PERSONAL INVESTORS LOG IN Security at Vanguard Keeping your accounts secure is our priority. Partnership is the key. Protect your accounts How we protect you Online security tips Suspect fraud? Protect your accounts As a client, you have an important role to play in account security. These are some of the security features you can adopt to help protect your Vanguard accounts. Security codes When you log on to your Vanguard account from a device we don't recognize, we'll send you a unique, 6-digit number via text. Clients with U.S. phone numbers can choose to receive the code via an automated phone call. This 2-factor (or multifactor) authentication adds another layer of security you'll need to provide before we can connect you to your account. More about security codes Enroll secure access Account activity alerts Receive an immediate text message or email if we discover certain transactions and profile changes made to your account. More about account activity alerts Enroll secure access Trusted contact Naming a trusted contact can be an important way to help keep your assets safe and sound. This is a person Vanguard could reach out to if we ever had concerns that you may be a victim of financial exploitation or are experiencing diminished mental capacity. More about trusted contacts Name a trusted contact secure access Security keys A security key is a small device you can purchase, like a flash drive, that plugs into your computer's USB drive and provides another layer of security when you're logging on to our website. More about security keys Register a security key secure access Voice verification Get safe, fast access to your accounts via phone using the sound of your voice to confirm your identity. Watch our video to see how it works More about voice verification Enroll secure access Note: Security codes are required for personal investor clients and participants in an employee-sponsored plan. Voice verification and trusted contact are only available for personal investor clients. How we protect you We have many measures to help protect our systems and your accounts when you do business with us online, protect your personal and account information within Vanguard's walls, and secure our physical properties. Website security Our website employs various security features—visible and invisible—to help keep you safe. Encryption SSL (Secure Sockets Layer) validation Username and password protection Account activity alerts Security questions for user authentication. "Time-out" feature to protect user information. Masking digits to protect bank account information. We also have a redundant data center in case one data center becomes unavailable, and test attack models within Vanguard's network. Note: A security alert could indicate that either the date on your computer is incorrect or you're using an outdated version of your web browser. In addition to these safeguards, Vanguard will never: Send an unsolicited email asking you to respond with your personal account information (e.g., username, password, or Social Security number). Ask for your web password in an email or request your personal information over the phone or by U.S.mail. We may ask for personal information if you've contacted us to report you're having trouble logging on to your Vanguard account(s). Video transcript When you call Vanguard We'll take steps to ensure we've verified your identity before discussing personal and financial information with you over the phone. We'll ask you to verify personal information, which may include the security questions you selected as part of the web registration process. For extra verification, you can also request to use a PIN or password of your choice every time you call. We'll never call you and ask for your password or logon credentials, your Social Security number, or a security code you've received via text or automated call. You should never disclose this information to anyone over the phone. If you suspect someone has gained access to this information, contact our fraud team immediately. Text messages from Vanguard Clients can opt in to receive service alerts via text message. You might get a service alert to remind you about an upcoming appointment or if we ever need more information to complete a request you submitted. In addition, you can opt to receive account activity alerts, a security feature that will notify you when certain changes or transactions are made on your account. Review the terms and conditions to familiarize yourself with Vanguard's policy on service-related text messaging. Always use good judgment before tapping on links in text messages. If you're not expecting a text message from us, we do not recommend tapping on the link. Notice about Section 311 of the USA PATRIOT Act U.S. AML Certification PDF Online security tips In addition to taking advantage of Vanguard's security features, here are some general tips and best practices for keeping your personal and financial information safe online. Secure your computer and mobile devices Keep your operating systems up to date, and be sure to install security software. Set up the screen lock feature on any mobile devices to prevent unauthorized access. Always log off the site and close your internet browser or mobile app when you finish viewing your account information online. More about securing your devices Public wi-fi networks Avoid using public wi-fi networks or unfamiliar hotspots. These networks are much more vulnerable than secure networks to malicious software that can install malware on your device to capture your username, password, and other security credentials when you go online. Beware of unsolicited "popup" requests If you didn't ask for it, you should decline the offer and close the window. Before installing any software on your device, always take a few minutes to research it. Social media Use common sense and caution when sharing personal information on social media, and make sure you know exactly how to control the privacy settings for every site you use. FBI's common scams The FBI website contains helpful information on how to protect your computer, along with an updated list of common scams and internet crimes. Scams and Safety on the Internet new window Fraudulent "phishing" emails Beware of fraudulent ("phishing") emails. At first glance, these may appear to be coming from a legitimate sender, with an urgent request for you to click a link and/or update personal information. Always inspect a message carefully before you open any links. More about phishing emails Create strong passwords Your Vanguard account password should be reasonably complex and preferably at least 8 characters long. You should also update your password regularly and ensure it's different from the passwords you use to log on to other websites. More tips on passwords and credentials Monitor your account for fraudulent activity Vanguard sends confirmation letters or emails when changes occur on your account. You can also sign up to receive account activity alerts via text for more immediate notification. If you see a change or transaction you didn't authorize, or you suspect fraud for any reason, contact us immediately at 877-223-6977 or via email at fraud@vanguard.com. And if you've been a victim of identity theft within the past 12 months, please let us know. Financial exploitation Are you at risk? Financial exploitation is a real concern, particularly for seniors and other vulnerable investors. Elder fraud claims between $3 billion and $37 billion a year in damages, but the truth is that anyone at any age can become a victim. The financial and emotional toll it takes on individuals and families can be devastating. Take these important steps to protect yourself: Review and update your security settings to ensure you've taken all the steps available to you to safeguard your accounts. Here's how: Once logged on to your account, from My Accounts, go to Account Maintenance and Security Profile. Prepare estate planning documents while you're in good health. Work with an attorney to determine if a durable or springing power of attorney is most appropriate for you; either of these would remain in effect if you were to become incapacitated. Beware of "robocalls" from unknown numbers. Don't share personal information (i.e., Social Security number, passwords, or logon credentials) with anyone over the phone if you haven't initiated the contact. To reduce unwanted calls, register your home or mobile phone number on the FTC's National Do Not Call Registry.new window Beware of "phishing" emails and clicking or tapping on links in any unsolicited email message. Never wire or send money to someone you haven't met in person. Financial exploitation and seniors Scammers target seniors in part because they're more likely to have accumulated significant wealth and assets, although seniors at all income levels are vulnerable. Common scams include callers who claim they're official agency representatives of the IRS or Social Security Administration. In some cases, seniors are financially exploited by a close contact, family member, or caretaker, making the situation even more sensitive and complex. Vanguard will never call you and ask you for: Your password/logon credentials. A security code you received via text or automated call. Your social security number. You should never disclose this information to anyone over the phone. If you suspect someone has gained access to this information, contact our fraud team immediately. We won’t send emails with logon links or attachments unless you’re expecting such an email from us based on a conversation with one of our crew members. Naming a trusted contact can help prevent financial exploitation. A trusted contact is someone Vanguard could reach out to if we ever have concerns that you might be a victim of financial exploitation or are experiencing diminished mental capacity. This person is strictly a contact and wouldn't have any access to your funds. Name a trusted contact secure access Help keep your loved ones safe You can help protect family members, loved ones, and even yourself by having regular conversations about financial planning and physical well-being. Understanding your loved one's overall financial situation, including plans for retirement income and transfer of assets, and making sure their estate planning documents have been prepared, are important steps. Pay attention to any concerns that may arise, especially the warning signs of exploitation, which may include sudden or unexplained withdrawals or charges on their accounts, increased anxiety about their finances, new relationships with people you don't know, and sudden mood or behavioral changes. Additional resources: Bureau of Consumer Financial Protection MONEY SMART for Older Adults Resource Guidenew window FBI's Common Fraud Schemes webpagenew window FINRA's Protecting Seniors From Financial Exploitationnew window National Center on Elder Abusenew window U.S. Department of Justice (Elder Justice Initiative)new window U.S. Department of Justice (Senior Scam Alert)new window Suspect fraud? Call us at 877-223-6977 or email us immediately to report unauthorized activity on your accounts, or if you suspect fraud. Step-by-step guide to reporting fraud We need to know immediately if you've been a victim of fraud. Please take the following steps: Contact Vanguard immediately at 877-223-6977 or send an email to fraud@vanguard.com. Conduct a full virus scan on all your computers and mobile devices. You need to make sure you've removed any malicious code from your computers and devices before completing the next steps. Change your credentials on all websites you log on to. This includes your username, password, and security questions. Also remember to change your email and social media accounts. Alert the 3 major credit bureaus. These companies monitor your credit activity and can block people from opening accounts using your information. Contact each credit bureau below: Equifax new window : 888-766-0008 Experian new window : 888-397-3742 TransUnion new window : 800-916-8800 If you've been a victim of identity theft in the last 12 months and you're a Vanguard client, let us know. You can send an email to fraud@vanguard.com and include your name, the circumstances of the criminal activity, and a phone number where we can reach you. Or you can call us at 877-223-6977 so we can collect the details and begin to investigate. Tips for keeping your account information safe For more information on identity theft, visit the Federal Trade Commission (FTC) website. You'll get more information about this crime, see some helpful tips about how to protect yourself, and read about the latest scams. Visit the FTC websitenew window Vanguard's fraud policy Our promise to you Your peace of mind and the security of your accounts are extremely important to us. We'll reimburse you the full amount that we determine was taken from your Vanguard account in an unauthorized online transaction on vanguard.com. If there's evidence you neglected to reasonably safeguard your account, further investigation may be necessary to determine whether we can issue a reimbursement. To ensure your full protection under our policy and prevent unauthorized activity on your accounts, it's your responsibility to follow the security practices outlined below. Your responsibilities Be aware of the risks of sharing your account information: If you share your vanguard.com username 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. Everyone has a role to play in account security. Here's how to do your part: Protect your computer/devices Make sure that any computer or device you use to access your accounts has up-to-date antivirus and antispyware 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 username, password, and other account-related information Make sure your username, password, and answers to your security questions are unique and strong, and keep them secure. Be careful about responding to, opening attachments in, or clicking or tapping 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, 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. 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 record keeping 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. CONNECT WITH US® Vanguard funds not held in a brokerage account are held by The Vanguard Group, Inc., and are not protected by SIPC. 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