Privacy Practices:

Information Sharing

Information may be exchanged with credit bureaus and similar organizations, provided when legally required or permitted, or in connection with a fraud investigation.

If we receive a subpoena or similar legal process demanding release of any information about you, we will generally attempt to notify you (unless we believe we are prohibited from doing so). Except as required by law or as described above, we do not share information with other parties, including government agencies.

Farm Credit Services of East Central Oklahoma does not share any customer information with third party marketers offering their products and services.

If you would like to have your name taken off all pre-approved credit solicitations (not just Farm Credit of East Central Oklahoma solicitations), you can write to the following credit reporting agencies. Please be sure to include your name, current address and Social Security number.

Experian
Consumer Opt-Out
P.O. Box 919
Allen, TX 75013

Options
Equifax, Inc.
P.O. Box 740123
Atlanta, GA 30374-0123

Trans Union Corporation
Name Removal Option
P.O. Box 97328
Jackson, MS 39288-7328

How we handle e-mail

We preserve the content of your e-mail, your e-mail address and our response so that we can more efficiently handle any follow-up questions you may have. We also do this to meet legal and regulatory requirements. If we think that a particular Farm Credit Services of East Central Oklahoma account or service might apply to your situation, we may occasionally contact you at your e-mail address to inform you of potential benefits and availability.

If you would like to contact us with questions please use our contact us form. Inquiries sent through our information e-mail form are not secure, and confidential information should not be included. Likewise, since our response back to you is not secure, we will not include confidential account information in the response. You may also contact us by phone, U.S. mail or by visiting your nearest banking center. See our Locator Web pages for additional information about contacting us.

Protecting your privacy online - When information is collected and not collected

We gather and analyze data regarding usage of our web site, including domain name, number of hits, pages visited, length of user session, etc., to evaluate the usefulness of our sites.

Protecting our children

We do not knowingly solicit data from children, and we do not knowingly market to children. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.

Equal Housing Lender

We do Business in Accordance with Federal Fair Lending Laws

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:

Deny a loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling, or to deny any loan secured by a dwelling; or Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan, or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Washington, DC 20410
For processing under the Federal Fair Housing Act
1-800-669-9777 1-800-927-9275 (TDD)

AND TO

Farm Credit Administration
1501 Farm Credit Drive
McLean, Virginia 22102-5090
703-883-4056 703-883-4444 (TDD)

Equal Credit Opportunity Lender

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:

On the basis of race, color, national origin, religion, sex, marital status, or age; Because income is from public assistance; or Because a right has been exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Farm Credit Administration
1501 Farm Credit Drive
McLean, Virginia 22102-5090

Links

By clicking on any of the links on the Links page, you will be leaving the Farm Credit Services of East Central Oklahoma website. Other than the links to the Farm Credit Services of East Central Oklahoma District Associations, the linked websites are not affiliated with Farm Credit Services of East Central Oklahoma in any way, and Farm Credit Services of East Central Oklahoma does not endorse or warrant in any way the products and/or services offered. Farm Credit Services of East Central Oklahoma has received no payment or other promotional considerations from the linked website owner/operator for providing this link.

Links to other websites are provided for your convenience and Farm Credit Services of East Central Oklahoma disclaims responsibility for their content and accuracy. Information is presented without any warranty as to its reliability, accuracy, timeliness, usefulness or completeness.

Privacy Statement

Your privacy is important to us. We want you to know that we hold your financial and other personal information in strict confidence.  Since 1972, Farm Credit Administration (“FCA”) regulations have forbidden the directors and employees of Farm Credit institutions from disclosing personal borrower information to others without your consent.  We do not sell or trade our customers’ personal information to marketing companies or information brokers.

FCA rules allow us to disclose customer information to others only in these situations:

• We may give it to another Farm Credit institution that you do business with.

• We can be a credit reference for you with other lenders and provide information to a credit bureau or other consumer-reporting agency.

• We can, and in some cases are required to, provide information in certain types of legal or law enforcement proceedings.

• FCA examiners may review loan files during regular examinations of our association.

• If one of our employees applies to become a licensed real estate appraiser, we may give copies of real estate appraisal reports to the State agency that licenses appraisers when required.  We will first remove as much personal information from the appraisal report as possible.