Online Banking Agreement & Security Information

Online Banking Agreement & Security Information

  • Security Information
    • Yosemite Farm Credit is dedicated to protecting your privacy and information.
    • This Online Banking System utilizes a comprehensive security strategy to protect accounts and transaction. Read the Online Banking Agreement, below, for more details.
  • Online Banking Agreement and Disclosures
    • Online Banking Agreement and Disclosures FOR NON-CONSUMER ACCOUNTS
    • For the Consumer Accounts Agreement, see the following section below.
    • This Online Banking Agreement and Disclosures for Non-Consumer Accounts and the General Online Banking Terms and Conditions for Non-Consumer and Consumer Accounts (collectively, the “Online Banking Agreement” or the “Agreement”), which includes the Online Banking Enrollment Form, is a contract establishing the rules that cover your electronic access to your Non-Consumer accounts at Yosemite Farm Credit through Yosemite Farm Credit’s Online Banking System (The “SYSTEM”). By using the SYSTEM, or by permitting another to use the SYSTEM on your behalf, you acknowledge receipt of this Agreement and agree to be bound by all terms and conditions of this Agreement and all applicable terms and conditions contained in our other agreements between you and Yosemite Farm Credit governing accounts accessible in connection with the SYSTEM. Please read the Agreement carefully and retain a copy for your records. The terms and conditions of the other agreements and disclosures for each of your Yosemite Farm Credit accounts continue to apply notwithstanding anything to the contrary in this Agreement. This Agreement is also subject to applicable federal and state laws (except to the extent this Agreement can and does vary such rules or laws). If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. The headings in this Agreement are for convenience or reference only and will not govern the interpretation of the provisions. Any waiver (express or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other subsequent default or breach. You may not assign or transfer this Agreement. This Agreement is binding upon Yosemite Farm Credit and you, and your respective heirs, executors, successors, and administrators, and is also enforceable by Yosemite Farm Credit’s successors and assigns. Certain of the obligations of the parties pursuant to this Agreement that by their nature would continue beyond the termination, cancellation or expiration of this Agreement shall survive termination, cancellation or expiration of this Agreement. This Agreement, together with the Online Banking Enrollment Form, constitutes the entire agreement between you and Yosemite Farm Credit with respect to the subject matter hereof and there are no understandings or agreements relative hereto which are not fully expressed herein.
    • Definitions – As used in this Agreement, the words “we,” “our,” “us” and “Yosemite Farm Credit” mean Yosemite Farm Credit, ACA, Yosemite Lank Bank, FLCA and Yosemite Production Credit, PCA. “You” and “your” refer to the account holder authorized by Yosemite Farm Credit to use the SYSTEM under this Agreement and anyone else authorize by the account holder to exercise control over the account holder’s funds through the SYSTEM. “Account” or “accounts” means your loans and other accounts at Yosemite Farm Credit (excluding Consumer Accounts). “Electronic funds transfers” means pre-authorized transactions and transfers to and from your Yosemite Farm Credit accounts using the SYSTEM. “SYSTEM Services” means the services provided pursuant to this Agreement. “Business Day” means Monday through Friday. Holidays are not included. “Consumer Account” means a Yosemite Farm Credit, Yosemite Land Bank, FLCA or Yosemite Production Credit, PCA Account established primarily for personal, family, or household purposes. “Non-Consumer Account” means a Yosemite Farm Credit, Yosemite Land Bank, FLCA or Yosemite Production Credit, PCA Account established primarily or a business purpose or any other purpose other than a personal, family, or household purpose.
    • Limits on Amounts and Frequency of SYSTEM Transactions
      • There is no limit on the number of transfers from your Yosemite Farm Credit accounts. There are limits on the amounts that may be transferred which is the applicable line of credit limit or available balance limit. If a hold has been placed upon a trust fund or other account for a future payment upon a trust fund or other account for a future payment or other purposed from which you wish to transfer funds, the transfer may be cancelled or modified by Yosemite Farm Credit at our discretion, with or without notice to you.
    • Account Access – You may use your account to:
      • Withdraw cash from your account.
      • Make deposits to our account.
      • Transfer funds between your accounts whenever your request.
    • Fees and Charges – You are responsible for telephone and Internet service fees incurred in connection with your use of the SYSTEM from your telephone company and/or Internet Service Provider. Yosemite Farm Credit does not currently charge any fees, but reserves the right to do so at any time. In the event fees and/or other charges are imposed for your use of SYSTEM Services, you agree to pay the fees and charges upon notice from us. In addition, you agree that all such fees and charges may be deducted from your Yosemite Farm Credit loan Account or other Account or paid in advance to Yosemite Farm Credit. If you close your Primary Loan Account, you must contact us immediately to designate another account as your Primary Loan Account. You also agree to pay additional reasonable charges for services you request not covered by this Agreement.
    • Documentation – Periodic statements – You will not receive a separate SYSTEM statement. Transfers to and from your Accounts using the SYSTEM will appear on the respective periodic statements for your Accounts.
    • Authorized and Unauthorized Transfers – You are responsible for all transfers and payments from any of your accounts, both authorized and unauthorized, including but not limited to the following:
      • You are responsible for all transfers and payments you initiate and authorize using the SYSTEM.
      • If you permit other persons to use the SYSTEM and your password, you are responsible for any transactions they authorize from any of your accounts.
      • If your password is lost, stolen, used without your authorization or otherwise compromised, or if someone has otherwise transferred money from your accounts without your permission, you are responsible for any transactions they authorize or otherwise carry out from any of your accounts.
    • Contact in Event of Unauthorized Transfer – CONTACT US AT ONCE if you believe your password has been lost, stolen, used without your authorization, or otherwise compromised, or if someone has transferred or may transfer money from your accounts without your permission. An immediate telephone call to us at 1-866-836-1838 is the best way to reduce any possible losses. You could lose all the money in your line of credit or any other account.
    • You must also notify Yosemite Farm Credit immediately, in accordance with its established procedures, if you discover any unauthorized electronic funds transfer, or have reason to believe that such a transfer has, or will, be made, or if you desire to cancel or amend a previous transfer request or designation of an authorized representative. You shall remain liable for any funds transfer request processed prior to the time at which Yosemite Farm Credit is able to prevent such additional transfers, whether or not such notice is given. You also agree to promptly review any and all statements issued by Yosemite Farm Credit and to immediately notify Yosemite Farm Credit of all discrepancies appearing on such statements.
    • In Case of Errors or Questions about Your Electronic Transfers – In case of errors or questions about your electronic transfers, if you think your statement is wrong, or if you need more information about a transfer listed on your statement, immediately telephone us at 1-866-837-1838 or write us at Yosemite Farm Credit, P.O. Box 3278, Turlock, CA 95381 or e-mail us at yfconlinebanking@yfc.ag. When you contact us: (1) Tell us your name and loan account number; (2) Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error, or why you need more information; (3) Tell us the dollar amount of the suspected error. If you contact us by telephone or by email, we may require that you send us your complaint or question in the form of paper writing by postal mail or fax within a specified number of days. We will communicate the results of our investigation to you as soon as we are able, after you contact us, and will correct any error if we conclude an error was made. If we decide that there was no error, and had made a provisional credit prior to our decision, a corresponding debit will be made from your account.
    • Preauthorized Payments – Stop Payment Procedures – If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here’s how:
    • Call us at 1-866-837-1838, or write us at Yosemite Farm Credit, P.O. Box 3278, Turlock, CA, 95381, in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within a specified number of days after you call.
    • No Liability for Failure to Stop Payment – As described more fully in the paragraph entitled “Disclaimer of Warranty and Limitation of Liability” and other sections of this Agreement, we do not guarantee that the System will be error free and we are not liable for your losses or damages if we fail, for any reason, to stop a preauthorized payment, even if you had requested we stop the payment before the payment was scheduled to be made.
    • Disclosure of Account Information and Transfers – We will disclose information to third parties about your account or the transactions you make:
      • Where it is necessary for completing transfers, or
      • In order to verify the existence and condition of your account for a third party, such as a credit bureau, or for a merchant in relation to transactions that you originate in the SYSTEM, or
      • In order to comply with government agency or court orders, or
      • If you give us your written permission
    • Online Banking Agreement and Disclosures FOR CONSUMER ACCOUNTS
    • For the Non-Consumer Accounts Agreement, see the section above.
    • This Online Banking Agreement and Disclosures for Consumer Accounts (including the Regulation E Disclosure) and the General Online Banking Terms and Conditions for Non-Consumer and Consumer Accounts (collectively, the “Online Banking Agreement” or “Agreement”), which includes the Online Banking Enrollment Form, is a contract establishing the rules that cover your electronic access to your Consumer accounts at Yosemite Farm Credit through Yosemite Farm Credit’s Online Banking System (the “SYSTEM”). By using the SYSTEM, or by permitting another to use the SYSTEM on your behalf, you acknowledge receipt of this Agreement and agree to be bound by all terms and conditions of this Agreement and all applicable terms and conditions contained in our other agreements between you and Yosemite Farm Credit governing accounts accessible in connection with the SYSTEM. Please read the Agreement carefully and retain a copy for your records. The terms and conditions of the other agreements and disclosures for each of your Yosemite Farm Credit accounts continue to apply notwithstanding anything to the contrary in this Agreement. This Agreement is also subject to applicable federal and state laws (except to the extent this Agreement can and does vary such rules or laws). If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. The headings in this Agreement are for convenience or reference only and will not govern the interpretation of the provisions. Any waiver (express or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other subsequent default or breach. You may not assign or transfer this Agreement. This Agreement is binding upon Yosemite Farm Credit and you, and your respective heirs, executors, successors, and administrators, and is also enforceable by Yosemite Farm Credit’s successors and assigns. Certain of the obligations of the parties pursuant to this Agreement that by their nature would continue beyond the termination, cancellation or expiration of this Agreement shall survive termination, cancellation or expiration of this Agreement. This Agreement, together with the Online Banking Enrollment Form, constitutes the entire agreement between you and Yosemite Farm Credit with respect to the subject matter hereof and there are no understandings or agreements relative hereto which are not fully expressed herein.
    • Definitions – As used in this Agreement, the words “we,” “our,” “us” and “Yosemite Farm Credit” mean Yosemite Farm Credit, ACA, Yosemite Lank Bank, FLCA and Yosemite Production Credit, PCA. “You” and “your” refer to the account holder authorized by Yosemite Farm Credit to use the SYSTEM under this Agreement and anyone else authorize by the account holder to exercise control over the account holder’s funds through the SYSTEM. “Account” or “accounts” means your loans and other accounts at Yosemite Farm Credit (excluding Non-Consumer Accounts). “Electronic funds transfers” means pre-authorized transactions and transfers to and from your Yosemite Farm Credit accounts using the SYSTEM. “SYSTEM Services” means the services provided pursuant to this Agreement. “Business Day” means Monday through Friday. Holidays are not included. “Consumer Account” means a Yosemite Farm Credit, Yosemite Land Bank, FLCA or Yosemite Production Credit, PCA Account established primarily for personal, family, or household purposes. “Non-Consumer Account” means a Yosemite Farm Credit, Yosemite Land Bank, FLCA or Yosemite Production Credit, PCA Account established primarily or a business purpose or any other purpose other than a personal, family, or household purpose.
    • Regulation E Disclosure
    • Consumer Liability for Unauthorized Transfers – You are responsible for all transfers and payments you initiate and authorize using the SYSTEM. If you permit other persons to use the SYSTEM and your password, you are responsible for any transactions they authorize from any of your accounts. CONTACT US AT ONCE if you believe your password has been lost, stolen, used without your authorization, or otherwise compromised, or if someone has transferred or may transfer money from your accounts without your permission. An immediate telephone call to us is the best way to reduce any possible losses. You could lose all the money in your line of credit or any other account. If you contact us within 2 business days after you learn of the loss, theft, compromise, or unauthorized use of your password, you can lose no more than $50 if someone used your password without your permission on your Account. If you do NOT contact us within 2 business days after you learn of the loss, theft, compromise, or unauthorized use of your password, and we can prove we could have stopped someone from using your password to access your Account without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, contact us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get any money you lost through transactions made after the 60 day time period if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from contacting us, we will extend the time periods. “Business days” means Monday through Friday. Holidays are not included.
    • Contact in Event of Unauthorized Transfer – If you believe an unauthorized electronic funds transfer has been made or will be made, call: 1-866-837-1838 or write: Yosemite Farm Credit, P.O. Box 3278, Turlock, CA, 95381. You must also notify Yosemite Farm Credit immediately, in accordance with its established procedures, if you discover any unauthorized electronic funds transfer, or have reason to believe that such a transfer has, or will be made, or if you desire to cancel or amend a previous transfer request or designation of an authorized representative. Yosemite Farm Credit will take reasonable efforts to honor such cancellation or amendment notification. You shall remain liable for any funds transfer request processed prior to such notice or prior to the time at which Yosemite Farm Credit is reasonable able to prevent such additional transfers. You agree to promptly review all statements issued by Yosemite Farm Credit and to immediately notify Yosemite Farm Credit of all discrepancies appearing on such statements.
    • Limits on Amounts and Frequency of SYSTEM Transactions – There is no limit on the number of transfers from your Yosemite Farm Credit accounts. There is a limit on the amount that may be transferred, which is the applicable line of credit limit or available balance limit. If a hold has been placed upon a trust fund or other Account for a future payment or other purposes from which you wish to transfer funds, the transfer ay be cancelled or modified by Yosemite Farm Credit. You will be notified of any such modification.
    • Account Access – You may use your account to:
      • Withdraw cash from your account.
      • Make deposits to your account.
      • Transfer funds between your accounts whenever you request.
    • Fees and Charges – You are responsible for telephone and Internet service fees incurred in connection with your use of the SYSTEM from your telephone company and/or Internet Service Provider. Yosemite Farm Credit does not currently charge any fees, but reserves the right to do so at any time. In the event fees and/or other charges are imposed for your use of SYSTEM Services, you agree to pay the fees and charges upon notice from us. In addition, you agree that all such fees and charges may be deducted from your Yosemite Farm Credit loan Account or other Account or paid in advance to Yosemite Farm Credit. If you close your Primary Loan Account, you must contact us immediately to designate another account as your Primary Loan Account. You also agree to pay additional reasonable charges for services you request not covered by this Agreement.
      • Per Transfer Charge – No charge
      • Fixed Charge – No charge
      • Average or Minimum Balance Charge – No charge
    • Disclosure of Account Information and Transfers – We will disclose information to third parties about your account or the transactions you make:
      • Where it is necessary for completing transfers, or
      • In order to verify the existence and condition of your account for a third party, such as a credit bureau, or for a merchant in relation to transactions that you originate in the SYSTEM, or
      • In order to comply with government agency or court orders, or
      • If you give us your written permission
    • Documentation – Periodic statements – You will not receive a separate SYSTEM statement. Transfers to and from your Accounts using the SYSTEM will appear on the respective periodic statements for your Accounts.
    • Preauthorized Payments – Right to Stop Payment and Procedure for Doing so – If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here’s how:
    • Call us at 1-866-837-1838, or write us at Yosemite Farm Credit, P.O. Box 3278, Turlock, CA, 95381, in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
    • Preauthorized Payments – Liability for Failure to Stop Payment of Preauthorized Transfer – If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.
    • Our Liability – If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
      • If, through no fault of ours, you do not have enough money in your account to make the transfer.
      • If the transfer would go over the credit limit on your overdraft line.
      • If the SYSTEM was not working properly and you knew about the breakdown when you started the transfer.
      • If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
      • There may be other exceptions stated in our agreement with you.
    • In Case of Errors or Questions about Your Electronic Transfers – In case of errors or questions about your electronic transfers, telephone us at 1-866-837-1838, or write us at Yosemite Farm Credit, P.O. Box 3278, Turlock, CA, 95381 or email us at yfconlinebanking@yfc.ag as soon as you can if you think your statement is wrong, or if you need more information about a transfer listed on your statement. We must hear from you no later than 60 days after we sent the FIRST statement upon which the problem or error appeared. When you contact us: (1) Tell us your name and loan account number; (2) Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error, or why you need more information; (3) Tell us the dollar amount of the suspected error. If you contact us by telephone or by email, we may require that you send us your complaint or question in the form of a paper writing by postal mail or fax within 10 business days. We will communicate the results of our investigation to you within 10 business days after you contact us, and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to compete our investigation. If we ask you to put your complaint or question in the form of a paper writing and we do not receive it in the form of paper writing within 10 business days, we may not provisionally credit your account. For errors involving new accounts or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. If we decide that there was no error, we will send you a written explanation within 3 business days after completion of our investigation. You may ask for copies of the documents that we used in our investigation. If we have made a provisional credit, a corresponding debit will be made from your Account.
    • General Online Banking Terms and Conditions (FOR NON-CONSUMER AND CONSUMER ACCOUNTS)
    • The following terms and conditions apply to, and shall govern, your use of the SYSTEM whether you have Non-Consumer and/or Consumer accounts at Yosemite Farm Credit, in addition to the Privacy Policy, Online Banking Website Terms of Use, and any other agreement applicable to your use of the SYSTEM.
    • Internet Security Information – Our Online Banking service utilizes a comprehensive security strategy to protect accounts and transactions conducted over the Internet. Additional information on many of the techniques and features employed by the SYSTEM can be viewed or printed from our website where the features are explained. In addition to our login security, we use TLS (Transport Layer Security) encryption technology for everything done in the SYSTEM. Your browser automatically activates this technology when it attempts to connect to our SYSTEM and it will support 2048-bit key lengths. Whenever TLS is securing your communications, the browser will typically indicate the “secure session” by changing the appearance of a small padlock icon at the top or bottom of the screen from open to locked depending on your internet browser. Communications from your browser to Yosemite Farm Credit have encryption. The encryption does not guarantee privacy but the encryption is intended to try to make it more difficult for third parties to read your communication.
    • During your use of the SYSTEM, we will pass a “cookie” to your browser to identify you. We do not (and cannot) use our cookies to obtain new information about you. A “cookie” is security data given to a browser by a web server and returned by the browser on subsequent transmissions to identify the user and encryption information. When you log onto the SYSTEM, this cookie enables us to process multiple transactions during the session without you having to provide your Login ID and password for each individual transaction. After a predetermined amount of time set by our security system or when you log off, the session cookie is no longer accepted. When this happens, you must log back into Online Banking to receive a valid session cookie. A new cookie is used for each session, so that no one can use a previous cookie to access your account. For Cash Management users, a cookie may also be used to restrict access to a specific PC for conducting business transactions.
    • Registration Process – The service requires the customer to complete the initial registration process. This involves either completing a secure online application or completing an application in person or mailing it to our office. The information on the application will identify everything we will need to enable your access to the SYSTEM. Once we verify the information you submitted for accuracy and authorizations, you will be notified when your account will be activated by mail and/or email.
    • Access – To use the SYSTEM, you must have at least one loan account at Yosemite Farm Credit, have access to internet service and a valid email address. Once we have received your signed Enrollment Form and verified your account information, we will send you confirmation of our acceptance of your enrollment, along with your assigned Login ID and temporary password, by email or through the postal system. Initially, the SYSTEM can be used to access only the Yosemite Farm Credit accounts for which you are the primary borrower. You can add or delete any of your Yosemite Farm Credit accounts from this Agreement by contacting Yosemite Farm Credit. Access to your accounts through the SYSTEM will be based upon the identification of users and authority levels specified by you in your Enrollment Form. We undertake no obligation to monitor transactions through the SYSTEM to determine that they are made on behalf of the account holder. You agree to follow all instructions provided by Yosemite Farm Credit as reflected on your computer monitor, handheld computing device, personal digital assistant, and all Wireless Application Protocol enabled devices or e-mail or other system access screen.
    • SYSTEM Services – You can use the SYSTEM to check the balance of your Yosemite Farm Credit accounts; view Yosemite Farm Credit account histories; transfer funds between select accounts, and change your address for your Yosemite Farm Credit accounts. Balance information is available as of approximately 10:00 p.m. Pacific Time of the previous business day. Balances reflecting “memo” transactions that have occurred during the day are available at various times during the business day. “Memo” transactions are transactions that have occurred during the day but have not yet been processed.
    • Hours of Access to the SYSTEM – You can use the SYSTEM seven days a week, twenty-four hours a day, although occasionally some or all SYSTEM services may not be available due to emergency or scheduled system maintenance. We agree to post notice of any extended periods of non-availability on the SYSTEM website.
    • Your SYSTEM Password – For security purposes, you are required to change your password upon your initial login to the SYSTEM. You determine what password you will use; the identity of your password is not communicated to us. You agree that we are authorized to act on instructions received under your password. You accept responsibility for the confidentiality and security of your password and agree to change your password regularly. Upon three unsuccessful attempts to use your password, your access to the SYSTEM will be locked. To re-establish your authorization to use the SYSTEM, you must contact us to have your password reset or to obtain a new temporary password. We recommend that you create a password that utilizes both upper- and lower-case alpha and numeric characters for purposes of security. Your password should not be associated with any commonly known personal identification, such as social security numbers, address, date of birth or names of children, and should be memorized rather than written down. You agree to keep confidential and not to disclose or otherwise make your password available to anyone not authorized to sign on your accounts. If you authorize anyone to use your password, that authority shall continue until you specifically revoke such authority by changing the password or by notifying Yosemite Farm Credit and obtaining a replacement password. You understand that if you reveal your password to anyone you have authorized that individual to transfer and withdraw funds from any of your accounts which can be accessed by the password, regardless of whether that person is authorized to transfer or withdraw funds from the account(s) by any means other than by use of the SYSTEM.
    • Security of SYSTEM Account – You understand the importance of your role in preventing misuse of your accounts through the SYSTEM, and you agree to promptly examine the statement for each of your Yosemite Farm Credit accounts as soon as you receive it. You agree to protect the confidentiality of your account and account number, and your personal identification information such as your driver’s license number and social security number. You understand that personal identification information by itself or together with information related to your account may allow unauthorized access to your account. Your password and Login ID are intended to provide security against unauthorized entry and access to your accounts. Data transferred via the SYSTEM is encrypted in an effort to provide transmission security; the SYSTEM utilizes identification technology to verify that the sender and receiver of the SYSTEM transmissions can be appropriately identified by each other. You are responsible for the security of any equipment you use to access the SYSTEM. Utilizing publicly accessible equipment (i.e. Internet cafe, library, shopping mall, work computer, etc.) or equipment that is not equipped with the latest security software can jeopardize the security of transmissions to the SYSTEM. Notwithstanding our efforts to ensure that the SYSTEM is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and can potentially be monitored and read by others. We cannot and do not warrant that all data transfers utilizing the SYSTEM, or email transmitted to and from us, will not be monitored or read by others.
    • Posting of Transfers Through the SYSTEM – Transfer requests made through the SYSTEM are subject to review by Yosemite Farm Credit before application to your accounts in accordance with loan documents and credit policies of Yosemite Farm Credit. Transfers initiated through the SYSTEM before 2:00 p.m. Pacific Time on a business day will be processed for review by Yosemite Farm Credit that same business day. Transfers completed after 2:00 p.m. Pacific Time on a business day, Saturday, Sunday or holiday will be posted on the next business day. The SYSTEM identifies a transfer based upon the Login ID of the user who made the electronic transfer. Accordingly, you understand and acknowledge that the View Postings screens in the Transfer menu option of the SYSTEM will not reflect transfers made by multiple users from the same account if different Login IDs are used. You agree to communicate to any other persons with authorized access to your accounts concerning any transfers from your accounts, in order to avoid exceeding loan commitment or unavailable funds in Trust Fund or other accounts.
    • Order of Payments, Transfers and other Withdrawals – If your account has insufficient commitment available or funds to perform all electronic fund transfers you have requested for a given business day, then electronic fund transfer requests initiated through the SYSTEM may, at our discretion, be cancelled or modified to avoid exceeding the loan commitment or available funds.
    • Use of Email For SYSTEM Account Information – You agree that the SYSTEM can provide certain account information via email through the use of automated system notices and that, by enabling these notices, you authorize the release of such information via electronic means to the email address you have provided. You agree to notify us immediately of any change in your email address.
    • Change in Terms and Consent to this Agreement – We reserve the right to change the terms of this Agreement at any time. If any changes are made, the revised Agreement will be updated and posted on this website. Generally, a change in terms will become effective twenty-one (21) days after the date notice is posted on the website (except as otherwise required by Regulation E, if applicable). You may not be required to click “I Accept” after your initial enrollment and consent to this Agreement in order to consent to any change in terms. However, your continued use of the SYSTEM after the effective date will confirm your consent and agreement to be bound by this Agreement, as amended by the new terms. You should review these terms from time to time. If we determine, in our sole discretion, that any change is needed immediately, we will post notice that such change becomes effective immediately. You are always free to reject any change in the terms of this Agreement by discontinuing use of the SYSTEM to access your accounts. Users of the SYSTEM have no right to expect the continuation of any part of the SYSTEM nor any products and services that are described or offered through the SYSTEM.
    • Disclaimer of Warranty and Limitation of Liability – The information and materials contained as part of the SYSTEM are provided on an “as is” and “as available” basis, without any warranties whatsoever about the nature or content (either when posted or as a result of the passage of time) of any material on the SYSTEM, and without any representations or guarantees. We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a for a particular purpose, title and non-infringement in connection with the SYSTEM or SYSTEM Services provided to you under this Agreement. Yosemite Farm Credit does not warrant the accuracy, adequacy, or completeness of this information and materials, and it expressly disclaims liability for errors or omissions in this information and materials. In addition, Yosemite Farm Credit makes no representations, warranties or guarantees that the SYSTEM will be secure, accessible continuously, and without interruption or error free. To the extent that you might otherwise believe that any warranties, guarantees, or representations have been made to you, you hereby agree that such statements, whether made orally or in writing, are to be construed as merely non-binding expressions of policy rather than affirmative representations, obligations, guarantees, or warranties. In the event of any conflict between this section and other terms and provisions of this Agreement, this section shall be construed to take precedence. Except as specifically provided in this Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contractors are not liable for any damages (including without limitation any direct, indirect, special, incidental, or consequential damages), losses or expenses that arise in connection with services or products provided under this Agreement, or your use of or access to the SYSTEM or SYSTEM Services, or the inability of anyone to use the SYSTEM or SYSTEM Services, or for any claims by any third parties, whether in an action in contract or tort or based on a warranty. Further, in no event shall the liability of Yosemite Farm Credit and its affiliates exceed the amounts paid by you for the services provided to you through the SYSTEM.
    • SYSTEM Access Violations/Indemnification – Your access privileges are conditioned on your adherence to the terms of this Agreement. If you violate any of the terms of this Agreement, you agree that Yosemite Farm Credit may deny you access to the SYSTEM. You further agree, at your own expense, to defend and indemnify Yosemite Farm Credit and hold Yosemite Farm Credit harmless against all claims arising in any manner whatsoever which may be asserted against Yosemite Farm Credit, and all losses arising on any manner whatsoever and incurred as a result of any violations of this Agreement. Yosemite Farm Credit reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and such assumption will not relieve you of your indemnity obligations.  If asked to do so, you agree that you will not attempt to access the SYSTEM website.
    • Virus Protection and Other Liability Limitations – Yosemite Farm Credit is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their PCs, drives and removable media using a reliable virus detection product to detect and remove any viruses. Undetected or unrepaired viruses may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit the virus to other computers. You are solely responsible for the selection, installation, maintenance and operation of your personal computer, wireless device and software. Yosemite Farm Credit expressly disclaims any and all liability as it relates to the improper use of your personal computer, wireless device and the transmission of data except as provided by statute. Yosemite Farm Credit is not responsible for any errors or failures due to any malfunction of your personal computer, wireless device or the software, or unsuitability of your personal computer, wireless device or software, or any virus, or any problems that may be associated with the use of an online service.
    • Hyperlinks to Third Party Websites or Content – Yosemite Farm Credit provides hyperlinks to third party websites as a convenience to you and has no control over the content posted at these websites, nor does Yosemite Farm Credit make any representation as to the content of these websites. Hyperlinks to other internet resources are to be used by you at your own risk. The content, accuracy, opinions expressed and other links provided by these resources may not be investigated, verified, or monitored by Yosemite Farm Credit, and such links are not endorsed by Yosemite Farm Credit unless otherwise specifically stated. If you believe that Yosemite Farm Credit has provided a hyperlink to a website that contains infringing or illegal content or which makes available cracker tools or other circumvention devices, we ask you to notify Yosemite Farm Credit so that we may evaluate whether to disable it.
    • Your Right to Terminate Access to the SYSTEM – You may cancel your SYSTEM service at any time by providing us with written notice by postal mail, fax or email at yfconlinebanking@yfc.ag Your access to the SYSTEM will be suspended within 3 business days of our receipt of your instructions to cancel the service. You will remain responsible for all outstanding fees and charges incurred prior to the date of cancellation.
    • Our Right to Terminate Your Access to the SYSTEM – You agree that we can terminate or limit your access to SYSTEM Services for any of the following reasons: (1) Without prior notice, if you have insufficient funds in any one of your Yosemite Farm Credit accounts; SYSTEM Service may be reinstated, in our sole discretion, once sufficient funds are available to cover any fees, pending transfers and debits; (2) Upon 3 business days’ notice, if you do not contact us to designate a new Primary Loan Account immediately after you close your Primary Loan Account and (3) Upon reasonable notice, for any other reason in our sole discretion.
    • Communications between Yosemite Farm Credit and You – Unless this Agreement provides otherwise, you can communicate with us in any one of the following ways: (1) Email -You can contact us by email at yfconlinebanking@yfc.ag (please note that banking transactions through the SYSTEM are not made via email); (2) Telephone – You can contact us, toll free, by telephone at the Yosemite Farm Credit office 1-866-837-1838; (3) Facsimile – You can contact us by fax at Yosemite Farm Credit 1-209-667-4634; (4) Postal Mail – You can write to us at Yosemite Farm Credit, PO Box 3278, Turlock CA 95381, or local branch office and (5) In Person – You may visit us in person at any one of our locations.
    • Consent to Electronic Delivery of Notices – You agree that any notice or other type of communication provided to you pursuant to the terms of this Agreement, and any future disclosures required by law, including electronic fund transfer disclosures, may be made electronically by posting the notice on the Yosemite Farm Credit Online Banking website or by email. You agree to notify us immediately of any change in your email address.
    • License Permission and Use Restrictions – The SYSTEM is intended for use by customers of Yosemite Farm Credit located within the United States of America. We make no claims that the SYSTEM or any of its content is accessible or appropriate outside of the United States. Access to the System may not be legal by certain persons or in certain countries. If you access the SYSTEM from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.  If you are an international user, please also refer to the Privacy Policy for information on how your personal information is handled. You are hereby granted a non-exclusive license to use this website.  You are granted a nonexclusive, revocable license to copy or print one unaltered permanent copy of website materials for your personal use – noncommercial use only. Except as expressly provided herein, all rights are reserved. Except to the extent required for the limited purpose of reviewing material on Yosemite Farm Credit’s website, electronic reproduction, adaptation, distribution, performance, or display is prohibited. Commercial use of any of the content of this website is strictly prohibited. You may not display this website in frames (or any of the content via links) without Yosemite Farm Credit’s express written permission. No permission is given to print, copy reproduce, distribute, publicly display, perform, publish, transmit, upload, download, store, license, create derivative works from, alter, or modify materials, transfer, or sell anything obtained from this website. You agree that you will not use (or allow others to use) the website or any information contained on it for any wrongful, unauthorized, or unlawful purposes. You also agree to indemnify and hold us and our affiliates harmless from and against any loss, damage, or expense (including but not limited to attorney’s fees) incurred because of any such use.
    • Copyright – Yosemite Farm Credit or a third-party vendor owns the copyright to the pages, content, and the screens displaying the information that appears on the website and the SYSTEM.
    • Trademarks and Service Marks – Yosemite Farm Credit or a third party vendor owns the trademark and service mark rights in marks contained in the website and SYSTEM pages.
    • Good Samaritan, Third Party Content Policy – It is the policy of Yosemite Farm Credit not to tolerate any acts of intellectual property infringement or violations of U.S. Law or to allow any child pornography or obscene or defamatory material to be posted at this website. Yosemite Farm Credit will do its best, in good faith, to remove, disable or restrict access to or the availability of material that, in its subjective view, is infringing, racist, obscene, obscene as to minors, child pornography, lewd, lascivious, filthy, excessively violent, harassing, or otherwise objectionable. The provisions of this section are intended to implement this policy but are not intended to impose a contractual obligation on Yosemite Farm Credit to undertake, or refrain from undertaking, any particular course of conduct.
    • Unsolicited E–Mail, Spamming and Spoofing – You may not use this website to transmit unsolicited e-mail. You may not send unsolicited e-mail to this website or to anyone whose e-mail address includes the domain name used on this website. You may not use Yosemite Farm Credit’s domain name as a pseudonymous return e-mail address for any communications which you transmit from another location or through another service. You may not pretend to be someone else or spoof another’s identity when using this website.
    • Jurisdiction and Governing Law – You will be deemed to have agreed to the exclusive jurisdiction of the State and Federal courts of the State of California, USA, for resolution of any dispute you have relating to the goods or services offered or promoted herein, or to this agreement. The laws of the State of California (excluding its conflict of laws rules) will be applied to any dispute, regardless of where it is heard, and these terms and conditions are governed by the laws of the State of California (excluding its conflict of laws rules).