For some minors, a parent or legal guardian may own or co-own the account and see account activity and spending. They can receive purchase or ATM alerts and may control spending amounts or locations. The notice excludes emancipated minors and people who have reached their state’s age of majority; those people own their accounts. Its definition of a parent or legal guardian refers to a person over 18 and, depending on the account and minor’s age, the person who sets up the account.
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For some Minors, your Parent/Legal Guardian may be the owner of your account until you are old enough to have your own account. This means the Parent/Legal Guardian can check your activity and see how you spend your money. If you are emancipated or have reached the age of majority in your state, you are the owner of your account.
Parent/Legal Guardian - a person over the age of 18, and depending on the account and minor’s age, the person who sets up an account for the minor
Unless you are an emancipated Minor or have reached the age of majority in your state, a Parent/Legal Guardian may be the owner/co-owner of your account. That means the Parent/Legal Guardian can see what you do with your account including how and when you use it. They can also see and get alerts when you buy something or use the ATM and may be able to control how much money you spend or where you spend it.
Qualifications & exceptions
Parental ownership depends on the account and the minor’s circumstances.
Emancipated minors and people at their state’s age of majority own their accounts.
Accounts and services include banking products, the app and website
An account can be a checking or savings account, a credit or debit card, or another product. Services include account and product offerings, the mobile app and online banking website. The notice calls terms the rules and guidelines for those services, conditions the promises made to use them, information or data facts about a person or account, and privacy information a person wants to keep secret. “Notice” means this webpage or document. These are the notice’s own simplified definitions.
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Account - your checking account, savings account, credit card, debit card or other product you may have
Conditions - the promises made to use our Services
Information / Data - facts about you or your account, see Section 4 below
Notice - this webpage / document
Privacy - information you want to keep secret
Services - the accounts and/or product offerings including our mobile app and online banking website
Terms - the rules and guidelines for using our Services
Not stated here
Separate product terms and conditions are not supplied here; these definitions do not establish their contents.
Account & Service Control · Procedure
Some online account options have extra rules
Some options available with online account access have extra rules users must follow. Where applicable, the notice asks minors to have a parent or legal guardian help set up the account. It says information gathered by the services helps the account work correctly.
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If you have online access to your account, you'll see options to make it easier to use. Some options have extra rules you must follow to use them, so where applicable please have a Parent/Legal Guardian help set up your account. Any information our Services gather about you is to help make your account work correctly.
Qualifications & exceptions
Parental help is requested where applicable.
Not stated here
The extra rules for particular options are not set out here.
Account & Service Control · Restriction or exception
Parents control account contact information for children under 13
For children under 13, the notice says a parent or legal guardian owns the account and decides how Wells Fargo contacts the child. That person controls contact details such as the phone number or email address. The child cannot change those details until old enough to own an account.
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For children under 13, your Parent/Legal Guardian owns the account, so they decide how we contact you. This allows them to control any contact information like phone number or email address that we might use to communicate. You cannot change this information yourself until you are old enough to have your own account.
Cross-references
narrows (model-proposed): Parents of children under 13 can refuse contact and further data use — Reviewing and updating child information remains distinct from control of contact details: the parent owns an under-13 account, and only an account owner can update those details.
Account & Service Control · Context
Teen options still allow parental visibility when a parent co-owns the account
Teens aged 13–17 have more options, but a parent or legal guardian who co-owns the account can still see activity, including purchase or ATM alerts, and may control spending amounts or locations. The notice excludes emancipated minors and those who have reached their state’s age of majority from the general parental ownership rule. In some cases laws also let a parent or legal guardian ask Wells Fargo to stop contact or delete information; deletion remains subject to legally required retention.
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Unless you are an emancipated Minor or have reached the age of majority in your state, a Parent/Legal Guardian may be the owner/co-owner of your account. That means the Parent/Legal Guardian can see what you do with your account including how and when you use it. They can also see and get alerts when you buy something or use the ATM and may be able to control how much money you spend or where you spend it.
For Teens between the ages of 13-17, you have more options, but if a Parent/Legal Guardian is a co-owner, they can still see your activity. In some cases, laws allow your Parent/Legal Guardian to do more things like ask us not to contact you or ask for your information to be deleted.
We delete your data when allowed to or if you or your Parent/Legal Guardian asks us, unless we are required by law to retain it.
Qualifications & exceptions
Parental visibility depends on co-ownership; emancipation and the state’s age of majority affect ownership.
Additional parental requests depend on applicable law, and deletion is subject to legal retention requirements.
Teens and parents may have access, correction and deletion rights
For teens aged 13–17 and their parents or legal guardians, the notice says applicable similar laws may provide rights to delete information about a teen, challenge accuracy and request correction, and review and obtain information collected about the teen or child. These rights are conditional: the notice says rights vary with how and where a person interacts with Wells Fargo. Deletion remains subject to legally required retention, and only an account owner can update contact information.
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Your privacy rights vary depending on how and where you interact with us. For more information, see the Contact Us section below.
Privacy Rights for Minors 13-17 Years of Age
For teens or Parents/Legal Guardians of teens between the ages of 13-17, where applicable, you may have specific rights under similar laws including:
Delete the personal information related to or about a teen
Challenge the accuracy and request correction of inaccurate personal information
Review and obtain personal information collected about the teen/child
Only an account owner can update contact information.
We delete your data when allowed to or if you or your Parent/Legal Guardian asks us, unless we are required by law to retain it.
Qualifications & exceptions
Rights depend on applicable law and how and where the person interacts with Wells Fargo.
Legally required retention limits deletion.
Only the account owner can update contact information.
Privacy requests can be made by phone or through the privacy center
Parents or legal guardians of children and teens, and teens themselves, may submit requests to know, delete or correct personal information through 1-844-774-9229 or www.wellsfargo.com/privacycenter/. The notice says rights vary with how and where the person interacts with Wells Fargo; these channels do not remove applicable limits, including legal retention and the rule that only an account owner can update contact details.
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Parents/Legal Guardians of children and teens, and teens themselves, may make a Request to Know, Delete, or Correct the personal information Wells Fargo has about them by:
Contacting us at 1-844-774-9229; or
Submitting your request at www.wellsfargo.com/privacycenter/
Your privacy rights vary depending on how and where you interact with us. For more information, see the Contact Us section below.
Only an account owner can update contact information.
We delete your data when allowed to or if you or your Parent/Legal Guardian asks us, unless we are required by law to retain it.
Qualifications & exceptions
The applicable rights and limitations still govern requests.
Not stated here
The privacy-center website’s own text is not supplied here; this card gives only the request routes in the notice.
General privacy questions can be emailed to Wells Fargo
For general privacy questions or concerns, the notice gives PrivacyCenter@wellsfargo.com. It separately supplies a phone number and privacy-center website for requests to know, delete or correct personal information.
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For general privacy questions or concerns email us: PrivacyCenter@wellsfargo.com.