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.
Details
Who
Any person who accesses or uses the Site or Services
Condition
Accessing the Site or using the Services
Supporting quotations
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.
Details
Who
Wells Fargo
When
Effective upon posting on the Site
Supporting quotations
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.
Wells Fargo may modify or end the Services or your Site access at any time
Wells Fargo reserves the right to modify or terminate the Services, or to terminate your access to the Site, in whole or in part, at any time. This section states no required reason, notice period or procedure for doing so.
Details
Who
Wells Fargo
When
At any time
Supporting quotations
Wells Fargo reserves the right to modify or terminate the Services or to terminate your access to the Site, in whole or in part, at any time.
Qualifications & exceptions
The right covers partial as well as complete modification or termination.
Wells Fargo trademarks may not be used without prior written consent
Trademarks, service marks, trade names, trade dress and related intellectual property rights in the Services belong to Wells Fargo or its licensors or licensees. You may not use, reproduce or display any Wells Fargo trademark unless Wells Fargo has given prior written consent.
Details
Exception
Wells Fargo's prior written consent
Supporting quotations
You may not use, reproduce, or display any of the Wells Fargo trademarks except upon Wells Fargo’s prior written consent.
Content & IP Rights · Restriction or exception
No copying, framing, reverse engineering or republishing the Site for commercial or public purposes
The Site and its contents, features and functionality are owned, controlled or licensed by Wells Fargo. Except as these terms expressly provide, you may not copy, display, distribute, transmit, transfer, link to, reproduce, license, frame, alter, create derivative works of, reverse engineer or republish any part of the Site for a commercial or public purpose without Wells Fargo's prior written consent. The listed acts are restricted when done for a commercial or public purpose; the personal and informational uses the same paragraph allows are described separately.
Details
Why
Any commercial or public purpose
Exception
As expressly provided in these terms or with prior written consent
Supporting quotations
Except as expressly provided in these Terms of Use, you may not copy, display, distribute, transmit, transfer, link to, reproduce, license, frame, alter, create derivative works of, reverse engineer, or republish all or any portion of the Site for any commercial or public purpose without Wells Fargo's prior written consent.
Qualifications & exceptions
The restriction is stated for any commercial or public purpose.
Wells Fargo's prior written consent, or an express provision of these terms, lifts the restriction.
You may view Site information and download materials for personal or internal business use
You may view information on the Site for your informational purposes. You may download materials from the Site, other than software or source code, only for your personal or internal business purposes. Software or source code may be downloaded only when Wells Fargo purposely made it available for download, and then subject to any applicable terms of use. Downloading anything gives you no ownership rights of any kind.
Details
Why
Personal or internal business purposes
Condition
Software only if purposely made available, subject to applicable terms
Supporting quotations
You may, however, view information available on the Site for your informational purposes. You may download from the Site materials, except for software or source code, but only for your personal or internal business purposes only.
You may download software or source code from the Site, but only such software or source code purposely made available to you by Wells Fargo for downloading from the Site, subject to any applicable terms of use.
You acknowledge and agree that you do not acquire any ownership rights of any kind by downloading materials from the Site.
Qualifications & exceptions
Material downloads are limited to personal or internal business purposes.
Software or source code is downloadable only when Wells Fargo purposely made it available, subject to any applicable terms of use.
Downloading confers no ownership rights.
Not stated here
The "applicable terms of use" for downloadable software are not supplied in this document.
Appropriate use: no overloading systems, hindering others or sending malware
Using the Services and Site obliges you to use them appropriately. The obligation includes, without being limited to, not causing an unreasonable or disproportionately large processing load on Wells Fargo's Services or systems, not restricting or inhibiting others' use of the Services, and not introducing or transmitting viruses, worms, Trojan horses or other harmful material. Unauthorized use of the Services, misuse of passwords and misuse of information or material posted on the Site are strictly prohibited.
Details
Who
You, as a user of the Services and Site
Supporting quotations
Your use of the Services, including the Site, imposes on you an obligation of appropriate use and conduct, which includes, but is not limited to, not causing an unreasonable or disproportionately large processing load on our Services or systems, not engaging in any conduct that restricts or inhibits use of the Services by others, and not introducing or transmitting any virus, worm, Trojan horse, or other material that may harm or disrupt our Services or systems.
Unauthorized use of the Services, misuse of passwords, or misuse of any information or material posted on this Site is strictly prohibited.
Qualifications & exceptions
The listed conduct is introduced as included but not limited to, so the obligation can reach other inappropriate conduct.
Not stated here
The document does not define "appropriate use and conduct" beyond the listed examples.
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.
Details not recorded for this card
Supporting quotations
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.
Content & IP Rights · Procedure
Copyright owners may ask for removal; accused users may send a counter-notice
If you believe in good faith that material on the Site infringes your copyright, you or your agent may send Wells Fargo a notice asking it to remove the material or block access to it. If you believe in good faith that someone wrongly filed an infringement notice against you, the paragraph says the Digital Millennium Copyright Act lets you send Wells Fargo a counter-notice. The paragraph links to a separate DMCA notice page and mentions the U.S. Copyright Office site; how and where to send notices, and what Wells Fargo does after receiving one, are not stated in this document.
Details
Condition
Good-faith belief of infringement or of a wrongly filed notice
Supporting quotations
If you believe in good faith that materials available on the Site infringe your copyright, you (or your agent) may send Wells Fargo a notice requesting us to remove the material or block access to it.
If you believe in good faith that someone has wrongly filed a notice of copyright infringement against you, the Digital Millennium Copyright Act permits you to send Wells Fargo a counter-notice.
Qualifications & exceptions
Both notices are framed around a good-faith belief by the sender.
Not stated here
The linked DMCA notice page is not supplied, so the notice address, required contents and Wells Fargo's response steps are unknown here.
The paragraph does not commit Wells Fargo to remove or block material after a notice.
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.
Details
Who
Third parties that are non-affiliates of Wells Fargo
Supporting quotations
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.
Details
Exception
Warranties incapable of exclusion under applicable law
Supporting quotations
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.
Details not recorded for this card
Supporting quotations
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.
Details
Condition
To the maximum extent permissible under applicable law
Supporting quotations
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.
Details
Condition
To the maximum extent permissible under applicable law
Supporting quotations
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.
Details
Condition
Your violation of these terms or misuse of the Service or Site
Supporting quotations
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.
Details
Where
Minnesota, United States
Supporting quotations
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.
Details not recorded for this card
Supporting quotations
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.
Details not recorded for this card
Supporting quotations
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.
Details
Where
United States hosting; access from outside the United States
Supporting quotations
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.
Details not recorded for this card
Supporting quotations
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.
Details
Condition
Enrolled in Wells Fargo Online or Wells Fargo Business Online
Supporting quotations
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.
Investment and insurance products are not FDIC insured, not bank deposits and can lose principal
The page states that investment and insurance products are not insured by the FDIC or any federal government agency, are not a deposit or other obligation of, or guaranteed by, the bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.
Details not recorded for this card
Supporting quotations
Investment and Insurance Products are:
Not Insured by the FDIC or Any Federal Government Agency
Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested
Charges & Financial Obligations · Context
Investments are offered through Wells Fargo Advisors broker-dealers; deposits by Wells Fargo Bank, N.A.
Investment products and services are offered through Wells Fargo Advisors, a trade name used by Wells Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC, which are described as SIPC members, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company. Deposit products are offered by Wells Fargo Bank, N.A., Member FDIC.
Details not recorded for this card
Supporting quotations
Investment products and services are offered through Wells Fargo Advisors. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC (WFCS) and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company.
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
Account & Service Control · Restriction or exception
If you register on the Site, you must give accurate, current and complete information
You may be invited to register at the Site. When registering, you agree to provide accurate, true, current and complete information about yourself and your business as the registration screens request.
Details
Condition
When registering for the Service
Supporting quotations
In registering for the Service, you agree to provide accurate, true, current, and complete information about you and your business as requested by the registration screens.
Qualifications & exceptions
The duty covers information the registration screens request.
Registration information may be used to build a profile and to alert you to other products
Wells Fargo says registration is meant to help it tailor the Service to your personal and business financial needs and to alert you to other products and services for you or your business. A profile for you or your business may be created from the registration information you provide, described as a convenience to you.
Details
Why
Tailoring the Service and alerting you to other products and services
What it covers
Registration information
Supporting quotations
You may be invited to register at the Site to help us tailor the Service for your personal and business financial needs and to alert you of other products and services for you or your business.
As a convenience to you, a profile for you or your business may be created based on the registration information that you provide.
Qualifications & exceptions
The profile is built from the registration information you provide.
Profile creation is stated as something that may happen, not always.
Not stated here
The document does not say how the profile is used beyond tailoring and product alerts, or how long it is kept.
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.
Details
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.
Wells Fargo may collect and retain information about you and your device and share it with service providers
To the extent applicable law permits, by accessing or using the Site or Services you understand and agree that Wells Fargo may collect and retain personal or other information about you or the device you use, and share it with its service providers as allowed by applicable law and its privacy notices. The paragraph does not list the types of information, retention periods or which service providers receive it.
Details
What it covers
Personal or other information about you or your device
Condition
To the extent permitted by applicable law
Supporting quotations
To the extent permitted by applicable law, by accessing or using the Site or Services, you understand and agree that Wells Fargo may collect and retain personal or other information about you or the device you use to access the Site or Services and share with our service providers as allowed by applicable law and our privacy notices.
Qualifications & exceptions
The agreement is stated to apply to the extent permitted by applicable law.
Sharing described here is with Wells Fargo's service providers, as allowed by applicable law and its privacy notices.
Not stated here
The specific information collected, retention periods and service providers are not stated in this document; the linked privacy notices are not supplied.
Using the Site means consenting to analytics that can capture keystroke and mouse-movement patterns
By using the Site you consent to Wells Fargo's use of analytics and monitoring tools, including tools supplied by third-party service providers, to collect your interactions with its products and services. That collection may include Wells Fargo and its service providers collecting behavioral characteristics and user inputs such as keystroke and mouse-movement patterns. The interactions are collected using cookies and technical log files.
Details
Who
Wells Fargo and its third-party service providers
What it covers
User interactions, behavioral characteristics, keystroke and mouse movement patterns
Supporting quotations
By using the Site, you consent to Wells Fargo’s use of analytics and monitoring tools, including tools provided by third party service providers, to collect user interactions with our products and services, which may include collection by Wells Fargo and its service providers of behavioral characteristics and user inputs such as keystroke and mouse movement patterns.
These interactions are collected using cookies and technical log files.
Qualifications & exceptions
Consent is tied to using the Site; the paragraph offers no separate opt-in.
Keystroke and mouse-movement patterns are examples of what the collection may include.
Not stated here
The document does not name the third-party analytics providers or say whether these tools can be turned off; the linked cookie policy is not supplied.
You agree the analytics and monitoring services are strictly necessary for the website
Right after the analytics consent, the paragraph says you also agree that these services are strictly necessary for the operation of this website. The document does not explain what follows from this classification, for example whether it affects any cookie choices described in the separate Digital Privacy and Cookies Policy.
Details not recorded for this card
Supporting quotations
You also agree these services are strictly necessary for the operation of this website.
Not stated here
The practical effect of calling these services strictly necessary, including on cookie settings, is not stated in this document.
Collected interaction data is used for monitoring and visual replay for fraud, service and product improvement
Wells Fargo says it uses the collected interaction data for purposes that include interaction monitoring and visual replay for fraud, customer service, product improvement and other purposes allowed by law. The list is open-ended: the final category reaches any other purpose the law allows.
Details
Why
Fraud, customer service, product improvement and other purposes allowed by law
Supporting quotations
We use the data for purposes that include interaction monitoring and visual replay for fraud, customer service, product improvement, and other purposes allowed by law.
Qualifications & exceptions
The purposes are introduced as "include" and end with other purposes allowed by law, so the list is not exhaustive.
Chat and virtual assistant conversations are monitored, recorded, analyzed and retained
Any conversation with Wells Fargo through chat, a virtual assistant or a similar service is monitored, recorded, analyzed and retained by Wells Fargo and its service providers, potentially without further notice to you. The Chat section repeats that chats will be monitored and retained. Neither passage states a retention period.
Details
Who
Wells Fargo and its service providers
Supporting quotations
Any conversations with us through use of chat, virtual assistant, or a similar service are monitored, recorded, analyzed, and retained by Wells Fargo and our service providers, potentially without any further notice to you.
When engaging with us through use of the Chat service, be advised that chats will be monitored and retained.
Qualifications & exceptions
Service providers as well as Wells Fargo monitor, record, analyze and retain conversations.
Wells Fargo may track your precise location, if enabled, and your interaction with the website
If you access the Service or use an Online Financial Service, Wells Fargo may track and record your precise geographic location, if location is enabled on your device, and your interaction with its Website. "Online Financial Service" and "Website" are not defined anywhere in this document, so the exact services covered are unclear from this text.
Details
Condition
Location enabled on your device
What it covers
Precise geographic location and website interaction
Supporting quotations
If you access the Service, or use an Online Financial Service, we may track and record your precise geographic location (if enabled on your device) and your interaction with our Website.
Qualifications & exceptions
Precise location tracking depends on location being enabled on your device.
Applies when you access the Service or use an Online Financial Service.
Not stated here
"Online Financial Service" and "Website" are undefined in this document; which services they cover is not stated.
Automated processes may be used to detect use that violates the agreement or the law
Wells Fargo may use automated processes to detect any use of the Service that violates the terms of "this Agreement" or any applicable law or regulation. The paragraph does not say what happens after detection. It refers to "this Agreement" although these terms call themselves the Terms of Use, so the exact agreement meant is not stated.
Details not recorded for this card
Supporting quotations
We may use automated processes to detect any use of the Service that violates the terms of this Agreement or any applicable law or regulation.
Not stated here
Consequences of an automated detection are not stated.
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.
Details
Where
Access from outside the United States
Condition
To the extent permitted by applicable law
Supporting quotations
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.
Feedback you submit is non-confidential and Wells Fargo may use it without restriction
Suggestions, comments and feedback you submit at or through the Site about Wells Fargo products and services are treated as non-confidential, unless specifically agreed otherwise or required by law. Wells Fargo is free to use any feedback without restriction of any kind; feedback may include ideas, concepts, know-how and techniques. No compensation is mentioned.
Details
Exception
Otherwise specifically agreed or required by law
Supporting quotations
You agree that any and all suggestions, comments, and feedback that you submit at or via this Site in connection with any Wells Fargo products and services (“Feedback”) shall be deemed to be non-confidential, except as otherwise specifically agreed or required by law. Wells Fargo also shall be free to use any Feedback without any restriction of any kind.
Qualifications & exceptions
Non-confidential treatment yields where otherwise specifically agreed or required by law.
Covers feedback submitted at or via the Site in connection with Wells Fargo products and services.
Legal Rights & Agreement Rules · Context
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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Supporting quotations
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.
Account & Service Control · Restriction or exception
Children under 13 must not use Chat and must leave the Site
If you are under 13 and are invited to use the Chat service, you must not use it and you must leave the Site.
Details
Condition
Under 13 and invited to use Chat
Supporting quotations
If you are under the age of 13 years old and are invited to use the Chat service, you must not use the Chat service and you must leave the Site.
Qualifications & exceptions
Stated for a user under 13 who is invited to use Chat.
Use & Processing · Company commitment
Chat may use a chatbot; Wells Fargo discloses this only as far as the law requires
During Chat you may interact with a bot, chatbot, virtual assistant, virtual concierge or other non-human agent (a "Chatbot"). Wells Fargo will disclose that a Chatbot is being used to the extent applicable law requires; the paragraph does not promise disclosure beyond what the law requires.
Details
Condition
To the extent required by applicable law
Supporting quotations
During your use of the Chat service, you may interact with a bot, chatbot, virtual assistant, virtual concierge, or other non-human (each, a “Chatbot”). We will disclose the use of the Chatbot to the extent required by applicable law.
Qualifications & exceptions
Disclosure is promised only to the extent required by applicable law.
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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Supporting quotations
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.
Account & Service Control · Restriction or exception
Abusive, defamatory, dishonest or obscene chat messages may end the chat session
You must not use Chat to send abusive, defamatory, dishonest or obscene messages. Doing so may result in Wells Fargo terminating the Chat session.
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Supporting quotations
You will not use the Chat service to send any abusive, defamatory, dishonest, or obscene message, and doing so may result in termination of the Chat service session.
Security & Safeguards · Restriction or exception
Access codes sent for online applications are for you only and must not be shared
For online applications for certain Wells Fargo products or services, such as credit card or mortgage loan applications, and for certain other Site functions, Wells Fargo may send you a unique access code or token to help you complete, review or track applications and perform other functions. The code or token is intended only for your use and you must not share it with anyone.
Details not recorded for this card
Supporting quotations
In connection with online applications for certain Wells Fargo products or services (such as, but not limited to, credit card applications or mortgage loans) available via the Site and in connection with certain other functions on the Site, Wells Fargo may send you a unique access code or other token to help you complete, review, or track your applications and execute other functions.
Such access code or token is intended to be only used by you and you must not share it with anyone.
Qualifications & exceptions
Applies to codes or tokens sent in connection with certain online applications and other Site functions.