Privacy Policy

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In the information age, Wells Fargo's commitment to protect your information and your privacy extends to your online banking. While our privacy policies are the same whether you are online or not, we have extra measures in place to protect your privacy when you bank online with Wells Fargo.

 

1. We begin by safeguarding the security and integrity of customer information.

We are committed to protecting the security and integrity of customer information through procedures and technology designed for this purpose. For example:

  • We limit employee access to customer information to those who have a business reason to know this information. Employees are required to honor our code of conduct, which includes standards to protect customer confidentiality. They are subject to disciplinary action if they fail to do so.
  • We maintain policies and procedures covering the proper physical security of workplaces and records.
  • Our physical, electronic, and procedural safeguards meet or exceed federal standards regarding the protection of customer information.
  • We require independent contractors and outside companies who work with us to adhere to strict privacy standards through their contracts with us.
  • We use technological means (such as backup files, virus detection and eradication software, firewalls, and other computer software and hardware) to protect against unauthorized access or alterations to customer data.

2. We collect and maintain customer information as part of servicing your account and your customer relationship.

In the course of serving you, we collect information about you from a variety of sources, such as:

  • Information you provide to us on applications or forms, such as your income and accounts with others;
  • Information we receive from an outside company, such as a credit bureau, regarding your credit history or employment status; or
  • Information about your transactions or experiences with companies affiliated with Wells Fargo & Company
3. The customer information we collect is used to serve your accounts and meet your financial needs.

Information may be used among the Wells Fargo companies, as well as with authorized third parties (described in section 4), for a number of purposes, such as:

  • To protect your accounts from unauthorized access or identity theft.
  • To process your requests such as loan applications and purchases.
  • To service your accounts by issuing checks and account statements.
  • To keep you informed about financial services of interest to you.

4. We share information with nonaffiliated third parties when they are acting on our behalf, or acting jointly with us.

We may disclose the information we collect, as described above, with nonaffiliated third parties that are acting on our behalf, including:

  • Companies that perform support services for us, such as data processors,technical systems consultants and programmers, check printers, or companies that help us market Wells Fargo products and services to you. We may also share certain information with companies that help us conduct surveys or marketing research.
  • There are other situations when we may disclose to third parties the customer information we collect as permitted or required by law. Third parties could include government entities, courts or other entities (in response to subpoenas and other legal processes), and those with whom you have requested us to share information.

Important Notice about Credit Reporting: We may report information about your account(s) to credit bureaus and/or consumer reporting agencies. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report and/or consumer report.

It is important to note that we do not share customer information with other companies for the purpose of marketing their products to you, unless you specifically request in advance that we do so, or unless the sharing is in connection with:

  • Maintaining or servicing an account with us, or with a third party as part of a private label credit card program or other extension of credit on behalf of the third party; or
  • Marketing of our own products or services.

5. Within the Wells Fargo companies, we share information so that we can work together to serve you.

We may disclose all of the information we collect, as described above, within Wells Fargo Financial and other affiliated Wells Fargo companies, including:

  • Our administrative and service units which, for example, service your accounts or prepare your account statements.
  • Wells Fargo companies which provide financial and other services. These include consumer bankers, mortgage lenders, consumer lenders, securities broker-dealers, insurance agencies, and real estate brokerage companies. By law, information that helps us identify you or is derived from your transactions and experiences with us may be shared among the Wells Fargo companies (a) for purposes other than direct marketing, and (b) unless you instruct us otherwise, for direct marketing purposes. You can instruct us not to share other personal financial information about you with other Wells Fargo companies. In addition, if you select that option, we will not share your information about you with our affiliates for direct marketing purposes. Indicate your preference on the attached “You Have Choices At Wells Fargo Financial” response form and return it to us at any time.

6. Important contact information for current customers.

Please note that if you choose not to receive solicitations by mail or telephone, you may continue to receive marketing information by mail about your existing Wells Fargo accounts or receive survey calls. Marketing information may be included in regular account mailings and statements, when you visit us online or at an ATM.

Some state laws may impose additional restrictions on disclosure of information about customers for certain purposes in those states.

You have choices at Wells Fargo Financial

If you choose to express a privacy preference (information sharing or solicitation preferences), it will remain in effect as ling as you are a customer. If you have already recorded a privacy preference with us, there is no need to do so again. You may change your instructions at any time in the future.

How To Communicate A Preference To Us

  • Call us at 1-888-528-8460,
  • Online banking customers may indicate privacy preferences at wellsfargo.com

Your Choices

We may share information about you within the Wells Fargo companies. However, you may instruct us not to share certain personal financial information as described in section 5.

If you are satisfied with the current level of information you receive from Wells Fargo, you do not need to change your solicitation preference at this time. If you choose not to hear from us, you may not be notified about new services at Wells Fargo that may benefit you.

If you are a Wells Fargo online banking customer you may indicate your privacy preferences online at wellsfargo.com.

Your preference will apply to all accounts linked to your Social Security Number.  For joint accounts, any account holder may express a privacy preference on behalf of the other joint account holder.

This disclosure applies to consumers who have, or have had, a customer relationship with or have made an inquiry or application to one or more of the non-bank companies with “Wells Fargo Financial” in their names as well as Wells Fargo Financial National Bank.

The policies and practices described in this disclosure are subject to change, but we will communicate any significant changes to you as required by applicable law. The policies and practices described in this disclosure replace all previous notices or statements regarding this subject.

Wells Fargo Financial Texas, Inc. and, for loans to Texas residents, Wells Fargo Financial Louisiana, Inc. are Licensed and examined under the laws of the State of Texas and by state law are subject to regulatory oversight by the Office of Consumer Credit Commissioner. Any consumer wishing to file a complaint against Wells Fargo Financial Texas, Inc. or against Wells Fargo Financial Louisiana, Inc. about a loan to a Texas resident should contact the Office of Consumer Credit Commissioner through one of the means indicated below: In person or U.S. Mail: 2601 North Lamar Boulevard, Austin, Texas 78705-4207. Telephone No.: (800) 538-1579. Fax No.: (512) 936-7610. E-mail: consumer.complaints@occc.state.tx.us. Website: www.occc.state.tx.us

Ambos Wells Fargo Financial Texas, Inc., así como Wells Fargo Financial Louisiana, Inc. (para préstamos otorgados a residentes de Texas), son licenciados y sujetos a examinación bajo las leyes del Estado de Texas y, de conformidad con la ley estatal, están sujetos a la supervisión regulatoria de la Oficina del Comisionado de Crédito al Consumidor. Cualquier consumidor que desea presentar una queja contra Wells Fargo Financial Texas, Inc. o contra Wells Fargo Financial Louisiana, Inc., en relación con un préstamo otorgado a un residente de Texas, debe comunicarse con la Oficina del Comisionado de Crédito al Consumidor a través de uno de los medios indicados a continuación: En Persona o por Correo Postal de los Estados Unidos a: 2601 North Lamar Boulevard, Austin, Texas 78705-4207. Teléfono: (800) 538-1579. Por Fax: (512) 936-7610. Por Correo Electrónico al: consumer.complaints@occc.state.tx.us. Sitio Web: www.occc.state.tx.us.

Updated: 05/07/2008