Online security: Our promise to you
Clients like you make Vanguard special. The security of your information is extremely important to us, so our commitment to you is simple:
We'll reimburse you the amount taken from your Vanguard account in an unauthorized online transaction on vanguard.com if you've followed the steps described in the Your responsibilities section below.
You should be aware of the risks of sharing your account information: If you share your vanguard.com user name and password, or if you allow someone to access your account information, activities performed with your shared or accessed credentials or information may be considered authorized. If you've given someone authority to transact on your behalf, that person's activity is authorized.
|Remember that everyone has a role to play in account security. Here's how to do your part.
|Protect your computer/device.
- Make sure that any computer or device you use to access your accounts has up-to-date anti-virus and anti-spyware software and is protected by a firewall.
- Don't use a public computer unless you know it has up-to-date security and you can log off completely.
|Protect your vanguard.com user name, password, and other account-related information.
- Make sure your user name, your password, and the answers to your security questions are unique and strong, and keep them secure.
- Be careful about responding to, opening attachments in, or clicking links in emails that ask you for personal or financial information, because you may expose account-related information. Vanguard will never send you an email asking for your Social Security number, account numbers, passwords, or security questions and answers.
- Don't store your password or answers to security questions on the computer or device you use to access your Vanguard accounts.
|Monitor the activity in your account, and alert us immediately of any activity you didn't authorize.
- Review the account-related information we send or make available to you as soon as you receive it, such as account statements, confirmations, and changes to your mail preferences (such as an address change), bank information (such as the addition or deletion of a bank), and other services.
- Let us know immediately if you discover unauthorized activity, whether that activity is a transaction, a change to your account, or the addition, removal, or change of an account option or service. If you see something that you don't understand or that looks unusual, contact us for an explanation.
|Cooperate with us.
If Vanguard investigates suspected unauthorized activity in your account, you must fully cooperate with us. For example, we may ask you to file a police report, provide us with a statement of facts, or allow us access to your computer.
We know that keeping up with the latest security software, operating systems, and fraud scams can be challenging, so we've also collected information on how to protect yourself online. Visit our Security Center for tips on protecting your devices and personal information, and learn how Vanguard protects your personal and financial information.
Accounts that may be covered
Our reimbursement commitment covers accounts that you hold directly with Vanguard mutual funds and accounts with
Vanguard Brokerage Services®, a division of Vanguard Marketing Corporation. If you participate in a retirement plan for
which Vanguard provides recordkeeping and administrative services, your participant account is covered, too (unless the
activity is performed by an employer or plan sponsor representative who is authorized to access your account, in which
case your employer or the plan sponsor may provide reimbursement for the unauthorized activity).
Accounts that aren't covered
Our reimbursement commitment doesn't apply to unauthorized activity in annuities or 529 savings plan accounts.