At MidAtlantic Farm Credit, your privacy and information security is our top priority.
At MidAtlantic Farm Credit, we recognize your expectation of privacy and confidentiality of personal financial information when seeking the assistance of outside professionals to obtain credit. We have taken great care in establishing and implementing policies and procedures to protect your information, and have committed to an ongoing review of those policies and procedures to protect your personal and financial information.
Your privacy is a top priority in all aspects of our business. Our employees are informed of their responsibility to protect your confidential information and are governed by strict standards of conduct, which prohibit unauthorized use of your information. Security procedures and internal controls are also in place to protect your privacy.
Here is how we work to protect your transactions:
- We hold any information customers give us in strict confidence.
- We safeguard customer information according to strict security standards.
- We maintain security standards and procedures to help prevent unauthorized access to confidential information about customers, and we update and test this technology to improve the integrity of our systems.
- We limit the information we collect, and use the minimum amount required to deliver quality service to our customers.
Only authorized employees or approved contractors of MidAtlantic Farm Credit will be permitted to access this information. We do not trade or sell this information to third party organizations. We may provide customer information to other Farm Credit System institutions with your consent or as allowed or required by law or regulations.
Only when needed for the purposes of credit reporting, verification and risk management, we exchange information about our customers with reputable reference sources and clearinghouse services.
Borrower Privacy Statement
Since 1972, Farm Credit Administration (“FCA”) regulations have generally restricted the disclosure of most types of Personal Information and other information provided to us while applying for or obtaining a loan (“Personal Borrower Information”). Specifically, employees and the director of a Farm Credit institution may not disclose the Personal Borrower Information to others without your consent in certain circumstances. We may disclose your Personal Borrower Information and other Personal Information to our employees, contractors, agents, affiliates, third-party service providers, independent auditors, regulators, consultants or attorneys, or to any third-party if otherwise permitted by the FCA regulations applicable to MidAtlantic Farm Credit, such as 12 C.F.R. Part 618, Subpart G, or as otherwise required or permitted by law.
- Description of Collected Information
- Your internet domain (example: company.com) and IP address (a number automatically assigned to your computer when you are using the internet) from which you access our website.
- The type of browser and operating system used to access our website.
- The date and time you accessed our website.
- The pages you visit.
- The address of any website from which you accessed via our website.
We collect aggregate data about our website users through Google Analytics. We use this information to better understand our users so that we may provide better online services. For additional information on how Google Analytics collects and processes data, please see https://policies.google.com/technologies/partner-sites (“How Google Uses Information from Sites or Apps that Use Our Services”).
- Information Collected from Emails and Web Forms
If you complete one of our interactive forms or submit an email through our website, your information will be used as described at the point of collection. It may be seen and used by Farm Credit employees, but we do not give, sell, or transfer any personal information to third parties, unless required by law or under such other permissible purposes set forth by regulation. If you are not comfortable with providing the requested information via email or web forms, please contact us by calling 888.339.3334 or writing us at 45 Aileron Court, Westminster, MD 21157.
On this site, we collect personally identifiable information (name, address, SSN) only if specifically and knowingly provided by you. Farm Credit limited the use and collection of this information to that which is necessary to maintain and administer financial services, provide excellent customer service, and offer new products and services that may be a benefit to you. If, for any reason, you would like to be removed from our distribution list, please contact us at the number or address indicated above, or email email@example.com.
We may use third party suppliers and/or service providers to facilitate our services. For example, we may outsource one or more aspects of our site to a supplier or service provider who performs services according to our requirements. In all cases, we restrict how these suppliers may access, use, or disclose your information. In general, we do not permit these suppliers or service providers to retain, disclose, or sell your information to third parties.
- Whistleblower Hotline
If you suspect or have seen actual wrongdoing involving MidAtlantic, its employees, and/or our directors, you can report it anonymously through our whistleblower hotline (Convercent) at 844.321.9164, or www.convercent.com/report.
- Third Party Website Links
We may periodically offer links to third party websites. While we do our best to provide you with helpful, trustworthy resources, we cannot endorse, approve, or guarantee information, products, services, or recommendations provided at a third party website. Because we may not always know when information on a linked website changes, we are not responsible for the content or accuracy of any third party website. We will not be responsible for any loss or damage of any sort resulting from the use of a link on its website, nor will we be liable for any failure of products or services advertised or provided on these linked websites.
We offer links to you on an “as is” basis. When you visit a third party website by using a link on our website, you will no longer be protected by our privacy statement or security practices. The data collection, use, and security practices of the linked website may differ from the practices of our website. You should familiarize yourself with the privacy statement and security practices of the linked website, as those are the policy and practices that will apply to your use of the linked website – not our policy and procedures.
- Children’s Online Privacy Protection Act
This website is not directed at children, nor do we collect any personally identifiable information from children. If a parent or guardian becomes aware that his or her child have provided personal information without their consent, he or she should promptly contact us at 888.339.3334 and we will delete such information from our files. For more information about the Children’s Online Privacy Protection Act (COPPA), visit ftc.gov.
If you are using a security-enabled browser, the information you provide us is encrypted, making it extremely difficult to read, even if it is wrongly intercepted. Our website uses industry-standard Secure Sockets Layer (SSL) technology to allow for the encryption of potentially sensitive information, such as your name and address, and critically sensitive information, such as your social security number or account number.
For website security purposes and to ensure that this site remains available to all users, traffic on this site is monitored to identify unauthorized attempts to upload or change information or cause damage. Unauthorized attempts to upload or change information on this site are strictly prohibited, and may be punishable under law.
- Email Encryption
Emails sent from MidAtlantic Farm Credit that contain sensitive information are generally encrypted to ensure your privacy. This includes emails with attachments that contain information such as credit reports, loan documents, and wire transfer documents. If you receive an encrypted email from MidAtlantic Farm Credit, you will need to log into a separate system to receive your message. For more information about this, please contact 888.339.3334 or your loan officer.
- Protecting Yourself Online
The following suggestions can help you increase online security:
- Never disclose your username or password to anyone else.
- Never write down your username or password.
- Change your password frequently.
- Don’t use birth dates, names, or other easily guessed terms associated with you personally as a password.
- Create complex passwords that use a combination of lower case, upper case, and numbers. Substitute numbers or letters, such as “3” for “e”, to add strength to passwords.
- Always log out after you have completed an online session.
- Don’t use regular email to send MidAtlantic Farm Credit sensitive information, such as social security numbers or account numbers.
- Don’t open attachments in emails from people you don’t know. Attachments can contain viruses and spyware. Delete unwanted emails.
- Maintain an up-to-date anti-virus software program on your computer to detect and eliminate malicious threats.
- Know what social engineering is and how to protect yourself from it.
For more information on how you can keep yourself safe online, please visit StaySafeOnline.org.
- Mail Solicitations
Occasionally you may receive printed mail that looks like it may come from us, but is in fact from third parties. If you receive mail like this, for example, an offer to lower your loan rate, contact us at 888.339.3334 or your loan officer to discern if the offer is legitimate or not. All official printed correspondence will have our logo, as seen at the top and bottom of this page.
- Phone and Text Message Solicitations
Hackers and marketing scammers impersonate friends, family and businesses through mail, email, phone calls, text messages and social media. It is important to know that we will never request confidential information via email or text message. Unless you exchange cell phone numbers with your Loan Officer, we will never request for you to call us at a strange number or direct you to an automated recording. If you receive a phone call that seems suspicious, hang up immediately and call us directly at 888.339.3334 or contact your Loan Officer to report the incident.
Last updated: June 12, 2019