement dated July 1, 2026 · Official agreement

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Legal Rights & Agreement Rules · Context

Website information is general and not legal, tax or insurance advice

The Fidelity Websites are not intended to provide legal, tax or insurance advice. In general, the information on them was prepared without reference to any particular user's personal situation. You are encouraged to consult Your own legal, tax or insurance professional about Your specific situation.

Supporting quotations

The Fidelity Websites are not intended to provide legal, tax, or insurance advice. In general, the information contained in the Fidelity Websites has been prepared without reference to any particular user's personal situation.
You are also encouraged to consult Your legal, tax, or insurance professional regarding Your specific situation.

Qualifications & exceptions

  • "In general" limits the statement that the information was prepared without reference to a user's personal situation.

Legal Rights & Agreement Rules · Context

Pricing and data from the websites may not match actual market prices; credit ratings are opinions

Pricing and other information generated through data or services made available via the Fidelity Websites may not reflect actual prices or values available in the market when it is provided, or when You may want to buy or sell a particular security or other investment, including a digital asset. Credit ratings are statements of opinion and are not statements of fact.

Supporting quotations

Pricing and other information generated through the use of data or services made available via the Fidelity Websites may not reflect actual prices or values that would be available in the market at the time provided or at the time that You may want to purchase or sell a particular security or other investment, including a digital asset. In addition, credit ratings are statements of opinions and are not statements of fact.

Qualifications & exceptions

  • The caution covers information generated through data or services made available via the Fidelity Websites and uses "may", so it is a possibility rather than a statement that prices will differ.

Legal Rights & Agreement Rules · Context

References to an investment, rating or observation are not a recommendation or investment advice

Any reference to a particular investment or security, a rating or any observation concerning an investment that is part of this information is not a recommendation to buy, sell or hold it, does not address whether it is suitable for any particular investor, and should not be relied on as investment advice. Before investing, You should consider whether any investment, strategy, security, other asset or related transaction is appropriate for You based on Your personal investment objectives, financial circumstances and risk tolerance.

Supporting quotations

Any reference to a particular investment or security, a rating or any observation concerning an investment that is part of this information is not a recommendation to buy, sell or hold such investment or security or other asset, does not address the suitability of an investment or security or other asset for any particular investor, and should not be relied on as investment advice.
Before investing, You should consider whether any investment, investment strategy, security, other asset, or related transaction is appropriate for You based on Your personal investment objectives, financial circumstances, and risk tolerance.

Use & Processing · Company practice

The Virtual Assistant uses artificial intelligence and draws on what You enter and Your account information

On certain pages of the Fidelity Websites You may engage with Fidelity's Virtual Assistant. It uses advanced technology and artificial intelligence to help with frequently asked questions and enhance Your digital experience, and is designed to be anticipatory and responsive based on Your search terms, information You enter in reply to its questions, and Your account and other information on file with Fidelity.

Supporting quotations

On certain pages of the Fidelity Websites, You may engage with Fidelity's Virtual Assistant.
Our Virtual Assistant uses advanced technology and artificial intelligence to help with frequently asked questions and to enhance Your digital experience. It is designed to be both anticipatory and responsive based on Your search terms, information You enter in reply to the Virtual Assistant's questions, and Your account and other information on file with Fidelity.

Qualifications & exceptions

  • Available on certain pages only.

Not stated here

  • The passage does not say which account or other information on file is used.

Sharing & Disclosure · Company practice

Virtual Assistant interactions may be recorded and shared with service providers

Your interactions with the Virtual Assistant may be recorded and shared with service providers that provide technology and services used in the Virtual Assistant or are used for other business purposes.

Supporting quotations

Your interactions with our Virtual Assistant may be recorded and shared with our service providers that provide technology and services used in our Virtual Assistant or are used for other business purposes.

Qualifications & exceptions

  • The text says "may be recorded and shared", so recording and sharing are permitted by the wording rather than stated as certain.

Not stated here

  • The wording does not make clear whether "other business purposes" modifies the service providers' services or the sharing, and it does not list the providers.

Retention & Deletion · Company practice

Information given to the Virtual Assistant may be retained and used or shared under the Privacy Policy

Any personal, account or other information You give the Virtual Assistant, and all search information entered, may be retained, accessible to Fidelity personnel, and used and shared consistent with Fidelity's Privacy Policy.

Supporting quotations

Any personal, account, or other information You provide to the Virtual Assistant, as well as all search information entered, may be retained, accessible to Fidelity personnel, and used and shared consistent with Fidelity's Privacy Policy.

Qualifications & exceptions

  • The retention, access and use are stated with "may" and tied to Fidelity's Privacy Policy.

Not stated here

  • Fidelity's Privacy Policy is not part of this source, so what it allows is not described here.

Data Access & Collection · Restriction or exception

Do not give the Virtual Assistant credit or debit card information or protected health information

You should not provide the Virtual Assistant with credit or debit card information or protected health information, even though information given to it may otherwise be retained and used under the Privacy Policy.

Supporting quotations

Notwithstanding, You should not provide the Virtual Assistant with credit or debit card information or protected health information.

Qualifications & exceptions

  • Phrased as "should not", an instruction to users; the passage does not state a technical block.

Legal Rights & Agreement Rules · Context

The Virtual Assistant does not recommend trades and gives general, non-advice responses

The Virtual Assistant is not designed to recommend the purchase or sale of specific securities or digital assets. It may offer educational information but cannot discern which investment choices would suit Your personal situation. Its responses are general in nature and should not be considered investment, legal or tax advice; for Your specific situation consult an investment professional, attorney or tax professional.

Supporting quotations

The Virtual Assistant is not designed to recommend the purchase or sale of specific securities or digital assets. While it may offer educational information, it doesn't have the capability to discern what investment choices would be suitable for Your personal situation.
Responses from the Virtual Assistant are general in nature and should not be considered investment, legal, or tax advice. Consult an investment professional, attorney, or tax professional regarding Your specific situation.

Charges & Financial Obligations · Restriction or exception

Do not place trade orders through the Virtual Assistant; it cannot execute trades

You should not attempt to place trade orders through the Virtual Assistant. It can give guidance on how to place a trade at Fidelity, but it cannot execute trades on Your behalf.

Supporting quotations

Do not attempt to place trade orders through the Virtual Assistant; it can provide You with guidance as to how to place a trade at Fidelity, but the Virtual Assistant cannot execute trades on Your behalf.

Data Access & Collection · Company practice

Customer experience survey responses are collected by Qualtrics, a hired third party

On certain pages of the Fidelity Websites You may engage with Fidelity's customer experience feedback surveys. Responses are collected by Qualtrics, a third-party company Fidelity hired to develop, collect and analyze the results. The text states that Qualtrics and Fidelity are independent entities and are not legally affiliated.

Supporting quotations

On certain pages of the Fidelity Websites, You may engage with Fidelity's customer experience feedback surveys.
Responses to this survey will be collected by Qualtrics, a third party company Fidelity has hired to develop, collect and analyze the results. Qualtrics and Fidelity are independent entities and are not legally affiliated.

Qualifications & exceptions

  • Available on certain pages only.

Use & Processing · Company commitment

Survey feedback is described as confidential and not used for individual marketing

Your feedback is described as confidential. Neither Fidelity nor Qualtrics will individually respond to feedback You provide in the survey unless required to by applicable law, and they will not use Your feedback for individual marketing efforts. If You want Fidelity to follow up on questions or comments, contact Fidelity directly through Your normal contact channel.

Supporting quotations

Your feedback is confidential.
Neither Fidelity nor Qualtrics will individually respond to any feedback You provide in this survey unless required to do so by applicable law, nor will they use Your feedback for individual marketing efforts.
If You have questions or comments that You would like Fidelity to follow-up with You on, please contact Fidelity directly through Your normal contact channel.

Qualifications & exceptions

  • The exception for applicable law is stated for individual responses; the text states the marketing limit without it.

Data Access & Collection · Restriction or exception

Do not include personally identifiable account information in survey responses

Please do not include any personally identifiable information related to an account in Your survey responses.

Supporting quotations

Please do not include any personally identifiable information related to an account in Your responses.

Qualifications & exceptions

  • Phrased as a request ("Please do not").

Data Access & Collection · Company practice

Live chat may be recorded, monitored and shared with service providers

On certain pages of the Fidelity Websites You may chat live with Fidelity representatives. All chat interactions may be recorded, are subject to recordkeeping and monitoring, and may be shared with service providers that provide technology and services used in the chat feature or are used for other business purposes.

Supporting quotations

On certain pages of the Fidelity Websites, You may engage with representatives of Fidelity through a live chat feature. All of the chat interactions may be recorded, are subject to recordkeeping and monitoring, and may be shared with our service providers that provide technology and services used in our chat feature or are used for other business purposes.

Qualifications & exceptions

  • Available on certain pages only.
  • Recording and sharing are stated with "may"; recordkeeping and monitoring are stated as applying.

Not stated here

  • The wording does not make clear whether "other business purposes" modifies the service providers' services or the sharing.

Data Access & Collection · Company practice

You may be asked for account, contact or other personal information to use certain capabilities

While You use the Fidelity Websites You may be asked to provide information such as categories of products and services You are interested in, account information, or contact or other personal information, in order to use certain capabilities or to subscribe to Fidelity products or services. "You" means any person or entity that accesses or attempts to access the websites.

Supporting quotations

While using the Fidelity Websites, You may be asked to provide certain information to us, such as categories of products and services in which You are interested, account information, or contact or other personal information, in order to use certain capabilities and/or to subscribe to Fidelity products or services.
"You" or "Your" refers to any person or entity that accesses or attempts to access the Fidelity Websites.

Qualifications & exceptions

  • The request is tied to using certain capabilities or subscribing to products or services.

Sharing & Disclosure · Company practice

Information collected on the websites may be accessible to staff, retained and used or shared under the Privacy Policy

All information You provide, and all other information collected when You use the Fidelity Websites, may be accessible to Fidelity personnel, is subject to possible retention, and may be used and shared consistent with Fidelity's Privacy Policy. The Privacy Policy can be reached at any time through the "Privacy" link in the footer of each page of the Fidelity Websites.

Supporting quotations

All such information, as well as all other information collected when You use the Fidelity Websites, may be accessible to Fidelity personnel, is subject to possible retention, and may be used and shared consistent with Fidelity's Privacy Policy, which can be accessed at any time by clicking on the "Privacy" link that is in the footer of each page of the Fidelity Websites.

Qualifications & exceptions

  • Access, retention, use and sharing are stated with "may" or "possible", and are tied to Fidelity's Privacy Policy.

Not stated here

  • Fidelity's Privacy Policy is not part of this source, so what it permits or limits is not described here.

Data Access & Collection · Company practice

Your use of the websites may be monitored and recorded by Fidelity or its service providers

Your use of the Fidelity Websites may be monitored and recorded by Fidelity and/or its service providers for Fidelity's business purposes.

Supporting quotations

In addition, Your use of the Fidelity Websites may be monitored and recorded by us and/or our service providers for our business purposes.

Qualifications & exceptions

  • Stated with "may".

Not stated here

  • The passage does not describe what is recorded or for how long.

Linking & Identification · Restriction or exception

Fidelity is not responsible for third-party sites it links to, and links are not endorsements

Fidelity is not responsible or liable for any content, advertising, product or other materials on or available from third-party sites, even if linked from, or otherwise referenced on, the Fidelity Websites. A link or reference does not constitute an endorsement or recommendation of those products or sites.

Supporting quotations

Fidelity is not responsible or liable for any content, advertising, product, or other materials on or available from third party sites, even if linked from, or otherwise referenced on, the Fidelity Websites. Any such link or reference does not constitute an endorsement or recommendation with respect to such products or sites.

Qualifications & exceptions

  • Applies even where the third-party site is linked from or referenced on the Fidelity Websites.

Content & IP Rights · Context

Trademarks on the websites belong to FMR LLC or an affiliate, except third-party marks

All trademarks and service marks on the Fidelity Websites belong to FMR LLC or an affiliate, except third-party trademarks and service marks, which are the property of their respective owners "as discussed below".

Supporting quotations

Trademarks
All trademarks and service marks on the Fidelity Websites belong to FMR LLC or an affiliate, except third-party trademarks and service marks, which are the property of their respective owners as discussed below.

Qualifications & exceptions

  • Third-party marks are excepted from the statement of ownership.

Not stated here

  • "As discussed below" points to later text that is covered in its own packet; this passage does not identify the third-party marks.

Content & IP Rights · Context

Some website content comes from unaffiliated providers who keep ownership of it

The Fidelity Websites include news, commentary, tools, quotes, research reports, data and other material, including ratings, about financial markets, securities, digital assets and other subjects. Some of it is supplied by companies not affiliated with any Fidelity entity ("Third Party Content"). It is protected by copyright under United States laws and international treaties and owned or licensed by the providers, their affiliates or suppliers ("Third Party Content Providers"). You acknowledge and agree that it remains valuable intellectual property of those providers and that no proprietary rights are transferred to You.

Supporting quotations

Third Party Content
Some of this content is supplied by companies that are not affiliated with any Fidelity entity ("Third Party Content"). The Third Party Content is protected by copyright pursuant to United States laws and international treaties and is owned or licensed by the providers, their affiliates or their suppliers of such Third Party Content ("Third Party Content Providers"). You acknowledge and agree that the Third Party Content is and shall remain valuable intellectual property owned by the Third Party Content Providers, and that no proprietary rights are being transferred to You with respect to such content.
These Terms of Use (the "Terms") govern your use of Fidelity websites, such as [www.Fidelity.com](https://www.fidelity.com) and [www.NetBenefits.com](https://www.NetBenefits.com) (the "Fidelity Websites").

Qualifications & exceptions

  • Only "some" of the content on the Fidelity Websites is Third Party Content.

Not stated here

  • This passage does not identify which content is Third Party Content beyond the provider notices later in the section.

Content & IP Rights · Restriction or exception

Reproducing Third Party Content needs the provider's written permission; wider use generally needs a licence

Reproduction of any Third Party Content in any form is prohibited except with the prior written permission of the credited Third Party Content Provider. Any use by You beyond the scope of the services Fidelity provides to You generally requires a licence from the provider, along with an associated fee based on usage.

Supporting quotations

Reproduction of any Third Party Content in any form is prohibited except with the prior written permission of the Third Party Content Provider credited. Any use by You of such Third Party Content beyond the scope of the services provided to You by Fidelity generally requires a license from the Third Party Content Provider, along with an associated fee based on usage.

Qualifications & exceptions

  • "Generally requires" qualifies the licence-and-fee statement for use beyond the services provided to You.

Legal Rights & Agreement Rules · Restriction or exception

Neither Fidelity nor the providers guarantee Third Party Content or accept liability for its use

Neither Fidelity nor any Third Party Content Provider guarantees the accuracy, timeliness, completeness, usefulness or availability of Third Party Content, or is responsible for errors or omissions in it (negligent or otherwise), regardless of cause, or for results obtained from using it. In no event are Fidelity or any provider liable for damages, costs, expenses, legal fees or losses (including lost income, lost profit and opportunity costs) in connection with any use of Third Party Content.

Supporting quotations

Neither Fidelity nor any Third Party Content Provider guarantees the accuracy, timeliness, completeness, usefulness, or availability of Third Party Content, nor is Fidelity or any Third Party Content Provider responsible for any errors or omissions in Third Party Content (negligent or otherwise), regardless of the cause, or for the results obtained from the use of such Third Party Content. In no event shall Fidelity or any Third Party Content Provider be liable for any damages, costs, expenses, legal fees, or losses (including lost income or lost profit and opportunity costs) in connection with any use of Third Party Content.

Not stated here

  • The passage does not say whether or how applicable law limits these statements.

Legal Rights & Agreement Rules · Context

Third Party Content references are not recommendations, and credit ratings are opinions

A reference to a particular investment or security, a rating or any observation about an investment that is part of the Third Party Content is not a recommendation to buy, sell or hold it, does not address suitability for any particular investor, and should not be relied on as investment advice. Credit ratings are statements of opinion, not statements of fact. You accept and assume all risks of using any Third Party Content, and including it on the websites is not an endorsement or recommendation from Fidelity of the content or its provider.

Supporting quotations

A reference to a particular investment or security, a rating or any observation concerning an investment that is part of the Third Party Content is not a recommendation to buy, sell or hold such investment or security, does not address the suitability of an investment or security for any particular investor, and should not be relied on as investment advice. Credit ratings are statements of opinions and are not statements of fact.
You accept and assume all risks of using any Third Party Content. The inclusion of any Third Party Content on the Fidelity Websites does not constitute an endorsement or recommendation from Fidelity of such Third Party Content or the Third Party Content Provider.

Content & IP Rights · Restriction or exception

You and Your agents may not distribute or pass on Third Party Content to anyone, including service providers

Third Party Content may not be distributed or redistributed in any manner by You or Your agents. Your receipt and use of Third Party Content obtained from the Fidelity Websites is subject to restrictions and terms under these Terms and as required by the providers. You and Your agents are prohibited from distributing, redistributing, exporting to, downloading, providing access to (directly or indirectly) or otherwise transferring Third Party Content received from Fidelity to any party, including but not limited to any service provider or vendor.

Supporting quotations

Third Party Content shall not be distributed or redistributed in any manner by You or Your agents. To the extent You obtain or receive Third Party Content from Fidelity Websites, Your receipt and use of that Third Party Content is subject to certain restrictions and terms and conditions pursuant to these Terms and as required by the Third Party Content Providers. Pursuant to these Terms, and as required by the Third Party Content Providers, You understand and acknowledge that You and Your agents are prohibited from distributing, redistributing, exporting to, downloading, providing access to, directly or indirectly, or otherwise transferring Third Party Content received from Fidelity to any party, including but not limited to, any service provider or vendor.

Qualifications & exceptions

  • The prohibition covers direct and indirect access and applies to "any party, including but not limited to" service providers and vendors.

Legal Rights & Agreement Rules · Restriction or exception

You are liable to Fidelity for misuse of Third Party Content by You or Your agents

You are liable and responsible to Fidelity for any actions or omissions, including unauthorized or inadvertent receipt, use or misuse of Third Party Content by You or Your agents, that violate these Terms or any other obligations You have to Fidelity.

Supporting quotations

You shall be liable and responsible to Fidelity for any actions or omissions, including any unauthorized or inadvertent receipt, use or misuse of Third Party Content by You or Your agent(s) in violation of these Terms, or any other obligations that are made to Fidelity by You.

Qualifications & exceptions

  • Covers unauthorized or inadvertent receipt, use or misuse, and acts by agents.

Not stated here

  • The passage does not state the measure or amount of liability.

Account & Service Control · Permission or license

Fidelity may suspend or end access to Third Party Content at once, in its sole discretion, without notice

Fidelity, in its sole discretion, reserves the right to immediately and without notice suspend or terminate Your or Your agents' access to Third Party Content. Fidelity will not be liable to You for any modification or discontinuance of that access, whether from Fidelity's suspension or termination of the Third Party Content, from Your relationship with Fidelity or for any other reason.

Supporting quotations

Fidelity, in its sole discretion, reserves the right to immediately, without notice, suspend or terminate Your or Your agents', access to the Third Party Content.
Fidelity will not be liable to You for any modification or discontinuance of such access to the Third Party Content whether as a result of Fidelity's suspension or termination of the Third Party Content, Your relationship with Fidelity or for any other reason.

Retention & Deletion · Restriction or exception

On suspension or termination You and Your agents must stop using and delete Third Party Content

Upon termination or suspension of access or use, or upon termination of Your relationship with Fidelity, You must stop all use of Third Party Content, cause all Your agents to stop, and delete or purge all of it. You agree that these terms and conditions survive any termination of Your right of access to Third Party Content.

Supporting quotations

Upon termination or suspension of such access or use or upon the termination of Your relationship, You shall cease and shall cause all of Your agents to cease all use of and delete or purge any and all of the Third Party Content.
You agree that the foregoing terms and conditions shall survive any termination of Your right of access to the Third Party Content.

Qualifications & exceptions

  • Triggered by termination or suspension of access or use, or termination of the relationship.

Content & IP Rights · Restriction or exception

CUSIP identifiers may not be used or passed on as a substitute for a CUSIP service

CUSIP identifiers on the websites are provided by CUSIP Global Services, managed on behalf of the American Bankers Association by Standard & Poor's Financial Services, LLC. They are not for use or dissemination in a manner that would serve as a substitute for any CUSIP service.

Supporting quotations

"CUSIP" identifiers have been provided by CUSIP Global Services, managed on behalf of the American Bankers Association by Standard & Poor's Financial Services, LLC, and are not for use or dissemination in a manner that would serve as a substitute for any CUSIP service.

Content & IP Rights · Restriction or exception

Moody's ratings may not be copied, redistributed or stored without Moody's prior written consent

Moody's Investors Service ratings are proprietary to Moody's or its affiliates, protected by copyright and other intellectual property laws, and licensed to Fidelity by Moody's. They may not be copied or otherwise reproduced, repackaged, further transmitted, transferred, disseminated, redistributed or resold, or stored for subsequent use for any such purpose, in whole or in part, in any form or by any means, by any person without Moody's prior written consent.

Supporting quotations

Moody's Investors Service, Inc. ("Moody's") ratings are proprietary to Moody's or its affiliates and are protected by copyright and other intellectual property laws. Ratings are licensed to Fidelity by Moody's. RATINGS MAY NOT BE COPIED OR OTHERWISE REPRODUCED, REPACKAGED, FURTHER TRANSMITTED, TRANSFERRED, DISSEMINATED, REDISTRIBUTED OR RESOLD, OR STORED FOR SUBSEQUENT USE FOR ANY SUCH PURPOSE, IN WHOLE OR IN PART, IN ANY FORM OR MANNER OR BY ANY MEANS WHATSOEVER, BY ANY PERSON WITHOUT MOODY'S PRIOR WRITTEN CONSENT.

Qualifications & exceptions

  • The consent that lifts the restriction is Moody's prior written consent.

Content & IP Rights · Restriction or exception

S&P ratings and related data may not be modified, reverse engineered or distributed without S&P's written permission

No S&P ratings, credit-related analyses and data, valuations, or output from them, or any part of them, may be modified, reverse engineered, reproduced or distributed in any form by any means, or stored in a database or retrieval system, without the prior written permission of Standard & Poor's Financial Services LLC or its affiliates (collectively, S&P).

Supporting quotations

No S&P ratings, credit-related analyses and data, valuations, or output therefrom or any part thereof may be modified, reverse engineered, reproduced, or distributed in any form by any means, or stored in a database or retrieval system, without the prior written permission of Standard & Poor's Financial Services LLC or its affiliates (collectively, S&P).

Qualifications & exceptions

  • The permission that lifts the restriction is prior written permission of S&P.

Legal Rights & Agreement Rules · Company practice

Website content is only as of its published date, and Fidelity need not update dated or forward-looking statements

All content on the Fidelity Websites is presented only as of the date and time published or indicated and may be superseded by later market events or for other reasons. Users are cautioned not to place undue reliance on forward-looking statements (indicated by words such as "believe", "anticipate" or "expect"), which were based on information available when made. Fidelity undertakes no obligation to publicly update or revise any dated, forward-looking or other statements.

Supporting quotations

Timeliness of Content
All content on the Fidelity Websites is presented only as of the date and time published or indicated and may be superseded by subsequent market events or for other reasons. Users are cautioned not to place undue reliance on any forward-looking statements (indicated by language such as "believe", "anticipate", "expect" or similar words) which were based on information available at the time they were made. Fidelity undertakes no obligation to update publicly or revise any dated, forward-looking, or other statements.

Qualifications & exceptions

  • Forward-looking statements are indicated by language such as "believe", "anticipate", "expect" or similar words.

Legal Rights & Agreement Rules · Restriction or exception

Fidelity and content providers do not warrant the accuracy, completeness, availability or timeliness of the websites

Fidelity says it tries to include accurate and timely information, but there may be inadvertent inaccuracies and errors. Neither Fidelity nor its Third Party Content Providers warrant the accuracy, completeness, availability or timeliness of the Fidelity Websites or of any information, text, graphics, links or other Fidelity or Third Party Content on them.

Supporting quotations

Accuracy of Content
ALTHOUGH FIDELITY TRIES TO INCLUDE ACCURATE AND TIMELY INFORMATION ON THE FIDELITY WEBSITES, THERE MAY BE INADVERTENT INACCURACIES AND ERRORS, AND NEITHER FIDELITY NOR ITS THIRD PARTY CONTENT PROVIDERS WARRANT THE ACCURACY, COMPLETENESS, AVAILABILITY OR TIMELINESS OF THE FIDELITY WEBSITES OR ANY INFORMATION, TEXT, GRAPHICS, LINKS, OR OTHER FIDELITY OR THIRD PARTY CONTENT ON THE FIDELITY WEBSITES.

Legal Rights & Agreement Rules · Company practice

Fidelity may change the websites or content at any time without notice and does not warrant defects will be fixed

Fidelity may change the Fidelity Websites and any content on them at any time without notice. It does not warrant that defects or inaccuracies will be corrected, or corrected in a timely manner.

Supporting quotations

FIDELITY MAY CHANGE THE FIDELITY WEBSITES AND ANY CONTENT THEREON AT ANY TIME WITHOUT NOTICE, BUT FIDELITY DOES NOT WARRANT THAT ANY DEFECTS OR INACCURACIES WILL BE CORRECTED OR THAT THEY WILL BE CORRECTED IN A TIMELY MANNER.

Legal Rights & Agreement Rules · Restriction or exception

Use the websites only as the law permits and only for personal, non-commercial purposes

You may use the Fidelity Websites only as permitted by law, and only for personal, non-commercial purposes. "You" means any person or entity that accesses or attempts to access the websites.

Supporting quotations

Prohibited Uses and Termination of Access
You may use the Fidelity Websites only as permitted by law.
You may use the Fidelity Websites only for personal, non-commercial purposes.
"You" or "Your" refers to any person or entity that accesses or attempts to access the Fidelity Websites.

Qualifications & exceptions

  • A separate later passage addresses commercial entities and commercial exploitation of content.

Security & Safeguards · Restriction or exception

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.

Account & Service Control · Restriction or exception

Commercial entities need Fidelity's consent to access Restricted Content, and content may not be exploited commercially

Any commercial entity that accesses Restricted Content without Fidelity's express consent for any purpose, including to view, transact in or manage Fidelity customer accounts, violates the Terms, even if instructed to do so by an authorized user or by another party acting with authority on the authorized user's behalf. No content made available on the Fidelity Websites may be reproduced, duplicated, copied, sold, resold or otherwise exploited for any commercial purpose without Fidelity's express written consent.

Supporting quotations

Any commercial entity that accesses Restricted Content without express consent from Fidelity for any purpose, including to view, transact in or manage Fidelity customer accounts, is in violation of these Terms, even if instructed to do so by an authorized user or another party acting with authority on the authorized user's behalf. No content made available on the Fidelity Websites may be reproduced, duplicated, copied, sold, resold, or otherwise exploited for any commercial purpose without express written consent of Fidelity.

Qualifications & exceptions

  • Consent must be Fidelity's express consent; for commercial exploitation of content it must be express written consent.

Legal Rights & Agreement Rules · Permission or license

Fidelity and content providers may seek injunctions for misuse of data or content, whatever any arbitration clause says

Accessing, using or disclosing data, content or materials (including Third Party Content and Restricted Content) from the Fidelity Websites in a way inconsistent with these Terms or other obligations to Fidelity is stated to cause immediate and irreparable harm for which remedies at law are not adequate. Fidelity and its Third Party Content Providers may therefore seek equitable and injunctive relief from a court, including temporary or preliminary relief, without proving actual damages and without posting bond, regardless of any arbitration or alternative dispute resolution clause. You waive any right to challenge, in a legal proceeding, Fidelity's assertion that Your alleged use or access caused it irreparable harm.

Supporting quotations

Accessing, using, or disclosing any data, content, or materials (including Third Party Content and Restricted Content) from the Fidelity Websites in any manner inconsistent with these Terms or any other obligations that are made to Fidelity by You will constitute immediate and irreparable harm to Fidelity and/or the Third Party Content Providers and, in such an event, remedies at law will not be adequate. Accordingly, in addition to all other remedies available at law or in equity, and regardless of any arbitration clause or alternative dispute resolution clause that might otherwise be applicable to certain disputes between You and Fidelity, Fidelity and its Third Party Content Providers shall have the right to seek equitable and injunctive relief (including temporary or preliminary injunctive relief) from a court of law, without the necessity of proving actual damages and without posting bond, to prevent any unauthorized, negligent, or inadvertent access, use or disclosure. You hereby waive any right You may otherwise have had to challenge, in any legal proceeding, any assertion by Fidelity that Your alleged use of or access to Fidelity Websites caused Fidelity irreparable harm.

Qualifications & exceptions

  • The relief is "in addition to all other remedies" and is to prevent unauthorized, negligent or inadvertent access, use or disclosure.

Content & IP Rights · Restriction or exception

Fidelity does not waive content providers' own claims against You for unauthorized use of Third Party Content

Fidelity is not waiving, or purporting to waive, any rights the Third Party Content Providers may have to pursue claims against You or Your agents in connection with unauthorized use or disclosure of Third Party Content.

Supporting quotations

Fidelity is not waiving or purporting to waive any rights that the Third Party Content Providers may have to pursue any and all claims against You or Your agents in connection with the unauthorized use or disclosure of Third Party Content.

Account & Service Control · Permission or license

Fidelity may terminate or suspend Your access for any violation or any reason, without prior notice

Fidelity may terminate or suspend Your access to the Fidelity Websites for any violation of these Terms or for any reason whatsoever, at its sole discretion and without prior notice.

Supporting quotations

Fidelity may terminate or suspend Your access to the Fidelity Websites for any violation of the provisions of these Terms or for any reason whatsoever at its sole discretion and without prior notice.

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.

Account & Service Control · Restriction or exception

Fidelity need not question instructions sent with Your credentials and is not liable for acting on them

Fidelity is under no duty to inquire into the authority or propriety of instructions given to it by You or by a person who has logged on using Your access credentials or password. It is entitled to act on those instructions and will not be liable for any loss, cost, expense or other liability arising from them. The same passage states that nothing in the Terms alters or supersedes any rights or protections that might be provided to You under Regulation E.

Supporting quotations

Fidelity shall not be under any duty to inquire as to the authority or propriety of any instructions given to Fidelity by You or by a person who has logged on using Your access credentials or password, shall be entitled to act upon any such instructions, and will not be liable for any loss, cost, expense, or other liability arising out of any such instructions.
Nothing in these Terms alters or supersedes any rights or protections that might be provided to You under Regulation E.

Qualifications & exceptions

  • Applies to instructions given by You or by a person who has logged on using Your access credentials or password.
  • Regulation E rights or protections that might apply to You are stated not to be altered or superseded by the Terms.

Not stated here

  • The passage does not say which situations Regulation E covers, and Regulation E is not supplied in this source.

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.

Account & Service Control · Restriction or exception

Authorized users accept full responsibility for monitoring their accounts and reviewing Fidelity correspondence

As an authorized user of non-public areas of the Fidelity Websites, You accept full responsibility for monitoring Your account, including frequently checking Your account information, reviewing Your transaction history online, and promptly reviewing any correspondence, account statements and confirmations You receive from Fidelity.

Supporting quotations

As an authorized user of non-public areas of the Fidelity Websites, You accept full responsibility for the monitoring of Your account including frequently checking Your account information, reviewing Your transaction history online and promptly reviewing any correspondence, account statements and confirmations received from Fidelity.

Qualifications & exceptions

  • Applies to authorized users of non-public areas of the websites.

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.

Legal Rights & Agreement Rules · Restriction or exception

No express or implied warranties; the websites and content are provided "as is" and "as available"

Neither Fidelity nor its Third Party Content Providers make any express or implied warranties about the Fidelity Websites or their content, including Third Party Content, including but not limited to implied warranties of merchantability, fitness for a particular purpose or non-infringement. The websites and all content are made available "as is" and "as available". 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

DISCLAIMER OF WARRANTIES
NEITHER FIDELITY NOR ITS THIRD PARTY CONTENT PROVIDERS MAKE ANY EXPRESS OR IMPLIED WARRANTIES ABOUT THE FIDELITY WEBSITES OR THE CONTENT PRESENTED ON THE FIDELITY WEBSITES, INCLUSIVE OF ANY THIRD PARTY CONTENT, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THE FIDELITY WEBSITES AND ALL CONTENT IS MADE AVAILABLE TO YOU "AS IS" AND "AS AVAILABLE".
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 disclaimer is stated to be subject to state law: where a state does not allow warranties to be limited or disclaimed, some or all of these provisions may not apply.

Not stated here

  • The passage does not name the states, and the extent to which the provisions would not apply is not stated.

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.

Legal Rights & Agreement Rules · Restriction or exception

No warranty that results will be accurate or reliable or will meet Your needs, except as specifically provided

Except to the extent otherwise specifically provided, neither Fidelity nor its Third Party Content Providers warrant that results obtained from using the Fidelity Websites or their content, including Third Party Content, will be accurate or reliable, or that the websites or any products, services, information or other material purchased or obtained through them will meet Your needs or expectations. The stated state-law carve-out also applies: 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

EXCEPT TO THE EXTENT OTHERWISE SPECIFICALLY PROVIDED, NEITHER FIDELITY NOR ITS THIRD PARTY CONTENT PROVIDERS WARRANT THAT THE RESULTS OBTAINED FROM THE USE OF THE FIDELITY WEBSITES OR THE CONTENT PRESENTED ON THE FIDELITY WEBSITES, INCLUDING THIRD PARTY CONTENT, WILL BE ACCURATE OR RELIABLE, OR THAT THE FIDELITY WEBSITES OR ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE FIDELITY WEBSITES WILL MEET YOUR NEEDS OR EXPECTATIONS.
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 opening "except to the extent otherwise specifically provided" limits this disclaimer.

Not stated here

  • The passage does not say where anything is "otherwise specifically provided".

Legal Rights & Agreement Rules · Context

These Terms govern use of the Fidelity websites, and accessing them means agreeing to them

These Terms of Use govern use of Fidelity websites such as Fidelity.com and NetBenefits.com. "You" means any person or entity that accesses or attempts to access those websites, and by accessing or using them You agree to be bound by the Terms. The page states it was last updated July 1, 2026.

Supporting quotations

Last Updated: July 1, 2026
These Terms of Use (the "Terms") govern your use of Fidelity websites, such as [www.Fidelity.com](https://www.fidelity.com) and [www.NetBenefits.com](https://www.NetBenefits.com) (the "Fidelity Websites").
"You" or "Your" refers to any person or entity that accesses or attempts to access the Fidelity Websites. By accessing or using the Fidelity Websites, You agree to be bound by these Terms.

Qualifications & exceptions

  • The websites are described as "such as" Fidelity.com and NetBenefits.com, so these two are examples in the text rather than a complete list.
  • Other agreements and additional terms can take priority in a conflict; see the cards on scope and additional terms.

Not stated here

  • This passage does not list every Fidelity website the Terms cover beyond the two examples.

Legal Rights & Agreement Rules · Company practice

Fidelity may update the Terms at any time, generally without notice, and continued use means accepting them

Fidelity may update these Terms at any time. The Terms encourage You to review them carefully before using the Fidelity Websites and each time You return, because they are subject to change. The Modification of These Terms section adds that Fidelity may modify the Terms without notice to You except where required by law, will change the "Last Updated" date when it does, and treats use of the websites as Your acceptance of the Terms in effect at that time.

Supporting quotations

Fidelity may update these Terms at any time. You are encouraged to review the Terms carefully prior to using the Fidelity Websites and each time You return as they are subject to change.
Fidelity Investments may modify these Terms at any time without notice to You, except where required by law. When we make changes to these Terms, we will change the "Last Updated" date specified at the beginning of these Terms.
Use of the Fidelity Websites shall constitute acceptance by You of the Terms in effect as of such time.

Qualifications & exceptions

  • The no-notice rule is limited by "except where required by law" in the Modification section.
  • The review language is an encouragement ("encouraged to review"), not a stated duty.

Not stated here

  • Neither passage states when a change takes effect beyond acceptance by use of the Terms in effect at the time.

Legal Rights & Agreement Rules · Context

The websites are operated on behalf of several Fidelity-group entities, collectively called Fidelity

The Fidelity Websites are operated on behalf of various entities under FMR LLC that offer products and services to the public. The text gives examples: Fidelity Brokerage Services LLC (a registered broker-dealer), Strategic Advisers LLC (a registered investment adviser), Fidelity Workplace Services LLC (a workplace savings plan recordkeeper), Fidelity Digital Assets, National Association (a national trust bank) and Fidelity Stock Transfer Solutions LLC (a registered transfer agent), or any of their affiliates. Together with FMR LLC, these are referred to as "Fidelity" or "Fidelity Investments" in the Terms.

Supporting quotations

Scope
The Fidelity Websites are operated on behalf of various entities under FMR LLC that offer products and services to the public, such as Fidelity Brokerage Services LLC, a registered broker-dealer, Strategic Advisers LLC (Strategic Advisers), a registered investment adviser, Fidelity Workplace Services LLC, a workplace savings plan recordkeeper, Fidelity Digital Assets, National Association, which is a national trust bank, and Fidelity Stock Transfer Solutions LLC, a registered transfer agent, or any of their affiliates (together with FMR LLC, "Fidelity" or "Fidelity Investments").

Qualifications & exceptions

  • The entities are introduced with "such as", so they are examples and the group also includes "any of their affiliates".

Not stated here

  • This passage does not say which entity operates which part of the websites.

Legal Rights & Agreement Rules · Restriction or exception

For accountholders and workplace-benefit users, other agreements prevail over these Terms where they conflict

If You are a Fidelity accountholder, or if Fidelity Workplace Services LLC provides employee-benefit-related services to You, Your relationship with Fidelity is also governed by other agreements. Where Your use of the Fidelity Websites falls within the scope of those other agreements, and there is a conflict between them and these Terms, Your other agreements apply.

Supporting quotations

If you are a Fidelity accountholder or if Fidelity Workplace Services LLC provides employee-benefit-related services to You, Your relationship with Fidelity is also governed by other agreements. Where Your use of Fidelity Websites falls within the scope of those other agreements, to the extent that there is any conflict between these Terms and those other agreements, Your other agreements will apply.

Qualifications & exceptions

  • The priority applies only to use of the websites that falls within the scope of those other agreements and only to the extent of a conflict.

Not stated here

  • The other agreements are not part of this source, so their terms and scope are not described here.

Legal Rights & Agreement Rules · Restriction or exception

Some sections of the websites carry additional terms that govern those sections in a conflict

Certain sections of the Fidelity Websites may contain separate terms and conditions in addition to these Terms. By accessing those sections or pages You agree to be bound by the additional terms, and in a conflict the additional terms govern Your use of those sections or pages. These Terms are in addition to any Supplemental Agreement and are not intended to supersede or modify one.

Supporting quotations

Certain sections of the Fidelity Websites may contain separate terms and conditions, which are in addition to these Terms. You should read those additional terms and conditions carefully. By accessing such sections or pages, You agree to be bound by those additional terms and conditions. In the event of a conflict, those additional terms and conditions will govern Your use of those sections or pages.
These Terms are in addition to any Supplemental Agreement and are not intended to supersede or modify any such Supplemental Agreement.

Qualifications & exceptions

  • The additional terms govern only Your use of the sections or pages they apply to.
  • You are told to read the additional terms carefully.

Not stated here

  • The additional section-specific terms are not part of this source and are not described here.

Account & Service Control · Permission or license

Fidelity may require Supplemental Agreements and treats online checks or clicks as Your electronic signature

You may be asked to execute supplemental agreements (each a "Supplemental Agreement") before You are permitted to access or use certain features or functionality within the Fidelity Websites. For Supplemental Agreements presented online, You authorize Fidelity to rely on "checks" or "clicks" in designated locations as Your electronic signature and Your agreement to those terms.

Supporting quotations

You may be asked to execute supplemental agreements before You are permitted to access or use certain features or functionality within the Fidelity Websites (each, a "Supplemental Agreement").
In the case of Supplemental Agreements presented to You online, You authorize Fidelity to rely upon "checks" or "clicks" in designated locations as Your electronic signature and Your agreement to the terms of such Supplemental Agreements.

Qualifications & exceptions

  • The signature reliance covers Supplemental Agreements presented to You online and "checks" or "clicks" in designated locations.

Not stated here

  • The passage does not list which features or functionality require a Supplemental Agreement.

Legal Rights & Agreement Rules · Restriction or exception

The websites are for U.S. persons and are not an offer or solicitation to anyone else or where unlawful

The Fidelity Websites are for information and use by U.S. persons. Nothing on them is to be considered a solicitation to buy or an offer to sell a security, digital asset or any other product or service to any person who is not a U.S. person, or to anyone in a jurisdiction where such an offer, solicitation, purchase, sale or other product or service would be unlawful under that jurisdiction's laws.

Supporting quotations

Information for Non-U.S. Users
The Fidelity Websites are for information and use by U.S. persons. Nothing on the Fidelity Websites shall be considered a solicitation to buy or an offer to sell a security, digital asset, or any other product or service, to any person who is not a U.S. person or is in any jurisdiction where such offer, solicitation, purchase, sale, or other product or service would be unlawful under the laws of such jurisdiction.

Qualifications & exceptions

  • The statement is about what the website content is to be considered; it limits offers and solicitations rather than stating a separate access ban in this passage.

Not stated here

  • "U.S. person" is not defined in this passage.

Legal Rights & Agreement Rules · Restriction or exception

Each time You access the websites You are deemed to represent You are not sanctions-linked or on a prohibited list

Each time You access the Fidelity Websites for any purpose, You are deemed to represent, warrant and covenant to Fidelity that You are not (a) located in, or a national or resident of, or associated with the government of, any country subject to U.S. trade sanctions, or (b) on any U.S. prohibited party list or acting on behalf of, or owned or controlled by, any person or entity on any such list.

Supporting quotations

Each time You access the Fidelity Websites for any purpose, You shall be deemed to represent, warrant and covenant to Fidelity that You are not (a) located in, or a national or resident of, or associated with the government of, any country that is subject to U.S. trade sanctions, or (b) on any U.S. prohibited party list or acting on behalf of or owned or controlled by any person or entity on any such list.

Qualifications & exceptions

  • The representation is deemed made on each access, for any purpose.

Not stated here

  • The passage does not say what follows if the representation is untrue.

Linking & Identification · Procedure

Non-U.S. persons are directed to Fidelity International, and fund professionals to an offshore site

If You are a non-US person, You should visit Fidelity International, where You will be directed to appropriate overseas websites of affiliated and non-affiliated non-U.S. entities that offer products and services designed specifically for overseas investors. Investment professionals interested in information about certain Fidelity Funds SICAV and the Fidelity Institutional Liquidity Fund plc, which are sold to eligible investors outside the United States, should go to a separate offshore Fidelity site.

Supporting quotations

If You are a non-US person, You should visit Fidelity International at [https://www.fidelityinternational.com](https://www.fidelityinternational.com/) where You will be directed to appropriate overseas websites of affiliated and non-affiliated non-U.S. entities who offer products and services designed specifically for overseas investors.
Investment professionals interested in information about certain Fidelity Funds SICAV and the Fidelity Institutional Liquidity Fund plc, which are sold to eligible investors outside the United States, should go to

Qualifications & exceptions

  • The overseas websites may belong to affiliated or non-affiliated non-U.S. entities.

Not stated here

  • The terms of the sites to which non-U.S. persons are directed are not part of this source.

Legal Rights & Agreement Rules · Restriction or exception

Neither Fidelity nor content providers are liable for damages of any kind arising from use of the websites

Neither Fidelity nor any Third Party Content Provider will be liable to You or anyone else for damages of any kind, whether consequential, incidental, special, direct, indirect or otherwise. They expressly disclaim liability for lost profits, trading losses, business-related losses and any damages resulting from use of, or loss of use of, the Fidelity Websites and materials on them (whether provided by Fidelity or third parties), even if advised of the possibility of such damages or losses. Two stated limits apply: if You live in a state that does not allow the limitation or exclusion of liability or of incidental or consequential damages, some or all of these limitations and exclusions may not apply to You; and elsewhere the Terms state that nothing in them alters or supersedes any rights or protections that might be provided to You under Regulation E.

Supporting quotations

LIMITATION OF LIABILITY
NEITHER FIDELITY NOR ANY THIRD PARTY CONTENT PROVIDER WILL BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES OF ANY KIND, WHETHER CONSEQUENTIAL, INCIDENTAL, SPECIAL, DIRECT, INDIRECT OR OTHERWISE. FIDELITY AND ITS THIRD PARTY CONTENT PROVIDERS EXPRESSLY DISCLAIM LIABILITY FOR LOST PROFITS, TRADING LOSSES, BUSINESS-RELATED LOSSES, AND/OR ANY DAMAGES THAT RESULT FROM USE OF OR LOSS OF USE OF THE FIDELITY WEBSITES AND MATERIALS ON THE FIDELITY WEBSITES (WHETHER PROVIDED BY FIDELITY OR THIRD PARTIES). THIS DISCLAIMER OF LIABILITY APPLIES EVEN IF FIDELITY AND/OR ITS THIRD PARTY CONTENT PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES.
IF YOU LIVE IN A STATE THAT DOES NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SOME OR ALL OF THESE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.
Nothing in these Terms alters or supersedes any rights or protections that might be provided to You under Regulation E.

Qualifications & exceptions

  • State-law carve-out: some or all of the limitations and exclusions may not apply to You if Your state does not allow them.
  • The Terms state that nothing in them alters or supersedes any rights or protections that might be provided to You under Regulation E (stated in the Password Security section).

Not stated here

  • The passage does not name the states, and Regulation E is not supplied in this source, so how either limit applies to a given loss is not described here.

Legal Rights & Agreement Rules · Restriction or exception

Fidelity is not liable for losses from causes outside its direct control

Fidelity will not be liable to You or anyone else for any loss resulting from a cause over which it does not have direct control. This includes failure of electronic or mechanical equipment or communications lines (including telephone, cable and internet), unauthorized access, viruses, theft, operator errors, severe or extraordinary weather (including flood, earthquake or other act of God), fire, war, insurrection, terrorist act, riot, labor dispute and other labor problems, accident, emergency or action of government. The stated state-law carve-out for limitations and exclusions of liability also applies: some or all of them may not apply to You if Your state does not allow them.

Supporting quotations

FIDELITY WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS RESULTING FROM A CAUSE OVER WHICH FIDELITY DOES NOT HAVE DIRECT CONTROL. THIS INCLUDES FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT OR COMMUNICATIONS LINES (INCLUDING TELEPHONE, CABLE, AND INTERNET), UNAUTHORIZED ACCESS, VIRUSES, THEFT, OPERATOR ERRORS, SEVERE OR EXTRAORDINARY WEATHER (INCLUDING FLOOD, EARTHQUAKE, OR OTHER ACT OF GOD), FIRE, WAR, INSURRECTION, TERRORIST ACT, RIOT, LABOR DISPUTE AND OTHER LABOR PROBLEMS, ACCIDENT, EMERGENCY OR ACTION OF GOVERNMENT.
IF YOU LIVE IN A STATE THAT DOES NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SOME OR ALL OF THESE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.

Qualifications & exceptions

  • The listed causes are introduced with "includes", so they are examples of causes outside direct control.
  • State-law carve-out in the same section may displace some or all of these exclusions.

Charges & Financial Obligations · Restriction or exception

If liability limits are held not to apply, they apply as far as law allows, with liability capped at $100

If a court or arbitration panel determines that the limitations of liability or remedies in the Terms do not apply to You or are unenforceable for any reason, You expressly agree that the provisions will be construed to apply to the maximum extent permitted by law, and that under no circumstances will the total, aggregate liability of Fidelity and all Third Party Content Providers for any cause relating to this agreement, the Fidelity Websites, or any Fidelity or Third Party Content on them exceed $100.

Supporting quotations

IF THE LIMITATIONS OF LIABILITIES OR REMEDIES IN THESE TERMS ARE DETERMINED BY A COURT OR ARBITRATION PANEL TO NOT APPLY TO YOU OR TO BE UNENFORCEABLE FOR ANY REASON, THEN YOU EXPRESSLY AGREE THAT THESE PROVISIONS WILL BE CONSTRUED TO APPLY TO THE MAXIMUM EXTENT PERMITTED BY LAW AND THAT UNDER NO CIRCUMSTANCES WILL THE TOTAL, AGGREGATE LIABILITY OF FIDELITY AND ALL THIRD PARTY CONTENT PROVIDERS FOR ANY CAUSE WHATSOEVER RELATING TO THIS AGREEMENT, THE FIDELITY WEBSITES, OR ANY FIDELITY OR THIRD PARTY CONTENT ON THE FIDELITY WEBSITES, EXCEED $100.
Nothing in these Terms alters or supersedes any rights or protections that might be provided to You under Regulation E.

Qualifications & exceptions

  • The $100 cap is stated as part of the consequence of a court or arbitration panel determining that the limitations do not apply or are unenforceable.
  • The Terms state that nothing in them alters or supersedes any rights or protections that might be provided to You under Regulation E (stated in the Password Security section).

Not stated here

  • The passage does not say whether the $100 figure is meant to apply in any circumstance other than that determination.
  • The passage mentions an arbitration panel, but these Terms' own dispute clause points to courts; other agreements are not part of this source.
  • Regulation E is not supplied in this source, so how the cap would interact with those rights or protections is not described here.

Legal Rights & Agreement Rules · Restriction or exception

You agree to indemnify Fidelity and its content providers for claims from Your misuse or violation of the Terms

As a condition of Your use of the Fidelity Websites, You agree to indemnify and hold Fidelity and its Third Party Content Providers harmless from any and all claims, losses, liability, costs and expenses (including but not limited to attorneys' fees) arising from Your misuse of the websites or of any Fidelity or Third Party Content on them, or from Your violation of these Terms.

Supporting quotations

Indemnification
As a condition of Your use of the Fidelity Websites, You agree to indemnify and hold Fidelity and its Third Party Content Providers harmless from and against any and all claims, losses, liability, costs, and expenses (including but not limited to attorneys' fees) arising from Your misuse of the Fidelity Websites or any Fidelity or Third Party Content on the Fidelity Websites, or from Your violation of these Terms.

Qualifications & exceptions

  • Stated as a condition of use and limited to claims and losses arising from misuse or violation of the Terms.

Legal Rights & Agreement Rules · Company practice

Fidelity may change the Terms without notice except where law requires it, and continued use is acceptance

Fidelity Investments may modify the Terms at any time without notice to You, except where required by law. When it makes changes it will change the "Last Updated" date at the beginning of the Terms. The most current version can be reviewed through the "Terms of Use" link at the bottom of the Fidelity Websites. Use of the websites constitutes Your acceptance of the Terms in effect as of that time.

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Modification of These Terms
Fidelity Investments may modify these Terms at any time without notice to You, except where required by law. When we make changes to these Terms, we will change the "Last Updated" date specified at the beginning of these Terms. The most current version of these Terms can be reviewed by clicking on the "Terms of Use" link located at the bottom of the Fidelity Websites. Use of the Fidelity Websites shall constitute acceptance by You of the Terms in effect as of such time.
Fidelity may update these Terms at any time. You are encouraged to review the Terms carefully prior to using the Fidelity Websites and each time You return as they are subject to change.

Qualifications & exceptions

  • The no-notice rule is limited by "except where required by law".
  • Notice of a change is described as an updated "Last Updated" date and the current Terms being available through the footer link.

Not stated here

  • The passage does not say whether a changed "Last Updated" date is the only signal, or when a change takes effect.

Legal Rights & Agreement Rules · Context

Massachusetts law governs the Terms, which also benefit Fidelity's successors and assigns

These Terms and their enforcement are governed by the laws of the Commonwealth of Massachusetts, without regard to conflicts of law, and inure to the benefit of Fidelity's successors and assigns, whether by merger, consolidation or otherwise.

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These Terms and their enforcement are governed by the laws of the Commonwealth of Massachusetts, without regard to conflicts of law, and shall inure to the benefit of Fidelity's successors and assigns, whether by merger, consolidation, or otherwise.
Where Your use of Fidelity Websites falls within the scope of those other agreements, to the extent that there is any conflict between these Terms and those other agreements, Your other agreements will apply.

Qualifications & exceptions

  • For accountholders and workplace-benefit users, the Scope section says other agreements apply where they conflict with these Terms.

Not stated here

  • Other agreements and additional section terms are not part of this source, so whether they set different governing law is not described here.

Legal Rights & Agreement Rules · Restriction or exception

Disputes go to Massachusetts federal or Suffolk County courts unless Fidelity agrees in writing to another forum

Absent Fidelity's express written agreement to another forum, all disputes arising from or related to the Terms must be brought, heard and determined in the United States District Court for the District of Massachusetts or, if that court lacks subject matter jurisdiction, the courts of the Commonwealth of Massachusetts sitting in Suffolk County. By using the Fidelity Websites You submit to those courts' jurisdiction and waive the right to argue that You are not personally subject to their jurisdiction, that the forum is inconvenient, or that venue is improper.

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Governing law, Choice of Forum, and Class Action Waiver
Absent Fidelity's express written agreement to another forum, any and all disputes arising from or in any way related to these Terms shall be brought, heard, and determined in the United States District Court for the District of Massachusetts or, if such court does not have subject matter jurisdiction, the courts of the Commonwealth of Massachusetts sitting in Suffolk County. By using the Fidelity Websites, You submit to the jurisdiction of such courts in connection with any such claim, suit, action, or proceeding and agree not to, and waive any right to, assert in any such claim, suit, action, or proceeding that (a) You are not personally subject to the jurisdiction of such courts or any other court to which proceedings in such courts may be appealed, (b) such claim, suit, action, or proceeding is brought in an inconvenient forum, or (c) the venue of such claim, suit, action, or proceeding is improper.
Where Your use of Fidelity Websites falls within the scope of those other agreements, to the extent that there is any conflict between these Terms and those other agreements, Your other agreements will apply.

Qualifications & exceptions

  • Another forum is possible only with Fidelity's express written agreement.
  • For accountholders and workplace-benefit users, the Scope section says other agreements apply where they conflict with these Terms.

Not stated here

  • Other agreements and additional section terms are not part of this source, so whether they set a different forum or dispute process is not described here.

Legal Rights & Agreement Rules · Restriction or exception

Disputes proceed on an individual basis only; class, collective and representative actions are excluded

Any proceedings to resolve or litigate a dispute arising from the Terms or Your use of the Fidelity Websites will be conducted solely on an individual basis. Neither You nor Fidelity will bring such proceedings, or seek to have them heard, as a plaintiff or class member in any purported class, collective, consolidated, private attorney general or representative action.

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ANY PROCEEDINGS TO RESOLVE OR LITIGATE ANY DISPUTE ARISING FROM THESE TERMS AND/OR YOUR USE OF THE FIDELITY WEBSITES WILL BE CONDUCTED SOLELY ON AN INDIVIDUAL BASIS. NEITHER YOU NOR FIDELITY WILL BRING SUCH PROCEEDINGS OR SEEK TO HAVE SUCH PROCEEDINGS HEARD AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE ACTION.
Where Your use of Fidelity Websites falls within the scope of those other agreements, to the extent that there is any conflict between these Terms and those other agreements, Your other agreements will apply.

Qualifications & exceptions

  • For accountholders and workplace-benefit users, the Scope section says other agreements apply where they conflict with these Terms.

Not stated here

  • Other agreements and additional section terms are not part of this source, so whether they treat class or representative actions differently is not described here.

Legal Rights & Agreement Rules · Context

If a provision is unenforceable, it is enforced as far as permissible and the rest remains in effect

If a court of competent jurisdiction deems any provision of the Terms unenforceable or in conflict with applicable laws, rules or regulations, present or future, that provision will be enforced to the maximum extent permissible and the remaining provisions remain in full force and effect.

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Severability
If a court of competent jurisdiction deems any provision of these Terms to be unenforceable or in conflict with applicable laws, rules, or regulations, either present or future, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

Account & Service Control · Procedure

Questions about the Terms or Your account go through Fidelity's customer service contact page or link

For questions about the Terms, Your account or other concerns or inquiries, Fidelity asks You to contact it. Contact information is on Fidelity's customer-service contact page, or through the customer service link or icon at the top of the screen after You log into Your account on the Fidelity Websites.

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Contact Us
For questions about these Terms, Your account, or other concerns or inquiries, please contact us. Contact information is available at [www.fidelity.com/customer-service/contact-us](https://www.fidelity.com/customer-service/contact-us) or by clicking the customer service link or icon at the top of the screen after logging into Your account on the Fidelity Websites.