Revision History
WellsFargo.com - Wells Fargo U.S. Consumer Privacy Notice
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Version Comments
The contact information for Nevada residents has been updated.
"Wells Fargo Advisors" renamed to "Wells Fargo Clearing Services, LLC".
The section entitled "Wells Fargo Clearing Services, LLC Financial Advisors" has been renamed and revised; The section "Wells Fargo U.S. legal entities and businesses covered by this notice" has been updated.
This is the initial version that ParanoidPaul captured. It is not necessarily the first version of the document.
This notice is effective as of November 1, 2013. 

	FACTS  WHAT DOES WELLS FARGO DO WITH YOUR PERSONAL INFORMATION? 

 Why? 

	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.  

 What? 

	The types of personal information we collect and share depend on the product or service you have with us. This information can include: 

 	 Social Security number and employment information
 	 Account balances and transaction history
 	 Credit history and investment experience

 How? 

	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Wells Fargo chooses to share; and whether you can limit this sharing.  

 Reasons we can share your personal information 
 Does Wells Fargo share? 
 Can you limit this sharing? 

  FOR OUR EVERYDAY BUSINESS PURPOSES — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus 
  Yes 
   No 

  FOR OUR MARKETING PURPOSES — with service providers we use to offer our products and services to you (please see below to limit the ways in which we contact you) 
  Yes 
   No 

  For joint marketing with other financial companies 
   No 
   We don't share 

  FOR OUR AFFILIATES’ EVERYDAY BUSINESS PURPOSES — information about your transactions and experiences 
  Yes 
   No 

  FOR OUR AFFILIATES’ EVERYDAY BUSINESS PURPOSES — information about your creditworthiness 
  Yes 
   Yes 

  For our affiliates to market to you 
   Yes 
   Yes 

  For nonaffiliates to market to you 
   No 
  		 WE DON'T SHARE 

 TO LIMIT OUR SHARING 

 	 Call 1-888-528-8460 — our menu will prompt you through your choices.
 	 Online banking customers — log on to a secure session at wellsfargo.com, and choose Change Privacy Preferences under the Account Services tab.

	PLEASE NOTE: 

	If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we can continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. 

 TO LIMIT DIRECT MARKETING 

 	 To limit our direct marketing to you by mail or telephone, call 1-888-528-8460 — our menu will guide you through your choices.
 	 Online banking customers — log on to a secure session at wellsfargo.com, and choose Change Privacy Preferences under the Account Services tab.

	PLEASE NOTE: 

	A Do Not Call election is effective for five years, or while you are an active consumer customer, if longer than five years. The Do Not Mail election is effective for three years. You may continue to receive marketing information in regular account mailings and statements when you visit us online or at an ATM. You may also be contacted to service your account or participate in surveys. If you have an assigned client manager or team, they may continue to contact you to assist you in managing your portfolio or account relationship. 

 Questions? 
 		Call 1-800-TO-WELLS (1-800-869-3557) or go to wellsfargo.com/privacy-security

 Who we are 

	WHO IS PROVIDING THIS NOTICE?   

	Wells Fargo U.S. companies that use Wells Fargo in their names and other companies listed in the Wells Fargo U.S. legal entities section below.  

	WHAT WE DO  

	HOW DOES WELLS FARGO PROTECT MY PERSONAL INFORMATION?   

	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. For more information, visit wellsfargo.com/privacy-security  

	HOW DOES WELLS FARGO COLLECT MY PERSONAL INFORMATION?   

	We collect your personal information, for example, when you: 

 	 Open an account or make deposits or withdrawals from your accounts
 	 Apply for a loan or use your credit or debit card
 	 Seek advice about your investment

	We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.  

	WHY CAN’T I LIMIT ALL SHARING?   

	Federal law gives you the right to limit only: 

 	 Sharing for affiliates’ everyday business purposes — information about your creditworthiness
 	 Affiliates from using your information to market to you
 	 Sharing for nonaffiliates to market to you

	State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.  

	WHAT HAPPENS WHEN I LIMIT SHARING FOR AN ACCOUNT I HOLD JOINTLY WITH SOMEONE ELSE?   

	Your choices will apply individually unless you tell us otherwise. Any account holder may express a privacy preference on behalf of the other joint account holders.  

	Definitions  

	 AFFILIATES    

	Companies related by common ownership or control. They can be financial and non-financial companies. 

 	 Our affiliates include financial companies with Wells Fargo in their name such as Wells Fargo Bank, N.A., Wells Fargo Insurance, Inc., and Wells Fargo Advisors, LLC.

	 NONAFFILIATES    

	Companies not related by common ownership or control. They can be financial and non-financial companies. 

 	 Wells Fargo does not share with nonaffiliates so they can market to you.

	 JOINT MARKETING    

	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. 

 	 Wells Fargo does not jointly market.

 Other important 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.  

	 DO NOT CALL POLICY: This Privacy Policy constitutes Wells Fargo’s Do Not Call Policy under the Telephone Consumer Protection Act for all consumers. Wells Fargo maintains an internal Do Not Call preference list. Do Not Call requests will be honored within 30 days and will be effective for at least five years from the date of request. No telemarketing calls will be made to residential or cellular phone numbers that appear on the Wells Fargo Do Not Call list.  

	 NEVADA RESIDENTS: We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by following the directions in the To limit direct marketing section. For more information, contact us at 1-800-869-3557; nevadanoticeinfo@wellsfargo.com, or Wells Fargo, P.O. Box 5277, Sioux Falls, SD 57117-5277. Or, contact the Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; 702-486-3132; BCPINFO@ag.state.nv.us.  

  VERMONT: We automatically treat customers with a Vermont mailing address as having limited sharing with our affiliates as provided on page one. 

	 TRUST OR FIDUCIARY ACCOUNTS: Trust or fiduciary accounts for which Wells Fargo is the trustee or service provider, including employer-sponsored retirement accounts, are protected under special rules of confidentiality. Information on these accounts is not shared for marketing purposes without specific consent.  

	 WELLS FARGO ADVISORS FINANCIAL ADVISORS: If your financial advisor's affiliation with Wells Fargo Advisors ends and they join a non-affiliated securities broker-dealer, your financial advisor may be permitted to use limited information to contact you to join their new firm, as a usual means to continue to service and maintain your accounts. The information they may use is limited to your name, address, email address, phone number, and account title.  

	Wells Fargo U.S. legal entities and businesses covered by this notice  

	Wells Fargo U.S. banks and companies with “Wells Fargo” in their names, including Wells Fargo Advisors, LLC; Wells Fargo Bank, N.A. doing business as Flatiron Capital; as well as American Mortgage Network, LLC, doing business as Vertice; and Abbot Downing, a Wells Fargo Business. 

	This Privacy Notice also describes the privacy practices of First Clearing, LLC (“First Clearing”), which is an affiliated clearing firm of Wells Fargo Advisors, LLC. First Clearing does not market to holders of accounts carried by First Clearing or provide information regarding such accounts or regarding your creditworthiness to other Wells Fargo companies for their own marketing or everyday business purposes, and the choices in this notice do not apply to First Clearing. 

	The following legal entities and businesses are NOT covered by this notice and have separate privacy notices: 

 	 Wells Fargo Financial National Bank
 	 Wells Fargo Funds
 	 Wells Fargo Advisors Financial Network, LLC
 	 Any insurance company, insurance agency, or insurance brokerage or other company, which has its own privacy notices
 	 Businesses which have provided a separate privacy notice governing specified accounts or relationships

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