Before using an Electronic Service, you must review and accept this consent. It permits electronic delivery of information you would otherwise be entitled to receive on paper. Electronic Services include products accessed through the internet, websites, email, messaging including texts, or apps, now or in the future.
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So, before you use any of our Electronic Services (as defined below), you must review and consent to the terms outlined below.
However, with your prior consent, we may instead provide this information to you electronically.
"Electronic Service" means each and every product and service we offer that you apply for, use, administer or access using the Internet, a website, email, messaging services (including text messaging), and/or software applications (including applications for mobile or hand-held devices), either now or in the future.
Consent extends to other people identified with your products
Wells Fargo here includes the bank, Wells Fargo Advisors, and all current and future Wells Fargo & Company affiliates. “You” includes the consenting person and additional owners, signers, representatives, delegates, product owners and service users identified with the relevant products. By consenting, you confirm that you are authorized to consent for these other people and are doing so.
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"We," "us," "our" and "Wells Fargo" means Wells Fargo Bank, N.A., Wells Fargo Advisors, and each and every current and future affiliate of Wells Fargo & Company.
"You" and "your" means the person giving this ESIGN Consent, and also each additional account owner, authorized signer, authorized representative, delegate, product owner and/or service user identified on any Wells Fargo Product that you apply for, use or access.
You are also confirming that you are authorized to, and do, consent on behalf of all the other account owners, authorized signers, authorized representatives, delegates, product owners and/or service users identified with your Wells Fargo Products .
Qualifications & exceptions
Other people must be identified with the relevant Wells Fargo Products.
Communications include documents you sign or submit
The defined term Communications covers disclosures, notices, agreements, fee schedules, statements, records, documents and other information Wells Fargo provides, as well as information you sign, submit or agree to at its request.
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"Communications" means each disclosure, notice, agreement, fee schedule, statement, record, document, and other information we provide to you, or that you sign, submit, or agree to at our request.
Qualifications & exceptions
Your signing, submission or agreement is at Wells Fargo’s request.
Legal Rights & Agreement Rules · Permission or license
Wells Fargo may use electronic records and signatures
Wells Fargo may choose electronic form for Communications it provides or asks you to sign or agree to, and may use and obtain electronic signatures in transactions with you. This does not override legally required paper delivery or the separate election needed for electronic tax statements.
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In our sole discretion, the Communications we provide to you, or that you sign or agree to at our request, may be in electronic form ("Electronic Records").
We may also use electronic signatures and obtain them from you as part of our transactions with you.
There are certain Communications that by law we are not permitted to deliver to you electronically, even with your consent.
We will continue to provide your tax statements on paper unless you separately elect to receive them electronically (if available).
Qualifications & exceptions
Some Communications must remain on paper by law.
Electronic tax statements require a separate election, if available.
Cross-references
has exception (model-proposed): Legally required paper delivery may change if the law changes — Electronic-form discretion is limited by Communications that law still requires on paper; future legal permission automatically extends the consent.
Legal Rights & Agreement Rules · Restriction or exception
Required written notices from you generally remain on paper
If law or your agreement requires you to give Wells Fargo written notice, you must send it on paper unless another Communication specifically tells you how to deliver that notice electronically. General electronic consent alone does not replace that instruction.
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Sometimes the law, or our agreement with you, requires you to give us a written notice. You must still provide these notices to us on paper, unless we specifically tell you in another Communication how you may deliver that notice to us electronically.
Qualifications & exceptions
An electronic alternative must be specifically explained in another Communication.
Legal Rights & Agreement Rules · Company commitment
Legally required paper delivery may change if the law changes
Wells Fargo will keep providing Communications in writing while law bars electronic delivery. If the law later permits electronic delivery of those Communications, this consent automatically extends to them.
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There are certain Communications that by law we are not permitted to deliver to you electronically, even with your consent. So long as required by law, we will continue to deliver those Communications to you in writing. However, if the law changes in the future and permits any of those Communications to be delivered as Electronic Records, this ESIGN Consent will automatically cover those Communications as well.
Qualifications & exceptions
Automatic extension depends on a future change in law permitting electronic delivery.
Cross-references
exception to (model-proposed): Wells Fargo may use electronic records and signatures — Electronic-form discretion is limited by Communications that law still requires on paper; future legal permission automatically extends the consent.
Legal Rights & Agreement Rules · Restriction or exception
English controls even when a Spanish translation is available
Wells Fargo produces Communications in English and provides a Spanish translation when available. You agree that English always controls. Wells Fargo may be unable to service products in another language, and future Communications may be English only. If you are not fluent, it recommends an interpreter or other steps to understand the transaction before entering it and future English Communications.
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Please note, we may be unable to fulfill and service Wells Fargo Products in a language other than English. Future Communications may be in English only. If you are not fluent in English, you should consider obtaining the services of an interpreter or taking other steps to ensure you understand the transaction before entering into it and to have any future English Communications explained to you.
Our Communications are produced in English. For your convenience, we will provide a Spanish translation when available. You agree that the English version is always the controlling Communication.
Qualifications & exceptions
Spanish translations are provided when available.
The interpreter suggestion applies if you are not fluent in English.
Legal Rights & Agreement Rules · Procedure
Consenting confirms technical access and authority for other users
Consent is required before you use Electronic Services. By giving it, you confirm you have the specified hardware and software, can receive and review Electronic Records, and have an active email account. You also confirm you are authorized to consent, and do consent, for the other owners, signers, representatives, delegates, product owners and service users identified with your products. The defined “you” includes these additional people.
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By providing your consent, you are also confirming that you have the hardware and software described above, that you are able to receive and review Electronic Records, and that you have an active email account. You are also confirming that you are authorized to, and do, consent on behalf of all the other account owners, authorized signers, authorized representatives, delegates, product owners and/or service users identified with your Wells Fargo Products .
"You" and "your" means the person giving this ESIGN Consent, and also each additional account owner, authorized signer, authorized representative, delegate, product owner and/or service user identified on any Wells Fargo Product that you apply for, use or access.
So, before you use any of our Electronic Services (as defined below), you must review and consent to the terms outlined below.
Qualifications & exceptions
Authority concerns the additional people identified with your Wells Fargo Products.
Legal Rights & Agreement Rules · Permission or license
Electronic records can include this consent and agreement amendments
The examples of records Wells Fargo may provide electronically include this consent and its amendments, the Online Access Agreement and other Electronic Service access agreements and their amendments, and notices changing your agreements. These are examples of permitted electronic form, rather than a statement that every such document is always delivered electronically.
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Additional examples of Electronic Records covered by this ESIGN Consent include:
This ESIGN Consent and any amendments;
Our Online Access Agreement, other service or user agreements for online access to our Electronic Services, and all amendments to any of these agreements;
Notices of amendments to any of your agreements with us; and
In our sole discretion, the Communications we provide to you, or that you sign or agree to at our request, may be in electronic form ("Electronic Records").
Qualifications & exceptions
The list gives examples, and electronic form is discretionary.
Legal Rights & Agreement Rules · Restriction or exception
Wells Fargo disclaims control and responsibility for the SIPC website
The supplied SIPC link is for convenience. Wells Fargo says it does not control or endorse that website and is not responsible for its products, services, content, links, privacy policy or security policy.
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Wells Fargo has provided this link for your convenience but does not control or endorse the website and is not responsible for the products, services, content, links, privacy policy, or security policy of the website.
Qualifications & exceptions
This disclaimer refers to the linked SIPC website.
Not stated here
The linked SIPC website's text is not supplied here; this card cannot describe its policies or services.
Consent covers all Communications concerning any Wells Fargo Product. You can withdraw it by giving notice, with withdrawal effective after Wells Fargo has a reasonable opportunity to act. Products include present and future accounts and services you apply for, own, use, administer or access. Communications include information Wells Fargo provides and information you sign, submit or agree to at its request. Wells Fargo includes the bank, Advisors and current and future affiliates; “you” also includes the other people identified with the products. The paper-delivery exceptions and separate tax-statement election still apply.
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Your consent covers all Communications relating to any Wells Fargo Product. Your consent remains in effect until you give us notice that you are withdrawing it.
"Wells Fargo Product" means each and every account, product, or service we offer that you apply for, own, use, administer or access, either now or in the future. Wells Fargo Products include Electronic Services.
"Communications" means each disclosure, notice, agreement, fee schedule, statement, record, document, and other information we provide to you, or that you sign, submit, or agree to at our request.
"We," "us," "our" and "Wells Fargo" means Wells Fargo Bank, N.A., Wells Fargo Advisors, and each and every current and future affiliate of Wells Fargo & Company.
"You" and "your" means the person giving this ESIGN Consent, and also each additional account owner, authorized signer, authorized representative, delegate, product owner and/or service user identified on any Wells Fargo Product that you apply for, use or access.
There are certain Communications that by law we are not permitted to deliver to you electronically, even with your consent.
We will continue to provide your tax statements on paper unless you separately elect to receive them electronically (if available).
Your withdrawal of consent will become effective after we have had a reasonable opportunity to act upon it.
Qualifications & exceptions
Existing paper requirements and the separate electronic tax-statement election remain applicable.
Withdrawal takes effect after Wells Fargo has had a reasonable opportunity to act on notice.
Legal Rights & Agreement Rules · Permission or license
Annual privacy-policy delivery may be satisfied by website availability
You agree that Wells Fargo may meet its annual privacy-policy delivery obligation by keeping the policy available on wellsfargo.com. It may instead keep it on another website offering its Electronic Services if it gives you prior notice. This clause describes delivery, without supplying the linked policy’s privacy practices.
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You agree that we may satisfy our obligation to provide you with an annual copy of our Privacy Policy by keeping it available for review on www.wellsfargo.com, or, with prior notice to you, on another website where we offer Electronic Services.
Qualifications & exceptions
Use of another Electronic Services website requires prior notice.
Not stated here
The linked Privacy Policy's text is not supplied here; this card cannot state its data practices.
Legal Rights & Agreement Rules · Procedure
Continued use after a requirements notice reaffirms consent
If changed hardware or software requirements would create a material risk that you cannot access or retain Electronic Records, Wells Fargo will notify you of the revised requirements. Continuing to use Electronic Services after receiving notice of the change reaffirms your consent.
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If our hardware or software requirements change, and that change would create a material risk that you would not be able to access or retain your Electronic Records, we will give you notice of the revised hardware or software requirements. Continuing to use Electronic Services after receiving notice of the change is reaffirmation of your consent.
Qualifications & exceptions
The stated notice commitment is triggered by a material risk to access or retention.
Not stated here
The linked hardware or software requirements text is not supplied here; this card cannot state the revised requirements themselves.