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Submission: On November 02 via manual (November 2nd 2023, 12:37:56 am UTC) from GB — Scanned from GB

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PRIVACY STATEMENT

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Home / Privacy Statement

WE VALUE YOUR PRIVACY

Read our privacy statement to learn more

Download Privacy Statement

Last updated: April 11, 2023

This Privacy Statement applies to:

* AgWest Farm Credit, ACA, and our subsidiaries, including AgWest Farm Credit,
FLCA and AgWest Farm Credit, PCA (“AgWest Farm Credit,” “we,” “us,” “our”).
* AgWest Farm Credit’s online properties, including our websites, and websites
or mobile applications that link to it, and our social media pages or
handles.
* AgWest Farm Credit’s products and services (collectively with the above,
“Services”).

This Privacy Statement explains generally how we

* Collect your personal information,
* Use of your personal information,
* With whom we might share it, and
* Your rights and choices regarding your personal information.

INFORMATION COLLECTION

Information provided by you

You may provide the following information to us directly for our various
lending, insurance and online products and services:

* Contact and professional information, including name, address, email address,
telephone number.
* Demographic information.
* Financial account information, including bank statements, income tax returns,
and other loan account information, including schedule of assets and
liabilities, proof of income.
* Payment information.
* Content you may include in survey responses.
* Information contained in your communications to us, including call recordings
of customer service calls.
* Information you make available to us via a social media platform.
* Any information or data you provide by interacting in our online forums and
chatrooms, or by commenting on content posted on our Services. Please note
that these comments are also visible to other users of our Services.
* Information typically collected in consideration of lending products and
services, such as government issued identification, social security number or
Tax ID number, date of birth, marital status, education records and
employment information and history.
* Website usage and technical information.
* Any other information you submit to us.

Information Collected in our Offices

AgWest Farm Credit also collects the personal information you disclose in our
branch offices. This personal information will vary depending on the service you
are requesting that we provide. In addition to electronic protections, your
information on paper is safeguarded through our internal handling procedures.

Information Provided by Third Parties

We may collect the following information about you from third-party sources.

* Contact information, demographic information, and information about your
interests.
* Information about your credit history from credit reporting agencies.
* Information about your interests, activities, and employment history from
social networks and other places where you choose to share information
publicly.
* If you decide to invite others to the Services, we will collect your and the
other person’s names, email addresses, and/or phone numbers to send an email
or text message and follow up with the other person. You agree that you will
obtain the other person’s consent before giving us his or her contact
information. You also agree that you will not send us the contact information
of a minor. We will inform any other person you invite that you gave us his
or her information in the invitation email.

Cookies and Similar Technologies

We and partners working on our behalf may use log files, cookies, or other
digital tracking technologies to collect the following information from the
device you use to interact with our Services. We also create records when you
interact with the Services.

* Device information, including IP address, device identifiers, and details
about your web browser.
* Analytical information, including details about your interaction with our
website, app, and electronic newsletters.
* Diagnostic information, including web traffic logs.
* Advertising information, including special advertising and other unique
identifiers that enable us or third parties working on our behalf to target
advertisements to you. Please be aware that our advertising partners may
collect information about you when you visit third-party websites or use
third-party apps. They may use that information to better target
advertisements to you on our behalf.
* Business record information, including records of your use of products and
services.

The following is a list of our partners who collect the information described
above. Please follow the links to find out more information about the partner’s
privacy practices.

PartnerInformation Type CollectedFacebook Analytical Information Instagram
Analytical Information LinkedIn Analytical Information Twitter Analytical
Information Google Analytics Device, Analytical, and Diagnostic Information
hotjar Analytical Information Formstack Customer Interaction Vimeo Analytical
Information Q2 Analytical Information Salesforce Analytical Information

Browser "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.

Children's Online Privacy Protection Act

The Services are intended for users age thirteen and older. We do not knowingly
collect information from children. If we discover that we have inadvertently
collected information from anyone younger than the age of 13, we will delete
that information. Please contact us with any concerns.

HOW WE USE YOUR INFORMATION

We may use any of the information we collect for the following purposes.

* Service functionality: To provide you with our products and services,
including to take steps to process, close and service loan transactions,
process payments, send Service communications (including renewal reminders),
and conduct general business operations, such as accounting, recordkeeping,
and audits.
* Service improvement: To improve and grow our Services, including to develop
new products and services and understand how our Services are being used, our
customer base and transaction trends, and the effectiveness of our marketing.
* Personalization: To offer you recommendations and tailor the Services to your
preferences.
* Advertising and marketing: To send you marketing communications, personalize
the advertisements you see on our Services and third-party online properties,
and measure the effectiveness of our advertising. We may share your
information with business partners, online advertising partners, and social
media platforms for this purpose.
* Security: To protect and secure our Services, assets, network, and business
operations, and to detect, investigate, and prevent activities that may
violate our policies or be fraudulent or illegal.
* Legal compliance: To comply with legal process, such as warrants, subpoenas,
court orders, and lawful regulatory or law enforcement requests and to comply
with applicable legal requirements.

HOW WE SHARE YOUR INFORMATION

We may share any of the information we collect with the following recipients.

* Affiliates: We share information with our Farm Credit System affiliates and
other Farm Credit System institutions pursuant the Farm Credit Act of 1971,
as amended and the implementing regulations.
* Service providers: We engage vendors to perform specific business functions
on our behalf, and they may receive information about you from us or collect
it directly. These vendors are obligated by contract to use information that
we share only for the purpose of providing these business functions, which
include:
* Supporting Service functionality, such as vendors that support event
registration, customer service and customer relationship management,
subscription fulfillment, freight services, application development, list
cleansing, postal mailings, and communications (email, fax).
* Auditing and accounting firms, such as firms that assist us in the creation
of our financial records.
* Professional services consultants, such as firms that perform analytics,
assist with improving our business, provide legal services, or supply
project-based resources and assistance.
* Analytics and marketing services, including entities that analyze traffic
on our online properties and assist with identifying and communicating with
potential customers.
* Security vendors, such as entities that assist with security incident
verification and response, service notifications, and fraud prevention.
* Information technology vendors, such as entities that assist with website
design, hosting and maintenance, data and software storage, and network
operation.
* Marketing vendors, such as entities that support distribution of marketing
emails.
* Business partners: From time to time, we may share your contact information
with other organizations for business purposes.
* Online advertising vendors: We work with companies that assist us in
advertising our Services, including vendors that use cookies and online
tracking technologies to collect information to personalize, retarget, and
measure the effectiveness of advertising.
* Social media platforms: If you interact with us on social media platforms,
the platform may be able to collect information about you and your
interaction with us. If you interact with social media objects on our
Services (for example, by clicking on a Facebook “like” button), both the
platform and your connections on the platform may be able to view that
activity. To control this sharing of information, please review the privacy
statement of the relevant social media platform.
* Government entities/Law enforcement: We may share information when we believe
in good faith that we are lawfully authorized or required to do so to respond
to lawful subpoenas, warrants, court orders, or other regulatory or law
enforcement requests, or where necessary to protect our property or rights or
the safety of our employees, our customers, or other individuals.
* Other businesses in the context of a commercial transaction: We may change
our ownership or corporate organization while providing the Services. We may
transfer to another entity or its affiliates or service providers some or all
information about you in connection with, or during negotiations of, any
merger, acquisition, sale of assets or any line of business, change in
ownership control, or financing transaction. We cannot promise that an
acquiring party or the merged entity will have the same privacy practices or
treat your information as described in this statement.

YOUR CHOICES ABOUT YOUR PERSONAL INFORMATION

Your Personal Information: You have the right to correct and change the
personal information that is stored in our systems for you if such change or
correction does not conflict with a legitimate business need. Please contact us
by calling Customer Care at 1-800-743-2125, or you may also visit our nearby
offices.

Email Unsubscribe: If you do not wish to receive marketing information from us
or wish to opt out of future email promotions from us, please note that all
promotional email messages you receive from us will include an option to opt out
of future email communications.

Ad Choices: You have options to limit the information that we and our partners
collect for online advertising purposes.

* You may disable cookies in your browser or mobile device using their settings
menus. Because we use cookies to support Service functionality, disabling
cookies may also disable some elements of our online properties.
* You may contact us directly.

LINKS TO THIRD-PARTY WEBSITES

This Privacy Statement applies when you interact with us through our Services.
It also applies anywhere it is linked. It does not apply to third-party
websites, mobile applications, or services that may link to the Services or be
linked to from the Services. Please review the privacy policies on those
websites and applications directly to understand their privacy practices.

SECURITY SAFEGUARDS

AgWest Farm Credit is committed to the security of your personal and financial
information. We use industry standard physical, technical and administrative
security measures and safeguards to protect the confidentiality and security of
your personal information. However, because the Internet is not a 100% secure
environment, it is your responsibility to protect the security of your personal
information on your own devices and social media sites.

AgWest Farm Credit believes that data security is a partnership. Tips for our
customers to help keep personal information safe include:

* Keep your equipment and software updated and using anti-virus and
anti-spyware software
* When you have completed your online session, be sure to log out and close
browser
* Be cautious when using public Wi-Fi networks, particular to your financial
accounts or email accounts, as public Wi-Fi can easily be compromised and
your information stolen.
* Use strong login credentials and passwords
* Send sensitive information via encrypted channels
* Remove all personal information from your mobile devices and portable drives
when this information is no longer required for you to use your device

Data Retention
We may store information about you for as long as we have a legitimate business
need for it.

FRAUD PREVENTION

The AgWest Farm Credit 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 AgWest Farm Credit website.

AgWest Farm Credit does not send email messages to request personal information
such as account numbers, passwords, PIN numbers or other confidential
information. Such requests are of a suspicious nature and should be reported
immediately.

Customer Care - Reporting Suspicious Activity Call 1-800-743-2125 to report:

* Suspicious or unauthorized transactions on your account
* Suspicious activity with online banking
* Suspicious email received

Contact us immediately if you think your personal information or one of your
AgWest Farm Credit accounts or services has been compromised. Have your account
information and details about the suspected fraud available when you call.

CALIFORNIA

Your California Privacy Rights; “Shine the Light” Law
We do not share your personal information with third parties for their own
direct marketing purposes.

California Privacy Act - California Residents Only

The California Consumer Privacy Act (“CCPA”), as amended by the California
Privacy Rights Act (“CPRA”), provides California residents with rights to
receive certain disclosures regarding the collection, use, and disclosure of
information about them, as well as rights to know/access, delete, and limit
disclosure of personal information. You have the right to be free from
discrimination based on your exercise of your CCPA/CPRA rights. To the extent
that we collect personal information that is subject to the CCPA/CPRA, that
information, our practices, and your rights are described below.

Notice at Collection Regarding the Categories of Personal Information Collected

You have the right to receive notice of the categories of personal information
we collect and the purposes for which we use personal information. The following
table summarizes the categories of personal and sensitive information we have
collected in the preceding 12 months and the categories of sources of that
information. We do not sell or share your information. The categories we use to
describe personal information are those enumerated in the CCPA/CPRA. We collect
this personal information for the purposes described above in “how we use your
information.” We retain this information in compliance with our records
retention policies and for as long as needed based on the purpose(s) for which
it was obtained and consistent with relevant state and federal laws and
regulations. The criteria used to determine our retention periods include: the
length of time we have an ongoing relationship with you and provide you with the
products and services you request; whether there is a legal obligation we are
subject to (such as records retention laws and regulations); if there is a
contractual obligation we are subject to; or whether retention is advisable in
light of our legal situation (such as any applicable statute of limitation,
litigation or regulatory proceeding or investigation).

CategoryInformation TypeSourceWe disclose to:Identifiers (inclusive of sensitive
personal information as defined under California law)
* Contact information or personal characteristics (name; email address; postal
address; telephone number; unique personal identifiers; driver’s license
number; social security number; passport number; insurance policy number;
signature)
* Social media handles

You; our social media pages; third party subscription service providers Service
Providers Financial Information
* Bank account information
* Credit information

You Service Providers Protected Classifications and Other Sensitive Data
* Date of Birth
* Gender
* Race
* Color ancestry
* National origin
* Citizenship
* Marital status
* Veteran or military status

You Service Providers Commercial Information
* Transaction information
* Billing and payment records

YouService Providers Biometric Information
* Fingerprint
* Voiceprint
* Facial recognition
* Eye recognition

YouService Providers Geolocation Information
* Precise (information that describes location with more precision than ZIP
code, e.g., GPS data)
* Coarse (information that describes location at ZIP code-level or less
precision)

You; our analytics and advertising partners Service Providers Internet or
Electronic Network Activity Information
* IP address
* Device identifier (e.g., MAC)
* Advertising identifier (e.g., IDFA, AAID)
* Information provided in URL string (e.g., search keywords)
* Cookie or tracking pixel information
* Information about your interaction with our website, app, email
correspondence, or products
* Browsing history
* Search history
* Diagnostic information (e.g., crash logs, performance data)

You; our analytics and advertising partners Service Providers Audio, Electronic,
Visual, Thermal, Olfactory, or Similar Information
* Call recordings
* Photographs
* Video

You Service Providers Professional or Employment-Related Information
* Current employer
* Job title

You Service Providers Education Information
* Education history
* Level of education

YouService Providers Inferences Drawn About You
* User profile reflecting preferences, characteristics, psychological trends,
predispositions, behavior, attitudes, intelligence, abilities, and aptitudes

You; our analytics and advertising partners Service Providers Content of
Communications
* Contents of phone calls, emails, or text messages
* Photos

YouService Providers Contacts
* List of contacts that you supply to us
* List of contacts we collect from your device with your permission

YouService Providers

Sharing Personal Information

Entities to whom we disclose information for business purposes are service
providers, which are companies that we engage to conduct activities on our
behalf. We restrict service providers from using personal information for any
purpose that is not related to our engagement.

Entities to whom we “sell” or with whom we “share” personal information
are third parties. Under the CCPA/CPRA, a business “sells” personal information
when it discloses personal information to a company for monetary or other
benefit and “shares” personal information when it discloses such information for
purposes of cross-contextual behavioral advertising. A company may be considered
a third party either because we disclose personal information to the company for
something other than an enumerated business purpose under California law, or
because its contract does not restrict it from using personal information for
purposes unrelated to the service it provides to us.

Children Under the Age of 16

Our website does not target consumers under 16 years of age. We do not knowingly
collect, sell or share the personal information of consumers under 16 years of
age.

California Resident Rights and Options

* Opt out of sale of personal information: We do not sell your personal
information or share your personal information for cross-contextual
behavioral advertising.
* Sensitive Personal Information: We only use sensitive personal information
for the following purposes: to perform the services or provide the goods
requested by you; to detect security incidents; to resist malicious,
deceptive, fraudulent or illegal actions directed at us; to ensure the
physical safety of natural persons; for short-term transient use, including
non-personalized advertising; to maintain or service accounts, provide
customer service, process or fulfill orders or transactions; verify your
information; process payments, provide analytic services, or provide storage
on our behalf; for employment and diversity purposes; or to verify or
maintain the quality or safety of a service or device owned or controlled by
us.
* Know and request access to and correction and deletion of personal
information: You have the right to request access to personal information
collected about you and information regarding the source of that personal
information, the purposes for which we collect it, and the third parties and
service providers with to whom we sell or disclose it. You also have the
right to request in certain circumstances that we delete personal information
that we have collected directly from you or correct inaccuracies in personal
information we have collected about you. Please contact us to exercise these
rights.

CHANGES TO THIS PRIVACY STATEMENT

We continue to monitor, review and update the privacy measures and technology
that we have in place to protect your information. We reserve the right to
revise this Privacy Statement at any time, and you should check the Privacy
Statement periodically. We will post the revised statement here and you can find
the effective date at the top of this Privacy Statement.

HOW TO CONTACT US

Please direct questions or comments about this statement, or any of the rights
afforded by the CCPA/CPRA under California law to AgWest Farm
Credit. Additionally, if you wish to exercise any of these rights, please
contact AgWest Farm Credit at:

Phone: 866-552-9172 (choose option 2).
Email: customercare@agwestfc.com

Address:
AgWest Farm Credit
Attention: Customer Care
2001 S. Flint Road
Spokane, Washington 99224

Making a request to exercise your rights

Submitting requests: You may request to exercise your rights by submitting the
form on this page or making a request using the contact information above.

If you are a California resident, you may authorize another individual or a
business registered with the California Secretary of State, called an authorized
agent, to make requests on your behalf. You have a right not to be discriminated
against by us for exercising the privacy rights conferred by the CCPA/CPRA,
including an employee’s, applicant’s or independent contractor’s right not to be
retaliated against for the exercise of their CCPA/CPRA rights.

We may have a reason under the law why we do not have to comply with your
request, or why we may comply with it in a more limited way than you
anticipated. If we do, we will explain that to you in our response.

CCPA Request Form

Verification: We must verify your identity before responding to your request. We
verify your identity by asking you to provide personal identifiers that we can
match against information we may have collected from you previously. We may need
to follow up with you to request more information to verify identity.

We will not use personal information we collect in connection with verifying or
responding to your request for any purpose other than responding to your
request.

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