Before you invest

Before you make your investment decision you should read the relevant essential documents to help you decide whether an investment is right for you.

General terms for using our services

When you open an account, make an investment or otherwise use our services, we’ll ask you to agree to various terms and conditions. At any point where we need you to confirm that you’ve read and agreed to them, we’ll give you a link to the documents, and you can also find them all here for easy reference.

Privacy Policy
This explains the principles that define how we use and process the personal information you provide to us, and to which you need to agree so we can open an account for you.

Online Terms of Business
These set out the terms under which we provide our online service to you through our secure website and – very importantly - your obligations for keeping your PIN or password safe.

Client Terms and Conditions
These are included in the Doing Business with Fidelity document (see below). They come into force when we accept your application to invest through Fidelity, and govern the relationship between us.

Important general documents you should read

These documents are not contracts, but are designed to provide you with important information related to your investment decisions. Some of these are regulatory documents that we have to supply by law, and we’ve written all of them to be as helpful to you as possible.

Doing Business with Fidelity
This document tells you what you need to know before you invest with Fidelity. It is designed to help you make an informed decision about investing, and contains the key features for our Investment Account and ISA Accounts (including the aims, your commitment, the general risks, the charges, tax considerations and how your investments are administered). You can also find the Client Terms and Conditions at the end of this document.

Anti-money laundering policy
To help us protect you from fraud, and mitigate the risk of financial crime, we need to confirm the identity and residential status of our customers. You can learn more about our anti-money laundering policy and what to do if you need to send us additional information to confirm your identity in this document.

Our cookie policy
Our cookie policy explains the different types of cookies that we use on our websites, and why we use them. It also shows you how to control your cookie settings; remember that because some cookies are necessary, clearing them from your browser may affect your experience when logging in to manage your accounts.

When you’re transferring any investment to Fidelity

Legal terms we’ll ask you to agree to

Fees reimbursement terms and conditions
When you move over £1,000 of investments to Fidelity, we will reimburse the exit/redemption fees charged to you by your former provider, up to a maximum amount of £500 per customer. This document explains the terms under which this reimbursement will apply.

Exit fee terms and conditions

When you’re opening or transferring a pension

Legal terms we’ll ask you to agree to

The Fidelity SIPP Terms and Conditions
These govern your relationship with us as the company providing your SIPP. They are contained in the Fidelity SIPP Key Features Document (see below).

Important documents you should read

When opening or transferring a pension, be sure you’re familiar with the following:

The Fidelity SIPP Key Features Document
This document is designed to help you make an informed decision about investing in a Fidelity SIPP. It explains the eligibility criteria and gives you details on the compensation scheme, your cancellation rights and the complaints procedure, and also contains the SIPP Terms and Conditions.

The Fidelity SIPP Transfer Factsheet
This factsheet lists some key advantages and disadvantages of transferring a pension to Fidelity. You should read it carefully and obtain financial advice from an authorised financial adviser if you are in any doubt about transferring a pension, because Fidelity Personal Investing only gives information on products and services and does not provide advice.

The Fidelity SIPP Tax Relief factsheet
When you invest in a pension the government adds to your contributions; this tax relief is one of the key benefits of pension schemes such as the Fidelity SIPP, and this factsheet explains how this works.

The SIPP Deed and Rules
This document establishes the Fidelity SIPP scheme and the conditions under which it operates.

When you’re opening an ISA

Legal terms we’ll ask you to agree to

Whether you’re opening an ISA for yourself, or one on behalf of a child, you’ll need to confirm your eligibility.

The ISA declaration
This is your confirmation that you are eligible to apply for an ISA. Because an ISA is a tax-efficient type of account, you need to agree to this when you open one.

The ISA declaration

The Junior ISA declaration
This is where we ask you to confirm that the person opening a Junior ISA has parental responsibility for the child, and that the child is eligible for a Junior ISA.

The Junior ISA declaration

When you’re investing in an open-ended investment company

Legal terms we’ll ask you to agree to

The SICAV declaration
The SICAV disclosure is something we ask you to agree to when you invest in a particular type of open-ended investment company established in Luxembourg as a société d'investissement à capital variable (SICAV) or one of its sub-funds.

The SICAV declaration

When you’re buying any fund

Important documents you should read

Before investing in a fund you should be sure you understand the following

The Key Investor Information document (or equivalent)
We are required by law to help you understand the nature and the risks of investing in every fund that we offer. You can find this information in the Key Investor Information Document (KIID). This is not marketing material, and you are advised to read the KIID for each fund so you can make an informed decision about whether to invest.

Where can you find the KIID?

KIID screenshot

When you view a fund, you can find the Key Investor Information Document for it by clicking on the link in the Important Documents section.

Dealing and settlement times
Depending on the type of deal you are placing, our settlement times may vary. You can find full details on our dealing and settlement times here.

 

Latest Fund Prospectuses
In these prospectuses you’ll find information about each of the Fidelity funds, including fund objectives, minimum holdings, various charges and the fund performance.

When you’re thinking about tax

Important documents you should read

Find out what you need to know about tax and investing

Supplementary Information about Taxation
This document gives you some basic information about tax in relation to investments. Remember that for all funds, the personal tax you pay depends on your individual situation and/or the place where your capital is invested. What’s more, all tax rules may change, and so if you are unclear what your position is you should always speak to your adviser.

Latest Fund Prospectuses
In these prospectuses you’ll find information about each of the Fidelity funds, including fund objectives, minimum holdings, various charges and the fund performance.

How is my money protected when I invest with Fidelity?

Fidelity has multiple levels of protection for your money in the event that something goes wrong. Fidelity is authorised and regulated by the Financial Conduct Authority, which means we always hold a significant amount of liquid capital. And because we are an investment firm, not a bank, we are required to separate client money and assets from our own resources. If all protections we have in place were to fail, you might have a claim under the Financial Services Compensation Scheme (but remember that this will not pay compensation if your investment performs poorly as a result of market conditions).

Our online terms

We want all our policies to be clear and transparent. Learn more about the online terms and conditions for making investments and accessing your account via our secure online system.

Doing business with us

We want you to be sure you’ve found a provider that suits your needs. Find out all you need to know about doing business with Fidelity, before you choose to invest with us.