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Terms of Use

Before investing, consider the investment objectives, risks, charges and expenses of the fund, 529 or annuity and its investment options. Contact Fidelity for a prospectus or fact kit containing this information. Read it carefully.

Terms of Use

These Terms of Use were last modified in May 2013.

Terms of Use and your acceptance of them. Read before continuing.

FMR LLC is pleased to provide you with the information, content, tools, products and services on all Fidelity Sites (the term "Fidelity Sites" refers to all Fidelity web sites, as well as to the content on them). Because these Terms of Use cover multiple web sites, some terms may refer to items that are available only on certain Fidelity sites. These Terms of Use also include some important disclosures and information related to certain products and services. Your use of Fidelity Sites is subject to these Terms of Use ("Terms"). There are many different Fidelity companies ("Fidelity Entities"), and their affiliates, that provide information, content, tools, products and services on and through the Fidelity Sites. These Fidelity Entities are identified below and in each part of the Fidelity Sites where they provide such information, content and services.

These Terms are a binding agreement between you and the Fidelity Entities listed below, as well as their U.S. affiliates ("Fidelity"). By using or accessing the Fidelity Sites, you accept and agree to be bound by these Terms. Your use of Fidelity Sites is governed by the version of the Terms in effect on the date each Fidelity Site is accessed by you. Fidelity may modify these Terms at any time and without prior notice. You should review the most current version of these Terms by visiting a Fidelity Site and clicking on the Terms of Use hyperlink located at the bottom of the page. These Terms are in addition to any other agreements between you and Fidelity, including any customer or account agreements, and any other agreements that govern your use of information, content, tools, products and services available on and through the Fidelity Sites.

Contents

 

Use of Fidelity sites

The Fidelity Sites are intended only for your personal, non-commercial use, unless you and Fidelity have agreed otherwise in writing.

 

Fidelity sites and companies

FMR LLC is the parent company of various Fidelity Entities. Some of these Fidelity Entities are financial services companies, that may be registered under federal or state laws, and others are not regulated as such and may, for example, provide information and content publishing services. A listing of all Fidelity Entities, that provide content on the Fidelity Sites, is listed below.

Portions of certain Fidelity Sites are published or selected by Fidelity Interactive Content Services LLC ("FICS"). FICS is a company with main offices in New York, NY. FICS seeks to present objective news, information, data and guidance on personal finance topics drawn from a diverse collection of sources including affiliated and non-affiliated financial services publications and FICS-created content. Content drawn from FICS affiliated entities is marked and labeled as such. FICS selected and published content is not intended to provide tax, legal, insurance or investment advice and should not be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by any Fidelity Entity or any third party. Certain tools published by FICS may provide general information and guidance based upon your personalized input. Securities quotes are delayed unless otherwise noted. FICS is owned by FMR LLC and is an affiliate of Fidelity Brokerage Services LLC, among others.

The following investments and brokerage products and services are offered through Fidelity Sites by the Fidelity Entity indicated. These four Fidelity Entities are also broker-dealers:

Retail brokerage accounts and trading products and services, the FundsNetwork® Program, and investment and workplace savings plan products and services offered directly to investors and plan sponsors are offered by:

  • Fidelity Brokerage Services LLC ("FBS"), Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 Investment and workplace savings plan products and services distributed through investment professionals are offered by:
  • Fidelity Investments Institutional Services Company, Inc. ("FIIS"), 82 Devonshire Street, Boston, MA 02109
  • Fidelity Mutual Funds are offered by:
  • Fidelity Distributors Corporation ("FDC"), 82 Devonshire Street, Boston, MA 02109
  • Institutional products and services are offered by:
  • National Financial Services LLC ("NF"), Member NYSE, SIPC, 200 Seaport Boulevard, Boston, MA 02110
  • The following is a selected list of various Fidelity Entities that also provide information, content, tools and products and services through a Fidelity Site:
  • Strategic Advisers, Inc. (SAI), a registered investment advisor
  • Fidelity Personal Trust Company, FSB ("FPT"), a federal savings bank
  • Fidelity Management Trust Company ("FMTC")
  • Fidelity Interactive Content Services LLC
  • Fidelity Investments Institutional Services Company, Inc. ("FIIS")
  • Fidelity Insurance Agency, Inc.
  • Fidelity Investments Life Insurance Company ("FILI")
  • Empire Fidelity Investments Life Insurance Company, New York, NY
 

Professionally managed accounts

Fidelity Portfolio Advisory Service® is a service of Strategic Advisers, Inc., a registered investment adviser and a Fidelity Entity. Fidelity Private Portfolio Service® may be offered through the following Fidelity Entities: Strategic Advisers, Inc., FPT or FMTC. Non-deposit investment products and trust services offered through FPT and FMTC and their affiliates are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency, are not obligations of any bank, and are subject to risk, including possible loss of principal. These services provide discretionary money management for a fee.

 

Mutual funds

An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund.

Before investing, consider the investment objectives, risks, charges and expenses of the fund and its investment options. Contact Fidelity for a prospectus containing this information. Read it carefully.

 

Life insurance and variable annuities

Before investing, consider the investment objectives, risks, charges and expenses of the fund or annuity and its investment options. Contact Fidelity for a prospectus containing this information. Read it carefully.

Fidelity Brokerage Services LLC, Member NYSE, SIPC and/or Fidelity Insurance Agency, Inc., distribute fixed and variable insurance products issued by Fidelity Investments Life Insurance Company, Empire Fidelity Investments Life Insurance Company, New York, NY, and certain third party insurance companies, which are not affiliated with Fidelity Investments.

 

Workplace savings plans

Some of the funds and services described on the Fidelity Sites may not be available or appropriate in a workplace savings plan. Check with your employer for information on any investment restrictions associated with your 401(k), 401(a), 403(b), or 457 savings plan, or nonqualified deferred compensation plan at work. Or, if your workplace savings plan is already with Fidelity, call your toll-free retirement benefits line or log on to Fidelity NetBenefits® to find out more about the investment options available to you in your workplace savings plan.

If you hold Fidelity Advisor Fund assets outside of your employer-sponsored retirement plan, accounts with such assets are not included in the list of Fidelity accounts.

Company Stock Funds are not mutual funds and are unmanaged, non-diversified investment options. The value of your investment in the Company Stock Fund is affected by the performance of the company and the overall stock market, as well as the amount and performance of any short term investments held by the fund.

Managed Income Funds, Commingled Pools and individually managed options, such as Strategies, are not mutual funds. Although individual investment contracts purchased for a managed income fund are backed by the issuer of the debt, units of the fund are not guaranteed by the manager, Plan sponsor or insured by the FDIC.

A summary of the benefits provided under a workplace savings plan is contained in the Summary Plan Description for the plan. Full details are provided in the official plan text, which governs the operation of the plan. In the event that the content of a Fidelity Site or any oral representations made by any person regarding the plan conflict with or are inconsistent with the provisions of the Summary Plan Description, the provisions of the Summary Plan Descriptions are controlling. The information presented on a Fidelity Site is not intended to create, nor is it to be construed to create, a contract between (1) an employer or a Fidelity Entity and (2) any one of the employer's employees or other plan participants. Each employer reserves the right to amend, modify, suspend, replace or terminate any of its plans, policies or programs, in whole or in part, including any level or form of coverage, by appropriate company action, without the consent or concurrence of persons affected.

 

529 College Savings Plans

The UNIQUE College Investing Plan, U.Fund College Investing Plan®, Delaware College Investment Plan, and the Fidelity Arizona College Savings Plan are offered by the State of New Hampshire, MEFA, the State of Delaware, and the Arizona Commission for Postsecondary Education, respectively, and managed by Fidelity. If you or the designated beneficiary are not a New Hampshire, Massachusetts, Delaware, or Arizona, you may want to consider, before investing, whether your or the designated beneficiary's home state offers its residents a plan with alternate state tax advantages or other benefits.

Units of the College Savings Plan Portfolios are municipal securities and may be subject to market volatility and fluctuation.

Before investing, consider the Plans' investment objectives, risks, charges, and expenses. Contact Fidelity for a Fact Kit containing this information. Read it carefully.

 

Information for foreign investors

The Fidelity Sites are intended to be made available only to individuals in the United States, and the information on the Fidelity Sites is only for such persons. Nothing on the Fidelity Sites shall be considered a solicitation to buy or an offer to sell a security, or any other product or service, to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the laws of such jurisdiction.

Persons outside of the United States should go to the "Solutions for International Investors" page of the Fidelity Sites, which will direct them to the appropriate overseas web site of Fidelity's non-U.S. affiliates. Fidelity's non-U.S. affiliates, Fidelity Worldwide Investments (FIL Limited), Fidelity Investments Canada Limited, Fidelity Investments Management (H.K.) Limited, Fidelity Investments Japan, and Fidelity Brokerage Services Japan LLC offer products and services designed specifically for overseas investors.

 

Broker-dealer's potential conflicts

As a broker-dealer, Fidelity Brokerage Services LLC or its affiliates may act as principal for its own account or as agent for its customers in connection with the sale to you or purchase by you of a security that is the subject of content prepared by Fidelity. If it receives a mark-up or commission or acts as agent for another person in connection with any such transaction, Fidelity may have a potential conflict of interest. You understand this potential conflict and acknowledge that you may choose to effect securities transactions at another broker-dealer.

 

Limitations on investment guidance and professional advice

The Fidelity Sites are not intended to provide legal, tax, investment or insurance advice. Nothing on the Fidelity Sites should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by Fidelity or any third party. Certain investment planning tools available on the Fidelity Sites may provide general investment education based on your input. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your legal or tax professional regarding your specific situation.

 

Copyright policy, linking policy and trademarks

The Fidelity Sites are protected by applicable copyright laws. Accordingly, you may not copy, distribute, modify, post or frame-in the Fidelity Sites, including any text, graphics, video, audio, software code, user interface design or logos.

Unless you and Fidelity have agreed otherwise, links from another web site to a Fidelity Site must resolve to the top-level homepage of a Fidelity domain (e.g., www.fidelity.com, www.netbenefits.com). In order to avoid confusion if you do link from another web site to a Fidelity Site top-level homepage, your web site, and the link itself, may not suggest that Fidelity endorses, sponsors or is affiliated with any non-Fidelity web site, entity, service or product, and may not make use of any Fidelity trademarks or service marks other than those contained within the text of the link.

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

If you believe that your work has been copied in a way that constitutes copyright infringement, please provide Fidelity with the following information:

  1. A physical or electronic signature of a person authorized to act on behalf of the owner of the copyright allegedly infringed;
  2. A description of the copyrighted work that you claim has been infringed, or, if multiple copyrighted works are the subject of a single notice, a representative list of such works;
  3. An identification of the allegedly infringing material, and a description of where that material is located on the Fidelity Sites;
  4. Your address, telephone number, and email address;
  5. A statement by you that you have a good faith belief that use of the disputed material in the manner complained of is not authorized by the copyright owner, its agent, or the law;
  6. A statement by you, made under penalty of perjury, that the information you provide in your notice is accurate and that you are the owner of the allegedly infringed copyright, or that you are authorized to act on behalf of the copyright owner.

Fidelity's Agent for Notice of claims of copyright infringement can be reached as follows:

By mail: Irwin N. Barnes, Esq., Fidelity Investments, 82 Devonshire Street, F7D, Boston, MA 02109

By phone: 617-563-9840 By email: CopyrightClaim@fmr.com

 

Third party content and research

The Fidelity Sites include general news and information, commentary, interactive tools, quotes, research reports and data concerning the financial markets, securities and other subjects. Some of this content is supplied by companies that are not affiliated with any Fidelity Entity ("Third Party Content"). Some Third Party Content may be provided by mutual fund companies whose shares are available for purchase by Fidelity customers on the FundsNetwork® platform. On the Fidelity Sites, the source of all Third Party Content is clearly and prominently identified. Third Party Content providers include, but are not limited to, CNN Money, Dow Jones, MarketWatch, and Reuters. Third Party Content is available through framed areas, through hyperlinks to third party web sites, or is simply published on the site. The Third Party Content is protected by copyright pursuant to United States laws and international treaties and is owned or licensed by the Third Party Content provider(s) credited.

Fidelity has not been involved in the preparation, adoption or editing of Third Party Content and does not explicitly or implicitly endorse or approve such content. The Third Party Content providers do not implicitly or explicitly endorse or approve the Third Party Content, nor do they give investment advice, or advocate the purchase or sale of any security or investment.

While Fidelity makes every attempt to provide accurate and timely information to serve the needs of users, neither Fidelity nor the Third Party Content providers guarantee its accuracy, timeliness, completeness or usefulness, and are not responsible or liable for any such content, including any advertising, products, or other materials on or available from third party sites. Third Party Content is provided for informational purposes only and Fidelity and the Third Party Content providers specifically disclaim any responsibility for Third Party Content available on the site. You will use Third Party Content only at your own risk. THE THIRD PARTY CONTENT IS PROVIDED ON AN "AS-IS" BASIS. THE THIRD PARTY CONTENT PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.

THE THIRD PARTY CONTENT PROVIDERS AND THEIR PARENTS, SUBSIDIARIES, AFFILIATES, SERVICE PROVIDERS, LICENSORS, OFFICERS, DIRECTORS OR EMPLOYEES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR RELATING TO THE USE OR THE INABILITY TO USE THE THIRD PARTY CONTENT, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLE DAMAGES, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

In order to comply with applicable laws and regulations, Fidelity may at times exclude content with respect to securities of issuers which are the subject of public offerings made available to Fidelity's brokerage customers, or otherwise. Certain other content filtering may take place from time to time based on objective criteria.

"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. The CUSIP Database, © 2010 American Bankers Association. "CUSIP" is a registered trademark of the American Bankers Association.

 

Timeliness of content

All content on the Fidelity Sites is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.

 

Prohibited uses

Because all servers have limited capacity and are used by many people, do not use Fidelity Sites in any manner that could damage or overburden any Fidelity server, or any network connected to any Fidelity server. Do not use Fidelity Sites in any manner that would interfere with any other party's use of the Fidelity Sites.

 

Means of access

The Fidelity Sites are generally intended to be viewed by a conventional web browser with a screen resolution of 800 by 600 pixels or greater. Although you may use other means to access the Fidelity Sites, be aware that the Fidelity Sites may not appear accurately through other access methods, and you use them only at your own risk.

You should not access the Fidelity Sites through devices or services that are designed to provide high-speed, automated, repeated access, unless such devices are approved or made available by Fidelity.

Certain parts of the Fidelity Sites are protected by passwords or require a login. You may not obtain or attempt to obtain unauthorized access to such parts of the Fidelity Sites, or to any other protected materials or information, through any means not intentionally made available by Fidelity for your specific use.

Links provided on Fidelity sites to mutual fund prospectuses may resolve to the fund's summary prospectus, if available, or alternatively to the fund's full prospectus.

 

Password security and notification

If you have a password for access to non-public areas of the Fidelity Sites, you are solely responsible for maintaining the confidentiality and use of the password and other security data, methods and devices. Further, you are responsible for all activities that occur in connection with your password including all instructions electronically transmitted or use of any data, information or services obtained using your password and other security data. Fidelity shall not be under any duty to inquire as to the authority or propriety of any instructions given to Fidelity by you or via your password and shall be entitled to act upon any such instructions and Fidelity will not be liable for any loss, cost, expense or other liability arising out of any such instructions. Accordingly, you should take steps to protect the confidentiality of your password. As an authorized user 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. 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.

 

DISCLAIMER OF WARRANTIES

  • FIDELITY DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES ABOUT THE FIDELITY SITES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THE FIDELITY SITES ARE MADE AVAILABLE TO YOU "AS IS" AND "AS AVAILABLE" AND FIDELITY DOES NOT WARRANT THAT ANY DEFECTS OR INACCURACIES WILL BE CORRECTED.
  • FIDELITY DOES NOT WARRANT THAT THE FIDELITY SITES WILL MEET YOUR NEEDS, OR THAT THEY WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE. FIDELITY ALSO MAKES NO WARRANTY THAT THE RESULTS OBTAINED FROM THE USE OF THE FIDELITY SITES WILL BE ACCURATE OR RELIABLE, OR THAT THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE FIDELITY SITES WILL MEET YOUR EXPECTATIONS. THIS PROVISION MAY NOT APPLY TO PARTICIPANTS IN CERTAIN EMPLOYER-SPONSORED WORKPLACE SAVINGS PLANS.
 

LIMITATION OF LIABILITY

  • FIDELITY WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY CONSEQUENTIAL, INCIDENTAL, SPECIAL, DIRECT, OR INDIRECT DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS, TRADING LOSSES OR DAMAGES THAT RESULT FROM USE OR LOSS OF USE OF THE FIDELITY SITES AND THIRD PARTY CONTENT, INCONVENIENCE OR DELAY). THIS IS TRUE EVEN IF FIDELITY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES.
  • FIDELITY WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS RESULTING FROM A CAUSE OVER WHICH SUCH 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, OR IF YOU ACCESS THE FIDELITY SITES SOLELY THROUGH AN ARRANGEMENT WITH YOUR EMPLOYER OR PLAN SPONSOR, SOME OR ALL OF THESE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.
 

Indemnification

As a condition of your use of the Fidelity Sites, 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 use of the Fidelity Sites, or from your violation of these Terms. This provision may not apply to participants in certain employer-sponsored workplace savings plans.

 

Changes to Fidelity sites

Unless otherwise agreed, Fidelity may discontinue or modify the Fidelity Sites at any time without prior notice to you, and you accept those modifications if you continue to use the Fidelity Sites.

 

Termination

Fidelity may terminate your access to the Fidelity Sites for any reason, without prior notice.

 

Governing law

Unless otherwise agreed, 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. This provision may not apply to participants in certain employer-sponsored workplace savings plans.

 

Severability

If a court of competent jurisdiction deems any provision unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

Questions?

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