We strive to follow privacy practices that ensure that any information about our customers, customers of our affiliated Farm Credit associations*, our employees, or our vendors, or members of the general public that is collected in the course of our business operations is used only in accordance with the principles and guidelines described below and is appropriately protected.
Types of Information We Collect
In the course of our business, we may collect from you or receive from our affiliated associations* various types of information about you and your transactions with our associations. This information may include information about your use of our websites, information available from public records, market research and credit reports, as well as information you voluntarily provide to us. When you complete an interactive application or form located on the websites of one of our affiliated associations or the website of one of our third party service providers, such as BalanceTrak, that application or form may include personally identifiable information about you, such as, your name, address, e-mail address, social security number, or information about accounts you may have with a Farm Credit association or other financial institutions. This information may be received by us in the course of our normal business operations.
How We Collect or Receive This Information
We will only collect and use your personal information that you voluntarily provide using an inter-active form or e-mail on our websites or the websites of one of our third party service providers, or using a mobile application, or that we may receive about you from our affiliated associations* that do business with you because of our role as the funding bank and primary information services provider to our associations.
If you contact us by e-mail, we preserve the content of your e-mail, your e-mail address, and our response so that we can more efficiently handle any follow-up questions you may have and to meet legal and regulatory requirements.
Usage Data Information / Cookies
We may, from time to time, also collect and analyze anonymous data regarding your usage of our web sites. To the extent that it collects such data, FCBT would automatically gather and store only the following information about your visits to our web sites:
- Internet Protocol (IP) Address
- Uniform Resource Locator (URL)
- Browser type
- Page(s) visited
- Authenticated user name
We use this information to evaluate the usefulness of our sites. Like many other sites, we may utilize standard technologies called "cookies" to collect information about how each of our sites is used. A cookie is a small data text file which a web site stores on your computer's hard drive (if your Web browser permits) that the web site can later retrieve to identify you. Cookies were designed to help a web site recognize a user's browser as a previous visitor and thus save and remember any preferences that may have been set while the user was browsing the site. Cookies can securely store a customer's password, personalize home pages, identify which parts of a site have been visited, etc. A cookie cannot be read by a web site other than the one that set the cookie.
How We Use Your Information
We may use your information to:
- Help you learn about the financial services you're interested in that are available from Farm Credit Bank of Texas’ affiliated associations;
- Help administer and manage your transactions with our affiliated associations;
- Help you apply for a job at Farm Credit Bank of Texas;
- Improve the operation of our websites;
- Enhance the value of our products and services;
- Conduct our internal business operations.
Sharing of Information With Third Parties
Federal or State law or regulations may require us to disclose confidential personal information in certain situations, such as, a request or subpoena from law enforcement agencies or in criminal or civil legal proceedings. We reserve the right to disclose any information when legally required to do so. If we receive a subpoena or similar legal process demanding release of any information about you, we will attempt to notify you (unless we believe we are prohibited from doing so).
In the absence of a subpoena or similar legal process, we do not share confidential personal information with other parties, including government agencies, except to the extent necessary to conduct our business operations, which may require us to share information with our third-party services providers, our participation lending partners, or our primary regulator, the Farm Credit Administration (FCA). We otherwise share confidential personal information only as permitted or required by applicable FCA regulations.
Farm Credit Bank of Texas does not share your information with third party marketers offering their products and services.
Third Party Service Providers
We may contract with third party companies or persons to provide certain services, such as, BalanceTrak, which provides job applicant information collection for us, or Q2, which facilitates certain online banking services through the websites of our affiliated associations. For your protection, we confirm that we have conducted a reasonable investigation of any such third parties from whom information about you is obtained, and on the basis of that investigation, we believe that such third parties are reputable and reliable. Additionally, we have reviewed these service providers’ privacy practices and have determined them to be not materially less stringent than our own.
Links to Third Party Websites
We may provide access to information, products, or services on websites that are owned by other companies ("Third Party Websites"). These Third Party Websites include the websites of our affiliated associations* and non-affiliated third parties. We provide this access through the use of hyperlinks that automatically move you from our websites to the Third Party Website.
While we do our best to provide you with helpful, trustworthy resources, we do not endorse, approve or guarantee information, products, services or recommendations provided at a Third Party Website. We are not responsible for the content or accuracy of any Third Party Website and offer you links to the Third Party Websites on an "As Is" basis. We are not responsible for any loss or damage of any sort resulting from the use of a Third Party Website, or any failure on products or services advertised or provided on a Third Party Website.
Here are some tips to help you tell if you have left this website:
- Instead of our web address, the URL of the linked website appears in the location box (or address field) of your web browser;
- The linked website is shown in a new browser window. The appearance of the link website, including colors and graphic design, is significantly different from our website.
- The linked website or page does not appear in a new browser, but you find one or more of the following:
- The logo of a different company appears in a prominent location on the linked website, along with the words "Powered by," "Brought to you by," or "Provided by."
- The layout and content of the navigation tools on the linked website are different from navigations tools on this website.
- One of the navigation links refers to a description of the company that sponsors the website. It may be titled "About (Third Party's Name)."
- Information in the footer at the bottom of the linked website contains information about a company other than FCBT.
If you have any concerns or complains concerning the links provided on our website, you may contact us using the information provided in the "Contact Us" section of our website at www.farmcreditbank.com.
Securing Your Information
We safeguard your personal information according to established security standards and procedures, and we continually assess new technology for protecting information.
Our websites use Transport Layer Security (TLS) technology. TLS encrypts your information using commonly accepted, industry recognized standards as additional protection against the decoding of that information by anyone other than us. However, despite all reasonable security precautions and processes, such as password protection, encryption technology, and use of firewall technology, no data transmission over the Internet is guaranteed to be 100% secure. While we strive to protect your personal information, we cannot guarantee or warrant the security of any information you transmit to or from our sites, and you do so at your own risk. Once we receive your transmission, we will take commercially reasonable precautions to protect its security on our systems.
Our internal policies for protecting your information are generally based upon recognized industry standards as well as applicable laws and regulations. We educate our employees at least annually on current privacy risks and trends to ensure that we are doing everything possible to protect your data.
To ensure that this website remains secure and available to all users, we will monitor traffic on the site to identify unauthorized attempts to upload or change information on the site or otherwise cause disruption or damage to the site. Such attempts are strictly prohibited and may be punished under the law.
Retention and Disposal
Your information is retained for only as long as is required by our records retention policy or for a period specifically required by law or regulation. It is our policy that any personal information that is no longer required to be retained under our records retention policy is disposed of in a secure manner that prevents loss, theft, misuse, or unauthorized access.
Accessing Your Personal Information
To obtain access to your personal information in the possession of the Farm Credit Bank of Texas, you can contact us by e-mail using the e-mail address in the "Contact Us" section of our website at www.farmcreditbank.com.
Our website is not designed to attract children, and we do not knowingly solicit data from children or knowingly market to children. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.
Changes to this Policy Statement
You may also contact us by phone, at 512-465-0400 or by U.S. mail at P.O. Box 202590, Austin, Texas 78720-2590
*Ag New Mexico, Farm Credit Services, ACA, AgTexas Farm Credit Services, Alabama Ag Credit, ACA, Alabama Farm Credit, ACA, Capital Farm Credit, ACA, Central Texas Farm Credit, ACA, Heritage Land Bank, ACA, Legacy Ag Credit, ACA, Lone Star, ACA, Louisiana Land Bank, ACA, Mississippi Land Bank, ACA, Plains Land Bank FLCA, Southern AgCredit, ACA, and Texas Farm Credit Services, ACA