Our Privacy Pledge…
Safeguarding the information you provide to us is a priority for ALL Rabo entities.
You have a choice regarding the disclosure of certain personal information to our affiliates and you can ask us not to disclose that information by opting out of those disclosures by contacting Rabo AgriFinance at the address listed on page 2 , by calling 855-722-7766 or email us at CustomerConnect@raboag.com
, and us
, when used in this notice, means RABO AGRIFINANCE, INC. This notice advises you of certain rights you have under Federal law. When we use the words “you” and “your,” we mean customers who have a continuing relationship with us.
Nonpublic personal information
means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
means a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means ownership sufficient to have control of the company. A list of affiliates may be found within this document.
third party means a company that is not an affiliate of ours.
is a choice that you can make to prevent certain sharing of information.
Information That We Collect
We collect certain nonpublic personal information about you from the following types of sources:
- Information we receive from you on applications or other forms;
- Information about your transactions with us;
- Information about your transactions with our affiliates; and
- Information from a consumer reporting agency.
Information We May Disclose
We may disclose the following types of nonpublic personal information about you:
Transaction and experience information from our account records, such as:
- Address; and
- Types of accounts you hold.
Nonpublic personal information we receive from you on applications or other forms, such as:
- Social security number;
- Assets and liabilities; and
To Whom We May Disclose Such Information
We may disclose the above information to our affiliates that are financial service providers, such as banks, lenders and loan brokers. They may use this information to make marketing solicitations to you about their products and services. You may opt out of the disclosure to our affiliates of nonpublic personal information other than our transactions and experiences with you (i.e. information we receive from you on applications or other forms). You may also elect not to receive marketing solicitations from our affiliates. When you are no longer a customer, we continue to share your information as disclosed in this notice.
You Have the Right to Choose
If you prefer that we limit our disclosure of nonpublic personal information to our affiliates, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law). In such event, however, you may not learn of other opportunities which might be of interest. You may further elect not to receive marketing solicitations from our affiliates which are based upon such information. Please note that if you make this election, we will still call you and send you mail in order to service your existing relationships with us or to provide account related information (and, when doing so, our mailings may include pre-printed marketing materials). You may exercise your right to opt out and your election not to receive such marketing solicitations by contacting Rabo AgriFinance at the address listed below, by calling 855-722-7766 or email us at CustomerConnect@raboag.com
Confidentiality and Security
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with Federal regulations to guard such information.
The USA Patriot Act Disclosure
USA Patriot Act/Identity Theft –Customer Identification Program
Enacted to help the government fight the funding of terrorism and money laundering activities. Federal law requires all financial institutions to obtain, verify and record information that identifies each person who applied for a loan. When you apply for a loan, we will ask your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
The Right to Receive Appraisal Disclosure
If your credit is to be secured by a first lien on a dwelling, we may order an appraisal to determine the property’s value and charge you for this appraisal. We will promptly give you a copy of any appraisal, even if your loan does not close. You can pay for an additional appraisal for your own use at your own cost.