Online Access Agreement

Data Access & Collection · Company practice

Early Warning Transaction and Device Data Capture and Usage Purposes

Paze and Early Warning capture transaction records including unique transaction IDs and device/browser data including IP addresses. Early Warning uses this data to operate the service, prevent fraud and illegal activity, conduct internal improvement research, prepare anonymized reports, and satisfy compliance requirements.

Supporting quotations

Paze and Early Warning may capture information about the transaction itself, such as a unique transaction identifier, so there is a record of the transaction.

Early Warning may also capture certain information from your mobile device or internet browser used to access the Paze service, including Internet Protocol (IP) address.

Early Warning may use such information to operate and maintain the Paze service, including to: prevent, detect and protect against security incidents, fraud, and prohibited or illegal activities related to the Paze service; conduct internal research to improve the Paze service; prepare anonymized reports about the use of the Paze service; or for legal or compliance purposes.

Qualifications & exceptions

• Captures transaction identifiers, device data, and IP addresses for security and research

Data Access & Collection · Company practice

Device Data Access, Network Identifiers, and Digital Privacy Policy Incorporation

To enhance secure access, Wells Fargo accesses detailed device information including telephone numbers and unique internal and network identifiers. Cookies and tracking technologies are used for security and operational purposes as described in the Digital Privacy and Cookies Policy.

Supporting quotations

To enable and enhance secure access to the Service, we may also access detailed information about the computers and Mobile Devices you use to access the Service. This could include telephone numbers and unique internal and network identifiers for your computers and Mobile Devices. We also use cookies and other technology for information security and other purposes, as described in our Digital Privacy and Cookies Policy.

Qualifications & exceptions

• Accesses device telephone numbers, unique network identifiers, and uses cookies under Privacy Policy

Not stated here

• The text of the linked Digital Privacy and Cookies Policy is not supplied in this agreement

Data Access & Collection · Company practice

Digital Privacy Policy, Device Identifiers, IP Address, and Geolocation Collection

Use of the Service is subject to the Digital Privacy and Cookies Policy. Wells Fargo may collect and retain information about users, browsers, and devices, including IP addresses, unique device identifiers, and geolocation data (if enabled).

Supporting quotations

Your use of the Service is subject to the Wells Fargo Digital Privacy and Cookies Policy. By accessing or using the Service, you understand and agree that Wells Fargo may collect and retain information about you, your internet browser, or the device you use to access the Service, including Internet Protocol (IP) address, device identifier, and geolocation (if enabled on your device).

Qualifications & exceptions

• Collects IP addresses, device identifiers, and geolocation data subject to Digital Privacy and Cookies Policy

Not stated here

• The text of the linked Wells Fargo Digital Privacy and Cookies Policy is not supplied in this agreement

Data Access & Collection · Company practice

Analytics, Tracking Pixels, Interaction Monitoring, and Visual Session Replay

Wells Fargo uses analytics and monitoring tools, cookies, tracking pixels, and log files to track user interactions with Services. Data is used by Wells Fargo and service providers for interaction monitoring, visual session replay, fraud detection, customer support, product improvements, and marketing.

Supporting quotations

We use analytics and monitoring tools to collect information about your interaction with our Services. These interactions are collected using tracking technologies like cookies and pixels, and technical log files.

Along with our service providers, we use the data for purposes that include interaction monitoring and visual replay for fraud, customer service, product improvement, marketing, and other purposes allowed by law or specified in our privacy notices.

Qualifications & exceptions

• Interactions tracked using cookies, pixels, and log files for visual session replay and monitoring

Data Access & Collection · Company practice

Precise Location Tracking, Interaction Recording, and Automated Compliance Detection

Wells Fargo tracks and records precise device geographic location (if enabled) and website interactions during Service access, and employs automated processes to detect agreement violations or unlawful activity.

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.

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.

Qualifications & exceptions

• Precise location tracked if enabled on device; automated detection for agreement violations

Data Access & Collection · Company practice

AI Chat/Phone Communication Recording, Monitoring, and Browsing History Sharing

Communications via chat, virtual AI assistant, telephone, or human-simulated conversation may be monitored, recorded, analyzed, and retained by Wells Fargo and third-party service providers without further notice. Users inviting third parties must notify them. Browsing history captured by cookies/pixels may be shared with service providers and third parties.

Supporting quotations

Any communications with us through use of chat, virtual AI assistant, telephone, human-simulated conversation, or a similar technology may be monitored, recorded, analyzed, and retained, by both Wells Fargo and our service providers, without any further notice to you.

If you invite another party to join a communication between you and Wells Fargo, you are responsible for providing that party with notice of recording, monitoring and analysis done by Wells Fargo and its services providers. Communications may be shared with our service providers and other third parties in accordance with our privacy policy and applicable law.

We use cookies, pixels, and related technology which may capture web browsing history and similar information. We may share the information collected via that technology with our service providers and other third parties in accordance with our privacy notices and applicable law, without any further notice to you.

Qualifications & exceptions

• AI chat, virtual assistants, and calls monitored, analyzed, and recorded without further notice

Data Access & Collection · Permission or license

Minor Information Consent, Health Data Strictly Necessary Classification, and Minor Privacy Notice

Users providing minor information represent authorization, and agree Wells Fargo's use is strictly necessary to provide and improve services. Minor personal data collection is governed by the Minor Privacy Notice. Any information provided linkable to physical or mental health is agreed to be strictly necessary to provide and improve requested services.

Supporting quotations

If you provide either information about a minor or permission to collect a minor’s personal information, you agree that you are authorized to do so and that Wells Fargo may use that personal information for the purposes for which it was collected. You further agree that Wells Fargo's use of that information about a minor is strictly necessary to provide a requested product or service, including improving the services covered by this Agreement.

If you are a minor, we may collect and retain certain personal information that you provide to Wells Fargo. For more information about the types of personal information Wells Fargo collects and the reasons why Wells Fargo collects the information, including any potential protections under US federal and state privacy laws, please see the Minor Privacy Notice.

If you provide any information that is reasonably linkable to an individual’s physical or mental health, you further agree that Wells Fargo's use of that information is strictly necessary to provide a requested product or service, including improving the services covered by this Agreement.

Qualifications & exceptions

• Minor data and health data deemed strictly necessary to provide and improve requested services

Not stated here

• The text of the linked Minor Privacy Notice is not supplied in this agreement

Data Access & Collection · Company practice

Biometric Data Collection: Voiceprints, Keystroke Dynamics, and Behavioral Patterns

Wells Fargo collects biometric data—including voiceprints and behavioral characteristics such as keystroke dynamics and mouse movements—and precise geolocation data to authenticate users, prevent fraud, enhance account security, and comply with legal requirements.

Supporting quotations

We may collect biometric data about you to authenticate you for access to the Service, to prevent fraud, and to enhance the security of your accounts. The biometric data we collect may include voiceprints and behavioral characteristics such as keystroke and mouse movement patterns.

We may also collect precise geolocation or other location data to comply with law, authenticate you for access to the Service, prevent fraud, to enhance the security of your accounts, and to provide services to you.

Qualifications & exceptions

• Collects voiceprints, keystrokes, mouse movements, and precise location for authentication and fraud prevention