Member Rights & Responsibilities

Members can expect

Clear disclosure of material membership terms, fees, and optional paid entitlements.
The ability to review and correct material Member-provided information.
Reasonable explanations of significant estimates, assumptions, automated outputs, and limitations where appropriate.
Privacy and security practices described in the applicable policies.
The ability to defer or decline optional requests for information where permitted.
Access to the Member Service Center for account and service issues.
Electronic notice of material changes when required by law or the applicable agreement.
The ability to close an account, subject to lawful retention, security, fraud-prevention, audit, and regulatory obligations.

Providing information that is accurate to the best of their knowledge.
Reviewing important financial information before acting.
Keeping authentication factors, devices, and credentials reasonably secure.
Promptly reporting suspected unauthorized account access or material data errors.
Using the service lawfully and in accordance with applicable terms.
Respecting intellectual-property, security, and acceptable-use restrictions.
Obtaining qualified professional assistance when a matter requires legal, tax, investment, accounting, medical, or other regulated expertise not expressly provided under a separate agreement.

Member responsibility does not waive rights that cannot lawfully be waived.