Privacy at Fidelity

Fidelity Investments privacy policy

• How and why we obtain and use personal information

  Fidelity recognizes the importance of maintaining personal information about you and when we use it, we do so with respect for your privacy. We obtain and use personal information about you to service, maintain, and protect your account; process transactions in your account; respond to inquiries from you or your representative; develop, offer, and deliver products and services; operate and manage our business; and fulfill legal and regulatory requirements. Fidelity collects public and non-public personal information from customers and visitors from various sources. Some examples include:

  • You or your representative on applications or forms (for example, when you interact with our customer service staff, and when you visit our websites or use our applications)
  • You or your representative regarding your preferences (for example, your choice of electronic statement delivery, or the screen layout you specify if you use our websites)
  • You or your employer or plan sponsor if Fidelity provides them with recordkeeping and/or employee benefits advisory services (for example, payroll, human resources, or benefits information)
  • Transactional activity in your account (for example, trading history and balances)
  • Other interactions with Fidelity (for example, discussions with our customer service staff, including telephone or chat, information you enter into our websites, or when you enroll in our authentication services)
  • Information from consumer reporting agencies (for example, to assess your creditworthiness for margin products)
  • Information from other third-party sources (for example, to verify your identity and to better understand your product and service needs)
  • Other sources with your consent or with the consent of your representative (for example, from other institutions if you transfer positions into Fidelity)  

  Please note that information by which you cannot be identified (for example, anonymous or aggregated information) is not considered personal information and therefore is not subject to this privacy policy.

• How we protect information about you

  We implement and maintain physical, administrative, technical, and organizational measures designed to protect personal information, and we regularly adapt these controls to respond to changing requirements and advances in technology.

  At Fidelity, we restrict access to personal information to those who require it to develop, support, offer, and deliver products and services and to operate our business.

• How we share information about you with third parties

  Fidelity does not share or sell personal information about our customers with unaffiliated third parties for use in marketing their products and services. We may share personal information with the following entities:


  • Unaffiliated service providers (for example, printing and mailing companies, securities clearinghouses, marketing service providers, and other entities who may provide services at Fidelity's direction)
  • Government agencies, other regulatory bodies and law enforcement officials (for example, for tax purposes or for reporting suspicious transactions)
  • Other third parties with your consent or as directed by your representative (for example, if you request to transfer assets from another financial institution, or if you use an external aggregation website or service that you have provided permission to access your Fidelity financial account on your behalf)
  • Other third parties with products, services, and investment offerings that are made available through Fidelity and that you decide to utilize
  • Other organizations as permitted or required by law (for example, for fraud prevention or to respond to a subpoena) m
  • In connection with corporate business transactions, such as a merger or sale of a business.


  Our service providers are obligated to keep the personal information we share with them confidential and to use it only to provide services specified by Fidelity.


  In addition, if you choose to use or indicate your interest in using a product, service, or investment offering that is offered by a third party and made available through Fidelity, we may share personal information with that third party in connection with your use of or interest of that product, service, or investment offering.


  Depending on the nature of your relationship with Fidelity, we may exchange information with other third parties as described below:


  • If Fidelity provides workplace services to your employer or plan sponsor, such as payroll, human resources, or employee benefits advisory or recordkeeping services, Fidelity may exchange any information received in connection with such services with your employer or plan sponsor or others they may authorize.
  • If you conduct business with Fidelity through your investment professional, we may exchange information we collect with your investment professional or with others they may authorize.
  • If you transact business through Fidelity's life insurance companies, we may share personal information with and obtain information about you from an insurance support organization. The insurance support organization may further share your information with other insurers, as permitted by law. We may also share medical information about you to learn if you qualify for coverage, to process claims, to prevent fraud, or otherwise at your direction, as permitted by law.
• How we share information about you with our affiliates

  We may provide personal information about you to various Fidelity corporate affiliates, including internal service providers that perform printing, mailing, data processing, or other services.


  If you interact with Fidelity directly as an individual investor (including joint account holders), we may provide certain information about you to Fidelity affiliates, such as our brokerage and insurance companies, for their use in marketing products and services as allowed by law.


  Where Fidelity provides services to you under an arrangement with your employer or plan sponsor, to the extent permitted by you or under our agreement with your employer or plan sponsor and as allowed by law, we may provide information about you to Fidelity's affiliates, such as our brokerage and insurance companies, for their use in marketing products and services.

  Information collected from investment professionals' customers is not provided to Fidelity affiliates for marketing purposes, except with your or your representatives' consent and as allowed by law.

Fidelity Funds privacy policy

• How the Fidelity Funds obtain and use personal information

  Protecting your personal information is an important priority for the Fidelity Funds. The Funds' privacy policy is designed to support this objective. The Funds collect nonpublic personal information concerning you in the following ways:


  • Information provided by you or your representative on applications or other forms furnished to the Funds or through other interactions that you or your representative have with the Funds
  • Information arising from your investments in or accounts with the Funds
  • Information the Funds receive from a consumer reporting agency


  The Funds employ physical, electronic, and procedural controls to safeguard your information. For example, the Funds authorize access to your personal and account information only for personnel who need that information in order to provide products or services to you.


  The Funds do not disclose any non-public personal information about you, except as permitted or required by law. For example, the Funds have entered into a number of arrangements with Fidelity Investments and its affiliates as well as unaffiliated third-party service providers to provide for investment management, distribution, transfer agent, administration, valuation and other services to the Funds and Fund Advisors.

  If you decide to close your account, the Funds will continue to adhere to the privacy policies and practices as described in this policy.


  Please read the Fidelity Funds privacy policy in conjunction with the privacy policies for any Fidelity Investments companies you’re a customer of.


  The Fidelity Funds privacy policy is provided on behalf of the Fidelity Investments family of mutual funds, including those advised by Strategic Advisers LLC and Fidelity Diversifying Solutions LLC.

• Advertising on Fidelity digital offerings

  Fidelity advertises on its own digital offerings (including our mobile applications), and when we do, we may use information about your relationship with us, such as the types of accounts you have, to tailor advertisements and communications about Fidelity and third-party products and services that may be of interest to you.


  We may also use third-party service providers to help us determine which Fidelity products and services may be of interest to you. These service providers may collect information about your activity on Fidelity digital offerings by using cookies and other technologies to analyze, for example, pages visited, search engine referrals, browsing patterns, and responses to advertisements and promotions. Such service providers may only collect and use such information only for purposes specified by Fidelity and not for their own purposes.

• Advertising on non-Fidelity digital offerings

  Fidelity also advertises our products and services on digital offerings not affiliated with Fidelity, and we contract with third-party advertising companies, such as Meta, to display these ads. These third-party advertising companies may use cookies and similar technologies to collect technical and web navigational information, such as device type, browser type, internet protocol address, pages visited, and time stamps.


  Fidelity and these third-party online advertising companies may use the data collected, along with other information we have about you and your Fidelity relationships, to serve relevant ads to you and to measure the success of our advertising campaigns. The advertisements may be relevant to your interests, as determined by your activity on Fidelity and non-Fidelity websites. These are known as "interest-based advertisements." 


  You may opt out of receiving interest-based advertisements from online advertising companies, including those used by Fidelity, by selecting the AdChoices icon and following the opt-out instructions.


  If you generally want to opt out of receiving online interest-based advertisements on your internet browser from advertisers and third parties that participate in self-regulatory programs like the Digital Advertising Alliance (DAA) program or the Network Advertising Initiative (NAI), please follow the instructions at WebChoices: Digital Advertising Alliance's Consumer Choice Tool for Web US (aboutads.info) and NAI Consumer Opt Out (networkadvertising.org) to place an opt-out cookie on your device, indicating that you do not want to receive interest-based advertisements. If you want to opt out of receiving online interest-based advertisements on mobile devices, please follow the instructions at YourAdChoices.com | AppChoices and Mobile Opt Out - NAI: Network Advertising Initiative (thenai.org).

• Connecting with Fidelity on social media platforms

  Fidelity provides experiences on social media platforms that enable online sharing and collaboration among users who have registered to use them. We may collect information you provide by interacting with us via social media, such as photographs, opinions, or social media account ID. Any content you post, such as pictures, information, opinions, or personal information that you make available to other participants on these social platforms, is also subject to the terms of use and privacy policies of those platforms. Please refer to them to better understand your rights and obligations with regard to such content.

• Third-party websites, online service, and content

  Our digital offerings may contain links to third-party websites and online services (for example, social media platforms) and may include embedded content that is hosted by third parties. This policy does not address the privacy, security, cookie policy and settings, or other practices of the third parties that provide such websites, online services, or content, and we are not responsible for the privacy practices or the content of these other websites, online services, or content providers. If you use a link to another website or online service or view third-party content (for example, an embedded video), please consult the privacy policy for that website or online service for additional information on their privacy practices and advertising opt-out instructions.

• Children's privacy

  In general, Fidelity's digital offerings are not directed to individuals under the age of 13. Fidelity does not intentionally collect information on Fidelity websites from those we know are under 13, and we request that these individuals do not provide personal information through our digital offerings. If we do provide a digital offering that is intended to be used by individuals under the age of 13, it will have a separate privacy policy.

• Additional information

  If you are a former customer, this policy also applies to you; we treat your information with the same care as we do information about current customers.


  Fidelity offers several options for accessing and, if necessary, correcting your account information. You can review your information using your statements, or through our automated telephone system or our digital offerings. You may also write or call us with your request for information. If you transact business through Fidelity's life insurance companies, you are entitled to receive, upon written request, a record of any disclosures of your medical record information. If we serve you through an investment professional, please contact them directly. Specific internet addresses, mailing addresses, and telephone numbers are listed on your statements and other correspondence.

• Your rights under the CCPA

  The CCPA gives certain rights to California residents and imposes certain obligations on those businesses that are subject to the CCPA. As required by the CCPA, set forth below is a description of certain rights that California residents generally have under the CCPA. As used below, a 'consumer' means a resident of the state of California, and a 'covered business' means a business that is subject to the CCPA.


  • Right to Know and Right to Access. A consumer has the right to request that a covered business that collects a consumer's personal information disclose to that consumer the categories and specific pieces of information the business has collected. A consumer also has the right to request that a covered business that collects a consumer's personal information disclose to that consumer the following:

    1. The categories of personal information it has collected about that consumer
    2. The categories of sources from which the personal information is collected
    3. The business or commercial purpose for collecting, selling, or sharing (if applicable) personal information
    4. The categories of third parties to whom the covered business discloses personal information
    5. The specific pieces of personal information that the covered business has collected about that consumer


  These disclosures don’t have to include any information about activity that occurred before January 1, 2022. Please also note that a covered business is not required to honor more than 2 of these requests from the same consumer during any 12-month period.

  • Right to Delete. A consumer has the right to request that a covered business delete any personal information that the business has collected from the consumer, subject to certain exceptions.
  • Right to Correct. A consumer has the right to request that a covered business correct inaccurate personal information that a business maintains about a consumer.
  • Right to Opt Out of Sale or Sharing. If a covered business sells or shares personal information, a consumer has the right to opt-out of the sale or sharing of their personal information by the business.
  • Right to Limit Use and Disclosure of Sensitive Personal Information. If a covered business uses or discloses sensitive personal information for reasons other than those set forth in the CCPA, a consumer has the right to limit the use or disclosure of sensitive personal information by the business.
  • Nondiscrimination. A consumer has the right not to receive discriminatory treatment by the covered business for the exercise of privacy rights conferred by the CCPA.
• Categories of personal information we may collect about you

  In general, if you are a customer of ours or you otherwise interact with us, we collect various types of personal information about you. The amount and types of personal information we collect will vary depending on the nature of your relationship and your interactions with us, and on the products and services that we provide to you. We may collect the following categories of information about you:


  • Personal identifiers, such as your name, postal address, email address, online identifier, internet protocol address, account name, or other similar identifiers
  • Information covered by California's records-destruction law (California Civil Code §1798.80), such as your signature, telephone number, and financial account information
  • Commercial information, including products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies
  • Characteristics of protected classifications under California or federal law - for example, gender
  • Biometric information, such as when you use our voice-recognition service that we use for identity-verification and security purposes
  • Internet or electronic network activity information, including but not limited to browsing history, search history, and other information regarding your interactions with our digital offerings or our advertisements
  • Geolocation data
  • Audio, electronic, visual, and similar data, such as call recordings
  • Professional or employment-related information, such as job title and business contact information
  • Education information
  • Inferences drawn from any of the information listed above to create a profile about you, such as a profile that reflects your preferences, characteristics, behavior, and attitudes
  • Sensitive personal information, including Social Security number, account login, password, or credentials allowing access to your account(s) or to our digital offerings


  The retention periods for data elements within each category listed above vary depending on the nature of the data element and the purposes for which it is collected and used. Our retention period for the data elements within each category is set according to the following criteria: (1) the length of time that the data element is needed for the purposes for which it was created or collected; (2) the length of time the data element is needed for other operational or record retention purposes; (3) the length of time the data is needed in connection with our legal, compliance, and regulatory requirements; legal defense and legal holds; (4) how the data element is stored; (5) whether the data element is needed for security purposes and fraud prevention; and (6) whether the data element is needed to ensure the continuity of our products and services.

• Categories of sources from which personal information is collected

  In addition to the sources described in the section entitled "How and why we obtain and use personal information," under ‘Collection, use, and sharing of personal information,’ depending on the nature of your relationship and your interactions with us, and on the products and services that we provide to you, we may obtain personal information from the following sources:


  • You or your representative, such as when using our products, services, or digital offerings, when interacting with us or any of our service providers regarding our products, services, or digital offerings; or when otherwise communicating with us
  • Providers of publicly available information
  • Another person or other people (typically people who know you) who provide referral information about you to us or who use the capabilities we offer on specific websites and applications to forward an article or other information to you
  • Third parties that provide products or services to you through your relationship with us
  • Third parties that perform services for us or on our behalf
  • Other third-party sources, including government sources, data brokers, and social networks
  • Automatically, via technologies such as cookies and web beacons, when you interact with our digital offerings or electronic communications
• Why we collect personal information

  Please see the section entitled 'How and why we obtain and use personal information,' under ‘Collection, use, and sharing of personal information,’ for a description of some of the business or commercial purposes for which we collect personal information, including sensitive personal information. In addition to those purposes, below are additional business or commercial purposes for which we collect personal information:


  • To provide you with information about products and services that may interest you
  • To maintain the accuracy and integrity of our records
  • For marketing and communication purposes
  • For reporting and analytical purposes
  • For personalizing your interactions and experiences with us
  • For training and quality-control measures
  • To verify your identity
  • To protect against malicious, fraudulent, or illegal activity
  • For business analysis, planning, and reporting
  • For customer education
  • For effectiveness measurement
• Categories of personal information disclosed for business purposes

  Like most businesses, we disclose personal information, including in some cases certain sensitive personal information, to third parties for our business purposes. Depending on the nature of your relationship and your interactions with us, and on the products and services that we provide to you, we disclose, to third parties for business purposes, the personal information that is encompassed by one or more of the categories described in the 'Categories of personal information we may collect about you' section, with the categories of third parties listed in the section entitled "How we share information about you with third parties".

• Selling or sharing of personal information

  We DO NOT sell your personal information for payment or for any other compensation. However, some of the ways in which we share your personal information with third parties on certain of our websites may, under the CCPA, be considered to be a 'sale' of personal information or 'sharing' of personal information for 'cross-context behavioral advertising' (as those terms are used in the CCPA).

  We engage third-party service providers, including marketing and advertising providers, and social media platforms ("providers" ) to personalize your browsing experience on our websites, to provide certain targeted advertising services for us, and to help us measure the effectiveness of our websites and our online advertising. When you visit our websites, we and our providers collect certain information about your activity on our websites, including cookies and similar data stored on or collected from your browser or device. In some cases, our providers may combine this information collected on our websites with information about your activity on other, unaffiliated websites or social media platforms to deliver our ads to you when you are visiting other websites or platforms. This sharing of your information with certain third parties via cookies and similar methods, and our providers' use of certain cookies, may be considered to be a 'sale' of personal information or 'sharing' of personal information for 'cross-context behavioral advertising' under the CCPA.

  California residents covered by the CCPA have the right to opt out of this "sale" or "sharing" of personal information. For those Websites where we engage in these activities and are covered by the CCPA, if we determine that you are visiting the Website from a location in California, you will see a "Do Not Sell or Share my Personal Information" link on the footer of the Website's homepage. To opt out of this sale or sharing of your personal information, please click on the link and follow the prompts.

  Note that Fidelity permits all visitors to certain portions of our Fidelity.com website (for example, the homepage at Fidelity.com) to automatically exercise their right to opt out of this sale or sharing of this personal information, through the use of the Global Privacy Control (GPC) signal, without having to make individualized opt-out requests. If you've enabled the GPC signal in your browser, we will honor your request to opt out of this sale or sharing of personal information as communicated via the GPC signal. These opt-outs (whether via the toggle above or via the GPC signal) are a setting that is specific to the device or browser you're using. You'll need to opt out again if you visit our applicable websites from a different device or browser, change your browser settings, or clear your cookies.

  In the 12 months preceding the date of this notice, we 'sold' or 'shared' personal information for 'cross-context behavioral advertising', with respect to California residents covered by the CCPA. We do not knowingly 'sell' or 'share' for 'cross-context behavioral advertising' personal information of minors under 16 years of age.

• CCPA exemptions

  Please note that certain types of personal information collected or maintained by a covered business are exempt from the CCPA. For example, a covered business has limited obligations, or, in some cases, no obligations, under the CCPA with regard to the following types of personal information:


  • Personal information collected, processed, sold, or disclosed pursuant to the federal Gramm-Leach-Bliley Act (Public Law 106-102) and implementing regulations, or pursuant to the California Financial Information Privacy Act (Division 1.4 [commencing with Section 4050] of the California Financial Code)
  • Medical information governed by the Confidentiality of Medical Information Act or protected health information that is collected by a covered entity or business associate pursuant to the Health Insurance Portability and Accountability Act of 1996


  In addition, some businesses are not subject to the CCPA, such as the following:


  • A business that does not do business in the state of California
  • A business that is not organized or operated for the profit of financial benefit of its shareholders or other owners
  • A business that does not determine the purposes and means of the processing of consumers' personal information
  • A business that has annual gross revenue of $25,000,000 or less


  CCPA may refuse to honor a CCPA request to delete a consumer's personal information and is allowed to continue to maintain the personal information. Some examples include situations in which retention of the personal information is reasonably necessary to the following:


  • Complete the transaction for which the personal information was collected, provide a good or service requested by the consumer or reasonably anticipated within the context of the covered business's ongoing business relationship with the consumer, or otherwise perform a contract between the Fidelity company and the consumer
  • Help to ensure security and integrity to the extent the use of the personal information is reasonably necessary and proportionate for those purposes
  • Debug to identify and repair errors that impair existing intended functionality
  • Exercise free speech, ensure the right of another consumer to exercise that consumer's right of free speech, or exercise another right provided by law
  • Enable solely internal uses that are reasonably aligned with consumer expectations based on the consumer's relationship with the business and compatible with the context in which the consumer provided the information
  • Comply with a legal obligation


  Please note that the description of the CCPA set forth in this privacy policy is a summary of only certain aspects of the CCPA and is not and should not be considered a complete description of the CCPA. In addition to what is described above, the CCPA includes other exemptions that apply to particular types of personal information and particular businesses, as well as additional situations in which a covered business is not required to honor a consumer's request to delete the consumer's personal information.

• Submitting a CCPA request

  If you wish to submit a CCPA request to any of the Fidelity companies listed in this privacy policy, you may initiate your request through one of the options provided on our California Privacy Rights Request page. Before submitting your request, please ensure that you have reviewed all the CCPA exemptions, including those described above under the section entitled "CCPA Exemptions".


  You should generally expect to receive a response within 45 days of the date we receive your request. However, in some instances, we may require an additional 45 days to process your request, in which case we will notify you and explain why the extension is necessary.


  We will need to verify your identity before we can process your request. Through the request process, we will make you aware of any information that you will need to provide to us to process your request. You may have to confirm that you are a California resident and verify your identity or the identities of those authorized to submit requests on your behalf. Additionally, the information you provide will be used to help verify your identity.


  To understand how you can designate an authorized agent with the ability to make a request under the CCPA on your behalf, please refer to our California Privacy Rights Request page.


  Fidelity companies covered by this privacy policy received 12 CCPA requests for disclosure of personal information (request to know) and 18 CCPA requests for deletion of personal information (request to delete) from January 1, 2023 and December 31, 2023. Fidelity companies responded to each of these requests in an average of 7.5 days.