Using Zelle authorizes recipient messages on your behalf
The introduction says each use or access authorizes recipient emails and texts. The sending provision specifically authorizes Wells Fargo or Zelle to send transaction messages to the recipient when you send money, on your behalf.
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your agreement that each time you use or access the Zelle® Transfer Service, you are authorizing and instructing us to send emails and text messages to the recipient on your behalf;
Each time you send money using the Zelle® Transfer Service, you are also authorizing and instructing either us or Zelle® to send emails and text messages to the recipient concerning the Transfer Transaction. You agree that these emails and text messages are sent on your behalf. Please note:
Other Users may see which email addresses or numbers are enrolled
A Z logo may appear beside your enrolled mobile numbers or emails and be shown to other Users to help route payments. If someone uses an unenrolled email or number for you, a message gives enrollment instructions. If you choose a Zelle tag, its associated profile mobile number is the service's communication contact and must satisfy the stated requirements.
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Once enrolled, a Z logo may appear on your profile for each U.S. mobile number and/or email address that you have enrolled with Zelle®. The Z logo may be displayed to other Users to aid them in determining which of your U.S. mobile numbers or email addresses should be used to send money with Zelle®. If a User sends you money using a different U.S. mobile number or email address that they may have for you (one that is not already enrolled), you will receive a message with instructions on how to enroll with Zelle®. If you enroll for the Service and select to use a Zelle® tag, the mobile phone number associated with your User profile will be used as the contact method for communication related to the Service and must meet the requirements described herein.
Sharing & Disclosure · Permission or license
Recipient messages can disclose your name and enrolled identifiers
Sending money authorizes Wells Fargo or Zelle to send transaction emails and texts on your behalf. They may identify you by name, mobile number, email or tag and say they act on your instructions. Messages and push notifications sent for you may also include your name.
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Each time you send money using the Zelle® Transfer Service, you are also authorizing and instructing either us or Zelle® to send emails and text messages to the recipient concerning the Transfer Transaction. You agree that these emails and text messages are sent on your behalf. Please note:
These emails and text messages may identify you by name, mobile phone number, email address, and/or Zelle® tag, and may state that we are sending them on your behalf and according to your instructions.
You understand and agree that any emails or text messages and push notifications sent on your behalf may include your name.
Qualifications & exceptions
This operative recipient-message authorization applies when you send money.
Carrier account and device information may be used to verify identity and prevent fraud
Wells Fargo or Zelle may use information held by your wireless carrier to verify identity and prevent fraud or unauthorized use. Using the service authorizes your carrier to use or disclose available account and device information to Wells Fargo or its service provider for the duration of your business relationship, solely to identify you or your device and prevent fraud. Separate linked privacy notices address data handling.
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We or Zelle® may use information on file with your wireless carrier to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle® Transfer Service. By using the Zelle® Transfer Service, you authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Wells Fargo or its service provider for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud. See the Zelle® Privacy Notice for how Zelle® treats your data, and our applicable Privacy Notices for how we treat your data.
Qualifications & exceptions
Carrier disclosure is limited to identity/device identification and fraud prevention during the business relationship.
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The linked privacy notices are not supplied here.
Sharing & Disclosure · Context
Linked privacy policies govern information except where the addendum says otherwise
Wells Fargo states that security and information protection are priorities and generally applies its U.S. Consumer Privacy Notice and Digital Privacy and Cookies Policy to information collected through Zelle. The addendum expressly allows exceptions: it includes a waiver of privacy-notice provisions that would prevent sharing listed identifying information in a transfer to which you are a party. The linked policies' full terms are not included here.
The information we provide may include your first and last name, social security number, date of birth, address, mobile phone number, email address, your Zelle® QR Code, your Zelle® tag, and/or any other enrolled alias of yours. You irrevocably waive any provision of our Wells Fargo U.S. Consumer Privacy Notice, which would prevent us from providing this information in connection with any Transfer Transaction to which you are a party.
Qualifications & exceptions
The addendum's specific exceptions qualify the general privacy-policy reference.
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The linked privacy notices are not supplied here; their full data-handling rules cannot be described from this source.
Transfer-related sharing may include Social Security number and other identifiers
Wells Fargo may disclose information to Users involved in attempted or completed payments with you, their institutions, Zelle and anyone processing, facilitating or delivering your transfer. The listed data include name, Social Security number, birth date, address, phone, email, QR code, tag and other enrolled aliases. You irrevocably waive privacy-notice provisions that would prevent this transfer-related sharing. The clause lists possible data and recipients; it does not specify which recipient receives each field in practice.
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You agree that we may provide information about you to:
any User you send or attempt to send funds to, or receive or attempt to receive funds from, using the Zelle® Transfer Service, and
any User’s Financial Institution, Zelle®, or any other person engaged in processing, facilitating, or delivering Transfer Transactions to which you are a party.
The information we provide may include your first and last name, social security number, date of birth, address, mobile phone number, email address, your Zelle® QR Code, your Zelle® tag, and/or any other enrolled alias of yours. You irrevocably waive any provision of our Wells Fargo U.S. Consumer Privacy Notice, which would prevent us from providing this information in connection with any Transfer Transaction to which you are a party.
Qualifications & exceptions
Sharing and the waiver concern a Transfer Transaction to which you are a party.
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The source does not map individual data fields to each recipient.
Network institutions can share information for transfers and supporting services
You authorize Wells Fargo and other network institutions to use supplied information and transaction information to initiate and complete transfers and provide supporting services. Authorized recipients include attempted or actual payment counterparties, Zelle, counterparties' institutions and intermediaries or services facilitating or processing the transaction.
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You authorize us and other Network Financial Institutions to use information you provide to us, and information concerning your Transfer Transactions in order to:
initiate and complete Transfer Transactions, and
provide ancillary and supporting services to facilitate your Transfer Transactions and use of the Zelle® Transfer Service.
Your authorization includes, but is not limited to, providing such information to:
Users to whom you send or attempt to send funds, or from whom you receive or attempt to receive funds, using the Zelle® Transfer Service,
Zelle®,
User’s Financial Institutions, and
any intermediary or service that is in any way facilitating or processing the Transfer Transaction.
Qualifications & exceptions
Use supports transfers and services facilitating them.
Sharing & Disclosure · Permission or license
Account and transfer data may go to processors, credit bureaus and merchants
Wells Fargo may disclose account or transfer information to third parties to process transactions or verify the account's existence and condition. Examples include transaction processors, clearinghouses, credit bureaus and merchants; this is not described as an unrestricted disclosure permission.
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We may also disclose information to third parties about your account or the transfers you make, in order to process your transactions or to verify the existence and condition of your account. The third parties may include transactions processors, clearinghouses, credit bureaus and merchants.
Qualifications & exceptions
For transaction processing or account verification.