Effective Date; August 16, 2024
General Provisions and Disclaimer
This privacy policy (as posted on our website at https://www.agheritagefcs.com/privacy-policy and as amended from time to time and effective as of the date posted) (“Policy”) explains how AgHeritage FCS and its affiliates (“we”, “us”, or “our”) collects, use, and share information about you when you use our farmcreditmandan.com website (“Site”), mobile application, and other online services that link to this Policy (collectively, the “Services”). By using the Services, you agree to the collection, use, and sharing of your information as described in this Policy. If you do not agree with our policies and practices, do not use the Services.
This Site has been designed for informational purposes only and does not constitute an offer or solicitation of a loan or any other services provided by AgHeritage FCS. The Services and information provided on this Site are for personal, non-commercial use and display. AgHeritage FCS does not provide financial advice through this Site, since such advice can only be given after a personal interview at which a party’s individual goals and circumstances are discussed. Users are advised not to rely on any information contained in the Site in the process of making a fully informed financial decision. AgHeritage FCS does not, and this Site does not, intend to render financial, tax or legal advice. News, views, opinions, recommendations and other information obtained from sources outside of AgHeritage FCS are believed to be reliable, but we cannot guarantee its accuracy or completeness. All such information is subject to change at any time without notice.
Disclaimer and Limitation of Liability
The accuracy, completeness and timeliness of the information contained on this Site cannot be guaranteed. AgHeritage FCS does not warrant, guarantee or make any representations, or assume any liability with regard to business or personal financial decisions based on the use of the
information in this Site. AgHeritage FCS is not liable for any harm caused by the transmission, through accessing the services or information in this Site, of a computer virus, or other computer code or programming device that might be used to access, delete, damage, disable, disrupt or otherwise impede in any manner, the operation of the Site or of any user’s software, hardware, data or property. The use of this web Site is at your own risk.
Copyrights and Trademarks
Except as may be expressly authorized; no information contained on this Site may be reproduced, transmitted, displayed, distributed, published, or otherwise commercially explored without the prior written consent of AgHeritage FCS. All designated trademarks, service marks or trade names
are the property of AgHeritage FCS, its affiliates and subsidiaries and may not be used or reproduced for any purpose without the express written consent of AgHeritage FCS.
Some areas of this Site permit you to contact us by electronic communication (e-mail). You should be aware that such communication transmitted through the internet may not be completely secure and therefore any personal, private or confidential information you transmit may be accessed by third persons not intended to have access to it. Your use of e-mail to contact us is at your own risk and security of the communication cannot be guaranteed. AgHeritage FCS reserves the right to block the use of this Site by any user who transmits obscene, pornographic, libelous or otherwise
objectionable or illegal material, or who uses it for any unauthorized or unintended purpose. Any such material which is posted by a user may be immediately removed by AgHeritage FCS which reserves exclusive control over this Site and its content.
Hyperlinks to Other Websites
This Site may contain links to other Sites not maintained or controlled by AgHeritage FCS. AgHeritage FCS takes no responsibility for the material, information or content of any Site to which a user may have access through a link on this Site. The fact that another Site may be accessed through a link on this Site is not and should not be taken as an endorsement by AgHeritage FCS of the owner of the Site or of any goods, services or information offered on the linked Site.
Updates and Changes
AgHeritage FCS reserves the right to change or update this Site at any time and to delete from or add material to it as it in its sole discretion deems proper. AgHeritage FCS does not warrant or represent that it will update this Site at any particular time and so some information may be outdated at the time it is viewed by a user.
Personal Information
When you visit this Site, AgHeritage FCS may collect various types of personally identifiable information (“Personal Information”) from you that you send us, such as, but not limited to, name, email address, mailing address, phone number. The Personal Information we may collect also includes information you provide to us on applications and other forms (such as your name, address, social security number, occupation, assets, and income); information about your transactions with us, our affiliates and others; and/or information we receive from consumer reporting agencies (such as your credit history and credit worthiness) and other entities not affiliated with us. We may also obtain your current Internet address, the type of browser software used and the referring Site and/or search engine. We may also track the sections of the Site accessed by you. This information is stored together with like information from all users without knowing your name or any other personal information which could identify you. This information
may be used by AgHeritage FCS to evaluate this Site and to provide better services to people using it. You are not required to provide AgHeritage FCS with any Personal Information unless you choose to do so. However, access to certain information or Services offered on this Site may require Personal Information. Use of such Services online is totally voluntary by the user. You may choose to provide us with Personal Information to receive additional information or services from this Site. AgHeritage FCS will exercise reasonable precautions to maintain the confidentiality of all information provided in connection with your use of this Site.
Cookies
Cookies are small pieces of data that web Sites such as this Site maintained by us send to your computer. These cookies are stored in your hard drive. We use cookies to collect general information, on an anonymous basis, about how this Site is used. (See Personal Information) This general information may be used for marketing and/or research purposes and may be shared by us with our affiliates and unaffiliated parties. You may be able to turn the cookies off in your computer set up. However, if you do it may affect your ability to access this or other web Sites.
Data Retention
In general, our retention of Personal Information is reasonably necessary and proportionate to achieve the purposes for which the Personal Information was collected or processed, or for another disclosed purpose that is compatible with the context in which the Personal Information was
collected, and not further processed in a manner that is incompatible with those purposes. The time period for which we retain your Personal Information depend on the purposes for which we use it. We will retain your Personal Information for as long as your account is active, or as long as you are a registered account holder or user of our Services or for as long as we have another business purpose to do so (such as, but not limited to, for business, tax, or legal purposes) and, thereafter, for no longer than is required or permitted by law, or our records retention policy, reasonably
necessary for internal reporting and reconciliation purposes, or to provide you with feedback or information you might request. This period of retention is subject to our review and alteration. We will also retain Usage Data for analytics purposes. “Usage Data” refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit). Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer time periods. Following termination or deactivation of your user account, we may retain your profile information. Following termination or deactivation of your user account, we may retain your Personal Information and other data, but will maintain it as confidential according to this Policy, and as required by applicable law. We have the right to delete all of your Personal Information and other data after termination of your user account without notice to you.
How We Use Your Personal Information?
We collect Personal Information about you for business purposes, such as evaluating your financial needs, processing your requests and transactions, informing you about products and services which may be of interest to you, and providing customer service. We use reasonable efforts to limit
access to your Personal Information to those AgHeritage FCS employees who need to know in order to conduct our business, service your account, and help you accomplish your financial objectives such as providing you with a broad range of products and services. Our employees are required under Farm Credit policy and guidelines to maintain and protect the confidentiality of your personal information and must follow these (established procedures to comply with Farm Credit policy and rules, we maintain physical, electronic and procedural safeguards to protect your personal
information.
Information Sharing and Affiliates
AgHeritage FCS is made up of several affiliated companies which specialize in different products and services for our members. We may share your Personal Information as described above with our affiliates for business purposes, such as providing services: servicing customer accounts and informing customers about new products and services. AgHeritage FCS does not share or sell any of the information it gathers to third parties unaffiliated with AgHeritage FCS. We may at times disclose such information to our employees, officers, agents or affiliates, as well as any governmental entity, in the conduct of our business to comply with applicable rules, orders, subpoenas or other legal processes, or in order to provide information to a government agency or official requesting such information, or as otherwise permitted by law. For example, if you register to have information mailed to you, the third party handling the mailing will require the release of your name and address which may be considered personal information. The personal information you provide to us on this Site may be protected by other laws and regulations governing privacy not described in this privacy statement.
Security
We have implemented technical, administrative, and organizational security measures designed to protect your Personal Information from loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction. AgHeritage FCS’s Site uses industry-standard Secure Sockets Layer (SSL) technology to allow for the encryption of potentially sensitive information such as your name and address and critically sensitive information such as your social security number or account number. However, no internet or email transmission is ever fully secure or error-free, so you should take special care in deciding what information you send to us.
Anti-Money Laundering Policy
To help the government fight the funding of terrorism and money laundering activities, Federal law requires financial institutions to obtain, verify and record information that identifies each person who applies for a loan. So in addition to the information requested herein, we may also ask to see
your driver’s license or other identifying documents.
Contact Us
If you have a question or would like more information, please contact us using our Contact Form or call (501) 210-4000.
