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The provision establishes the operational mechanism by which Wealthfront obtains and maintains current financial data from external accounts. By delegating credential handling to third-party service providers and limiting credential storage to encrypted login names only, the clause defines the infrastructure and data handling scope for the account aggregation service.
Users who elect to use the account aggregation service grant standing authorization for repeated access to their linked accounts via their login credentials, with that access continuing automatically as long as the ACH link remains active. The terms specify that actual login credentials are transmitted to and stored by third-party service providers rather than retained by Wealthfront itself.
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"By choosing to use our Services to aggregate and analyze your Outside Account Information, you expressly authorize and direct Wealthfront, on your behalf, to access all Outside Account Information available via the login credentials you provide. You also authorize and direct Wealthfront periodically to refresh your retrieved Outside Account Information by re-accessing your linked third-party accounts using your login credentials for so long as the ACH link remains active. Wealthfront uses third-party service providers for the collection, use, storage, and handling of data in connection with our account aggregation services and for purposes of verifying the outside accounts. Wealthfront does not store the login credentials for your linked third-party accounts after the credentials have been transmitted to the applicable service provider, but we may store your login names in encrypted form for purposes of fraud detection and prevention.— Excerpt from Wealthfront's Wealthfront Privacy Policy
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The provision establishes the operational mechanism by which Wealthfront obtains and maintains current financial data from external accounts. By delegating credential handling to third-party service providers and limiting credential storage to encrypted login names only, the clause defines the infrastructure and data handling scope for the account aggregation service.
Users who elect to use the account aggregation service grant standing authorization for repeated access to their linked accounts via their login credentials, with that access continuing automatically as long as the ACH link remains active. The terms specify that actual login credentials are transmitted to and stored by third-party service providers rather than retained by Wealthfront itself.
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