Yosemite Farm Credit Privacy Policy

Notice at Collection
Under California law, California residents have specific rights regarding their Personal Information and must be provided a particular notice when Personal Information is collected (the “Notice at Collection”) Our Notice of Collection is comprised of the following:

The section of the Privacy Policy entitled “Information We Collect and Methods of Collection.”
The section of the Privacy Policy entitled “Use and Disclosure of Your Personal Information.”
The Privacy Policy

Commitment to Privacy
At Yosemite Farm Credit, we are committed to maintaining the confidentiality of financial, personally identifiable, and other non-public information about our customers, and other persons, including but not limited to users of our websites (including, without limitation, any Yosemite Farm Credit domains, web-based or mobile applications), products and other services (collectively, our “Services”). As a matter of corporate policy, we have implemented administrative, physical, and technical procedures and systems and controls designed to safeguard private information and prevent its disclosure to unauthorized parties. This Privacy Policy describes the types of information we collect from you or that you may provide when you use our Services and our practices for collecting, using, maintaining, protecting, and disclosing that information.

If you are a Yosemite Farm Credit employee, officer, director, job applicant or contractor, please refer to the Notice to YFC Employees, Directors, Applications, Contracts, as this policy does not apply to you.

Security of Personal Information
We maintain strict security standards and procedures to protect your privacy and help prevent unauthorized access to your personal information. We also incorporate physical and electronic safeguards and make every effort to protect the security of personal information. Our Services are hosted on secure servers. Any information collected by us is stored in private files behind a firewall designed to protect confidential information by denying unauthorized access by unauthorized users.

We have policies and procedures in place to govern the proper handling of information and train our employees on their responsibility to protect confidential information. We restrict access to your information only to those employees with a “need to know” basis.

We may use third party suppliers and/or service providers to facilitate our Services. We do not authorize these suppliers or service providers to retain, disclose or sell information we collect from our customers and users to other unaffiliated third parties for their own business purposes.

Information We Collect and Methods of Collection
By using the Yosemite Farm Credit loan products and other services and visiting the Yosemite Farm Credit Website, you signify your acceptance of this Privacy Policy.

We may collect several categories of information from and about users of our Services, that identify, relate to, describe, reference, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular customer or device (“Personal Information”) In the last twelve months, we have collected the following categories of Personal Information:

Category	(Not all information identified is collected by Yosemite Farm Credit in all instances)	Whether this Information is Collected or Used	Retention Period
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	We collect some or use Personal Information within this category.	For as long as the Company has a business need or is legally required to maintain/use such information.
B. Personal information categories listed in the California Customer Records statue (Cal. Civ. Code section 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.	We collect some or use Personal Information within this category.	For as long as the Company has a business need or is legally required to maintain/use such information.
C. Protected classification characteristics under California law 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, and genetic information (including familial genetic information).	We collect some or use Personal Information within this category.	For as long as the Company has a business need or is legally required to maintain/use such information.
D. Commercial information	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	We collect some or use Personal Information within this category.	For as long as the Company has a business need or is legally required to maintain/use such information.
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.	We collect some or use Personal Information within this category.	For as long as the Company has a business need or is legally required to maintain/use such information.
F. Internet or other similar network activity	Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.	We collect some or use Personal Information within this category.	For as long as the Company has a business need or is legally required to maintain/use such information.
G. Geolocation data	Physical location or movements, including physical location and time related to use of an internet website, application, or device.	We collect some or use Personal Information within this category.	For as long as the Company has a business need or is legally required to maintain/use such information.
H. Sensory data	Audio, electronic, visual, thermal, olfactory, or similar information and call monitoring.	We collect some or use Personal Information within this category.	For as long as the Company has a business need or is legally required to maintain/use such information.
I. Professional or employment-related information	Current or past job history or performance evaluations.	We collect some or use Personal Information within this category.	For as long as the Company has a business need or is legally required to maintain/use such information.
J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.W. Section 1232g, 34 C.F.R. Part99)	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.	We collect some or use Personal Information within this category.	For as long as the Company has a business need or is legally required to maintain/use such information.
K. Inferences drawn from other personal information	Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.	We collect some or use Personal Information within this category.	For as long as the Company has a business need or is legally required to maintain/use such information.
L. Sensitive Personal Information means certain types of Personal Information, such as:	Social security, driver’s license, state identification card, or passport number, account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account, precise geolocation, including any data that is derived from a device and that is used or intended to be used to locate a consumer within a geographic area that is equal to or less than the area of a circle with a radius of 1,850 feet, except as prescribed by regulations, racial or ethnic origin, citizenship or immigration information, religious or philosophical beliefs, or union membership, the contents of a consumer’s mail, email, and text messages unless the business is the intended recipient of the communication, genetic data, unique biometric information used for identification, health information, and sex life or sexual orientation information.	We collect some or use Personal Information within this category.	For as long as the Company has a business need or is legally required to maintain/use such information.

Personal Information does not include publicly available information from government records, lawfully obtained, truthful information that is a matter of public concern, information that a business has a reasonable basis to believe is lawfully made available to the general public by the individual or from widely distributed media or by the individual, information made available by a person to whom the individual has disclosed the information if the individual has not restricted the information to a specific audience, deidentified or aggregated consumer information, or other information specifically exempted by statute (such as health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and other sector-specific privacy laws (including the Fair Credit Reporting Act, the Gramm-Leach Bliley Act, the California Financial Information Privacy Act, and the Driver’s Privacy Protection Act of 1994).

Sensitive personal information is a subtype of personal information consisting of specific information categories. While we collect information that falls within the sensitive personal information categories listed in the table below, the CCPA does not treat this information as sensitive because we do not collect or use it to infer characteristics about a person.

In the preceding twelve (12) months, we have collected the categories of Personal Information listed above both direct and indirectly from you and from various external parties such as affiliates, third parties and service providers. In the preceding twelve (12) months, the categories of external parties include affiliates, third parties, service providers, governmental and regulatory agencies, funding banks, loan sale and participant entities, information technology service providers, marketing service providers, social media platforms, credit service providers, independent contractors, and other persons and entities.

Information You Provide to Us Directly
The information we collect on or through our Services may include:

Information that you provide by filling in forms on our Services. This includes information provided at the time of registering to use our website, posting or requesting further services or information. We may also ask you for information when you report a problem with our website.
Records and copies of your correspondence (including e-mail addresses) if you contact us.
Your responses to surveys that we might ask you to complete for research purposes.
Details of transactions you carry out through our Services and of the fulfillment of your transactions. You may be required to provide financial information before placing an order through our Services.
Your search queries on the website.
Any other information you provide to us.

You also may provide information to be published or displayed (hereinafter, “posted”) on public areas of the Services or transmitted to other users of the Services or third parties (collectively, “User Contributions”). Your User Contributions are posted on and transmitted to others at your own risk. Although we limit access to certain pages and you may set certain privacy settings for such information by logging into your account profile, please be aware that no security measures are perfect or impenetrable. Additionally, we cannot control the actions of other users of the Services with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee that your User Contributions will not be viewed by unauthorized persons.

If you send us information in regard to employment with our company, we only use such information for the purpose for which you have submitted it to us. We may add this information to our Human Resources database, but this information will not be used for marketing or promotional purposes. You may opt out of having your e-mail address and other information added to our Human Resources database by contacting us via postal mail, e-mail, or telephone at the addresses provided below in the Contact Information section.

Information We Collect Through Automatic Data Collection Technologies

As you navigate through and interact with our Services, we may use automatic data collection technologies or service providers to collect certain information about your equipment, browsing actions and patterns, including:

1. Details of your visits to our Services, including traffic data, location data, logs and other communication data and the resources that you access and use on the Services.
2. Information about your computer and internet connection, including your IP address, operating system, and browser type.

The information we collect automatically is statistical data, but we may maintain it or associate it with Personal Information we collect in other ways or receive from third parties. Information collected by our service providers such as Google Analytics, is transmitted and stored by the service provider and is subject to contractual confidentiality obligations and/or the service provider’s privacy policies. This information helps us to improve our Services and to deliver a better and more personalized service, including by enabling us to:

1. Estimate our audience size and usage patterns.
2. Store information about your preferences, allowing us to customize our Services according to your individual interests.
3. Speed up your searches.
4. Recognize you when you return to our Services.

The technologies we use for this automatic data collection may include:

1. Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting, you may be unable to access certain parts of our website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our website.
2. Flash Cookies. Certain features of our website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from and on our website. Flash cookies are not managed by the same browser settings as are used for browser cookies.
3. Web Beacons. Pages of our website and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs. pixel tags and single-pixel gifs.) that could permit us, for example, to count users who have visited those pages or opened an e-mail and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

Behavioral Tracking, Third-party Use of Cookies and Other Tracking Technologies
We do not use automated technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking).

Some content or applications, including advertisements, displayed on the Services are served by third parties, including advertisers, ad networks and servers, content providers and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our Services. The information they collect may be associated with your Personal Information or they may collect information, including Personal Information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.

We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.

Security and Intrusion Detection
To ensure the security and availability of the Yosemite Farm Credit owned and managed websites, we use a trusted service provider. The service provider employs several solutions to monitor and identify unauthorized attempts to access or damage websites. Unauthorized attempts to access, alter, or damage this Website are strictly prohibited, and may be punishable under law.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Services, you are responsible for keeping this password confidential.

Although we have endeavored to create a secure and reliable website for users and will use all reasonable efforts to safeguard your Personal Information, transmissions made on the Internet cannot be made absolutely secure from being read or monitored by outside parties. Accordingly, we are not responsible for the security of information transmitted via the Internet, and we will have no liability for disclosure of your Personal Information due to errors in transmission or unauthorized acts of outside parties. When you transmit your Personal Information via the Internet you do so at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Services.

Use and Disclosure of Your Information
We may use and disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may use and disclose Personal Information that we collect, or you provide as described in this Privacy Policy:

To our subsidiaries and affiliates.
To contractors, service providers and other third parties we use to support our business and who are bound by contractual obligations to keep Personal Information confidential and use it only for the purposes for which we disclose it to them.
To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of Yosemite Farm Credit’s assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which Personal Information held by Yosemite Farm Credit about our website users is among the assets transferred.
To fulfill the purpose for which you provide it. (For example, if you share your name and contact information to request a quote or ask a question about our products or services, we will use that Personal Information to respond to your inquiry. If you provide your Personal Information to purchase a product or service, we will use that information to process the transaction.)
For any other purpose disclosed by us when you provide the information.
To provide, support, personalize, and develop our services.
To create, maintain, customize, and secure your account with us.
With your consent.

We may also disclose your Personal Information:

To comply with any court order, law, or legal process, including, in response to any government or regulatory request.
Consistent with State and Federal laws and regulations that may require us to disclose confidential information in certain situations. Such situations include requests from law enforcement agencies or criminal or civil legal proceedings. In addition, as required by federal laws targeting terrorism funding and money laundering activities, we collect information and take actions necessary to verify the identity of individuals and organizations with which we do business.
To enforce or apply our Website Conditions of Use.
If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Yosemite Farm Credit, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

We 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 notice.

Disclosures Regarding Sharing Your Personal Information
Disclosures of Personal Information for A Business Purpose. We may disclose your Personal Information to a Service Provider or Contractor for a Business Purpose (as such terms are defined by California law). In the preceding twelve (12) months, we have disclosed the categories of Personal Information described above in the “Information We Collect and Methods of Collection” and “Information You Provide to Us Directly” sections to service providers, governmental and regulatory agencies, funding banks, loan sale and participant entities, and other affiliates for a Business Purpose including information technology service providers, marketing service providers, social media platforms, credit service providers, employees, independent contractors, and other persons and entities.

Personal information is collected and disclosed for one or more of the following business purposes:

To provide Yosemite Farm Credit products and services to you, including loans, leases and other credit facilities, and including maintaining or servicing products, services and accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing educational and marketing communications, facilitating loan sales, participations and other business needs, providing analytics services, or providing similar services you request from us.
To maintain the security and integrity of our website, products, services, accounts, and technology assets, detect security incidents, prevent fraud and other threats, debug or repair errors impacting existing functionality, and to develop and improve our website and products and services.
To fulfill or meet the reason for which the information is provided or as otherwise disclosed to you.
To respond to and in connection with requests from regulatory examiners, auditors, our funding bank and shareholders, and requests for credit and other references.
To protect the rights, property, or safety of Yosemite Farm Credit, our clients, or others, including protecting our security position on collateral.
To comply with applicable laws and regulations, to exercise or defend legal claims, and to comply with any valid warrant, subpoena, court order, or legal process, including any law enforcement, government, or regulatory request, and including those in connection with criminal or civil proceedings.
To a successor in the event of a merger, reorganization, dissolution or other sale or transfer of some or all of Yosemite Farm Credit assets, whether as a going concern or as part of bankruptcy or similar proceeding, in which personal information held by Yosemite Farm Credit or about our website users and customers or other Persons is among the assets transferred.

Sale of Personal Information for A Business Purpose
We do not Sell your Personal Information or share any Personal Information for cross-context behavioral advertising, to any Third Party for a Business Purpose (as such terms are defined by California law). In the preceding twelve (12) months, we have not Sold the categories of Personal Information described above or shared such Personal Information for cross-context behavioral advertising, to any Third Party.

Promotional Marketing, Targeted Advertising and Third-Party Advertising
Your e-mail addresses and Personal Information may be added to our Marketing databases and used for future marketing and/or electronic mailings regarding site updates, new products and services, upcoming events, and other promotional information. If you do not want us to use or share your Personal Information with Service Providers or Contractors, for promotional marketing or targeted advertising purposes, you can opt-out by contacting us via postal mail, e-mail, or telephone at the addresses provided in the Contact Information section below.

Your Rights and Choices About Personal Information Under California Law
California law provides California residents with specific rights regarding their Personal Information. This section describes your rights and how to exercise those rights by submitting a consumer request (“Consumer Request”).

Access to Specific Information and Data Portability Rights. You have the right to request that Yosemite Farm Credit disclose certain or all of the following information to you about our collection and use of your Personal Information over the past twelve (12) months. Once we receive a verifiable Consumer Request, we will be able to disclose to you:
- The specific pieces of Personal Information we collected about you (also may be called a data portability request)

Deletion Request Rights. You have the right to request that we delete any or all of your Personal Information that we collected from and about you, subject to certain statutory exceptions. Once we receive a verifiable Consumer Request, we will identify the Personal Information, confirm that you want that Personal Information deleted, and then delete (and notify our service providers to delete) your Personal Information from our records, unless an exception applies.

Right to Correct: You have the right to request inaccurate Personal Information be corrected.

Right to Restrict Sensitive Personal Information Processing. You have the right to restrict how your Sensitive Personal Information is used and disclosed, subject to certain uses permitted by California law (such as, the use necessary for the performance of services, use to ensure security and integrity).

Non-Discrimination. We will not discriminate against you for exercising any of your legal rights regarding Personal Information, unless permitted by law. We will not take any of the following actions solely because you chose to exercise any of your legal rights regarding your Personal Information:
- Deny you 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 with a different level or quality of goods or services.
- Suggest that you may receive a different price or rate for goods or service or a different level or quality of goods or services.

However, we may offer financial incentives permitted by law. Any financial inventive we offer will reasonably relate to your Personal Information’s value and contain written terms that describe the program’s material aspects.

Other California Privacy Rights. California residents may also request certain information regarding our disclosure of Personal Information to third parties for their direct marketing purposes. To make such a request, use the contact information set forth below for general inquiries and requests.

How to Submit a Consumer Request

To exercise your rights, please submit a Consumer Request to the postal mail or e-mail addresses or the telephone number provided in the contact information section below. The Consumer Request must describe the request with sufficient detail that allows us to properly understand, evaluate, and respond to it. Please specify if your Consumer Request pertains to all specific pieces of your Personal Information, or only in general to the categories of Personal Information. You may only make a Consumer Request for access or data portability twice within a twelve (12) month period.

How We Will Verify Consumer Requests. Only you, or a person registered with the California Secretary of State that you authorize to act on your (or your minor child’s) behalf, may make a Consumer Request related to your (or your minor child’s) Personal Information. To designate an authorized agent, we will ask you to provide us with legal documentation (such as power of attorney documentation) or written permission and verify your identity, and the agent will need to verify their own identity with us.
We reserve the right to require you to provide additional information to enable us to reasonably verify that you are the person about whom the Personal Information pertains in order to release the requested information to you (or your authorized agent). If you have an account with us, you will be asked to use the standard authentication procedures to access your account. If you do not have an account with us, you will be asked to verify certain pieces of Personal Information. We may also ask you to sign a declaration under penalty of perjury regarding your identity. We cannot respond to your request 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 make 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.
How We Will Respond to Consumer Requests. We endeavor to respond to verifiable Consumer Requests within forty-five (45) days after receipt. If we require more time (up to 45 days) we will inform you of the reason and extension in writing. If you have an account with us, we will deliver our written response(s) to that account. If you do not have an account with us, we will deliver our written response(s) by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding receipt of the verifiable Consumer Request. If we deny (or cannot comply with) the Consumer Request, we will explain why. 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. We do not charge a fee to process or respond to your Consumer Request unless such request is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why and provide you with a cost estimate before completing your request.

Links to Other Websites
Links to third party websites from our Services are provided solely as a convenience to you. If you use these links, you will leave our Services and our Privacy Policy does not apply. Yosemite Farm Credit does not endorse, sponsor, or otherwise have any control over the operation, or the contents of third-party websites accessed through our Services. Yosemite Farm Credit is not responsible for, and assumes no liability associated with, the practices employed by third-party website owners. Your browsing and interaction on any other websites, including websites which have a link on the Yosemite Farm Credit website, is subject to that third-party website’s own rules and policies, including without limitation the third-party’s privacy policy and terms of use. Please read over those rules and policies before proceeding.

Children’s Privacy
Our Services are not intended for children under 16 years of age. No one under age 16 may provide any Personal Information to or through the Services. We do not knowingly collect Personal Information from children under 16. If you are under 16, do not use or provide any information on or through any of the Services’ features, register for the Services, use any of the interactive features of the Services, or provide any information about yourself to us, including your name, address, telephone number, e-mail address or any screen name or username you may use. If we learn we have collected or received Personal Information from a child under 16 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 16, please contact us at the addresses provided below in the Contact Information section.

International Transfers of Data
If you are located in a province, country or other government jurisdiction outside of the United States, and if you choose to provide your Personal Information to Yosemite Farm Credit through the website, please be aware that your Personal Information may be transferred to and maintained on computers located in the United States and the applicable privacy laws may not be as protective as those in your jurisdiction. If you choose to provide your Personal Information to us, you consent to the transfer, maintenance, and storage of such information in the United States and for Yosemite Farm Credit to process and use such information in accordance with this Privacy Policy.

How to Correct Your Information
You may request modifications, corrections, and changes to your Personal Information stored on our databases, however, Yosemite Farm Credit may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

Changes to Yosemite Farm Credit’s Privacy Policy
As Yosemite Farm Credit continues to improve services, products, and the features we provide, this Privacy Policy is subject to change. We may revise and update this Privacy Policy from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access and use of our Services thereafter. If we decide to change our Privacy Policy, we will post the revisions on our website. As we may make changes at any time without notifying you, we suggest that you periodically consult this Privacy Policy, so you are aware of any changes as they are binding on you. Your continued use of our Services following the posting of changes constitutes your acceptance of such changes. The date the privacy policy was last revised is identified at the bottom of the page.

Accessibility
Individuals with disabilities who cannot access the privacy policy in an accessible format can visit us at any of our office locations or by contacting us via one of the methods below.

Farm Credit Exemption
Not all information collected, processed, disclosed, or used by Yosemite Farm Credit is considered “personal information” under California law. Also, certain provisions do not apply to personal information collected, processed, sold, or disclosed subject to the federal Farm Credit Act of 1971 (as amended in 12 U.S.C. 2001-2279cc and implementing regulations, 12 C.F.R. 600, et seq.) (“Farm Credit Exemption”). Without waiving the right to claim or assert the Farm Credit Exemption, Yosemite Farm Credit has voluntarily implemented California privacy provisions as described in the Policy in furtherance of Yosemite Farm Credit’s commitment to privacy and the security of Personal Information.

Contact Information
If you provided us with Personal Information and would like to exercise your rights, opt-out of any communications, need to access it in an alternative format due to having a disability, or if you have any further questions or comments about this Privacy Policy, please contact us via one of the following methods:

E-mail: info@yfc.ag
U.S. Mail: PO Box 3278, Turlock, CA 95381
Telephone: (209) 667-2366 or toll-free at (866) 837-1838

Last Modified February 28, 2024