Wells Fargo California Consumer Privacy Act Notice and Notice at Collection

Wells Fargo · agreement dated August 13, 2026 · Official agreement

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Wells Fargo California Consumer Privacy Act Notice and Notice at Collection

Effective: August 13, 2026

(Last Reviewed: 08/13/2026)

This California Consumer Privacy Act Notice at Collection ("Notice") is provided by the Wells Fargo companies described below. These companies are referred to in this Notice as "we" or "us."

This Notice explains how we collect, use, retain, and disclose personal information about California residents. The Notice also explains certain rights that California residents have under the California Consumer Privacy Act (the “CCPA”).

The CCPA only applies to information about residents of California. If you are a resident of a U.S. state other than California, you may submit a request and we may process it, as described in this Notice, even though the CCPA does not require us to do so. In accepting, processing, and responding to requests by individuals who are not California residents, we will apply all the same limitations and exceptions under the CCPA to those requests as apply to requests made by California residents. We reserve the right to change or stop the practice of accepting requests from U.S. residents of states other than California, except as otherwise required by law.

Under the CCPA, "personal information" is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California resident or household. This information is referred to in this Notice as "Personal Data." Similarly, any reference to “service providers” within this notice also includes “contractors.”

Categories of Personal Data that We Collect

We collect Personal Data in a variety of contexts. For example, we collect Personal Data to provide financial products and services, for our human resources, and for vendor management purposes.

The Personal Data that we collect about a specific California resident will depend on, for example, our relationship or interaction with that individual.

During the past 12 months, we have collected the following categories of Personal Data.

Sources of Personal Data

The sources from which we collect Personal Data depend on, among other things, our relationship or interaction with a specific California resident. The information below lists the categories of sources from which we collect Personal Data in different contexts.

  • From California residents directly, or other individuals acting on their behalf, through, for example, physical (e.g., paper application), audible (e.g., phone), and electronic (e.g., website, social media) sources.
  • Public records or widely available sources, including information from the media, and information that is made available by federal, state, and local government entities.
  • Outside companies or organizations that provide data to support activities such as fraud prevention, underwriting, and marketing. Examples may include internet service providers, social networks, data brokers, advertising networks, and data analytics providers.
  • Outside companies or organizations from whom we collect Personal Data to support human resource and workforce management activities. Examples may include service providers and social networks.
  • Outside companies or organizations from whom we collect Personal Data as part of providing products and services, completing transactions, supporting our everyday operations, or business management and development. Examples include companies or organizations to whom we provide products or services; other parties, partners, and financial institutions; and parties involved with mergers, acquisitions, and other transactions involving transfers of all or part of a business, or a set of assets.

Why We Collect Personal Data and How We Use It

The purposes for which we collect, use, and disclose Personal Data depend on, among other things, our relationship or interaction with a specific California resident. The table below lists the purposes for which we collect, use, and disclose the categories of Personal Data, listed above in different contexts, to our service providers for various business purposes, as permitted by law.

Purposes for Collection, Use and Disclosure Examples

Provide and manage products and services

Support our everyday operations, including to meet risk, legal, and compliance requirements

Manage, improve, and develop our business

Support employment, infrastructure, and human resource management

We collect, use and disclose personal information and sensitive information, as permitted by law to:

Disclosure and Sharing of Personal Data

The categories of service providers and third parties to whom we disclose or share Personal Data about a specific individual depend on, among other things, our relationship or interaction with a specific California resident. Such service providers and third parties include:

The table below shows, for each Personal Data category we have collected, the categories of third parties with whom we may share Personal Data for purposes of cross-contextual behavioral advertising in the preceding 12 months. The table below contains briefer descriptions of the categories of Personal Data and third parties. The full descriptions of the categories of Personal Data and third parties are available above.

Personal Data Type Third Party Category with Whom We May Share Personal Data for Cross-Context Behavioral Advertising

Personal Identifiers

Personal Information

Characteristics of Protected Classes

Purchase Information

Biometric Information

Internet or Online Information

Geolocation Data

Audio and Visual Information

Employment Information

Education Information

Inferences

Sensitive Personal Information

Data Retention

We determine retention periods based on the type of Personal Data, the purpose for which it was collected or used, the nature of our relationship with you, and our records-management requirements. We will keep Personal Data, including Sensitive Personal Information, no longer than reasonably necessary to fulfil the purposes described in this Notice. Under our records and information management policy, we are required to destroy records containing Personal Data, including Sensitive Personal Information, according to specific periods in our retention schedule. However, we may need to hold such records beyond these retention periods as set forth in our records and information management policy, due to regulatory requirements or in response to a regulatory audit, investigation, or other legal matter.

Requests Under the CCPA

The CCPA defines a “sale” as the disclosure of Personal Data for monetary or other valuable consideration. Wells Fargo does not sell and has not, within the last 12 months, sold Personal Data, including Sensitive Personal Information. Furthermore, we have no actual knowledge that we sell or share (for purposes of cross-context behavioral advertising) Personal Data, including Sensitive Personal Information, of minors under 16 years of age.

If you are a California resident, you have the right to request:

a. The categories of Personal Data we collected about you and the categories of sources from which we collected the Personal Data;

b. The business or commercial purpose for collecting or sharing Personal Data about you;

c. The categories of third parties to whom we disclosed Personal Data about you, and the categories of Personal Data disclosed;

d. The categories of Personal Data about you that we shared and the categories of third parties with whom we shared such Personal Data; and

e. The specific pieces of Personal Data we collected about you.

In addition, you have the right to be free from discrimination by a business for exercising your CCPA privacy rights, including the right as an employee, applicant, or independent contractor not to be retaliated against for exercising your CCPA privacy rights.

View Wells Fargo's CCPA data request metrics in our annual disclosure.

How to Make Requests

If you are a California resident, you can make a Request to Know, Delete, or Correct by:

Wells Fargo Online® customers and Wells Fargo employees: you can make a request by using your existing Wells Fargo log-in credentials.

For all other individuals, we will ask you to provide the following information to identify yourself:

When you make a Request to Know, Delete, or Correct, we will attempt to verify that you are who you say you are. For example, we will attempt to match information that you provide in making your Request with other sources of similar information to reasonably verify identity.

To make a Request to Opt-Out of Sharing, click here . We also process opt-out preference signals, such as the Global Privacy Control, as required by the CCPA. These signals set the opt out of sharing preferences for the specific browser or device you are using. For information about how to use the Global Privacy Control, please visit https://globalprivacycontrol.org/ .

Responding to Requests

Privacy and data protection laws, other than the CCPA, apply to much of the Personal Data that we handle. When these other laws apply, Personal Data may be exempt from, or outside the scope of, a request to Know, Delete, or Correct. For example, Personal Data subject to certain federal privacy laws, such as the Gramm-Leach-Bliley Act or the Health Insurance Portability and Accountability Act (HIPAA), is exempt from CCPA Requests. As a result, we may decline all or part of your Request to the extent that it relates to exempt Personal Data. This means that we may not provide, delete, correct, or opt-out some, or all, of this Personal Data when you make a CCPA Request.

As examples, our processing of, or response to, a CCPA Request may not include some or all of the following Personal Data:

The types of Personal Data described above are examples. We have not listed all types of Personal Data that may not be included when we respond to or process CCPA Requests.

In addition to the above examples, we may not include Personal Data when we respond to or process CCPA Requests when the CCPA recognizes another exception. For example, we will not provide the Personal Data about another individual when doing so would adversely affect the data privacy rights of that individual. As another example, we will not delete Personal Data when it is necessary to maintain that Personal Data to comply with a legal obligation.

We will verify and respond to your request consistent with applicable law, taking into account the type and sensitivity of the Personal Data subject to the request.

Authorized Agents

If you are a California resident, you may authorize an agent to make a request on your behalf. A California resident's authorized agent may make a request on behalf of the California resident by using the submission methods listed above under “How To Make Requests.” As part of our verification process, we may request that you provide, as applicable:

Deidentified Information

Where we maintain or use deidentified information, we will continue to maintain and use the deidentified information in a deidentified fashion and will not attempt to re-identify the information.

Changes to this Notice

We may change or update this Notice periodically. When we do, we will post the revised Notice on this webpage indicating when the Notice was "Last Updated."

Wells Fargo Companies Providing this Notice

This Notice is provided by Wells Fargo and Company and its subsidiaries that either: (1) act as a business within the meaning of the CCPA, or (2) are controlled by Wells Fargo and Company and use the Wells Fargo name. As an example, companies providing this Notice include Wells Fargo Bank, N.A.

Contact Us

If you have any questions or concerns about Wells Fargo’s privacy policies and practices, please contact us at PrivacyCenter@wellsfargo.com. Please do not use this email address to send sensitive information or account-specific questions; instead call 1-800-TO-WELLS (1-800-869-3557) with any account-specific questions.

DT1-09152027-12-9132397-1.1

UPN USA2712 (Rev 08/13/2026)