CCPA PRIVACY POLICY-CALIFORNIA

This PRIVACY NOTICE FOR CALIFORNIA RESIDENTS supplements the information contained in the Fresno Madera Farm Credit (FMFC) Privacy Policy and applies solely to members, borrowers, visitors, users, employees, applicants, contractors and others who are residents of the State of California pursuant to Section 17014 of Title 18 of the California Code of Regulations (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other applicable California privacy laws. Any terms defined in the CCPA have the same meaning when used in this notice.

Information We Collect

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (e.g. desktop or laptop computer, smart phone, or similar device) (“personal information”). In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:

Category	Examples of Information Under this Category	Do We Collect this Information
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, passport number, or other similar identifiers.	Yes, some Personal Information in this category.
B. Personal Information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).	A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport 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. Some personal information included in this category may overlap with other categories.	Yes, some Personal Information in 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).	Yes, some Personal Information in this category.
D. Commercial information.	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	Yes, some Personal Information in this category.
E. Biometric information.	Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.	Yes, some Personal Information in this category. 1
F. Internet or other similar network activity.	Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.	Yes, some Personal Information in this category.
G. Geolocation data.	Physical location or movements.	No, we do not collect Personal Information within this category.
H. Sensory data.	Audio, electronic, visual, thermal, olfactory, or similar information.	No, we do not collect Personal Information within this category.
I. Professional or employment-related information.	Current or past job history or performance evaluations.	Yes, some Personal Information in this category.
J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).	Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.	Yes, we do not collect Personal Information within this category. 2
K. Inferences drawn from other personal information.	Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.	Yes, some Personal Information in this category.

                                                                       

1. Applies solely to members, borrowers, visitors, users and others.

2. Applies solely to employees, applicants, and contractors.

Personal information does not include:

• Publicly available information from government records.

• De-identified or aggregated consumer information.

• Information excluded from the CCPA's scope, like:

• Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
• Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Driver's Privacy Protection Act of 1994.

FMFC obtains the categories of personal information listed above from the following categories of sources:

• Directly from you. For example, from forms, verbal questions and answers, or online submissions that you have completed and provided to us related to the services you inquire about or engage us to perform.

• Indirectly from you. For example, through information we collect from our clients, vendors, or third parties in the course of providing services to you.

• Directly and indirectly from activity on our websites and applications. For example, from submissions through our website portal or website usage details collected automatically.

• From third-party service providers or business partners.

• Publicly available databases.

Use of Personal Information

FMFC may use or disclose the personal information we collect, for either itself or its business partners or associations, for one or more of the following business purposes:

• To fulfill or meet the reason for which the information is provided. For example, if you share your name and contact information while inquiring about our services, requesting information or materials, or ask a question about our products or services, we will use that personal information to respond to your inquiry.

• To provide you with information, products or services that you request from us.

• To create, maintain, customize, and secure your account with us.

• To provide customer service.

• To process your requests, transactions, and payments and prevent transactional fraud.

• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections.

• To improve our website and present its contents to you.

• For testing, research, analysis and product development.

• As necessary or appropriate to protect the rights, property or safety of us, our clients or others.

• To fulfill regulatory reporting and requirements.

• To detect security incidents and protecting against malicious, deceptive, fraudulent or illegal activity.

• To debug to identify and repair errors that impair existing intended functionality.

• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.

• To engage in loan participations or other business needs.

• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of FMFC’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which event personal information held by FMFC is among the assets transferred.

FMFC will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you any required notice.

Sharing Personal Information

FMFC may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we may enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

In the preceding twelve (12) months, we may have disclosed the following categories of personal information for a business purpose:

• Category A – Identifiers.

• Category B – Personal Information categories listed in the California Customer Records Statute (Cal. Civ. Code §1798.80(e)).

• Category C – Protected classification characteristics under California or Federal law.

• Category D – Commercial information.

• Category E – Biometric information. ₁

• Category F – Internet of other similar network activity.

• Category G – Geolocation data.

• Category H – Sensory data.

• Category I – Professional or employee-related information.

• Category J – Non-pubic education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34C.F.R. Part 99). ₂

• Category K – Inferences drawn from other Personal Information.

1. Applies solely to members, borrowers, visitors, users and others.
2. Applies solely to employees, applicants, and contractors.

  

We disclose your personal information for a business purpose to the following categories of third parties:

• Contracts and service providers.

• Legal entities established pursuant to the Farm Credit Act of 1971.

• Funding banks.

• Loan participant entities.

• Third parties to whom we partner to offer products and services to you.

Sales of Personal Information

1. FMFC 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 sell the Personal Information of minors under 16 years of age without affirmative authorization.

Your Rights and Choices

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.

Access to Specific Information and Data Portability Rights

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

• The categories of personal information we collected about you.

• The categories of sources for the personal information we collected about you.

• Our business or commercial purpose for collecting or selling that personal information.*

• The categories of third parties with whom we share that personal information.

• The specific pieces of personal information we collected about you.

• Disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

(*) We do not currently engage in selling personal information.

Deletion Request Rights

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. For validated data deletion requests not subject to exceptions, FMFC will delete your personal information from our system records.  FMFC will also direct our service providers to delete from their records any of your personal information they have received from us, unless an exception or good faith, commercially reasonable business justification applies.

 

We may deny your deletion request if retaining the information is necessary for us or our service providers to:

1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
3. Debug products to identify and repair errors that impair existing intended functionality.
4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.
7. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
8. Comply with a present or potential legal obligation.
9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Opt Out of Sale Request 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. 

FMFC does not sell Personal Information as defined in the CCPA.

Exercising Access, Data Portability, and Deletion Rights

To exercise the access and deletion rights described above, please submit a verifiable consumer request to us by either of the methods below:

CONSUMER	EMPLOYEE
Members, borrowers, visitors, users and others.	Employees, applicants, and contractors.
Toll-free: 1 (877) 363-8637 Email: requests@fmfarmcredit.com Mailing Address: P.O. Box 13069 Fresno, CA 93794-3069	Direct: (559) 277-7000 Toll-free: 1 (877) 363-8637 Ask for Human Resources Email: requests@fmfarmcredit.com Mailing Address: P.O. Box 13069 Fresno, CA 93794-3069

Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.

You may only make a verifiable consumer request for access twice within a 12-month period. The verifiable consumer request must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.

• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot 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. 

Making a verifiable consumer request does not require you to create an account with us. 

We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.

Response Timing and Format

Pursuant to the CCPA we will attempt to respond to a verifiable consumer request within forty five (45) days of its receipt. If we require more time (up to an additional 45 days, for a total of 90 days), we will inform you of the reason and extension period in writing. 

We will deliver our written response by mail or electronically secured mail, at your option. 

Pursuant to the CCPA any disclosures we provide will only cover the twelve (12) month period preceding the verifiable consumer request's receipt. If we deny (or cannot comply with) the Consumer Request, we will explain the reasons we cannot comply with a request, if applicable.

We typically 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.

Non-Discrimination

FMFC will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

• Deny a request for goods or services.

• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.

• Provide you a different level or quality of goods or services.

• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Changes to Our Privacy Notice

We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will notify you through a notice on our website homepage. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.

Contact Information

If you have any questions or comments about this notice, our Privacy Statement, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

CONSUMER	EMPLOYEE
Members, borrowers, visitors, users and others.	Employees, applicants, and contractors.
Toll-free: 1 (877) 363-8637 Email: requests@fmfarmcredit.com Mailing Address: P.O. Box 13069 Fresno, CA 93794-3069	Direct: (559) 277-7000 Toll-free: 1 (877-363-8637 Ask for Human Resources Email: requests@fmfarmcredit.com Mailing Address: P.O. Box 13069 Fresno, CA 93794-3069

Effective Date

This policy became effective January 1, 2020 and last modified on September 1, 2020.