Terms of Service

Last Revised 11/20/2025

Privilege to Access and Use the Service

Access to the service has been granted to you at the discretion of Fidelity. This access is provided solely for your individual use and you must not without our express consent, either directly or indirectly, divulge, transmit or otherwise disclose the information provided to you or the fact that you have been provided access, with any other individual or entity including but not limited to other Fidelity customers, the public or any other third party.

Any unauthorized disclosure or misuse of this access will result in immediate revocation of your access privileges.

Terms of Service

These Terms of Service ("Terms") govern your access to and use of certain personal information retrieval, management, and analytic capabilities (the "Service"), owned and maintained by eMoney Advisor, LLC ("eMoney").

The Service (also known as “eMoney Advisor” or “Full View®”) is made available to you by Fidelity Brokerage Services LLC ("FBS"), a registered broker-dealer, Strategic Advisers LLC (Strategic Advisers), a registered investment adviser, or Fidelity Workplace Services LLC (“FWS”), a workplace savings plan recordkeeper, depending on your relationship with Fidelity Investments. The Service, as set forth below, includes but is not limited to certain aggregation services and certain financial modeling and financial planning tools.

Fidelity advisors are licensed with Strategic Advisers LLC (Strategic Advisers), a registered investment adviser, and registered with Fidelity Brokerage Services LLC (FBS), a registered broker-dealer. Whether a Fidelity advisor provides advisory services through Strategic Advisers for a fee or brokerage services through FBS will depend on the products and services you choose.

FBS, FWS, and eMoney, Strategic Advisors, together with their affiliates, shall be referred to herein as "Fidelity" or "Fidelity Investments.”

These Terms are a binding agreement between you and Fidelity. By clicking "I Accept" at the time you initially accessed the Service and by continuing to use the Service, you accept and agree to be bound by these Terms. Your use of the Service is governed by the version of the Terms in effect on the date of use. Fidelity may modify these Terms at any time and without prior notice. If you continue to use the Service thereafter, your continued use of the Service constitutes acceptance of the changes and an agreement to be bound by the modified Terms. You can locate the most current version of these Terms by clicking on the Terms of Service Hyperlink located at the bottom of each Service screen. It is recommended that you review the Terms frequently as the Terms may reflect important changes to your agreement.

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 any Fidelity web site.

Subject to these Terms, you may access and use those aspects of the Service intended for access and use by Fidelity customers (including the "Customer Aggregation Services" ) and shall not (1) access or use any aspect of the Service other than those intended to be used with the Customer Aggregation Services; (2) access or use the Service for any purposes other than personal use; or (3) access or use the Service in any unlawful manner or in violation of these Terms.

You understand, acknowledge, and agree that:

Fidelity has authorized you to access and use the Customer Aggregation Services. Fidelity may at any time, in its sole discretion, without prior notice, terminate such authorization for any reason, including, for those accessing the Service through Fidelity’s workplace services, at the direction of your employer or plan sponsor. Upon notification that Fidelity has terminated its authorization of your use of the Customer Aggregation Services, eMoney will immediately terminate your access and use of the Service without notice.
The use of Customer Aggregation Services is not a substitute for, nor should it be considered, an account statement or any other regulatory document. It is important to compare the information made available via Customer Aggregation Services with the statements and other information you receive from Fidelity and the other financial institutions that hold your accounts and other assets and liabilities. The Service may reflect information regarding non-Fidelity accounts. Fidelity is not able to verify the accuracy of data pertaining to accounts which are not held at Fidelity. eMoney retains the right to establish practices and/or limits in connection with the Service.
If you access the Customer Aggregation Services via your mobile device, your experience will be limited, and certain features of the Service may not be available.
Customer Aggregation Services are provided solely as a convenience to you for educational and informational purposes only. You should not rely on the Service as the primary basis for your investment, financial or tax planning decisions.
Customer Aggregation Services are not intended to provide legal, tax, investment, or insurance advice. Nothing available via Customer Aggregation Services should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security or insurance product by Fidelity or any third party.
You are responsible for obtaining your own hardware, software, and services (such as computers, browsers, and Internet access service) necessary to access and use the Service and for payment of all fees involved in obtaining such hardware, software and services.
Fidelity does not guarantee or warrant that any part of the Service is free of viruses or other harmful code. You must take appropriate precautions, such as use of an anti-virus software package, to protect your computer hardware and software.
You are responsible for safeguarding your Fidelity.com or NetBenefits.com log-in credentials such as your username and password which enable your access to the Service. You must immediately notify your Fidelity representative if your log-in credentials are compromised. Fidelity has no liability for any loss, claim, or other damages that result from unreported, unauthorized use of your login credentials. You agree to cooperate with Fidelity in any investigation and agree to take corrective measures to protect your accounts from further fraudulent activity. eMoney cannot always foresee or anticipate technical or other difficulties. These difficulties may result in loss of data, inaccuracy of data, personalization settings or other service interruptions. Fidelity is not responsible for the timeliness, accuracy, deletion, mis-delivery, or failure to store any user data, communications, or personalization settings. For example, when displayed through the Service, account information is gathered from multiple sources as of a variety of dates and times. Such information may be more up to date when obtained directly from the relevant financial institution.
You must provide true, accurate, current, and complete information about yourself and your financial accounts as requested in the Service registration and account setup process, and you may not misrepresent your identity or your account information. In order for the Service to function effectively, you must also keep your registration and account information up to date and accurate.

Trademark, Service Mark Ownership Restrictions

You acknowledge and agree that all trademarks and service marks displayed via the Service screens belong to eMoney or another Fidelity affiliate, except third party trademarks and service marks, which are the property of their respective owners. Certain data and other content displayed through the Service is supplied by unaffiliated third party data providers under a limited license grant from such third party to Fidelity. Such third party data providers, their partners, suppliers, and their respective affiliates ("Third Party Data Providers") expressly disclaim any and all warranties regarding, and any liability, responsibility, or damages with respect to, your access to and use of such content via the Service. You are only permitted to use the content as displayed on the Service as expressly authorized by the Service. You may not copy, reproduce, distribute, or create derivative works from this content. Further, you may not reverse engineer or reverse compile any of the technology associated with the Service, or develop any product or service (including any datafile or database) using or based on any component of the Service.

Customer Aggregation Services: Linking to Non-Fidelity Accounts to Fidelity Accounts

The Service currently provides an account aggregation function that allows users to view, in a single location, consolidated financial information from accounts that a user maintains at various financial institutions, including Fidelity, as the user may identify from time to time ("Outside Accounts").

To use the Customer Aggregation Services, you understand and agree that:

You are expressly authorizing Fidelity and its affiliates to electronically transmit to eMoney information that you, as a Fidelity customer, have provided or made accessible to Fidelity, and/or information derived from Fidelity’s books and records regarding your Outside Accounts held or record kept by Fidelity. eMoney is hereby authorized to receive, process, and store such Outside Account information, and to display such Outside Account information through the Service to you and Fidelity.
You are expressly authorizing eMoney to request and receive electronic transmissions of Outside Account information from financial institutions other than Fidelity at which the Outside Accounts you have identified are maintained ("Third Party Institutions"), or, as an alternative, to access such Third Party Institutions' web sites ("Third Party Sites"), on your behalf as your agent, to retrieve such Outside Account information, to store such Outside Account information, and to display such Outside Account information through the Service to you and Fidelity. For each Outside Account designated for aggregation, you represent and warrant that (1) you are the legal owner of, or have legal authority with respect to, the account; and (2) you have the right to grant eMoney the foregoing authorization. You hereby authorize and permit eMoney to use information submitted by you to the Service (including login credentials such as account passwords and usernames) to accomplish the forgoing and to configure the Service so that it is compatible with the Third Party Institutions’ transmittals and the Third Party Sites for which you submit your information. You understand that eMoney may need to engage third party aggregation vendors to accomplish this task, and that these vendors may have access to the account credentials you provide. Notwithstanding anything herein to the contrary, such account credentials will not be shared by eMoney except as provided in the foregoing sentence, and no other Fidelity Investments company will have access to such credentials.

Subject to the privacy restrictions set forth in eMoney’s Privacy Policy (available by hyperlink at the bottom of each Service screen) and Fidelity’s Privacy Policy (available at Fidelity.com) and except as otherwise specified below with respect to use of your account credentials in connection with the Customer Aggregation Service, you are licensing to Fidelity any information, data, materials or other content you provide through the Service, and Fidelity may use, modify, display, distribute and create new material using such Content. By submitting Content, you represent that you are entitled to submit it to Fidelity, and that Fidelity may use it in accordance with the privacy restrictions set forth in eMoney’s Privacy Policy and Fidelity’s Privacy Policy, without the payment of any fees and during the existence of the relationship with eMoney and Fidelity.

Limited Power of Attorney in Favor of eMoney

For all purposes hereof, you hereby grant eMoney a limited power of attorney, and you hereby appoint eMoney as your true and lawful attorney-in-fact and agent with full power of substitution and resubstitution, for you and in your name, place and stead, in any and all capacities, to receive transmissions of your Outside Account information from the Third Party Institutions, access Third Party sites to retrieve your Outside Account information, and use and store your Outside Account information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person.

YOU ACKNOWLEDGE AND AGREE THAT WHEN EMONEY ACCESSES AND RETRIEVES OUTSIDE ACCOUNT INFORMATION FROM THIRD PARTY SITES, EMONEY IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE FINANCIAL INSTITUTION THAT MAINTAINS YOUR OUTSIDE ACCOUNT.

You agree that the financial institutions shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you.

The account aggregation function is not available for all types of accounts and/or for all financial institutions. As such, eMoney's only obligation is to make available to you the ability to aggregate such types of Outside Accounts at such financial institutions as may then be available on the Service in eMoney's sole discretion.

Financial institutions change their web sites from time to time. As a result, an Outside Account that was available may cease to be available to the Service. eMoney has no control over this situation and has no obligation to restore the availability of the Outside Account via Customer Aggregation Service.

eMoney is not responsible for any acts, errors, or omissions by the financial institutions at which you maintain an Outside Account, or for the accuracy of the information provided by such institutions. eMoney is not responsible for the acts, errors, or omissions by any other financial institution, or for the accuracy of the information provided by such institutions.

eMoney may terminate the account aggregation function at any time without notice to you.

Users who have 1.) executed an advisory agreement with Strategic Advisors or 2.) whom have access to a Planning Consultant via Fidelity’s Executive Services offer and use the Service interactively with a Fidelity representative or Planning Consultant (sometimes referred to herein or via Customer Aggregation Services as "Advisor") will have access to financial planning capabilities that are not available to a self-directed user, including users accessing the Customer Aggregation Services via Fidelity’s workplace services.

With respect to assets that you may have that are managed on a discretionary basis through an advisory agreement with Strategic Advisors, you are responsible for determining whether, and how, to implement any financial planning recommendations presented, including asset allocation suggestions, 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, and for paying applicable fees. You should consult your legal or tax professional regarding your specific situation.

The Vault: the eMoney Planning Tools Client Portal

The Service currently provides a storage and sharing capability known as the Vault. The Vault allows you to store and retrieve electronic files and provides sharing capability which allows a user to retrieve certain reports or other communications ("Vault Documents") generated by a Fidelity representative using information accessible to the representative through the Service. Your Fidelity representative is responsible for uploading Documents to the Vault. Documents to which you will have access may be added to the Vault as follows: (a) In addition to documents uploaded by a Fidelity representative, you may also upload a Document to your private Vault folder (labeled “My Vault Documents”) to which access is limited to you, or (b) you or your Fidelity representative may upload a Document to a shared folder (labeled “Shared Vault Documents”) to which you and your Fidelity representative have access.

If the Vault is made available to you in connection with your use of the Service, you understand and agree to the following with respect to My Vault Documents or Shared Vault Documents as specified below that:

You will have "view only" access to Shared Vault Documents in the Vault that your Fidelity representative has added, and that any addition, deletion, modification or organization of such Shared Vault Documents in the Vault must be processed through your representative.
For each Vault Document you upload and/or store in My Vault Documents or that you chose to upload into Shared Vault Documents, you represent and warrant that you lawfully possess such My Vault or Shared Vault Documents and have the authority to upload or have the documents uploaded, stored, and made retrievable to and from My Vault or the Shared Vault.
You are solely responsible for the use and content of any My Vault or Shared Vault Documents that you upload to or access from the Vault, including Vault Documents provided by third parties and such third parties do not assume any liability with respect to the content of such Vault Documents when viewed in the Vault or for any other content provided via the Service.
You agree not to use the Vault to store any Vault Document or information that is unlawful, offensive, indecent, or otherwise actionable by any third party.
Fidelity disclaims any ownership rights to or liability for the Vault Documents (or the contents thereof) uploaded to the Vault by you or at your request.
Fidelity is not responsible for any use or dissemination of the Vault Documents by any third parties to whom you grant authorization to view the Vault Documents.
The Vault functionality is provided to you as a convenience and may be discontinued by eMoney at any time.
You are responsible for retaining originals or copies of the files you choose to store in the Vault as eMoney does not guarantee the contents of the Vault will be available to you or that the Vault will always be offered as a service.

Alliance Partners: eMoney Planning Tools Client Portal

In addition to the user roles of "Advisor" and "Consumer," the Service may also provide a user role that allows your other service providers, such as your banker, accountant, or attorney (known as "Alliance Partners"), to access and view all of the information stored by the Service for your benefit. For example, if available, the Alliance Partner function allows you to direct your Fidelity representative to permit your lawyer access to your information in the Service to assist with estate planning and other needs. If the Alliance Partner function is made available to you in connection with your use of the Service, you understand and agree that:

Alliance Partner usage is arranged solely, at your direction, through your Fidelity representative, including the creation and assignment of the Alliance Partner's login credentials.
Unless and until your Fidelity representative revokes the access privileges of an Alliance Partner, you hereby consent to eMoney allowing such Alliance Partner to access and view any and all of your information stored in the Service.
Fidelity shall not be liable for any error, act, or omission on the part of the Alliance Partner.
The Alliance Partner function is provided to you as a convenience and may be terminated by eMoney at any time.

Other Terms and Conditions

Termination

Self-Directed Clients, including clients using the Full View Client Portal may terminate their Service at any time. You will have no further access to the Service or any documents after you have terminated the Service.

Clients using the eMoney Planning Tools Client Portal may terminate use of the Service at any time by contacting your Fidelity representative. Once you have terminated use of the Service, you will have no further access to the Service or any documents.

eMoney may modify or discontinue offering the Service at any time, with or without notice, for any reason or no reason.

Third Party Websites and Embedded Videos

The Service may provide links to web sites and include embedded videos that are not operated or hosted by eMoney. eMoney provides these links and/or videos for your convenience and they may be removed at any time. eMoney does not investigate the quality, accuracy, or completeness of any content on third party web sites. You acknowledge and agree that Fidelity is not responsible or liable for any content, advertising, products, or other materials on or available from third-party web sites or embedded videos. You are responsible for familiarizing yourself with the content of such third-party websites and/or embedded videos, including the applicable privacy policies related thereto. For more information on eMoney’s Privacy Policy, please click on the Privacy Policy hyperlink located at the bottom of each Service screen. For more information on Fidelity’s Privacy Policy, please visit Fidelity.com.

Restriction of Customer Aggregation Services to Individuals in the United States

Customer Aggregation Services is intended to be made available only to individuals in the United States, and the information obtained through Customer Aggregation Services is only for such persons.

Limitations of Liability

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THATOF THIRD-PARTY DATA PROVIDERS) INCLUDED IN OR ACCESSIBLE FROM THE SERVICE IS AT YOUR SOLE RISK.

THE SERVICE IS FURNISHED "AS IS" AND WITHOUT ANY EXPRESS OR IMPLIED REPRESENTATIONS OR WARRANTIES INCLUDING, WITHOUT LIMITATION, MERCHANT ABILITY, FITNESS FOR AP ARTICULAR PURPOSE, NON-INFRINGEMENT, AVAILABILITY OF ALL OR ANY PART OF THE SERVICE, AND FREEDOM FROM ERRORS, VIRUSES, BUGS OR OTHER HARMFUL COMPONENTS.

YOU AGREE THAT NEITHER FIDELITY, YOUR EMPLOYER OR PLAN SPONSOR (IF YOUR RELATIONSHIP WITH FIDELITY ARISES THROUGH FIDELITY’S WORKPLACE SERVICES) NOR ANY THIRD-PARTY DATA PROVIDER WILL BE LIABLE FOR ANY HARMS RESULTING FROM YOUR USE OR INABILITY TO USE THE SERVICE, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, EVEN IF FIDELITY, YOUR EMPLOYER OR PLAN SPONSOR, OR THIRD PARTY DATA PROVIDER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Fidelity’s Third Party Data Providers: Beneficiaries of These Terms

Fidelity's Third-Party Data Providers are considered third-party beneficiaries of these Terms, are entitled to the rights and benefits hereof and may enforce the provisions pertaining to your use of the Service contained herein, including content available through Customer Aggregation Services, as if they were parties hereto. Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, or the exclusion of certain warranties. Accordingly, some of the above limitations may not apply to you.

Indemnification and Hold Harmless

As a condition of your use of the Service, you agree to indemnify and hold Fidelity 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 Service, or from your violation of these Terms. If your use of the Service arises solely in connection with Fidelity’s workplace services, these Terms shall not modify or displace the terms of any applicable plan or your employer’s agreement with Fidelity with respect to the Service, except to the extent you are a participant in a Fidelity Investments Section 403(b)(7) Individual Custodial Account.

Severability

If any provision of these Terms is held to be unenforceable, then such provision shall be construed, as nearly as possible, to reflect the intentions of the parties with the other provisions remaining in full force and effect.

Choice of Law

These Terms and your access to and use of the Service shall be governed by the laws of the Commonwealth of Massachusetts, except with respect to conflicts of laws or as otherwise required by applicable law.