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Text Content

Skip to main content
Would you like to come directly to Vanguard's website for Personal investors
when you visit vanguard.com in the future? (You can change your preference
anytime.)
Yes
No

Which Vanguard website would you prefer to reach directly when you visit us in
the future? (You can change your preference anytime.)
Personal investors

For people who invest directly in individual accounts (including IRAs and
rollovers); in joint, brokerage, college savings, or small-business accounts.

Retirement plan participants

For people who invest through their employer in a Vanguard 401(k), 403(b), or
other retirement plan.

Institutional investors

For retirement plan sponsors, consultants, and nonprofit representatives.

Financial advisors

For broker-dealers, registered investment advisors, and trust or bank brokerage
professionals.

No site preference

Personal investors has been set as your preferred Vanguard website. (You can
change your preference anytime.)

You've indicated that you have no site preference for future visits to
vanguard.com. (You can change your preference anytime.)

PERSONAL INVESTORS
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Clear search text

 * What We Offer
    * Ways to invest
    * * Compare advice services
      * Digital Advisor
      * Personal Advisor
      * Personal Advisor Select
      * Wealth Management
      * Invest on your own
    * Investment products
    * * Investment products overview
      * Mutual funds
      * ETFs
      * Stocks
      * CDs
      * Bonds
      * Money market
      * See all Vanguard mutual funds & ETFs
    * Accounts & plans
    * * Accounts & plans overview
      * IRAs
      * Individual & joint
      * 529 savings plans
      * UGMA/UTMA
      * Small business retirement
      * 403(b) services
    * Move money
    * * Rollovers
      * Transfers
      * Inheritance
    * Cash investments
    * Index funds
    * Target retirement funds
    * Actively-managed funds
    * ESG funds

 * Why We're Different
    * About us
    * * Why Vanguard
      * Fees & commissions
      * Brokerage built for you
      * Investing at Vanguard
    * Client benefits
    * * Benefits
      * Account conveniences
      * Vanguard mobile app
    * Trust & security
    * * Security at Vanguard
      * Our privacy policy
      * Accessibility

 * Investor Resources & Education
    * Explore topics
    * * How to invest
      * Choosing investments
      * Online trading
      * Managing your portfolio
    * Explore your goals
    * * Retirement
      * Education savings
      * Emergency fund
      * Short-term goals
    * Investing resources
    * * News & perspectives
      * Taxes
      * Tools & calculators
      * Market summary
    * Market volatility
    * Markets & economy

 * Open an account
 * Tax forms & information
 * Forms
 * Support
 * Log in
 * Vanguard websites
    * Personal investors
    * Retirement plan participants
    * Institutional investors
    * Financial advisors
    * Company information and insights
    * Set Site Preference
    * Non-U.S. investors
    * Small Business Online
    * My Plan Manager
    * Institutional trading
    * Pressroom
    * Career opportunities
    * Other Vanguard sites


Trust & security


VANGUARD'S PRIVACY POLICY

The following privacy policy is provided by the Vanguard funds, The Vanguard
Group, Inc., Vanguard Marketing Corporation, Vanguard Advisers, Inc., Vanguard
Fiduciary Trust Company, and Vanguard National Trust Company (collectively,
Vanguard). This Privacy Policy applies to personal information we collect about
retail investors, including through the https://investor.vanguard.com/home
website.

--------------------------------------------------------------------------------


OUR COMMITMENT TO YOU

As a Vanguard investor or prospective investor, you may entrust to our care not
only your money but your personal and financial information as well. We
recognize that your relationship with us is based on trust, and that you expect
us to act responsibly and in your best interests. When we share client or
prospective client information—whether it is your personal information or the
fact that you are or may become a Vanguard client—we do so under the
circumstances described in this policy.

We use your personal information primarily to respond to your inquiries or
requests; to maintain and protect your accounts; to process transactions that
you submit; to fulfill our legal obligations; for research and analytical
purposes; and to develop, offer, and provide the financial products and services
that we offer or sponsor.


THE PERSONAL INFORMATION WE COLLECT ABOUT YOU

The types of personal information we collect and share depend on the product or
service you have with us. Examples of personal information we collect may
include, among other things, your name and address, Social Security or taxpayer
identification number, date of birth, assets, income, account balances,
investment activity, accounts at other institutions, and information collected
through your use of our website.

You provide personal information when you complete a Vanguard account
application. (If you enter information in an online account application, we may
store the information even if you don't complete or submit the application.) You
also provide personal information when you request information or materials from
us or otherwise interact with Vanguard, as well as when you transact in your
accounts.

In addition to personal information you provide to us, we may receive
information about you that you authorize other parties to provide to us. We also
may obtain personal information from service providers not affiliated with
Vanguard in order to verify your identity, to prevent fraud, or to help us
identify products and services that may be of interest to you.  The information
we collect about you may be transferred to or stored by Vanguard or our service
providers in the United States or elsewhere, as permitted by law.

We may combine the information collected on our website or through our mobile
application with information collected from or about you in other contexts. This
may include information collected online, such as through cookies or our email
exchanges with you, or from offline sources, such as when you establish your
account with us or call customer service. We will treat such combined
information in accordance with this policy. If you do not wish to provide
information to Vanguard, we may be unable to provide certain products or
services to you.

 


HOW WE USE AND DISCLOSE YOUR PERSONAL INFORMATION

We may use and share your personal information when needed to complete
transactions at your request, to provide our services, to make you aware of
financial products and services that we offer, to market or advertise our
products or services, or where legally compelled to do so. Here are the details:

 * In order to complete certain transactions or account changes that you direct,
   it may be necessary to provide identifying information about you to
   companies, individuals, or groups that are not affiliated with Vanguard. For
   example, if you ask to transfer assets from another financial institution to
   Vanguard, we will need to provide certain information about you to that
   institution to complete the transaction, including but not limited to your
   name and relevant account information.
 * In order to alert you to other financial products and services that Vanguard
   offers or sponsors, we may share your information within the Vanguard family
   of affiliated companies, to the extent permitted by law. This would include,
   for example, sharing your contact information and information about your
   current product and service usage within Vanguard to make you aware of new
   Vanguard funds or other investment offerings, advice services, brokerage
   services, or asset management and trust services.
 * In certain instances, we contract with service providers to perform services
   for us. Where necessary and in accordance with legal requirements, we may
   disclose any personal information we have about you to these service
   providers. In all such cases, we provide the service providers with
   information about you only as necessary to carry out its responsibilities as
   provided in its agreement with us, and only for that purpose. And we require
   these service providers to treat your information with the same high degree
   of confidentiality that we do.
 * In order to market our products and services, we engage non-financial
   companies to show you relevant advertisements while you browse other websites
   or use social media. For further information on these activities, please see
   the section titled Interest-Based Advertising, below. To opt out of our
   sharing of your personal information with nonaffiliated third parties, please
   click here. 
 * Finally, we will release information about prospective, current, or former
   customers if you direct or authorize us to do so, if we are compelled by law
   or legal process to do so, or in other legally limited circumstances (for
   example, to prevent fraud).

 


COOKIES, WEB BEACONS, AND ONLINE PRIVACY

Our concern for the privacy of our investors and prospective investors naturally
extends to those who use our personal investors website, investor.vanguard.com,
and our Vanguard investors mobile application.

Our website and our mobile application use some of the most secure forms of
online communication available, including data encryption, transmission
encryption, usernames and passwords, adaptive authentication techniques, and
back-end fraud and account monitoring. These technologies provide a high level
of security and privacy when you access your account information, initiate
online transactions, or send secure messages.

We use a variety of online technologies, as described further below, to collect
information that helps us understand how our website and our mobile application
are used. Specifically, when you visit Vanguard online, we or our service
providers may automatically collect a variety of technical and navigational
information about you via these technologies, including, as applicable: your
computer or device type; operating system version; browser type and version;
user agent string; internet connection type; mobile network provider; date and
time of your visit; time since your last visit; pages you view; links you
select; searches you conduct; the internet protocol (IP) address used to access
our website or mobile application; your general geographic location (e.g., your
city, state, or zip code); and the website visited before our site. We also may
use similar tracking technologies in emails that we or our service providers
send to you, as further described below. This information may be used for
purposes, including: to alert you to software compatibility issues, to resolve
technical or service problems, and for security purposes. We also analyze this
information, with the assistance of our service providers and to the extent
permitted by law, to improve our website and mobile application design and
functionality, to enhance our ability to serve you and your accounts, and to
tailor our communications to you regarding our products and services.

 


COOKIES

A cookie is a small file of letters and numbers that is stored on your computer
or other device when you visit a website or a mobile application. Cookies
contain information that is transferred to or read on your device and allow
websites and mobile applications to recognize devices and store certain
information, such as user preferences. Cookies are used to distinguish you from
other users of our online services. This helps us to personalize and improve
your user experience and help enhance site navigation, and to develop, offer,
and provide our products and services to you. Cookies also help us to understand
how people use our online services so that we can improve their structure,
functionality, security, and content. We and our service providers use session
cookies, which link your actions during a particular online session and expire
at the end of that session, as well as persistent cookies, which remain on your
device and allow us to remember your actions or preferences across multiple
browser sessions.

If you are concerned about having cookies on your computer or other device, you
can set your web browser to refuse all cookies or to indicate when a cookie is
being set, allowing you to decide whether to accept it. You can also delete
cookies from your device. The help feature on most web browsers will tell you
how to prevent your browser from accepting new cookies, how to receive notice
when a new cookie is set, and how to disable cookies altogether. However, if you
choose to block or delete cookies, certain features of our website or our mobile
application may not operate correctly. Information about how to opt out of the
use of cookies for certain purposes (such as Interest-Based Advertising) is
discussed below in the section titled Your opt out rights. 

 


WEB BEACONS

Our website, our mobile application, and the emails that you receive from
Vanguard use an application known as a web beacon (also known as a pixel tag or
clear gif). A web beacon is an electronic file that usually consists of a
single-pixel image, embedded in a web or mobile application page or an email to
measure usage and activity. In some cases, a web beacon triggers the placement
of a persistent cookie on your device. Web beacons allow us, directly or through
our service providers, to collect information used for website and mobile
application analytics, such as how many users have visited particular pages or
downloaded documents, or how frequently users search for a particular term.  We
and our service providers also use web beacons and cookies to determine whether
and when you receive and open our emails, and whether you select any links in an
email.  However, we do not use them to view or collect data in cookies or
similar data files created by other websites.  For further information on how we
and our service providers collect and use such information, and to learn more
about how to opt out of such information sharing, please visit the sections
titled Interest-Based Advertising and Your opt out rights, below.

Third Party Websites/Online Services.  Our website includes links to third-party
sites or information that we think may be of interest to you. When you select
these links and leave our website, our site's terms and conditions of use and
privacy policy no longer apply. You are responsible for complying with the
third-party site's terms of use and understanding its privacy policy, both of
which you should review carefully.

Our website may enable you to share information directly with websites or online
services operated by third parties. For example, our site contains features that
allow you to share articles or content through Facebook, Twitter, LinkedIn, and
other services, and to view content through video players and other services
(such as the YouTube video player). If you choose to use these features, you may
disclose information to those websites or services and their users, and to the
public more generally. Even if you do not select these plug-in features, these
third parties may collect information about you, such as your IP address and the
pages that you view, and they may also set and/or access a cookie on your
device. Because these third-party websites and services are not operated by
Vanguard, we are not responsible for their content or practices. The collection,
use, and disclosure of information through these websites and services are
subject to the privacy policies of the third-party websites or services.


ANALYTICS 

We engage service providers to collect the information discussed above to engage
in analysis, auditing, research, and reporting. These service providers may set
and access cookies on your computer or other device and may use web beacons to
collect information about your activity on our website or our mobile
application.

Adobe Analytics.  Our website and mobile application use Adobe Analytics to help
collect and analyze certain information for the purposes discussed above. The
information generated about your use of our online services may be transmitted
to and stored by Adobe Analytics on servers outside your country of residence.

Google reCAPTCHA.  We have implemented Google reCAPTCHA (“reCAPTCHA”) on our
website to enhance your online account security and prevent fraud. This service
is provided by Google LLC (“Google”). We use reCAPTCHA to determine whether an
input is made by a natural person or by automated technology. reCAPTCHA analyzes
and collects certain personal information about website visitors, including but
not limited to: IP address, cookies, mouse movements, and length of stay on the
website. By using reCAPTCHA, your personal information may be transferred to
Google and other third parties to confirm that you are a human being and not an
automated processor or spam bot. The use of reCAPTCHA is subject to Google’s
Privacy Policy and Terms of Service.

 


INTEREST-BASED ADVERTISING

We also engage service providers, including social networks, to provide targeted
advertising services that are customized based on your online activities over
time and across unaffiliated websites (Interest-Based Advertising) and to help
us measure brand awareness and the effectiveness of our online advertising.
These service providers may use cookies, web beacons, and other similar
technologies to collect information about your activity on our website, and they
may combine it with information about your activity on other, unaffiliated
websites. We and our service providers may use data collected on our website or
when you open emails from Vanguard, together with other information we have
about you and your Vanguard relationships, to serve Vanguard ads to you on their
platforms and other sites as you browse the web. For example, we may share your
email address with our advertising service providers so that they can target ads
for Vanguard products and services to you on non-Vanguard websites. In addition,
our advertising service providers might use information collected during your
use of our online services, including limited demographic information (e.g.,
age), to help target non-Vanguard advertisements based on your online activity
in general.

We may use service providers’ technologies that enable us to establish
connections among related devices (such as smartphones, tablets, and computers).
This means that information about your interactions with our online services and
online advertising through different devices may be combined. By making these
connections, we may be able to better understand the relevance of our content
and the impact of our advertising and to customize that content and advertising
for you. 

 


YOUR OPT OUT RIGHTS

You can limit how we share your personal information by exercising your opt out
rights. For further information on your opt out rights, please visit the
Vanguard Privacy Center. You may also opt out by clicking here.  Please note
that if you are a new or current customer, we can begin sharing your information
30 days from the date we provided this Privacy Policy. If you are no longer our
customer, we may continue to share your information as described in this Privacy
Policy. However, you may choose to limit our sharing of your information at any
time.

Opting Out of Interest-Based Advertising.  When you access Vanguard’s website,
we will provide you with the ability to opt out of third-party data sharing
related to Interest-Based Advertising. To opt out, please click here.  When you
complete this process, you will provide us with your email address.  We will
send you a validation code to the email address you specify, and once you
confirm that validation code electronically, we will remove the email address
you specified from third party sharing. If you have more than one email address
on file with us, you will need to complete this process for each email address
on file to fully opt out.  This link also provides further information on how to
opt out of certain cookies, as well as the sharing of cookie information related
to Interest-Based Advertising.  Note that blocking some types of cookies may
impact your experience of the site and the services we are able to offer. To
learn more, visit the Vanguard Privacy Center.

Adobe Analytics.  You may opt out of the use of cookies by Adobe Analytics by
clicking here.

Do Not Track Signals.  Although our website currently does not respond to “do
not track” browser settings, you can limit tracking by taking the opt out steps
discussed above.

 


HOW WE SAFEGUARD YOUR PERSONAL INFORMATION

Within Vanguard, we restrict access to information about you to those Vanguard
employees who need to know the information in order to perform their jobs, such
as servicing your accounts, providing you with information you request, or
notifying you of new products and services. To protect your personal
information, we maintain physical, electronic, and procedural safeguards in
keeping with industry standards and practices, and we review and adjust these
safeguards regularly in response to advances in technology. To learn more about
our online security and privacy features, please visit our Security Center.

Safeguard your account information.  For your protection, you should not provide
your account information, username, or password to anyone. If you become aware
of any suspicious activity relating to your account or if you suspect fraud,
please call us at 877-223-6977 or email us at fraud@vanguard.com.

Review your account information.  Vanguard offers a variety of options for
accessing and reviewing your account information. You can review your
information on your statements and other account documents, as well as through
our automated phone services and website. You may also write or call us with
your request for information. Specific website addresses, mailing addresses, and
phone numbers are listed on your account statements and other Vanguard
correspondence.

 


WEBSITE NOT FOR CHILDREN

Our website and apps are neither intended for, nor targeted to children under
16, and we do not collect personal information directly from children under 16.
We receive limited personal information about children from parents and other
responsible adults only as required to establish and maintain accounts for the
children’s benefit.

 


PRIVACY INFORMATION FOR NEVADA RESIDENTS

Nevada residents may opt out of the sale of covered information to third
parties, including but not limited to name, address, social security number,
telephone number, email address, and other information through which a person
may be contacted. Our uses of your personal information are not sales under
Nevada law.  If you have any questions or if you would like to receive notice by
email in the event we engage in sales of personal information under Nevada law
in the future, please contact us.

 


WE WILL KEEP YOU INFORMED

As required by federal law, we will notify you of our privacy policy annually.
We reserve the right to modify this policy at any time, but rest assured that if
we do change it, we will tell you promptly.

 


CONTACT US

If you have questions about the way in which we have handled information about
you, please do not hesitate to send us an email at privacy@vanguard.com.


©2022 The Vanguard Group, Inc. All rights reserved.


WE TAKE YOUR PRIVACY SERIOUSLY

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