Privacy Policy

Effective Date

This Privacy Policy was last modified on January 1, 2023.

Commitment to Privacy

At CoBank, we are committed to maintaining the confidentiality of financial and other non-public information about our customers and other users of our websites. As a matter of corporate policy, we have implemented procedures, systems and controls at the bank 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 visit our website and our practices for collecting, using, maintaining, protecting and disclosing that information.

Security of Personal Information

We maintain strict security standards and procedures to help prevent unauthorized access to confidential information. We also incorporate physical and electronic safeguards and make every effort to protect the security of personal information. Our website is 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 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 to others.

Information We Collect and Methods of Collection

We collect several types of information from and about users of our website, including information:

• by which you may be personally identified, such as name, postal address, e-mail address, telephone number, user name, password, education, employment history, salary history, financial information, criminal records, or any other information the website collects that is defined as personal or personally identifiable information under an applicable law, and any other identifier by which you may be contacted online or offline ("personal information");
• that is about you but individually does not identify you; and/or
• about your internet connection, the equipment you use to access our website and usage details.

We collect this information:

• Directly from you when you provide it to us.
• Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses and information collected through cookies, web beacons, and/or other tracking technologies.
• From third parties, for example, our business partners.

Information You Provide to Us

The information we collect on or through our website may include:

• Information that you provide by filling in forms on our website. This includes information provided at the time of registering to use our website, submitting an application for employment, whether on the website or via email, posting material, 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 website and of the fulfillment of your transactions. You may be required to provide financial information before placing an order through our website.
• 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 website, or transmitted to other users of the website 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 website 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.

Information We Collect Through Automatic Data Collection Technologies

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

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

The information we collect automatically is statistical data and does not include personal information, but we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our website and to deliver a better and more personalized service, including by enabling us to:

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

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

• 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.
• Local Storage. Certain features of our website may use local stored objects to collect and store information about your preferences and navigation to, from and on our website. Local storage is not managed by the same browser settings as are used for browser cookies.
• Web Beacons. Pages of our the 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).

We do not collect personal information automatically, but we may tie this information to personal information about you that we collect from other sources or you provide to us.

Third-party Use of Cookies and Other Tracking Technologies

Some content or applications, including advertisements, on the website 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 website. 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 CoBank owned and managed websites, we employ several solutions to monitor network traffic and server loads, and to identify unauthorized attempts to access or damage the site. Unauthorized attempts to access, alter, or damage this site 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 website, you are responsible for keeping this password confidential. We ask that you not share your password with anyone. We urge you to be careful about giving out information in public areas of the website like message boards. The information you share in public areas may be viewed by any user of the website.

Unfortunately, the transmission of information via the internet is not completely safe. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the website.

Disclosure of Your Information

We do not sell your personal information. We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may 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 a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of CoBank’s assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal information held by CoBank about our website users is among the assets transferred.
• To fulfill the purpose for which you provide it.
• For any other purpose disclosed by us when you provide the information.
• 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 Conditions of Use.

If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of CoBank, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

External Links

Links to third party websites on this site are provided solely as a convenience to you. If you use these links, you will leave this site and our Privacy Policy is no longer in effect. CoBank does not endorse, sponsor, or otherwise have any control over the operation or the contents of third-party websites accessed through this website. CoBank 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 CoBank website, is subject to that third-party website's own rules and policies. Please read over those rules and policies before proceeding.

Changes to CoBank’s Privacy Policy

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 the website thereafter. If we decide to change our Privacy Policy, we will post the revisions here. 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.

Questions

If you have questions regarding this Privacy Policy, please e-mail your questions by using the Contact link. You may also request information about our disclosure of personal information as explained in this Privacy Policy by using the Contact link, or by writing us at: