Effective Date: 1-1-2024
OVERVIEW
Thank you for visiting the Farm Credit EXPRESS website and reading our California Consumer Privacy Policy (“California Privacy Notice”). This California Privacy Notice includes our notice at collection and our privacy policy pursuant to the California Consumer Privacy Act (“CCPA”). We respect your privacy and are committed to protecting the information we collect for all customer and prospective customer interactions. Further, as a member of the Farm Credit System, we are subject to the confidentiality and privacy regulations of the Farm Credit Administration. This California Privacy Notice is designed to assist you in understanding how we collect, use, disclose and safeguard the personal information relating to California residents covered by the CCPA provided to us in using our website and the services provided through our website. You can also view the Privacy Notice that pertains to non-California residents here.
Under the CCPA, “Personal Information” is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California resident or household. The CCPA does not apply to certain information, such as information collected, processed, sold or disclosed subject to the federal Farm Credit Act of 1971 (“Farm Credit Act”). The specific Personal Information that we collect, use, and disclose relating to a California resident covered by the CCPA will vary based on our relationship or interaction with that individual. For example, this California Privacy Notice does not apply with respect to Personal Information that we collect about California residents who apply for our products and services which are offered pursuant to the Farm Credit Act.
DESCRIPTION OF THE PERSONAL INFORMATION WE COLLECT
Farm Credit EXPRESS collects certain types of Personal Information in order to maintain and administer financial services, provide customer service, and offer new products and services that might be beneficial to you. The information collected likely identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household.
The term “Personal Information” does not include publicly available information from government records, deidentified or aggregated consumer information, or other information specifically exempted by statute (such as health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and other sector-specific privacy laws (including the Fair Credit Reporting Act, the Gramm-Leach-Bliley Act, the California Financial Information Privacy Act, and the Driver’s Privacy Protection Act of 1994)).
In the past 12 months, we have collected each of the following categories of Personal Information relating to California residents covered by this California Privacy Notice:
HOW WE COLLECT PERSONAL INFORMATION AND CATEGORIES OF SOURCES FROM WHICH PERSONAL INFORMATION IS COLLECTED
We collect the categories of Personal Information listed above both directly from you when you interact with us, indirectly from you as you interact with our website, and from third parties as further described below:
ANONYMOUS INFORMATION COLLECTED AND STORED AUTOMATICALLY
We automatically collect general information anonymously (such as the type of browser you use, the file names you request, and the domain name from which you made your request) to improve our website and better meet your needs. When you visit our website, we collect information about your Internet connection. We use this information to help us make our site more useful to visitors and to learn about the number of visitors to our site and the types of technology our visitors use. We do not track or record Personally Identifiable Information about individuals and their visits or use targeted marketing or behavioral tracking technologies. The information collected does not identify you personally. When you visit our website, we automatically collect and store the following information about you:
This information does not identify you personally and is automatically collected and stored through the use of cookies. A cookie is a small amount of text sent from a website to your computer while visiting the site. The cookie is stored on your hard drive. We use discreet information stored in cookies in order to provide a customized user experience. However, you can set your web browser(s) to prevent cookies from being sent. We collect aggregate data about our users through Google Analytics. We use such aggregate demographic and general interest information to better understand our users so that we may provide better online services. For additional information on how Google Analytics collects and processes data, please see www.google.com/policies/privacy/partners/ (“How Google Uses Information from Sites or Apps that Use Our Services”).
COOKIE USE
We use Google Analytics on this website, which may use cookies to determine location of visitors, browsers used, new/returning visitors, and other relevant information for a more seamless user experience.
INFORMATION THAT YOU PROVIDE DIRECTLY TO US
If you complete an interactive form or submit an email through our website, then your information will be used as described at the point of collection. The information may be used or seen by Farm Credit EXPRESS employees, but we do not give, sell, or transfer any personal information to third-parties unless required by law or for other permissible purposes as provided by law. If you would like to provide information to us but are not comfortable doing so by email or web form, then you may contact us by calling (800) 477-9947 or by mail at 15 Eby Chiques Rd, Mount Joy PA 17552. If you would like to transmit information that is more sensitive or personal, such as a Social Security number, credit card number, or bank account number, then you should only transmit such information by utilizing our secure email system, by postal mail, or by contacting us by telephone at the number provided above; such information should not be submitted through a non-secure means of communication (e.g., through our website contact form or a chat or message feature).
Through our website, we collect personally identifiable information (e.g., name, address, Social Security number) only if such information is specifically and knowingly provided by you. We limit the use and collection of such information to that which is necessary to maintain and administer financial services, provide customer service, and offer new products and services that may be beneficial to you. If you would like to be removed from our distribution list, then you may contact us at the telephone number or address provided above or by email at privacy@farmcreditexpress.com.
INFORMATION RECEIVED FROM THIRD PARTIES
We may also receive your Personal Information from others in connection with your application and request for credit, such as credit bureaus, affiliates, or other companies, and we may receive information from Federal and State government databases in connection with your loan application or request for credit, including property and identity verification and eligibility to borrow.
BUSINESS PURPOSE FOR COLLECTING THE PERSONAL INFORMATION
WHY WE USE OR DISCLOSE YOUR PERSONAL INFORMATION
We will not collect additional categories of Personal Information or use the Personal Information we collected for materially different, unrelated, or incompatible purposes without providing notice to you.
We do not use or disclose Sensitive Personal Information for purposes other than those set forth in Cal. Civ. Code § 1798.121(a).
DISCLOSURES OF PERSONAL INFORMATION FOR A BUSINESS PURPOSE.
In the preceding twelve (12) month period, we have disclosed information within the following categories of Personal Information for a business purpose:
In the preceding twelve (12) month period, with respect to each category of Personal Information listed above we disclosed Personal Information to the following categories of third parties: Service Providers (such as technology service providers and financial service providers); attorneys, regulatory bodies; and loan participants.
SALES OF PERSONAL INFORMATION.
Farm Credit EXPRESS does not sell to or share with any Third Parties (as defined under California Civil Code section 1798.140) any categories of Personal Information and has not sold or shared any Personal Information in the preceding twelve (12) months. For purposes of this California Privacy Notice, “sold” means selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, Personal Information to a third party for monetary or other valuable consideration.
“Share” means sharing, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, Personal Information to a third party for cross-context behavioral advertising.
We do not knowingly collect, share or sell Personal Information of minors under 16 years of age.
THIRD-PARTY WEBSITE LINKS
We may periodically offer links to third-party websites. While we do our best to provide you with helpful, trustworthy resources, we cannot endorse, approve, or guarantee information, products, services, or recommendations provided at a third-party website. Because we may not always know when information on a linked website changes, we are not responsible for the content or accuracy of any third-party website. We will not be responsible for any loss or damage of any sort resulting from the use of a link on its website, nor will we be liable for any failure of products or services advertised or provided on these linked websites.
We offer links to you on an “as is” basis. When you visit a third-party website by using a link on our website, you will no longer be protected by our privacy statement or security practices. The data collection, use, and security practices of the linked website may differ from the practices of our website. You should familiarize yourself with the privacy statement and security practices of the linked website, as those are the policy and practices that will apply to your use of the linked website – not our policy and procedures.
The Farm Credit EXPRESS website provides a link for you to access the Whistleblower Hotline. The link directs you to an entity that has an overlapping business purpose with Farm Credit EXPRESS.
SECURITY AND INTRUSION DETECTION
We use industry standard data encryption to ensure the security of our systems and of any information that you provide us through this website. We employ software programs to monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage. However, no security measure or modality of data transmission over the Internet is 100% secure. Although we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee absolute security. Unauthorized attempts to access, alter, or damage this website and our customers’ Personal Information are strictly prohibited and may subject wrongdoers to civil and criminal penalties under applicable law.
CHILDREN’S ONLINE PRIVACY PROTECTION ACT
Our website is not intended for children under the age of 13 and we do not knowingly collect, use, or disclose personal information from children under 13. If a parent or guardian becomes aware that his or her child has provided personal information without their consent, then he or she should promptly inform us through one of the methods described in the contact section below and we will use reasonable efforts to comply with the request. For more information about the Children’s Online Privacy Protection Act (COPPA), visit ftc.gov.
“DO NOT TRACK” SIGNALS
Some internet browsers incorporate a “Do Not Track” feature that signals to websites you visit that you do not want to have your online activity tracked. Given that there is not a uniform way that browsers communicate the “Do Not Track” signal, the website does not currently interpret, respond to, or alter its practices when it receives “Do Not Track” signals.
CONSUMER REQUESTS: YOUR RIGHTS AND CHOICES ABOUT PERSONAL INFORMATION UNDER CALIFORNIA LAW
The CCPA provides California residents with specific rights regarding their Personal Information. If you are a California resident covered by the CPPA, this section describes your CCPA rights and how to exercise those rights by submitting a consumer request (“Consumer Request”).
ACCESS TO SPECIFIC INFORMATION AND DATA PORTABILITY RIGHTS
You have the right to request that Farm Credit EXPRESS disclose certain or all of the following information to you about our collection and use of your Personal Information over the past twelve (12) months. Once we receive a verifiable Consumer Request, we will be able to disclose to you any of the following information if we have it:
DELETION REQUEST RIGHTS
You have the right to request that we delete your Personal Information that we collected from and about you, subject to certain statutory exceptions. Once we receive a verifiable Consumer Request, we will identify the Personal Information, confirm that you want that Personal Information deleted, and then delete (and direct our service providers to delete) your Personal Information from our records, unless an exception applies.
We may be unable to comply with, or may deny, your deletion request if retaining the Personal Information is necessary for us or our service provider(s) to:
CORRECTION OF INACCURATE PERSONAL INFORMATION
You have the right to request we correct inaccurate Personal Information we maintain about you.
OPT-OUT OF SALE RIGHTS
California residents have the right to direct a business that sells or shares (or may in the future sell or share) your Personal Information to stop selling or sharing your Personal Information and to refrain from doing so in the future. Farm Credit EXPRESS does not and will not sell or share Personal Information as defined in the CCPA.
NON-DISCRIMINATION
You have the right not to receive discriminatory treatment for exercising your rights under the CCPA. We will not take any of the following actions solely because you chose to exercise any of your legal rights under the CCPA regarding your Personal Information:
HOW TO EXERCISE YOUR RIGHTS AND SUBMIT A CONSUMER REQUEST
To exercise your access, data portability, correction and deletion rights, please submit a Consumer Request to the contact information below. The Consumer Request must describe the request with sufficient detail that allows us to properly understand, evaluate and respond to it. Please specify if your Consumer Request pertains to all specific pieces of your Personal Information, or only with respect to the categories of Personal Information. We are not obligated to respond to a Consumer Request for access or data portability for the same consumer more than twice within a twelve (12) month period.
HOW WE WILL VERIFY CONSUMER REQUESTS
Only you, or a natural person or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a Consumer Request related to your Personal Information. To designate an authorized agent, we will ask you provide us with legal documentation (such as a power of attorney created pursuant to the California Probate Code) or do either of the following: (1) verify your own identity directly with us, (2) directly confirm with us that you provided the authorized agent permission to submit the request.
We reserve the right to require you to provide additional information to enable us to reasonably verify that you are the person about whom the Personal Information pertains in order to release the requested information to you (or your authorized agent). If we are unable to verify your identity, we may be unable to provide you with information responsive to the request.
HOW WE WILL RESPOND TO CONSUMER REQUESTS
We will acknowledge receipt of your request within 10 days after its receipt. We endeavor to respond to verifiable Consumer Requests to correct inaccurate Personal Information or delete Personal Information within forty-five (45) days after receipt. If we require more time (up to an additional 45 days), then we will inform you of the reason and extension in writing. Any disclosures we provide will cover the 12-month period preceding receipt of the Consumer Request (or longer period if requested and required to be provided under applicable law). If we deny (or cannot comply with) the Consumer Request, we will explain why. For data portability requests, we will select a format to provide your Personal Information that is readily useable and should allow you to transmit the information from one entity to another entity. We do not charge a fee to process or respond to your Consumer Request unless such request is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why and provide you with a cost estimate before completing your request.
CONTACT FOR CONSUMER REQUESTS AND EXERCISE OF CCPA RIGHTS
If you are a California resident and would like to exercise your CCPA rights, change your information, unsubscribe from an email subscription, then please just contact us in one of the following methods:
QUESTIONS OR CONCERNS
You may contact us with questions or concerns about this California Privacy Notice and our information practices by:
FRAUD PREVENTION AND SUSPICIOUS ACTIVITY
The Farm Credit EXPRESS website should never be accessed from a link provided by a third party. It should be accessed directly by typing the site name or URL into the address bar of the web browser or by using a “bookmark” specifically created to access the Farm Credit EXPRESS website.
Farm Credit EXPRESS does not send email messages or make phone calls to request Personal Information such as account numbers, passwords, PIN numbers, Social Security numbers, or other Personal Information. Such requests are of a suspicious nature and should be reported immediately:
Customer Service - Reporting Suspicious Activity
Call (800) 477-9947 to report:
Contact us immediately if you think your Personal Information or one of your Farm Credit EXPRESS accounts or services has been compromised. Have your account information and details about the suspected fraud available when you call.
CHANGES TO THIS CALIFORNIA PRIVACY NOTICE
As Farm Credit EXPRESS continues to improve the services, products and the features we provide, this policy is subject to change.
By using the Farm Credit EXPRESS site and services, you signify your acceptance of this California Privacy Notice. If you do not agree or are not comfortable with any policy described in this California Privacy Notice, your only remedy is to discontinue use of the Farm Credit EXPRESS website. We reserve the right to modify this California Privacy Notice at any time. Your continued use of any portion of the Farm Credit EXPRESS site following notification or posting of such changes, will constitute your acceptance of those changes.
Notice at Collection
This notice explains the categories of Personal Information that we collect about residents of California and the business or commercial purposes for which we use such Personal Information.
Categories of Personal Information that We Collect:
We collect the following categories of Personal Information. We do not sell or share Personal Information, including Sensitive Personal Information.
Why we collect Personal Information and How We Use It
The business and commercial purposes for which we collect and use Personal Information depend on, among other things, our relationship or interaction with a specific California resident. Following are the purposes for which we collect and use Personal Information:
Information Retention
We will keep Personal Information no longer than necessary to fulfill the purposes described in this Notice at Collection. In accordance with our records retention policy, we will destroy Personal Information after we are no longer required to retain it according to specific retention periods. However, in some instances we may need to retain Personal Information beyond a specified retention period due to regulatory requirements or in response to a regulatory audit or other legal matter.
Privacy Policy
Our general business privacy policy is available for review or download by clicking Privacy & Security Policy.