Effective Date: 1-1-2020
Thank you for visiting the Farm Credit EXPRESS website and reading our Privacy Notice. 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 Privacy Notice is designed to assist you in understanding how we collect, use, and safeguard the information you provide 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.
Farm Credit EXPRESS collects certain types of information through authorized dealerships to connect loan applicants with one or more Farm Credit System institutional lenders. 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 ("Personal Information").
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)).
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 the authorized dealership assisting with your loan application, 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.
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.
In order to accomplish the purpose of your loan application, we must disclose the Personal Information you provide to us to a Farm Credit System lending institution to complete and evaluate the loan application.
To allow for your application to be completed and evaluated and to comply with applicable Federal regulatory requirements, we share your Personal Information with the following categories of third parties: Service Providers (such as technology service providers and financial service providers); regulatory bodies; and loan participants.
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:
Sales of Personal Information.
Farm Credit EXPRESS does not sell any categories of Personal Information to any Third Parties (as defined under California Civil Code section 1798.140) and has not sold any Personal Information in the preceding twelve (12) months.
We do not knowingly collect or sell Personal Information of minors under 16 years of age.
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 links for you to access the log-in screen for Farm Credit EXPRESS web portal for authorized dealers and the Whistleblower Hotline. Both links would direct you to entities that have overlapping business purposes with Farm Credit EXPRESS.
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.
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.
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.
The California Consumer Privacy Act ("CCPA") provides California residents with specific rights regarding their Personal Information. 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:
Category |
Examples of PI in this category |
Is this PI is collected |
---|---|---|
A. Identifiers |
A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, government issued identification number, or other similar identifiers. |
We collect some Personal Information within this category. |
B. Personal information categories listed in the Ca. Customer Records statute (Cal. Civ. Code section 1798.80(e)) |
A name, signature, Social Security number, physical characteristics or description, address ,telephone number, government issued identification number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number or any other financial information, medical information or health insurance information. |
We collect some Personal Information within this category. |
C. Protected classification characteristics under California or federal law |
Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). |
We collect some Personal Information within this category. |
D. Commercial information |
Records of personal property, products or services purchased, obtained or considered, or other purchasing or consuming histories or tendencies. |
We collect some Personal Information within this category. |
F. Internet or other similar network activity |
Browsing history, search history, information on a consumer's interaction with a website, application or advertisement. |
We collect some Personal Information within this category. |
G. Geolocation data |
Physical location. |
We collect some Personal Information within this category. |
I. Professional or employment-related information |
Current or past job history, or performance evaluations. |
We may collect some Personal Information within this category. |
K. Inferences drawn from other personal information |
Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. |
We collect some Personal Information within this category. |
Categories of Third Parties with whom Personal Information is Shared
Categories of Sources from which Personal Information is Collected
Business purpose for collecting the Personal Information
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:
Opt-Out of Sale Rights
California residents have the right to direct a business that sells (or may in the future sell) your Personal Information to stop selling your Personal Information and to refrain from doing so in the future. Farm Credit EXPRESS does not and will not sell Personal Information as defined in the CCPA.
Non-Discrimination
We will not discriminate against you for exercising any of your legal rights regarding your Personal Information, unless permitted by law. We will not take any of the following actions solely because you chose to exercise any of your legal rights regarding your Personal Information:
Other California Privacy Rights
California's "Shine the Light" law (Civil Code § 1798.83) permits users of our website who are California residents to request certain information regarding our disclosure of Personal Information to third parties for their direct marketing purposes. To make such a request, use the contact information set forth below for general inquiries and requests. Farm Credit EXPRESS does not disclose Personal Information to third parties for direct marketing purposes.
To exercise your access, data portability, 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. You may only make a Consumer Request for access or data portability twice within a twelve (12) month period.
Only you, 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 power of attorney documentation) or written permission and you will need to verify your own identity with us.
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.
We will acknowledge receipt of your request within 10 days after its receipt. We endeavor to respond to verifiable Consumer Requests 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 only cover the 12-month period preceding receipt of the Consumer Request. 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.
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.
If you provided us with Personal Information and would like to exercise your access, data portability, deletion, or other disclosure rights, change your information, or unsubscribe from an email subscription, then please just contact us in one of the following methods:
Email: privacy@farmcreditexpress.com
Telephone: (800) 477-9947
Mail: 15 Eby Chiques Rd., Mount Joy, PA 17552
Attn: Farm Credit EXPRESS Processing Manager
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 Privacy Notice. If you do not agree or are not comfortable with any policy described in this Privacy Notice, your only remedy is to discontinue use of the Farm Credit EXPRESS website. We reserve the right to modify this 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.