Accessing the Site or using the Services binds you to these Terms of Use
Wells Fargo states that by accessing the Site or using the Services you agree to be bound by these General Terms of Use, and asks anyone who does not agree not to access the Site. "Site" means a page of wellsfargo.com or a related website or mobile application belonging to Wells Fargo & Company or one of its direct or indirect subsidiaries; "Services" covers content, functionality and services offered on or through the Site. "You" is any person who accesses or uses the Site or Services, so the terms are not limited to account holders.
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Who
Any person who accesses or uses the Site or Services
Condition
Accessing the Site or using the Services
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BY ACCESSING THIS SITE OR USING THE SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS OF USE. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, PLEASE DO NOT ACCESS THIS SITE.
You are currently viewing a page of the wellsfargo.com website or a related website or mobile application (“Site”) belonging to Wells Fargo & Company or one of its direct or indirect subsidiaries ("Wells Fargo").
“You” and “your” refer to any person who accesses or uses the Site or Services.
Qualifications & exceptions
The Site covers related websites and mobile applications belonging to Wells Fargo & Company or its direct or indirect subsidiaries, not only wellsfargo.com.
"You" includes any person who accesses or uses the Site or Services, whether or not enrolled.
Legal Rights & Agreement Rules · Company practice
Wells Fargo may change these terms at any time without notice; posting makes changes effective
Wells Fargo reserves the right to modify these Terms of Use at any time without notice. A change takes effect when the updated terms are posted on the Site, and the current version is reached through a link at the bottom of the Site. If you keep accessing or using the Services after the date of a change, you agree to be bound by the most recent version. The section does not promise any advance notice or individual message about changes.
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Who
Wells Fargo
When
Effective upon posting on the Site
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Wells Fargo reserves the right to modify these Terms of Use at any time without notice. Any change to these Terms of Use will be effective upon posting of such updated Terms of Use on the Site.
By continuing to access or use the Services after the date of any change to these Terms of Use, you agree to be bound by such terms contained in the most recent version of these Terms of Use.
Qualifications & exceptions
Acceptance of a changed version is tied to continuing to access or use the Services after the date of the change.
Legal Rights & Agreement Rules · Restriction or exception
The Services may be used only for lawful purposes
You may use the Services, including the Site, only for lawful purposes, and you agree not to use them in any way that violates an applicable federal, state, local or international law or regulation.
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You may use the Services, including the Site, only for lawful purposes and you agree not to use the Services in any way that violates any applicable federal, state, local, or international law or regulation.
Legal Rights & Agreement Rules · Restriction or exception
Wells Fargo disclaims liability for linked third-party sites; your dealings there are with the provider
The Site may link to websites controlled or offered by non-affiliates of Wells Fargo. Wells Fargo disclaims all liability for another company's website content, products, privacy policies or notices, and security. If you choose to use services on a linked site, you agree to read and follow that site's policies and terms of use. Advice, opinions, services, products or recommendations from linked site providers are theirs, not Wells Fargo's, and your participation in a linked site, including paying for and receiving goods or services, rests solely on any agreement between you and that provider.
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Who
Third parties that are non-affiliates of Wells Fargo
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The Site may contain links to websites controlled or offered by third parties (non-affiliates of Wells Fargo). Wells Fargo hereby disclaims all liability for any other company's website content, products, privacy policies/notices, or security.
In the event you choose to use the services available at a linked site, you agree to read and adhere to the policies and terms of use applicable to that site.
Your participation in any linked site, including payment for and the delivery of goods or services, is based solely on the agreement, if any, between you and the linked site provider.
Qualifications & exceptions
The disclaimer covers sites controlled or offered by third parties that are non-affiliates of Wells Fargo.
The duty to read and follow a linked site's terms applies when you choose to use services available there.
Legal Rights & Agreement Rules · Restriction or exception
The Site and Services are offered as is, with no warranty of any kind
Wells Fargo offers the Services, including the Site and all its content, functionality and materials, on an "as is," "as available," "where is" and "where available" basis, with no express, implied or statutory warranty of any kind, including warranties of title, merchantability, fitness for a particular purpose or noninfringement. The disclaimer does not affect warranties that cannot be excluded, restricted or modified under the laws that apply to these terms.
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Exception
Warranties incapable of exclusion under applicable law
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THE SERVICES, INCLUDING THE SITE (INCLUDING ALL CONTENT, FUNCTIONALITY, AND MATERIALS), ARE OFFERED BY WELLS FARGO ON AN "AS IS," “AS AVAILABLE,” "WHERE IS," AND "WHERE AVAILABLE" BASIS, WITH NO WARRANTY OF ANY KIND—WHETHER EXPRESS, IMPLIED, OR STATUTORY—INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NONINFRINGEMENT.
THIS DOES NOT AFFECT THOSE WARRANTIES WHICH ARE INCAPABLE OF EXCLUSION, RESTRICTION, OR MODIFICATION UNDER THE LAWS APPLICABLE TO THESE TERMS OF USE.
Qualifications & exceptions
Warranties that applicable law does not allow to be excluded, restricted or modified are unaffected.
Legal Rights & Agreement Rules · Restriction or exception
No promise of uninterrupted service or accurate, complete information; linked-site products not endorsed
You acknowledge that neither Wells Fargo, its subsidiaries, nor their employees, agents, third-party providers or licensors warrant that the Services will be uninterrupted or error free, or make any warranty about results from using the Services or the timeliness, sequence, accuracy, reliability, completeness or content of information, services or products provided through them. Wells Fargo also states that it does not endorse products or services appearing on or bought through linked sites.
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YOU ACKNOWLEDGE THAT NEITHER WELLS FARGO, ITS DIRECT OR INDIRECT SUBSIDIARIES, NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY PROVIDERS, OR LICENSORS WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICES, OR AS TO THE TIMELINESS, SEQUENCE, ACCURACY, RELIABILITY, COMPLETENESS, OR CONTENT OF ANY INFORMATION, SERVICE, OR PRODUCT PROVIDED THROUGH THE SERVICES.
WELLS FARGO DOES NOT ENDORSE PRODUCTS OR SERVICES APPEARING ON LINKED SITES OR PURCHASED VIA LINKED SITES.
Qualifications & exceptions
The no-endorsement statement concerns products or services appearing on or purchased via linked sites.
Legal Rights & Agreement Rules · Restriction or exception
Wells Fargo disclaims responsibility for any loss from using the Site, including viruses and bodily injury
To the maximum extent applicable law permits, Wells Fargo says it is not responsible for any loss of any kind caused by access to or use of the Services or the Site, including loss from computer viruses infecting your computer or mobile device, property damage and bodily injury.
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Condition
To the maximum extent permissible under applicable law
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TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, IN NO EVENT SHALL WELLS FARGO BE RESPONSIBLE FOR ANY LOSS OF ANY KIND, INCLUDING LOSS ASSOCIATED WITH ANY COMPUTER VIRUSES WHICH MAY INFECT YOUR COMPUTER SYSTEM OR MOBILE DEVICE, PROPERTY DAMAGE, AND BODILY INJURY, WHETHER CAUSED BY ACCESS TO OR USE OF THE SERVICES OR THE SITE.
Qualifications & exceptions
Applies only to the maximum extent permissible under applicable law.
Legal Rights & Agreement Rules · Restriction or exception
No liability for direct, indirect or other damages from using the Services, under any legal theory
To the maximum extent applicable law permits, Wells Fargo is not responsible to you or anyone claiming through you for direct, indirect, special, consequential, incidental, punitive, exemplary, lost-profit, economic or other damages arising in any way from installing or using, or being unable to use, the Services, the Site, any online services or any internet browser software. This applies whatever the form of action, including contract, warranty, tort including negligence, and strict liability.
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Condition
To the maximum extent permissible under applicable law
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TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, IN NO EVENT SHALL WELLS FARGO BE RESPONSIBLE TO YOU OR ANY THIRD PARTY CLAIMING THROUGH YOU FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, INCIDENTAL, PUNITIVE, EXEMPLARY, LOST PROFITS, ECONOMIC, OR OTHER DAMAGES ARISING IN ANY WAY OUT OF THE INSTALLATION OR USE (OR INABILITY TO USE) OF THE SERVICES, THE SITE, ANY ONLINE SERVICES, OR ANY INTERNET BROWSER SOFTWARE AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.
Qualifications & exceptions
Applies only to the maximum extent permissible under applicable law.
Also bars claims by third parties claiming through you.
Legal Rights & Agreement Rules · Restriction or exception
You must defend and indemnify Wells Fargo for claims from your violations or misuse, including attorneys' fees
You agree to defend, indemnify and hold harmless Wells Fargo, its direct and indirect subsidiaries, and their directors, officers, employees, agents, successors and assigns against all losses, liabilities, damages, claims and expenses, including attorneys' fees, arising from or relating to your violation of these Terms of Use or misuse of the Service or Site. This includes violations or misuse by your employee or agent.
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Condition
Your violation of these terms or misuse of the Service or Site
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You agree to defend, indemnify, and hold harmless Wells Fargo (and all of its direct and indirect subsidiaries) and each of their respective directors, officers, employees, agents, successors, and assigns from and against all losses, liabilities, damages, claims, and expenses, including attorneys' fees, arising out of, relating to, or resulting from your violation of these Terms of Use or misuse of the Service or the Site, including such violation or misuses conducted by your employee or agent.
Qualifications & exceptions
Triggered by your violation of these terms or misuse of the Service or Site.
Covers violations or misuse by your employee or agent.
Legal Rights & Agreement Rules · Context
Minnesota law governs these terms, excluding its conflict-of-laws rules
These Terms of Use form a contract between you and Wells Fargo governed by the laws of Minnesota (United States), except for Minnesota's conflict-of-laws provisions. The document names no court, venue or dispute-resolution method.
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Where
Minnesota, United States
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These Terms of Use constitute a contract between you and Wells Fargo governed by the laws of the state of Minnesota (United States of America), with the exception of its conflicts of laws provisions.
Not stated here
No venue, court or arbitration term appears in this document.
An unenforceable term is replaced by the closest enforceable term; the rest stays in force
If any term is held unenforceable, the remaining terms are unaffected, and the unenforceable term is replaced by the enforceable term that comes closest to the intention behind it, rather than simply being removed.
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In the event any of the terms or provisions of these Terms of Use shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provision shall be replaced by such enforceable term or provision that comes closest to the intention underlying the unenforceable term or provision.
These terms are subject to any other agreement you have with Wells Fargo
These Terms of Use are stated to be subject to any other agreements you have entered into with Wells Fargo, so terms in those agreements can take priority over these general terms. Those other agreements are not identified or supplied here.
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These Terms of Use shall be subject to any other agreements you have entered into with Wells Fargo.
Not stated here
Which other agreements apply to a given user, and their terms, are not stated in this document.
The Site is hosted in the United States; more privacy information is on the privacy-security page
Wells Fargo states that the Site is hosted in the United States and that users outside the U.S. may be subjecting themselves to U.S. law, which may differ from local laws on personal data collection, use and disclosure. It points to its privacy and security page for more information; that page is not supplied here. The consent to U.S. transfer in this paragraph is explained with the earlier Privacy section card.
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Where
United States hosting; access from outside the United States
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The Site is hosted in the United States. If you are accessing this Site from outside the United States, you may be subjecting yourself to United States law, which may differ from your local laws, including laws that govern personal data collection, use, and disclosure.
To the extent permitted by applicable law, your use of the Site or Service shall constitute your consent to the transfer of personal information to the United States and the applicability of United States law.
for additional information.
Qualifications & exceptions
The U.S.-law statement is addressed to access from outside the United States.
Using the Site effectively requires browser plug-ins such as JavaScript
You agree and understand that effective use of the Site requires your browser to use software plug-ins and modules, including JavaScript, to display content and use features correctly.
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You agree and understand that effective use of the Site will require your browser to use software plug-ins and modules, including, without limitation, JavaScript, in order to correctly display content and utilize features on the Site.
Legal Rights & Agreement Rules · Context
For Wells Fargo Online users, the Online Access Agreement governs and wins any conflict
If you are enrolled in Wells Fargo Online or Wells Fargo Business Online, your use of the Services is governed by the Online Access Agreement, which incorporates these Terms of Use by reference. If these Terms of Use conflict with the Online Access Agreement, the Online Access Agreement controls. The Online Access Agreement is linked, not supplied, so its terms are not part of this analysis.
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Condition
Enrolled in Wells Fargo Online or Wells Fargo Business Online
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If you are enrolled in Wells Fargo Online® or Wells Fargo Business Online®:
your use of the Services is governed by our Online Access Agreement, which incorporates these Terms of Use by reference, and
if there is a conflict between these Terms of Use and the Online Access Agreement, the Online Access Agreement controls.
Qualifications & exceptions
Applies only to users enrolled in Wells Fargo Online or Wells Fargo Business Online.
Not stated here
The Online Access Agreement's terms are not supplied, so which provisions here it overrides is unknown.
Use of the Site is subject to Wells Fargo's privacy notices; minors are covered by the Minor Privacy Notice
Your use of the Site or Services is subject to Wells Fargo's applicable privacy-related policies and notices, which the paragraph says potentially include, without being limited to, the U.S. Consumer Privacy Notice and the Digital Privacy and Cookies Policy. If you are under 18, the Minor Privacy Notice applies to you. Those notices are linked, not reproduced, so their contents are not part of this analysis.
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Condition
Under 18 years of age: Minor Privacy Notice applies
The listed notices are examples ("potentially including but not limited to"); which notices apply depends on what is applicable.
The Minor Privacy Notice applies to users under 18 years of age.
Not stated here
The linked U.S. Consumer Privacy Notice, Digital Privacy and Cookies Policy and Minor Privacy Notice are not supplied here, so their terms are unknown in this analysis.
Using the Site from outside the U.S. means consenting to transfer of personal data to the U.S. and U.S. law
If you access the Service from outside the United States, you may be subjecting yourself to United States law, which may differ from your local laws, including laws on personal data collection, storage, deletion, processing, use and disclosure. In using the Service, which this paragraph says is governed by United States law, you may transfer personal information to the United States, and you consent to that transfer and to the application of United States law. The Governing Law section repeats this and frames the consent as applying to the extent permitted by applicable law.
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Where
Access from outside the United States
Condition
To the extent permitted by applicable law
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If you access the Service from locations outside the United States, you may be subjecting yourself to United States law, which may differ from your local laws, including laws involving governing personal data collection, storage, deletion, processing, use, and disclosure.
In your use of the Service, which is governed by United States law, you may transfer certain personal information to the United States, you consent to that transfer, and you consent to the application of United States law.
To the extent permitted by applicable law, your use of the Site or Service shall constitute your consent to the transfer of personal information to the United States and the applicability of United States law.
Qualifications & exceptions
The later Governing Law paragraph states the consent applies to the extent permitted by applicable law.
The paragraph is addressed to access from locations outside the United States.
Online Chat may be offered for support, with no warranty it will be available or error-free
Wells Fargo may make an interactive online Chat service available for customer support or to help you find information. It gives no warranty that Chat will be available at any particular time or be free of fault or error, and describes Chat as provided as a convenience.
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Wells Fargo may make an interactive online chat (“Chat”) service available to you for customer support or to help you find information. Wells Fargo makes no warranty that the Chat service will be available at any particular time or be free of fault or error.
Chatting is not consent to electronic records; chat personal data follows the privacy notices
Taking part in Chat does not mean either you or Wells Fargo consents to using electronic records and signatures in place of written documents. Personal information you share in Chat is subject to the applicable privacy-related policies and notices described earlier in these terms.
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Participating in the Chat service does not constitute consent by you or us to use electronic records and signatures as a substitute for written documents. Any personal information shared with us when using the Chat service shall be subject to the applicable privacy-related policies and notices described above.
Not stated here
The privacy notices referred to are linked elsewhere in the document and not supplied here.