Our Commitment to Privacy

View the Fidelity Investments and the Fidelity Funds Privacy Notice

Last Updated December 2023

Fidelity Investments and the Fidelity Funds recognize the importance of maintaining the privacy of personal information about our current and prospective customers.

As used in this privacy policy ("policy"), personal information means information about an individual that is collected or maintained for business purposes and by which the individual can be identified. Please note that information by which an individual cannot be identified (for example, anonymous, de-identified, or aggregate information) is not considered personal information and therefore is not subject to this policy.

Please note that certain details of this policy may depend on whether you deal with us through an investment professional, directly as an individual investor, or whether Fidelity provides services to your employer or plan sponsor. In addition, some of Fidelity's products, services or digital offerings may have a different or additional privacy policy, which may be made available to you if you choose to use those products, services, or digital offerings.

This policy is reviewed annually and updated to reflect any changes.

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 to you 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 that 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 whose products, services, and investment offerings are made available through Fidelity, and which you decide to utilize
Other organizations as permitted or required by law (for example for fraud prevention or to respond to a subpoena)
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 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 or interest of that product, service, or investment offering.

Based 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, and/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 provide information about you to our affiliates

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

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.

Your digital privacy

When you interact with us by using our websites, online services, or applications (including mobile apps) that are owned and controlled by Fidelity Investments ("our digital offerings"), or via electronic communications, Fidelity manages personal information in accordance with all of the practices and safeguards described in this policy.

When you use or interact with us via our digital offerings, or interact with us via electronic communications, we (or our service providers on our behalf) may automatically collect technical and navigational and location information, such as device type, browser type, internet protocol address, pages visited, and average time spent on our digital offerings. We use this information for a variety of purposes, such as maintaining the security of your session, facilitating site navigation, improving the design and functionality of our digital offerings and electronic communications, and personalizing your experience.

Additionally, the following policies and practices apply when you are online.

Cookies and similar technologies

Fidelity and our third-party service providers may use cookies and similar technologies ("cookies") to support the operation of and maintain our digital offerings. Cookies are small amounts of data that a website or online service exchanges with a web browser or application on a visitor's device (for example, computer, tablet, or mobile phone). Cookies help us to collect information about users of our digital offerings, including date and time of visits, pages viewed, amount of time spent using our digital offerings, or general information about the device used to access our digital offerings. Fidelity cookies are also used for security purposes and to personalize your experience, such as customizing your screen layout.

Both Fidelity and third-party service providers we hire may use cookies and other technologies, such as web beacons, pixel tags, or mobile device ID, in online advertising as described below. Most browsers and mobile devices offer their own settings to manage cookies. If you use those settings to refuse or delete cookies, it may negatively impact your experience using our digital offerings, as some features and services on our digital offerings may not work properly. For example, you may not be able to sign in and access your account, or we may not be able to recognize you, your device, or your online preferences. Depending on your device and operating system, you may not be able to delete or block all cookies.

We may collect analytics data or use third-party analytics tools, such as Google Analytics, to help us measure traffic and usage trends for our digital offerings and to understand more about the demographics of our users. You can learn more about Google's practices with Google Analytics by visiting Google's privacy policy. You can also view Google's currently available opt-out options.

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 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 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 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, and pages visited.

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. 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 clicking on 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 any 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 services, 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 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.

Additional information for California residents

This section is provided for purposes related to the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act of 2020 (collectively, the “CCPA”) and applies solely to the personal information and Fidelity companies that are subject to the CCPA. As used in this section, “personal information” means information that meets the definition of “personal information” as set forth in the CCPA and is not otherwise excluded from the scope of the CCPA.

Fidelity companies and the CCPA

Depending on the Fidelity company with which you have a relationship or otherwise interact, the nature of your relationship and interactions with that Fidelity company, and the products and services provided to you through that relationship, some or all of the personal information that the Fidelity company collects or maintains is covered by one or more of the exemptions described below (see the section below entitled “CCPA exemptions”). As a result, in some cases, the applicable Fidelity company may have no obligation under the CCPA to accept any CCPA requests, and in other cases, it may have no obligation to honor a particular CCPA request, because of the nature of the personal information that the Fidelity company collects or maintains. Here are some examples of CCPA exemptions:

If your relationship and interactions with a Fidelity company consist solely of personal financial services (e.g., maintaining one or more personal brokerage accounts), the personal information collected and processed about you is subject to the federal Gramm-Leach-Bliley Act (“GLBA”) and therefore your CCPA request will not be honored by the Fidelity company.
If you participate in a workplace retirement plan, or other employee benefit plan sponsored by or provided through your employer, and that is serviced or administered by a Fidelity company, CCPA requests should be directed to your employer.

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/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:

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

These disclosures are not required to include any information about activity that occurred prior to January 1, 2022. Please also note that a covered business is not required to honor more than two 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/ 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.
Non-discrimination. 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. The categories of personal information that we may collect about you are:

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/Electronic network interactions, 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 such as Social Security number, account log-in, 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 based on the following criteria: (1) the length of time that the data is needed for the purposes for which it was created or collected; (2) the length of time the data 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 is stored; (5) whether the data is needed for security purposes and fraud prevention; and (6) whether the data 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 above entitled “How and why we obtain and use 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 persons (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 and 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 above entitled “How and why we obtain and use 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 described above, 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 above, with the categories of third parties listed in the section above entitled “How we share information about you with third parties”.

Selling/sharing of personal information

In the 12 months preceding the date of this policy, we “sold” and/or “shared” (personal information for “cross context behavioral advertising” (as those terms are used in the CCPA) with respect to California residents covered by the CCPA. As of the date of this policy, we have ceased such practices and no longer “sell” and/or “share” personal information for “cross-context behavioral advertising”. We do not knowingly “sell” or “share” for “cross-context behavioral advertising” personal information of minors under 16 years of age.

Our prior “selling” and/or “sharing” activities were performed to personalize your browsing activities on our websites, to deliver our ads to you when you are visiting other websites or platforms, and to help us measure the effectiveness of our websites and online advertising, using information that we and our third-party service providers engaged to perform these activities collected about your activity on our websites, including cookies and similar data stored on or collected from your browser or device. In some cases, our third-party service providers, including marketing and advertising providers and social media platforms (providers), combined 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 visited 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.

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:

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

Furthermore, under the CCPA, there are a number of situations where a covered business under the 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 where retention of the personal information is reasonably necessary to:

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
Debugging 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
To 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 where 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 you have reviewed all the CCPA exemptions, including those described above under the section above 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 11 CCPA requests for disclosure of personal information (request to know) and 14 CCPA requests for deletion of personal information (request to delete) between January 1, 2022, and December 31, 2022. Fidelity companies responded to each of these requests in an average of eight days. However, because of exemptions under the CCPA, Fidelity companies did not comply with any of these requests.

Fidelity companies covered by this privacy policy

The Fidelity Investments Privacy Policy is provided on behalf of:

Fidelity Brokerage Services LLC
Fidelity Distributors Company LLC
Fidelity Diversifying Solutions LLC
Fidelity Workplace Services LLC
Fidelity Investments Institutional Operations Company LLC
Fidelity Management Trust Company
Fidelity Personal Trust Company, FSB
Fidelity Personal and Workplace Advisors LLC
Fidelity Stock Plan Services, LLC
Fidelity Institutional Wealth Adviser LLC
Fidelity Investments Life Insurance Company
Empire Fidelity Investments Life Insurance Company
Fidelity Health Insurance Services, LLC
Fidelity Insurance Agency, Inc.
Fidelity Wealth Technologies LLC
FIAM LLC
National Financial Services LLC
Strategic Advisers LLC
FD Funds Management LLC
Other companies owned by Fidelity Investments using the Fidelity name to provide financial or payroll services to customers

Fidelity Funds Privacy Policy

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 non-public 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 by law. For example, the Funds have entered into a number of arrangements with Fidelity Investments to provide for investment management, distribution, and servicing of the Funds.

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 policy for the Fidelity Investments companies of which you are also a customer.

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.

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