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Terms & Rules

Terms Of Service

Please review our terms, conditions, and platform rules to understand your rights, responsibilities, and obligations as a user.

1. Account Registration 2. Trading Rules 3. Investment Guidelines 4. Fees and Charges 5. Account Restrictions 6. Dispute Resolution 7. Compliance
01

Account Registration

To open an account with Fidelity, you must meet the following requirements and agree to our terms:

Age Requirement

You must be at least 18 years of age to open an account. For custodial accounts, a parent or guardian must be the account custodian.

Identity Verification

Provide accurate and complete personal information including a valid government-issued ID for identity verification.

Agreement to Terms

Agree to our Terms of Service, Privacy Policy, and all applicable rules and regulations governing your account.

Account Security

Maintain the confidentiality of your login credentials. You are responsible for all activities conducted under your account.

02

Trading Rules

All trading activities on our platform are subject to the following rules and guidelines:

Market Hours

  • Standard trading: 9:30 AM - 4:00 PM EST
  • Pre-market: 4:00 AM - 9:30 AM EST
  • After-hours: 4:00 PM - 8:00 PM EST
  • Extended hours available for eligible accounts

Order Types

  • Market orders - execute at current price
  • Limit orders - set maximum/minimum price
  • Stop orders - trigger at specified price
  • Stop-limit orders - combine stop and limit

Minimum Requirements

  • No minimum deposit for brokerage accounts
  • Pattern day trader: $25,000 minimum
  • Options trading: approval required
  • Margin accounts: $2,000 minimum

Restrictions

  • No short selling in IRA accounts
  • Free riding violations may result in restrictions
  • Good faith violations are monitored
  • Day trading limits apply
03

Investment Guidelines

Our platform provides access to various investment products. Please review the following important guidelines:

1

Risk Disclosure

All investments carry risk, including the potential loss of principal. Past performance does not guarantee future results.

2

Diversification

Diversification does not guarantee profit or protect against loss. It is a strategy to help manage risk across different asset classes.

3

Cryptocurrency

Crypto investments are highly volatile, not FDIC insured, and may become illiquid at any time. Only invest what you can afford to lose.

4

Options Trading

Options are complex instruments and involve a high degree of risk. Options trading approval is required based on your experience and financial situation.

5

Suitability

It is your responsibility to ensure that all investments are suitable for your financial situation, goals, and risk tolerance.

04

Fees and Charges

Fidelity is committed to transparent pricing. Below is a summary of our fee structure:

Commission

$0

US stocks and ETFs (online trades)

Account Fees

$0

No account fees for retail brokerage accounts

Options

$0.65

Per contract (subject to change)

Wire Transfers

$0

Incoming wires free; outgoing may apply

Mutual Funds

Varies

Expense ratios apply; no transaction fees for NTF funds

Account Transfers

$75

Full account transfer out (partial transfers free)

05

Account Restrictions

We reserve the right to restrict, suspend, or terminate accounts in the following cases:

Suspicious Activity

Unusual trading patterns, potential money laundering, or fraudulent activity will trigger investigation and may result in account restrictions.

Policy Violations

Violation of our Terms of Service, trading rules, or any applicable regulations may lead to account restrictions or termination.

Legal Requirements

We may be required to restrict accounts to comply with legal, regulatory, or court orders.

Insufficient Funds

Accounts with insufficient funds to meet outstanding obligations, including margin calls, may be restricted.

06

Dispute Resolution

Any disputes arising from your use of our services shall be resolved through the following process:

1

Customer Support

Contact our customer support team to resolve the issue. Most disputes are resolved at this stage.

2

Compliance Escalation

If not resolved, the issue will be escalated to our compliance department for review.

3

Arbitration

Unresolved disputes will be submitted to arbitration in accordance with FINRA rules.

4

Court Proceedings

As a last resort, disputes may be resolved through court proceedings in the appropriate jurisdiction.

07

Compliance

Fidelity operates in compliance with all applicable financial regulations and industry standards:

SEC

Securities and Exchange Commission

Registered

FINRA

Financial Industry Regulatory Authority

Member

SIPC

Securities Investor Protection Corporation

Insured

KYC/AML

Know Your Customer & Anti-Money Laundering

Compliant