Instruction and Informed Consent to Allow Google Assistant to Access Your Account Information
Your Google Assistant Account Access Instruction to Schwab. You instruct Charles Schwab & Co., Inc. and its affiliates ("Schwab", "we" or "us") to allow Google LLC's Google Assistant ("Google Assistant" or "Google") to access your Schwab account information (the "Account Information"). By instructing us to do this you agree to these terms, including the Early Access Agreement below, all of which we may amend from time to time, and providing your informed consent. You are accepting the responsibility and risks summarized below. We may change, suspend or cancel this instruction at any time. The current version of these terms is available at schwab.com/googleassistantaccess.
The Account Information You Will Be Sharing. For each brokerage account that you instruct us to link to Google Assistant, you are authorizing Schwab to allow Google Assistant access to your Account Information, which may include some or all of the following types or categories of Account Information: account descriptors, holdings, balances, transaction history, and other account details.
The amount and type of Account Information that Google can access may be more or less than is required for Google Assistant to provide the services you are expecting to receive from it.
We will not share some sensitive or personally identifiable information. This includes your Social Security Number, email, residential address, phone number, Schwab account-access credentials (including login IDs and passwords), and date of birth. You should safeguard sensitive and personally identifiable information, and you should not share your Schwab account-access credentials with anyone, including with Google.
Google Is Your Authorized Person. You agree that by instructing us to allow Google to access your Account Information, you are authorizing any activity that Google undertakes as a result, even if you did not anticipate that activity. This includes activities by Google, its employees and agents, and the financial apps and programs and any others with whom Google does business and shares your Account Information. You understand that allowing Google to access and share your Account Information could potentially expose you to increased privacy and security risks, including fraud and unauthorized transactions.
How the Schwab Security Guarantee Applies. The Schwab Security Guarantee linked to below covers losses in your Schwab accounts, including any accounts to which you instruct us to give access to a third party, including Google. You understand that the protections of the Schwab Security Guarantee will not apply to losses caused by the access to, use of, disclosure, or exposure of your Account Information by Google or other third party with whom Google shares your Account Information because they are your authorized persons. DO NOT SHARE YOUR SCHWAB ACCOUNT-ACCESS CREDENTIALS WITH ANYONE OR THE SECURITY GUARANTEE WILL NOT APPLY. See (https://www.schwab.com/public/schwab/nn/legal_compliance/schwabsafe/security_guarantee.html)
Some Risks of Allowing Google Access to Your Account Information. Once Google accesses your Account Information, we cannot retrieve it for you, and we are no longer responsible for how the Account Information is secured or used (including whether it is shared with or sold to other parties or used in an unauthorized manner or for an improper purpose).
Schwab cannot guarantee that the Account Information as may be accessed, displayed, or used by Google Assistant is current or otherwise accurate.
It is important that you understand Google's services and how they intend to use your Account Information, including whether they share or sell your Account Information, and how they keep your Account Information safe and secure. Google, and not Schwab, is solely responsible for the privacy of your Account Information, including the security, use, transmission, and storage of your Account Information. You should review Google's privacy policy and/or your agreement with it for details about its business and privacy practices. Schwab is not affiliated with Google and does not endorse their products and services.
Conversational, Voice, and Audible Engagement Risks. Google Assistant may use conversational, voice, and other audible engagement or technology, and you should be aware of your physical surroundings and make sure unauthorized parties cannot overhear or intercept any audible commands and responses, which can include your Account Information. You are responsible for any audible commands and responses, including any Account Information intercepted, disclosed, or provided, as well as any audible commands made or responses heard by an unauthorized person.
Early Access Agreement. The integration that allows Google Assistant to access your Schwab account information (the "Integration") is made available to you on an early access basis ahead of possible generally available release subject to the following terms. The Integration contains prerelease code and may not be at the level of performance of a final, generally available release. It may contain flaws in design and functionality and may not operate correctly or without interruption or errors. You acknowledge that your access to the Integration is for purposes of evaluating and testing the Integration.
Disclaimer of Warranties. YOUR USE OF THE INTEGRATION IS WITHOUT SUPPORT OF ANY KIND. YOU ALONE BEAR THE RISK OF USING THE INTEGRATION. YOU ACKNOWLEDGE THAT THE INTEGRATION HAS NOT COMPLETED SCHWAB'S QUALITY ASSURANCE PROGRAM AND MAY HAVE ERRORS, VIRUSES, BUGS, AND/OR OTHER DEFECTS. THE INTEGRATION IS PROVIDED ON AN "AS-AVAILABLE," "AS-IS" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, SCHWAB AND ITS AGENTS AND LICENSORS AND VENDORS DISCLAIM ALL REPRESENTATIONS AND WARRANTIES WITH RESPECT TO THE INTEGRATION, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF NON-INFRINGEMENT, TITLE, MERCHANTABILITY, QUIET ENJOYMENT, QUALITY OF INFORMATION, AND FITNESS FOR A PARTICULAR PURPOSE. SCHWAB DOES NOT REPRESENT OR WARRANT THAT THE INTEGRATION WILL MEET YOUR REQUIREMENTS, OR THAT THE OPERATION OF THE INTEGRATION WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT DEFECTS IN THE INTEGRATION CAN OR WILL BE CORRECTED.
Limitation of Liability. SCHWAB AND ITS AFFILIATES AND THEIR VENDORS AND LICENSORS WILL NOT BE RESPONSIBLE FOR LOST PROFITS, REVENUES, TRADING OR OTHER FINANCIAL LOSSES OR INDIRECT, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES. THE MAXIMUM LIABILITY OF THE FOREGOING PARTIES FOR ALL CLAIMS (WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE) OF EVERY KIND IN CONNECTION WITH THIS EARLY ACCESS AGREEMENT WILL NOT EXCEED TEN DOLLARS ($10.00).
Indemnification. You agree to defend, indemnify, and hold harmless Schwab and its agents and licensors from and against any claim, action, proceeding, liability, loss, damage, cost, or expense, including, without limitation, attorneys' fees, experts' fees and court costs as provided herein arising out of or relating to your use of or access to the Integration.
Non-Disclosure. You agree to maintain the Integration and associated release details, content, features, and performance ("Confidential Information") in strict confidence, and you shall not disclose them or make them available to any third parties. Confidential Information may only be used by you solely for the purpose of carrying out your obligations under this Agreement. Without limiting the foregoing, you agree not to demonstrate the Integration to any third party, or publish or otherwise disclose information relating to performance or quality of the Integration to any third parties.
Feedback. A key objective of your early access to the Integration is to learn about the performance of the Integration. You agree to use reasonable efforts to provide Schwab feedback regarding the Integration. All suggestions, comments or other feedback you provide, through whatever means, will be considered Schwab intellectual property and owned by Schwab. You assign all of your rights, including intellectual property rights in the feedback to Schwab. You agree to take all steps necessary to effect the foregoing ownership.
Aggregated/Statistical Data. Schwab, its vendors, licensors and agents may collect anonymous, statistical data about your use of and interactions with the Integration, including information gained through the use of tags and other means. You agree Schwab may use this data for purposes of improving the Integration, the user experience, and Schwab's other business purposes.