If you use the joint account shared view feature, Wealthfront will share your personal financial information including account balances and account details with your co-owner.
This analysis describes what Wealthfront's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
The clause establishes the operational scope of data sharing that occurs upon account linking, defining which personal identifiers and account details the platform may transmit to designated co-owners during the period the shared view connection remains active.
Enabling the shared view feature results in the sharing of your name, linked institution name, account name, partial account number, and account balance with your joint account co-owner for as long as the account remains linked.
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"By linking and sharing an account to a shared view, you authorize Wealthfront to share with your co-owner, for the duration such account is rightfully linked, certain personal information collected from you, including your name, the name of the linked financial institution, the name of your linked account, the last 4 digits of your linked account number, and the linked account's balance.— Excerpt from Wealthfront's Wealthfront Terms of Service
REGULATORY LANDSCAPE: The sharing of personal financial information between joint account holders engages GLBA requirements for financial institutions governing the disclosure of nonpublic personal information. CCPA may apply to the disclosure of personal financial data for California residents. The SEC's Regulation S-P, which governs privacy of consumer financial information for investment advisers and broker-dealers, is also potentially relevant to this data-sharing arrangement. GOVERNANCE EXPOSURE: Low to Medium. The shared view feature operates on an opt-in basis through the act of linking accounts, and the data categories shared are explicitly enumerated in the agreement. The provision includes a representation that users will not link accounts co-owned with third parties who are also Wealthfront clients, which may be difficult to verify operationally. The disclosure is limited to co-owners of joint accounts, which is a defined and contextually appropriate relationship. JURISDICTION FLAGS: California CCPA requirements for disclosure of categories of personal information shared may require that this sharing be reflected in Wealthfront's privacy disclosures and CCPA notices. For users in other states with emerging privacy laws (Virginia, Colorado, Texas), similar disclosure requirements may apply. CONTRACT AND VENDOR IMPLICATIONS: The provision does not address what happens to shared data if the joint account relationship ends or the account is unlinked, which may be a gap in the data governance framework. Compliance teams should confirm that unlink events trigger appropriate data handling procedures. COMPLIANCE CONSIDERATIONS: Privacy teams should confirm that the shared view data-sharing arrangement is reflected in the Privacy Policy, Regulation S-P notices, and any CCPA disclosures. Operational procedures for account unlinking and data retention in shared view contexts should be reviewed.
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The clause establishes the operational scope of data sharing that occurs upon account linking, defining which personal identifiers and account details the platform may transmit to designated co-owners during the period the shared view connection remains active.
Enabling the shared view feature results in the sharing of your name, linked institution name, account name, partial account number, and account balance with your joint account co-owner for as long as the account remains linked.
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