Online Privacy

 
Protecting Your Privacy Online
Rabo AgriFinance LLC is aware of your concerns when it comes to Internet security and safety issues. We want you to know how we will handle the information we learn about you from your visit to our website(s). This privacy statement applies to your visits to our website(s) and, by using our site, you agree to the terms and conditions of this notice.

Information We Collect Online

The information we receive about you depends upon what you do when visiting our website(s). You may visit our website(s) anonymously. In this case, we will collect information about your online browsing and transactions, including your preferences, pages visited and technical information regarding your computer and operating systems; such as your Internet Protocol (IP) address, domain name, system configuration and settings. We use the above information to collect and measure the number of visitors to the different sections of our website(s), and to help us stay abreast of technical upgrades that can make our website(s) more accessible and innovative for our visitors. This information, which does not identify individual customers, is used by Rabo AgriFinance for its business purposes, which may include offering products or services, research, marketing or analyzing market trends, and other purposes consistent with applicable laws.

You may choose to provide us with personally identifiable information by completing forms, surveys, applications, or other online fields including name, postal or email addresses, telephone, fax or mobile numbers, social security number, or account numbers. This information allows you to perform certain tasks (such as using our online bill payment service).

Using and Sharing Information

We may share information with third parties that are not related by common ownership or control, such as service providers, credit bureaus, and other nonaffiliated third parties as requested by you or when required or permitted by law. Unless described in this Internet Privacy Practices, we will use and share information in accordance with our Rabo AgriFinance Privacy Policy.

Confidentiality

No one is permitted access to this information except authorized employees and authorized outside service providers who provide services to you.

In addition, you should know about these online information management tools that may offer additional convenience:

Cookies

A cookie is a piece of information that our web server stores on your computer's hard drive and retrieves later. Rabo AgriFinance or our third-party service providers may place cookies on your hard drive to keep track of your preferences and to recognize return visitors. When you return to our website, your browser gives this data back to the server to improve your experience using the site. Cookies allow us to:

Offer you more relevant products and services;

Collect technical and navigational information, such as browser type, time spent on our website(s) and pages visited;

Monitor viewing and responses to Rabo AgriFinance advertisements.

If you have an account with us and access your accounts online, we will maintain information about your visits. These per-session cookies are for online banking functions and system security. When you close your online banking session, the per-session cookie is deleted. We do not use cookies to record information that will enable anyone to contact you via telephone, e-mail, or regular mail.

Cookies and other technologies provide us the capability to monitor the use of our website(s) so we can continually improve the design and functionality of our websites. Cookies we use do not contain or capture unencrypted personal information. If you choose not to accept cookies from our website(s), then you may not be able to access and use all or part of the website(s) or benefit from the information and services offered. By not choosing to accept cookies, you will still receive advertisements on our website(s), but they will not be tailored to your interests or needs.

Pardot

Rabo AgriFinance uses a marketing automation application called Pardot to analyze how visitors use our website. Pardot uses javascript and cookies to identify website visitors, analyze email campaigns and track website forms. Pardot places a permanent cookie on each website visitor’s device, unless a Pardot cookie is already present on your device. If you have used a website that uses Pardot, your browser may already have stored a Pardot cookie. Rabo AgriFinance may use the Pardot cookie to analyze your use of our website so that we can continuously improve it. Emails sent using Pardot use tracking technologies. Rabo AgriFinance uses this information primarily to find out what topics you’re interested in by monitoring whether our e-mails are opened and which links are clicked. This information will help us to improve the e-mails we send to you and the services we provide.

Pardot is compliant with the "Do Not Track" initiative. You can enable this feature in your browser. Pardot does not use cookie-based tracking for any visitors with that setting enabled. Alternatively, you can also delete cookies from your computer hard drive, block all cookies, or have your browser warn you before a cookie is stored by adjusting your browser settings. Please be aware that if cookies are disabled, not all features of our website may operate as intended. Generally, cookies allow us to determine who you are and thus provide you with better and more personalized services.

Consolidation Websites

Online aggregation, or "screen scraping" services, are available to consumers at little or no cost from a number of other firms. Here's how they work:

You give the service provider the passwords or other access keys to your various account at banks, brokerage houses and other institutions;

The service provider then collects statement information from these institutions' websites on your behalf and aggregates all this information in a single online statement;

Some services also allow you to initiate online payments or other transactions.

Advertising on our Websites

We advertise our products and services, including offers of credit, on pages within our website(s). These advertisements may take the form of banner ads, splash ads (ads that appear as you sign on or sign off of your online accounts), and other formats. We may use information about your relationship with us, such as types of accounts you have, transactional information, or the state in which you reside to tailor advertisements that may be of interest to you.

Online Behavioral Advertising on our Websites

We also use advertising service providers to help us determine which of our advertisements are most likely to be of interest to you using non-personal behavioral information. Other information collected includes the number of people who look at each of the pages of our website(s), search engine referrals, browsing patterns, and responses to advertisements and promotions. We limit access and collection of information for specific purposes by advertising service providers.

Online Behavioral Advertising on other Websites

Some of these ads are online behavioral advertising and may contain cookies that allow monitoring of your response to our advertisements. Cookies placed by these companies do not collect personal information, but may collect information such as IP address, time, type of web browser, time zone, and internet domain. We limit companies that place our ads from using information for any purpose other than to assist us in our advertising efforts.

Linking to other Websites

We may provide links to non-Rabo AgriFinance websites, such as credit bureaus or merchants. If you follow links to websites not controlled by Rabo AgriFinance, you should review their privacy policies and other terms, as they may be different from those of our website(s). Rabo AgriFinance does not guarantee and is not responsible for the privacy or security of these websites, including the accuracy, completeness, reliability or suitability of their information.

We Respect Your Privacy

As technology continues to advance, you can be sure Rabo AgriFinance will provide safeguards to keep your personal financial information confidential and secure. Your trust is important to us - and we are committed to protecting your privacy, whether you do business with us on the Internet, in person, via telephone or mail. Thank you for choosing us as your financial services provider.

Protecting Children's Privacy Online

We do not knowingly collect information from children under 13 without parental consent. If you are under 13, please do not enter your personal information. For more information about the Children's Online Privacy Protection Act (COPPA), visit the Federal Trade Commission website.

Policy Changes

If it is necessary to make changes to our online privacy policies, we will update this policy with a new effective date.

Where to Find Out More

If you have questions, concerns, or comments about our privacy practices, or the way your information is maintained and used, we would like to hear from you. Please contact us:

Rabo AgriFinance Attn: Privacy Officer
14767 N Outer 40 Road, Suite 400,
Chesterfield, Missouri 63017