Vanguard's online fraud policy
Our commitment regarding online security is simple. If assets are taken from your account in an unauthorized online transaction on Vanguard.com®—and you've followed the steps described in the Your responsibilities section below—we will reimburse the assets taken from your account in the unauthorized transaction.
By working together, we can help maximize the safety of your accounts and your personal information.
As an added precaution, check our Security Center and other trustworthy sources on a regular basis to help you stay current on the latest security issues and to get advice on how to protect your account and personal information.
Details regarding this protection: This protection applies only to the following types of Vanguard® accounts: Vanguard nonretirement mutual fund accounts; Vanguard individual retirement accounts (IRAs); accounts maintained with Vanguard Brokerage Services®, a division of Vanguard Marketing Corporation; and participant accounts in retirement plans for which Vanguard provides recordkeeping and administrative services. Accordingly, this protection does not apply to annuities or to 529 college savings plan accounts.
Vanguard will determine the type and amount of reimbursement—including whether to restore to your account cash and/or shares of securities equal to the amount of cash and/or shares of securities in your account at the time of any unauthorized activity—and whether to reverse unauthorized trades and reinstate positions as held at the time of any unauthorized activity. This protection does not cover any tax consequences; legal fees or expenses; other professional fees or expenses; or any special, indirect, incidental, consequential, punitive, exemplary, lost opportunity, or non-monetary damages. Vanguard reserves the right to offset any amount it would otherwise pay to you pursuant to this policy by compensation you have received from other sources for the same loss.
Vanguard may seek restitution for reimbursements made to you from the person(s) or entity that committed the unauthorized activity. Vanguard may, at its discretion and as a condition of this protection, require that you assign to Vanguard certain rights you may have regarding your loss and/or sign a release form. You may not assign any rights to this protection from Vanguard to any other individual or entity.
Need technical assistance?
Contact Web Technical Support Services at 888-353-0547, Monday through Friday, 8 a.m. to 7 p.m., Eastern time.
Report security concerns
Receive a suspicious e-mail claiming to be from or about Vanguard? Forward it to us at email@example.com
Have other security concerns? E-mail us at firstname.lastname@example.org
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