Terms of Use

These Terms of Use were last modified in Nov 2021.

These Terms of Use (the “Terms”) govern your use of Saifr.ai (this “website”). In continuing to access or use this website, you agree to be bound by these terms and conditions. If you are accessing this website in connection with your employment, you also accept these terms on behalf of your employer. Review the Terms carefully prior to use and each time you return as these Terms are subject to change.

Scope

  • Saifr™ is a standalone brand representing a subset of services provided by Fidelity Labs, LLC (“Fidelity Labs”), a subsidiary of FMR LLC, which is the parent company of various entities that offer products and services to the public. Some of these entities are financial services companies that are registered under federal or state laws and others are not regulated as such and may provide information and content publishing services. The registration statuses of those entities are identified on the websites of those companies, which may be subject to terms of use that are different than these Terms.
  • This website is operated by Fidelity Labs, who may modify these Terms at any time without notice to you. The most current version of the Terms can be reviewed by clicking on the “Terms of Use” link located at the bottom of this website. Any continued use of the website after such modifications shall constitute acceptance by you of such changes.
  • Certain sections of this website may contain separate terms and conditions, which are in addition to these Terms. You should read those additional terms and conditions carefully. By accessing such sections or pages, you agree to be bound by those terms and conditions. In the event of a conflict, those additional terms and conditions will govern your use of those sections or pages. You may be asked to execute supplemental agreements, in paper or electronic form, before you are permitted to access or use certain features or functionality within this website, including with respect to SaifrScan™, SaifrReview™, and other products or services you obtain or license from Fidelity Labs (each, a "Supplemental Agreement"). In the case of Supplemental Agreements presented to you online, you authorize Fidelity Labs to rely upon "checks" or “clicks” in designated locations that are attributable to your log-in credentials as your consent to the terms of such Supplemental Agreements. These Terms are not intended to supersede or modify any such Supplemental Agreement.
  • This website is intended to be made available in the United States. Nothing on this website shall be considered an offer to sell any product or service to any person in any jurisdiction where such offer or sale would be unlawful under the laws of such jurisdiction.

Limitations on advice and reliance on website

  • This website is not intended to provide legal, compliance, or other advice. Certain tools accessible via this website are intended to assist you with your compliance requirements based on your input, but you are solely responsible for these requirements and for determining whether any such tools are appropriate for you based on your objectives and regulatory requirements . You should consult your legal or compliance professional regarding your specific situation and requirements.

Copyright & DMCA Copyright Agent Information

  • This website is protected by applicable copyright laws. Accordingly, you may not copy, distribute, modify, post or frame-on this website, including any text, graphics, video, audio, software code, user interface design or logos.
  • If you believe that your work has been copied in a way that constitutes copyright infringement, please provide Fidelity Labs with the following information:
    • A physical or electronic signature of a person authorized to act on behalf of the owner of the copyright allegedly infringed;
    • A description of the copyrighted work that you claim has been infringed, or, if multiple copyrighted works are the subject of a single notice, a representative list of such works; o An identification of the allegedly infringing material, and a description of where that material is located on the website;
    • Your address, telephone number, and email address;
    • A statement by you that you have a good faith belief that use of the disputed material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
    • A statement by you, made under penalty of perjury, that the information you provide in your notice is accurate and that you are the owner of the allegedly infringed copyright, or that you are authorized to act on behalf of the copyright owner.
    • Fidelity Labs' Agent for Notice of claims of copyright infringement can be reached as follows:
      • By mail at: Tanya Courcey, Fidelity Investments, ATTN: Legal Department, 245 Summer Street, Boston, MA 02210 –
      • By phone: 617-563-9840
      • By email: CopyrightClaim@fmr.com

Linking to This Website

  • Unless you and Fidelity Labs have agreed otherwise, links from another web site to this website must resolve to the top-level homepage of Saifr.ai. In order to avoid confusion if you do link from another web site to the top level homepage of Saifr.ai, then your web site (and the link itself) must not suggest that Fidelity Labs endorses, sponsors or is affiliated with any non-Fidelity web site, entity, service or product, and may not make use of any Fidelity trademarks or service marks other than those contained within the text of the link.
  • Trademarks

  • All trademarks and service marks on this website belong to Fidelity Labs or FMR LLC or another Fidelity Labs affiliate, except third-party trademarks and service marks, which are the property of their respective owners.
  • Third-party content and research

  • This website may include general news and information, commentary, interactive tools, research reports, and data concerning Saifr™ and other subjects. Some of this content is supplied by companies that are not affiliated with Fidelity Labs ("Third-Party Content"). On the website, Third-Party Content is available through framed areas, through hyperlinks to third party web sites, or is simply published on the site. The Third-Party Content is protected by copyright pursuant to United States laws and international treaties and is owned or licensed by the Third-Party Content provider(s) credited.

  • Fidelity Labs has not been involved in the preparation of Third-Party Content and does not endorse or approve such content. The Third-Party Content providers do not give advice or advocate the purchase of any product or service.
  • While Fidelity Labs attempts to provide accurate and timely information to serve the needs of users, neither Fidelity Labs nor the Third-Party Content providers guarantee its accuracy, timeliness, completeness, or usefulness. Third-Party Content is provided for informational purposes only and Fidelity Labs and the Third-Party Content providers specifically disclaim any responsibility for Third-Party Content available on the site and for any advertising, products, or other materials on or available from third-party sites. Your use of Third-Party Content is at your own risk. THE THIRD-PARTY CONTENT IS PROVIDED ON AN "AS-IS" BASIS. THE THIRD-PARTY CONTENT PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.
  • THE THIRD-PARTY CONTENT PROVIDERS AND THEIR PARENTS, SUBSIDIARIES, AFFILIATES, SERVICE PROVIDERS, LICENSORS, OFFICERS, DIRECTORS OR EMPLOYEES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR RELATING TO THE USE OR THE INABILITY TO USE THE THIRD-PARTY CONTENT, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLE DAMAGES, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
  • Timeliness of content

  • All content on this website is presented only as of the date published or indicated and may be superseded by subsequent events or for other reasons. Users are cautioned not to place undue reliance on any forward-looking statements (indicated by language such as “believe,” “anticipate,” “expect” or similar words), which were based on information available at the time they were made and not based on your particular circumstances or requirements. Fidelity Labs undertakes no obligation to publicly update or revise any dated or forward-looking statements.
  • Prohibited uses

  • You may use this website only as permitted by law.
  • Because all servers have limited capacity and are used by many people, do not use this website in any manner that could damage or overburden any Fidelity Labs server, or any network connected to any Fidelity Labs server. Do not use this website in any manner that would interfere with any other party's use of this website. Do not introduce or permit any person to introduce into this website any code or malicious or hidden mechanisms that would impair the operation of this website, or of Fidelity Labs’ computers, networks, or other devices of software.
  • You should not access the website through devices or services that are designed to provide high speed, automated, repeated access, unless such devices are approved or made available by Fidelity Labs.
  • Certain parts of this website are protected by passwords or require a login. You may not obtain or attempt to obtain unauthorized access to such parts of this website, or to any other protected materials or information, through any means not intentionally made available by Fidelity Labs for your specific use.
  • No content made available on this website may be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose, without express written consent of Fidelity Labs.
  • Password security and notification

  • If you have user credentials (including, for example, a username and password) for access to non-public areas of this website, you are solely responsible for maintaining the confidentiality of those credentials and other security data, methods, and devices relating to your use of the website or such credentials. Further, you are responsible for all activities that occur in connection with your access credentials, including all instructions electronically transmitted or use of any data, information, or services obtained using your access credentials and other security data. Fidelity Labs shall not be under any duty to inquire as to the authority or propriety of any instructions given to Fidelity Labs by you or via your user credentials and shall be entitled to act upon any such instructions. Fidelity Labs will not be liable for any loss, cost, expense, or other liability arising out of any such instructions. Accordingly, you should take steps to protect the confidentiality of your access credentials. As an authorized user you accept full responsibility for the monitoring of your account, including frequently checking your account information, reviewing your transaction history online, and promptly reviewing any correspondence, account statements, and confirmations received from Fidelity Labs. Notify Fidelity Labs immediately if you become aware of any unauthorized activity, disclosure, loss, theft, or unauthorized use of your user credentials. You agree to cooperate with Fidelity Labs in any investigation and agree to take corrective measures to protect your account from further fraudulent activity.
  • Security of Electronic Communications

  • Electronic (including wired and wireless) communications to or from Fidelity Labs, including via the website, may not be encrypted. You acknowledge that there is a risk that data, including e mail, electronic and wireless communications, and personal data, may be accessed by unauthorized third parties when communicated between you and Fidelity or between you and other parties.
  • DISCLAIMER OF WARRANTIES

  • FIDELITY LABS DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES ABOUT THIS WEBSITE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THIS WEBSITE IS MADE AVAILABLE TO YOU "AS IS" AND "AS AVAILABLE".
  • ALTHOUGH FIDELITY LABS TRIES TO INCLUDE ACCURATE AND TIMELY INFORMATION ON THE WEBSITE, THERE MAY BE INADVERTENT INACCURACIES AND ERRORS, AND FIDELITY LABS DOES NOT WARRANT THE ACCURACY, COMPLETENESS, OR TIMELINESS OF THIS WEBSITE OR ANY INFORMATION, TEXT, GRAPHICS, LINKS, OR OTHER FIDELITY LABS OR THIRD-PARTY CONTENT ON THIS WEBSITE. FIDELITY LABS DOES NOT WARRANT THAT ANY DEFECTS OR INACCURACIES WILL BE CORRECTED OR THAT THEY WILL BE CORRECTED IN A TIMELY MANNER. FIDELITY LABS MAY CHANGE THIS WEBSITE AND ANY CONTENT THEREON AT ANY TIME WITHOUT NOTICE.
  • FIDELITY LABS DOES NOT WARRANT THAT THIS WEBSITE WILL BE UNINTERRUPTED, OR SECURE. IF YOU DOWNLOAD ANY MATERIALS FROM THIS WEBSITE, YOU DO SO AT YOUR RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER OR OTHER ELECTRONIC SYSTEM OR LOSS OF DATA THAT RESULTS.
  • FIDELITY LABS ALSO DOES NOT WARRANT THAT THE RESULTS OBTAINED FROM THE USE OF THIS WEBSITE WILL BE ACCURATE OR RELIABLE, OR THAT THIS WEBSITE OR ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THIS WEBSITE WILL MEET YOUR NEEDS OR EXPECTATIONS.
  • IF YOU LIVE IN A STATE THAT DOES NOT ALLOW WARRANTIES TO BE LIMITED OR DISCLAIMED, SOME OR ALL OF THESE PROVISIONS MAY NOT APPLY TO YOU.
  • LIMITATION OF LIABILITY

  • FIDELITY LABS WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES OF ANY KIND, WHETHER CONSEQUENTIAL, INCIDENTAL, SPECIAL, DIRECT, INDIRECT OR OTHERWISE, IN CONNECTION WITH THIS WEBSITE. FIDELITY LABS EXPRESSLY DISCLAIMS LIABILITY FOR LOST PROFITS OR ANY DAMAGES THAT RESULT FROM USE OF, OR LOSS OF USE OF, THIS WEBSITE AND MATERIALS ON THIS WEBSITE (WHETHER PROVIDED BY FIDELITY LABS OR THIRD PARTIES). THIS DISCLAIMER OF LIABILITY APPLES EVEN IF FIDELITY LABS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES.
  • FIDELITY LABS WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS RESULTING FROM A CAUSE OVER WHICH FIDELITY LABS DOES NOT HAVE DIRECT CONTROL. THIS INCLUDES FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT OR COMMUNICATIONS LINES (INCLUDING TELEPHONE, CABLE, AND INTERNET), UNAUTHORIZED ACCESS, VIRUSES, THEFT, OPERATOR ERRORS, SEVERE OR EXTRAORDINARY WEATHER (INCLUDING FLOOD, EARTHQUAKE, OR OTHER ACT OF GOD), FIRE, WAR, INSURRECTION, TERRORIST ACT, RIOT, LABOR DISPUTE AND OTHER LABOR PROBLEMS, ACCIDENT, EMERGENCY OR ACTION OF GOVERNMENT.
  • IF YOU LIVE IN A STATE THAT DOES NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SOME OR ALL OF THESE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.
  • IF THE LIMITATIONS OF LIABILITIES OR REMEDIES IN THESE TERMS ARE DETERMINED TO NOT APPLY TO YOU OR TO BE UNENFORCEABLE FOR ANY REASON, THEN YOU EXPRESSLY AGREE THAT THESE PROVISIONS WILL BE CONSTRUED TO APPLY TO THE MAXIMUM EXTENT PERMITTED BY LAW AND THAT UNDER NO CIRCUMSTANCES WILL THE TOTAL, AGGREGATE LIABILITY OF FIDELITIY AND ALL THIRD PARTY CONTENT PROVIDERS FOR ANY CAUSE WHATSOEVER RELATING TO THIS AGREEMENT, THIS WEBSITE, OR ANY FIDELITY LABS OR THIRD PARTY CONTENT ON THIS WEBSITE, EXCEED $100.
  • Indemnification

  • As a condition of your use of this website, you agree to indemnify and hold Fidelity Labs and its affiliates and Third-Party Content providers harmless from and against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys' fees) arising from your use of this website or any Fidelity Labs or Third-Party Content on this website, or from your violation of these Terms.
  • Termination

  • Fidelity Labs may terminate or suspend your access to this website for any reason, without prior notice.
  • Governing law

  • These Terms and their enforcement are governed by the laws of the Commonwealth of Massachusetts, without regard to conflicts of law, and shall inure to the benefit of Fidelity Labs' successors and assigns, whether by merger, consolidation, or otherwise.
  • Severability

  • If a court of competent jurisdiction deems any provision of these Terms to be unenforceable or in conflict with applicable laws, rules, or regulations, either present or future, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.


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