Effective Date: January 1, 2020
Last Revision or Review: May 27, 2022
Termination Date: December 31, 2022
This is the Supplemental Privacy Notice for California Residents (the “California Notice”) of Farm Credit Bank of Texas (“FCBT,” “The Bank,” “we,” or “us”). This supplements the information contained in the Bank’s Privacy Notice and Cookie Notice and applies solely to all visitors, users, and others who reside in the State of California (”consumers” or “you”). We adopt the California Notice to comply with the California Consumer Privacy Act of 2018, as amended (the “CCPA”) and any terms defined in the CCPA have the same meaning when used in this California Notice. In the event that any provisions of the California Notice conflict with other provisions of the Bank’s Privacy Notice, the provisions in the California Notice will control with respect to California residents.
The California Notice does not apply to workforce-related personal information collected from California-based employees, job applicants, contractors, or similar individuals. Where noted in the California Notice, the CCPA temporarily exempts personal information reflecting a written or verbal business-to-business communication (”B2B personal information”) from some of its requirements.
Beginning no later than January 1, 2023, the CCPA provides a permanent, limited exemption for personal information that is collected, processed, or disclosed subject to the Farm Credit Act (the “FCA”). As the Bank is an institution subject to the FCA and the Bank collects the personal information of its customers, borrowers, and website visitors subject to the FCA (including, without limitation, FCA Sections 609 and 618), many of the provisions of the CCPA will not apply to the Bank after December 31, 2022. Therefore, this California Notice will automatically terminate, and all provisions of this California Notice will be ineffective, at the end of the day on December 31, 2022.
For purposes of the California Notice “personal information” or “PI” means “information that 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.” “PI” includes eleven categories of information (the “PI Categories”): (1) identifiers, (2) other personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)), (3) protected classification characteristics under California or federal law, (4) commercial information, (5) internet or other similar network activity, (6) geolocation data, (7) biometric information, (8) sensory data, (9) professional or employment-related information, (10) non-public education information, and (11) inferences drawn from other personal information. As provided by the CCPA, PI does not include publicly available information from government records, deidentified or aggregated consumer information, or certain personal information protected by other sector-specific federal or California statutes.
The Bank collects PI from PI Categories (1), (2), (3), (4), (5), (6), (9) and (11) listed above. We obtain this personal information from the following categories of sources:
We may use or disclose the personal information we collect for one or more of the following purposes:
The Bank will not collect PI from additional PI categories or use the PI collected by the Bank for materially different, unrelated, or incompatible purposes without providing you notice.
The Bank may disclose your personal information to third parties for a business purpose. In the preceding twelve (12) months, the Bank has disclosed personal information for a business purpose to the categories of third parties indicated in the chart below. However, in the preceding twelve (12) months, the Bank has not sold personal information to any third party. The Bank does not and will not sell personal information.
For each of the PI Categories, the chart below indicates
Category |
Collected |
Business Purpose Disclosures |
1. Identifiers, such as
|
YES |
|
2. The California Customer Records statute’s personal information categories, which include both the identifiers listed above and
|
YES |
Same categories listed above |
3. Protected classification characteristics under California or federal law (such as race, national origin, religion, gender, or age (40 years or older)). |
YES |
Same categories listed above |
4. Commercial information (including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies) |
NO |
N/A |
5. Internet or other similar network activity including
|
YES |
|
6. Geolocation data (such as physical location or movements) |
YES |
|
7. Biometric information including genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as
|
NO |
N/A |
8. Sensory data including audio, electronic, visual, thermal, olfactory, or similar information. |
NO |
N/A |
9. Professional or employment-related information. |
YES |
|
10. Non-publicly available educational information (as defined under the Family Educational Rights and Privacy Act and related regulations (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). |
NO |
N/A |
11. Inferences drawn from other personal information to create consumer profiles reflecting:
|
NO |
N/A |
The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
You have the right to request that we disclose certain information to you about our collection and use of your personal information (the “right to know”) over the past 12 months. Once we receive and confirm your identity (see Exercising Your Rights to Know or Delete), we will disclose to you:
The above access and data portability rights do not apply to B2B personal information.
You have the right to request that we delete any of your personal information that we collected and retained, subject to certain exceptions (the “right to delete”). Once we receive and confirm your identity (see Exercising Your Rights to Know or Delete), we will review your request to see if an exception allowing us to retain the information applies. We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
The above deletion rights do not apply to B2B personal information.
To exercise your rights to know or delete described above, please submit a request by either:
Calling us at 512-483-9249
Emailing us at privacy@FarmCreditBank.com
Using this webform
Only you, or someone legally authorized to act on your behalf, may make a request to know or delete related to your personal information. To designate an authorized agent you must provide the authorized agent written, signed permission to make the verifiable consumer request on your behalf. Additionally, before we will provide specific pieces of Personal Information to an agent, you must verify your identity directly with us and confirm (directly with us) that you have given the agent permission to submit the request for specific pieces of information. Alternatively, an authorized agent may make a verifiable consumer request based upon a power of attorney pursuant to California Probate Code sections 4000 to 4465. We may deny a request from an agent if these requirements are not met.
You may only submit a request to know twice within a 12-month period. Your request to know or delete must:
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.
We will only use personal information provided in the request to verify the requestor’s identity or authority to make the request.
We will confirm receipt of your request within ten (10) business days. If you do not receive confirmation within the 10-day timeframe, please contact privacy@FarmCreditBank.com
We endeavor to substantively respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 45 additional days), we will inform you of the reason and extension period in writing.
If you have an account with us, we will deliver our written response to that account if possible. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.
Any disclosures we provide will only cover the 12-month period preceding our receipt of you request. The response we provide will also explain the reasons we cannot comply with a request, if applicable. 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 without hindrance.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
However, we may offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels. Any CCPA-permitted financial incentive we offer will reasonably relate to your personal information’s value and contain written terms that describe the program’s material aspects. Participation in a financial incentive program requires your prior opt in consent, which you may revoke at any time. We do not currently provide financial incentives.
California’s “Shine the Light” law (Civil Code Section § 1798.83) permits users of our Website that 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, please send an email to privacy@FarmCreditBank.com or a letter to Farm Credit Bank of Texas, Attention: Privacy Office, P.O. Box 202590, Austin, TX 78720-2590.
We reserve the right to amend this Supplemental Privacy Notice for California Residents at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on the Website and update the notice’s effective date. Your continued use of our Websites or services following the posting of changes constitutes your acceptance of such changes.
If you have any questions or comments about this notice, the ways in which the Bank collects and uses your information described here, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:
Farm Credit Bank of Texas
HEADQUARTERS
4801 Plaza on the Lake Drive
Austin, TX 78731
MAILING ADDRESS
P.O. Box 202590
Austin, TX 78720-2590
Attention: Privacy Officer
Email: privacy@FarmCreditBank.com
Phone: (512) 465-0400
If you need to access the California Notice in an alternative format due to having a disability, please contact privacy@FarmCreditBank.com or call (512) 465-0400.