This PRIVACY NOTICE FOR CALIFORNIA RESIDENTS supplements the information contained in the Farm Credit of the Virginias, ACA Privacy Policy and applies solely to visitors, users, and others who are residents of the State of California pursuant to Section 17014 of Title 18 of the California Code of Regulations (“consumers” or “you”) and includes our Notice at Collection. We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other applicable California privacy laws. Any terms defined in the CCPA have the same meaning when used in this notice.
We respect your privacy and are committed to protecting the information we collect for all customer and prospective customer interactions. Further, as a member of the Farm Credit System, we are subject to the confidentiality and privacy regulations of the Farm Credit Administration. This Privacy Notice for California Residents is designed to assist you in understanding how we collect, use, disclose and safeguard the personal information relating to California residents covered by the CCPA provided to us in using our website and the services provided through our website.
Under the CCPA, “Personal Information” is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California resident or household. The CCPA does not apply to certain information, such as information collected, processed, sold or disclosed subject to the federal Farm Credit Act of 1971 (“Farm Credit Act”). The specific Personal Information that we collect, use, and disclose relating to a California resident covered by the CCPA will vary based on our relationship or interaction with that individual. For example, this Privacy Notice for California Residents does not apply with respect to Personal Information that we collect about California residents who apply for our products and services which are offered pursuant to the Farm Credit Act.
Information We Collect
We collect certain types of Personal Information in order to maintain and administer financial services, provide customer service, and offer new products and services that might be beneficial to you. The information collected likely identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (e.g. desktop or laptop computer, smart phone, or similar device).
The term “Personal Information” does not include:
- Publicly available information from government records.
- De-identified or aggregated consumer information.
- Information excluded from the CCPA's scope, like:
- Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
- Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA), California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994.
In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:
| Category | Examples | Collected |
|---|---|---|
| (A.) Identifiers | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers. | YES |
| (B.) Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). | A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. | YES |
| (C.) Protected classification characteristics under California or federal law. | Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). | YES |
| (D.) Commercial information. | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | YES |
| (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. | NO |
| (F.) Internet or other similar network activity. | Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement. | YES |
| (G.) Geolocation data. | Physical location or movements. | YES |
| (H.) Sensory data. | Audio, electronic, visual, thermal, olfactory, or similar information. | NO |
| (I.) Professional or employment-related information. | Current or past job history or performance evaluations. | YES |
| (J.) Non-public education information (per the Family Educational Rights & Privacy Act [20 U.S.C. Section 1232g, 34 C.F.R. Part 99]). | Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. | YES |
| (K.) Inferences drawn from other personal information. | Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | YES |
| (L.) Sensitive personal information | Personal information that reveals: (A) A consumer’s social security, driver’s license, state identification card, or passport number. (B) A consumer’s 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. (C) A consumer’s racial or ethnic origin, citizenship or immigration status, religious or philosophical beliefs, or union membership. (D) The contents of a consumer’s mail, email, and text messages unless the business is the intended recipient of the communication. | YES |
How we Collect Personal Information and Categories of Sources from Which Personal Information is Collected
Farm Credit of the Virginias, ACA collects the categories of Personal Information listed above from the following categories of sources:
- Directly from you. For example, from forms, verbal questions and answers, or online submissions that you have completed and provided to us related to the services you inquire about or engage us to perform.
- From third parties. For example, we may receive your Personal Information from vendors and other third parties in the course of providing services to you or when you apply for credit, such as credit bureaus, affiliates or other companies.
- Directly and indirectly from activity on our websites and applications. For example, we automatically collect general information anonymously (such as the type of browser your use, the file names you request, and the domain name from which you made your request) from submissions through our website portal or website usage details collected automatically, and collect aggregate data about our users through Google Analytics.
- From third-party data processors or business partners such as: Farm Market ID, Equipment Data Associates.
- Publicly available databases.
Business Purposes for Collecting Personal Information
Farm Credit of the Virginias, ACA collects Personal Information, for either itself or its business partners or associations, for one or more of the following business purposes:
- To perform services, including maintaining or servicing accounts, providing customer service, processing or fulfilling transactions, verifying customer information, processing payments, providing financing.
- To provide you with information, products or services that you request from us.
- To process your requests, transactions, and payments and prevent transactional fraud.
- To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections.
- To improve our website and present its contents to you.
- For testing, research, analysis and product development.
- As necessary or appropriate to protect the rights, property or safety of us, our clients or others.
- To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
- As described to you when collecting your personal information or as otherwise set forth in the CCPA.
Farm Credit of the Virginias, ACA will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you any required notice.
Disclosing Personal Information
Farm Credit of the Virginias, ACA may disclose your personal information to a service provider or contractor for a business purpose. When we disclose personal information for a business purpose, we may enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract. We do not use or disclose Sensitive Personal Information for purposes other than those set forth in Cal. Civ. Code § 1798.121(a).
In the preceding twelve (12) months, we disclosed the following categories of personal information for a business purpose to service providers or contractors: Categories A, B, C, D, F, G, I, J, K and L
We disclosed the categories of personal information described above for the following business purposes:
- To perform services, including maintaining or servicing accounts, providing customer service, processing or fulfilling transactions, verifying customer information, processing payments, providing financing.
- To provide you with information, products or services that you request from us.
- To process your requests, transactions, and payments and prevent transactional fraud.
- To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections.
- To improve our website and present its contents to you.
- For testing, research, analysis and product development.
- As necessary or appropriate to protect the rights, property or safety of us, our clients or others.
- To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
Sale and Sharing of Personal Information
In the preceding twelve (12) months, we have not shared or sold any personal information. For purposes of this California Privacy Notice, “sold” means selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, Personal Information to a third party for monetary or other valuable consideration. “Share” means sharing, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, Personal Information to a third party for cross-context behavioral advertising.
We do not knowingly collect, share or sell Personal Information of minors under 16 years of age.
Your Rights and Choices
The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
Access to Specific Information and Data Portability Rights
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you any of the following information if we have it:
- The categories of personal information we collected about you.
- The categories of sources for the personal information we collected about you.
- Our business or commercial purpose for collecting that personal information.
- The categories of third parties to whom we disclosed share that personal information for a business or commercial purpose.
- The specific pieces of personal information we collected about you (also called a data portability request).
Deletion Request Rights
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception or good faith, commercially reasonable business justification applies.
We may deny your deletion request if retaining the information is reasonably necessary for us or our service providers to:
- Complete the transaction for which we collected the personal information, provide a good or service that you requested, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract(s) with you.
- Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
- Debug products to identify and repair errors that impair existing intended functionality.
- Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
- Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
- Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.
- Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
- Comply with a present or potential legal obligation.
Correction of Inaccurate Personal Information
You have the right to request we correct inaccurate Personal Information we maintain about you.
Opt-Out of Sale Rights
California residents have the right to direct a business that sells or shares (or may in the future sell or share) Personal Information to stop selling or sharing Personal Information and to refrain from doing so in the future. Farm Credit of the Virginias, ACA does not and will not sell or share (as defined in the CCPA) Personal Information.
Exercising Access, Data Portability, and Deletion Rights
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:
- Calling us at (800) 919-3276.
- Emailing CCPA@FCVirginias.com
Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child. To designate an authorized agent, we will ask that you provide us with legal documentation (such as a power of attorney created pursuant to the California Probate Code) or do either of the following: (1) verify your own identity directly with us; or (2) directly confirm with us that you provided the authorized agent permission to submit the request.
We are not obligated to respond to a verifiable consumer request for access or data portability more than twice within a 12-month period. The verifiable consumer request must:
- Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
- Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
We 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 to in order to release the requested information to you or your authorized agent. We cannot provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.
Making a verifiable consumer request does not require you to create an account with us.
We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.
Response Timing and Format
We will acknowledge receipt of your request within 10 business days of receipt. Pursuant to the CCPA we will attempt to respond to a verifiable consumer request within forty five (45) days of its receipt. If we require more time (up to an additional 45 days), we will inform you of the reason and extension period in writing.
We will deliver our written response by mail or electronically, at your option.
Pursuant to the CCPA any disclosures we provide will cover the twelve (12) month period preceding receipt of the verifiable consumer request (or longer period if requested and required to be provided under applicable law). If we deny (or cannot comply with) the verifiable consumer request, we will explain the reasons why.
We typically do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
Non-Discrimination
Farm Credit of the Virginias, ACA will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
- 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 a different level or quality of goods or services.
- Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
Changes to Our Privacy Notice
We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will notify you through a notice on our website homepage. Your continued use of our website following the posting of changes constitutes your acceptance of such changes. This Privacy Notice was last updated February 12, 2026.
Contact Information for Consumer Requests and Exercise of CCPA Rights
If you have any questions or comments about this notice, our Privacy Statement, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:
Phone: (800) 919-3276
Website: www.FarmCreditofVirginias.com
Email: CCPA@FCVirginias.com
Postal Address: 38 Murray Farm Road, Suite 2, Roanoke, VA 24019
Attn: Compliance Department
Notice at Collection
This notice explains the categories of Personal Information that we collect about residents of California and the business or commercial purposes for which we use such Personal Information.
Categories of Personal Information that We Collect
We collect the following categories of Personal Information. We do not sell or share Personal Information (as such terms are defined in the CCPA), including Sensitive Personal Information.
- Identifiers such as 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.
- Any personal information that identifies, relates to, describes, or is capable of being associated with, a particular individual, including, but not limited to, his or her 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.
- Protected classification characteristics such as age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
- Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an internet website application, or advertisement. - Professional or employment-related information.
- Education information, defined as information that is not publicly available personally identifiable information as defined in the Family Educational Rights and Privacy Act (20 U.S.C. Sec. 1232g; 34 C.F.R. Part 99).
- Inferences drawn from any of the personal information listed above to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
- The following categories of Sensitive Personal Information: A, B C, D, F, G, I, J, K, and L.
Why We Collect Personal Information and How We Use It
The business and commercial purposes for which we collect and use Personal Information depend on, among other things, our relationship or interaction with a specific California resident. Following are the purposes for which we collect and use Personal Information:
- To perform services, including maintaining or servicing accounts, providing customer service, processing or fulfilling transactions, verifying customer information, processing payments, providing financing.
- To provide you with information, products or services that you request from us.
- To process your requests, transactions, and payments and prevent transactional fraud.
- To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections.
- To improve our website and present its contents to you.
- For testing, research, analysis and product development.
- As necessary or appropriate to protect the rights, property or safety of us, our clients or others.
- To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
- As described to you when collecting your personal information or as otherwise set forth in the CCPA.
Information Retention
We will keep Personal Information no longer than necessary to fulfill the purposes described in this Notice at Collection. In accordance with our records retention policy, we will destroy Personal Information after we are no longer required to retain it according to specific retention periods. However, in some instances we may need to retain Personal Information beyond a specified retention period due to regulatory requirements or in response to a regulatory audit or other legal matter.
Privacy Policy
Our general business privacy policy is available for review or download by clicking https://www.farmcreditofvirginias.com/privacy-security.