Terms and Conditions
Privacy Notice
For purposes of this Privacy Notice, the terms “Terrain”, “We”, “Us” “Our” and “the Associations” refer collectively to American AgCredit, ACA, Farm Credit Services of America, ACA and Frontier Farm Credit, ACA.
By accessing or using this Website, you agree to the terms of this Privacy Notice. This Privacy Notice may change from time to time, and your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check periodically for updates.
This privacy notice only addresses Our activities from this website. In addition, please see the Associations’ respective online privacy statements:
Any other external sites to which this website provides links as a convenience to you, may have their own separate privacy policies and/or notices which we do not control. We are not responsible for the content, privacy or security of third-party sites, including those external sites’ use of cookies and the accuracy, completeness, suitability or reliability of the information provided on those external websites. We strongly suggest that you review the privacy and security policies for each of the linked web sites you visit before supplying them with any personal information.
Any questions or comments about this Privacy Notice may be directed to privacy@agloan.com.
What categories of personal information does Terrain collect?
When you visit the Terrain website, We may collect several types of information from and about you, including:
What are cookies?
A cookie is a small amount of text sent from a website to your computer while visiting the site. The cookie is stored on your hard drive. We use discreet information stored in cookies in order to provide a customized user experience. However, you can set your web browser(s) to prevent cookies from being sent. We collect aggregate data about our users through Google Analytics. We use such aggregate demographic and general interest 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 google.com/policies/privacy/partners/ (“How Google Uses Information from Sites or Apps that Use Our Services”).
The information we collect through cookies does not automatically include personal information, but We may maintain it or associate it with personal information that we collect from other sources or that you provide to Us. If you do not want Us to associate your personal information previously provided to Us with information automatically collected here, you may submit an opt-out request by (i) clicking on this link: Set My Marketing Preferences, or (ii) submitting a request by calling 1-888-412-5759.
Does Terrain sell my personal information?
We do not sell your personal information. We use the above information to provide you with information and content you have requested and to further enhance available services and offerings.
We share your information only in those situations allowed by law or regulation, as follows:
How to limit Terrain’s collection of my personal information?
If, for any reason you would like to be removed from Our marketing distribution list, please email privacy@agloan.com, call 800.800.4865, or click on this link: Set My Marketing Preferences.
For Nevada Residents
We do not sell your personal information. However, if you are a Nevada resident, you may submit a verified request to opt-out of sales and we will record your choice. Opt-out requests may be made by contacting us at privacyresponse@agloan.com or by clicking on this Do Not Sell My Personal Information link.
Nevada law requires us to provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Street, Ste. 3900, Las Vegas, NV 89101; Phone number: 702.486.3132; email: aginfo@ag.nv.gov.
For California Residents
If you are a California resident, subject to verification and some exemptions, you have the right to submit a verified request that We disclose what personal information we have collected about you.
Subject to verification and some exemptions, you also have a right to request deletion of your personal information. We do not sell your personal information, but you may opt-out of the sale of your personal information by calling 888.412.5759, clicking on this Do Not Sell My Personal Information link, or submitting a request in person.
We do not discriminate against anyone who exercises any of their privacy rights.
Link to CCPA Request Form
How does Terrain protect my personal information?
We comply with all applicable state and federal privacy laws. For more information, please visit the Associations’ privacy webpages referenced above.
How to request more information?
Phone: 888.412.5759
Email: privacy@agloan.com
SECURITY MEASURES
We make protecting your privacy a top priority and hold your personal information in strict confidence. Our employees must comply with federal regulations that prohibit unauthorized use of your information. We do not sell your information to third parties. In addition, unless we are required by law, we do not provide your information to anyone (including your accountant or attorney) without your authorization.
LEGAL COMPLIANCE
American AgCredit and Farm Credit Services of America are Equal Employment Opportunity/Affirmative Action employers and conduct business in accordance with the following Federal Fair Lending and Equal Credit Opportunity Acts.
EQUAL EMPLOYMENT OPPORTUNITY AFFIRMATIVE ACTION
The Associations provide equal opportunity in employment to all employees and applicants. We celebrate diversity and do not discriminate on the basis of race, color, creed, religion, national origin, ancestry, alienage or citizenship status, age, sex, sexual orientation, gender identity, gender expression, marital status, genetic information, medical condition, physical or mental disability, pregnancy, childbirth or related medical condition, military service or veteran status, victims of domestic violence, or any other characteristics protected by applicable federal, state, or local laws. The Associations prohibit harassment of any individuals on any of the bases listed above.
UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:
UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:
Children’s Online Privacy Protection Act
This website is not intended for, nor do We conduct business with, children under the age of 13. If a parent or guardian becomes aware that his or her child has provided Personal Information without their consent, he or she should promptly contact Us and We will delete such information from our files. For more information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC website: www.ftc.gov.
Website Terms of Use
Last Modified: 1/16/23
Acceptance of the Terms of Use
These terms of use are entered into by and between You and, collectively, American AgCredit, ACA, Farm Credit Services of America, ACA, and Frontier Farm Credit, ACA (the “Terrain Associations,” “we,” or “us“). The following terms and conditions (“Terms of Use“), govern your access to and use of terrainag.com, including any content, functionality, and services offered on or through terrainag.com (the “Website“).
Please read the Terms of Use carefully before you start to use the Website. By using the Website, you accept and agree to be bound and abide by these Terms of Use and our Privacy Notice, found at https://www.terrainag.com/policies/, incorporated herein by reference. If you do not want to agree to these Terms of Use or Privacy Notice, you must not access or use the Website.
Changes to the Terms of Use
We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the Website thereafter.
Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page so you are aware of any changes, as they are binding on you.
Accessing the Website
We reserve the right to withdraw or amend this Website, and any service or material we provide on the Website, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website.
Intellectual Property Rights
The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by the Terrain Associations and are protected by United States copyright, trademark, and other intellectual property or proprietary rights laws.
These Terms of Use permit you to use the Website for your use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website, except as follows:
You must not:
You must not access or use for any commercial purposes any part of the Website or any services or materials available through the Website.
If you wish to make any use of material on the Website other than that set out in this section, please address your request to: media@terrainag.com
If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Website in breach of the Terms of Use, your right to use the Website will stop immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title, or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by the Terrain Associations. Any use of the Website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark, and other laws.
Trademarks
Terrain, AmericanAg Credit, Farm Credit Services of America, and Frontier Farm Credit, and all related names, logos, product and service names, designs, and slogans are trademarks of one or more of the Terrain Associations. You must not use such marks without the prior written permission of their respective owners.
Prohibited Uses
You may use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website:
Additionally, you agree not to:
Reliance on Information Posted
While the information contained in this site is accurate to the best of our knowledge, it is presented “as is,” with no guarantee of completeness, accuracy, or timeliness, and without warranty of any kind, express or implied. None of the contents on this site should be considered to constitute investment, legal, accounting, tax, or other advice of any kind. In no event will Terrain or any of the Terrain Associations and their respective agents and employees be liable to you or anyone else for any decision made or action taken in reliance on the information in this site.
Changes to the Website
We may update the content on this Website from time to time, but its content is not necessarily complete or up-to-date. Any of the material on the Website may be out of date at any given time, and we are under no obligation to update such material.
Information About You and Your Visits to the Website
All information we collect on this Website is subject to our Privacy Notice found at https://www.terrainag.com/policies/. By using the Website, you consent to all actions taken by us with respect to your information in compliance with the Privacy Notice.
Links from the Website
If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.
Geographic Restrictions
The owners of the Website are based in the United States. We provide this Website for use only by persons located in the United States. We make no claims that the Website or any of its content is accessible or appropriate outside of the United States. Access to the Website may not be legal by certain persons or in certain countries. If you access the Website from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.
Disclaimer of Warranties and Limitation of Liability
Your use of the Website, its content, and any services or items obtained through the Website is at your own risk. The Website, its content, and any services or items obtained through the Website are provided on an “as is” and “as available” basis, without any warranties of any kind, either express or implied. neither the Terrain Associations nor any person associated with them makes any warranty or representation with respect to the completeness, security, reliability, quality, accuracy, or availability of the Website.
Without limiting the foregoing, neither the Terrain Associations nor anyone associated with them represents or warrants that the website, its content, or any services or items obtained through the website will be accurate, reliable, error-free, or uninterrupted, that defects will be corrected, that our site or the server that makes it available are free of viruses or other harmful components, or that the Website or any services or items obtained through the website will otherwise meet your needs or expectations.
To the fullest extent provided by law, the Terrain Associations hereby disclaim all warranties of any kind, whether express or implied, statutory, or otherwise, including but not limited to any warranties of merchantability, non-infringement, and fitness for particular purpose.
To the fullest extent allowed by law, in no event will the Terrain Associations and their respective affiliates, licensors, service providers, employees, agents, officers, or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, the website, any websites linked to it, and/or any content on the website or such other websites.
Indemnification
You agree to defend, indemnify, and hold harmless the Terrain Associations and their respective affiliates, licensors, and service providers, officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the Website, including, but not limited to, any use of the Website’s content, services, and products other than as expressly authorized in these Terms of Use, or your use of any information obtained from the Website.
Arbitration
At any of the Terrain Associations’ sole discretion, they may require You to submit any disputes arising from these Terms of Use or use of the Website, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association applying Delaware law.
Limitation on Time to File Claims
ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THE WEBSITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.
Waiver and Severability
No waiver by any of the Terrain Associations of any term or condition set out in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of any of the Terrain Associations to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.
If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.
Your Comments and Concerns
Any questions or other communications relating to the Website should be directed to: media@terrainag.com.