California consumer Privacy

As of January 1, 2020, Rabobank has updated its Privacy Policy to include a Privacy Notice which informs you of the information that we may collect and how that information may be used in the furtherance of our business relationship. Below is the text of that Privacy Notice. The full Privacy Statement for Rabo AgriFinance LLC may be accessed at https://www.raboag.com/security-privacy/privacy-statement-157 and the full Privacy Statement for Coöperatieve Rabobank U.A. New York Branch may be accessed at https://www.rabobankwholesalebankingna.com/privacy-statement/ 

 

Rabobank Privacy Notice

This Privacy Notice serves to inform individuals of the personal information Rabo AgriFinance LLC, Coöperatieve Rabobank U.A. New York Branch, and their affiliates (collectively referred to herein as ‘Rabobank’) collect and the purpose in which that information is used.  This Privacy Notice supplements the information contained in the online Privacy Statement of Rabobank.  The link to this statement is included at the end of this Notice.    For residents of California, this notice complies with the California Consumer Privacy Act of 2018 (“CCPA”).

 

Your Personal Information We Collect and the Purpose (Use)

Rabobank collects personal and other information that you voluntary provide in order to enable us to deliver the products or services that you have requested, which may come from the following sources:

 

• Information we receive directly from you, including but not limited to information on applications or other forms;
• Information about your transactions with us;
• Information about your transactions with our affiliates; and
• Information from third parties including a consumer reporting agency.

 

Additionally, the following are the general categories of personal information that we may collect:

• Name(s)
• USPS Mailing Address and Physical Address
• Location Device – Internet Provider (IP) Address information: city, region, country internet service provider
• Email address
• Account Name
• Government-Issued (Federal or State) Identification and Numbers
• Phone number(s)
• Banking Information
• Credit Information
• Financial and Identity Verification Information from Credit Reporting Agencies
• Loan Details/Business Needs and Operational Information
• Business Entity Information
• Financial Information
• Military Status
• Citizenship
• Marital Status

• Date of Birth
• Personal Information from U.S. and Foreign Government Registries, as necessary

o   In order to satisfy our legal and regulatory obligations under anti-money laundering, terrorist financing or similar laws.

• Browser type and/or operating system
• User login/authentication data
• Functionality settings that recall user preferences

 

Personal Information does not include: Information that is lawfully made available from federal, state, or local government records and consumer information that is de-identified or aggregate consumer information.

 

Processing (Use) of Your Personal Information

 

We process personal and other information of individuals or of entities (“Subject Entity”) with whom we have, wish to have, or previously had, a direct or indirect relationship. We also provide personal and other information to third parties, to allow us to provide products or services which you seek. This may include:

 

• clients and their representatives;
• persons who show an interest in our products and services; or
• persons who are associated with a business or organization with which we have, wish to have, or previously had, a relationship.

 

Please note: if your business or organization provides us with personal information of employees, you are under the obligation to inform your employees thereof. You may provide your employees with this privacy notice so that they may see how Rabobank treats their personal information.

We require personal and other information to understand your interests and business needs, and in order to provide you with a better consumer experience related to the products and/or services that you seek. In particular, we process personal and other information to:

• enable you to select the business interest and financial needs you seek;
• enable you to engage with business partners that help serve your mission and business goals;
• potentially improve our products and services or inform you about new services or other information that we believe you may find applicable; or,
• enable you to register with our website and subsequently, to receive an email notification that confirms the user’s website account was successfully established.

 

The activities in which we may require personal information from an individual or from an individual associated with a Subject Entity to perform a service or deliver a product include, but are not limited to:

 

a)      responding to an inquiry for the purposes of describing, marketing or selling goods and/or services to you.

b)      entering into a relationship to become a Rabobank client, or if you, as an individual are associated with an entity that wishes to purchase a new product or a new service.  This may include carrying out an investigation to review whether we can accept the individual or Subject Entity as a client or whether we can provide a loan.

c)      receiving a loan or business credit application submitted by an individual.

d)      enabling the establishment of loan account completed by an individual.

e)      providing access to an account established by an individual.

f)       maintaining a relationship with you and to execute payment orders received.

g)      concluding and executing agreements with suppliers and corporate clients in order to ascertain for example, that you are authorized to represent your company or to grant you access to our offices.

h)      developing and improving of our products and services.

i)        engaging in promotional and marketing activities that may be of interest to you, or to better anticipate your needs.

j)        compiling statistics for analysis of visits and use of our websites.

k)     complying with legal requirements or the lawful basis of a contract or to protect your personal interests or that of our organization (such as combating or investigating fraud).

l)       complying with national and international laws and regulations for example, to initiate a (further) investigation if you have certain assets, collaboration with other parties that may pose a risk, or in the event of an unusual transaction in your account or to disclose data about you to a government or regulatory body inside or outside of the United States.

m)   Archiving data only for the potential use in legal proceedings, or for historic, statistical or scientific purposes.

 

We have collected information such as that described above in the last twelve months.   We may disclose personal information our affiliates insofar as reasonably necessary for the purposes, and on the legal bases, set out in this notice to include the processing and delivery of a product or service.  We may also disclose your personal information to third parties that are not related by common ownership or control, such as service providers, credit bureaus and other nonaffiliated third parties when required and permitted by law. 

 

We do not collect more personal information than is necessary for the purposes set forth above.  We require that you do not supply any other person's personal information to us, unless we prompt you to do so.

 

Sharing/Sale of your Personal Information

We may disclose your personal information to a third party for a business purpose.  We also may disclose your personal information to an affiliate, subject to certain limitations as described in our Privacy Statement.  We have not sold and do not plan to sell personal information we have collected. 

 

Other Privacy Information

You also have certain rights associated with your personal information.  Each of these rights is further detailed in the Rabobank Privacy Statement.  Respective Privacy Statements can be found as follows:

 

Rabo AgriFinance Privacy Statement:

https://www.raboag.com/security-privacy/privacy-statement-157

 

Rabobank Wholesale Banking North America Privacy Statement:

https://www.rabobankwholesalebankingna.com/privacy-statement/

 

Contact Information

Rabobank

P.O. Box 411995

Chesterfield, Missouri 63017

(855) 722-7766

RaboPrivacyOffice@rabobank.com