This Privacy Policy describes how Flatland Capital, Inc., a Delaware corporation doing business as Flatland Capital Group ("Flatland," "we," "us," or "our"), collects, uses, shares, and protects information in connection with the AgriDraw web portal and the related websites, dashboards, tools, and services we provide (collectively, the "Portal"). This Privacy Policy is incorporated into and forms part of the Flatland Capital Group End User License Agreement (the "EULA"). Capitalized terms used but not defined here, including "Grower," "Retailer," "Manufacturer," "Funder," "Credit Line," "Program," and "User Data," have the meanings given in the EULA.
If you are an individual who applies for or obtains a Credit Line primarily for personal, family, or household purposes, you will also receive our Consumer Privacy Notice, a summary of our practices required by the Gramm-Leach-Bliley Act ("GLBA"). If that notice conflicts with this Privacy Policy with respect to information covered by GLBA, the Consumer Privacy Notice controls.
This Privacy Policy applies to information we collect through the Portal, in communications relating to the Portal, and in the course of administering applications, Credit Lines, and Programs. It applies to all user roles, including Growers, Retailers, Manufacturers, and their personnel. It does not apply to the practices of Funders or other third parties, whose own privacy notices govern the information they hold.
2.1 Identity and Contact Information. Name, business or farm name, mailing address, email address, phone number, and account credentials.
2.2 Application and Financial Information. Information submitted in or with credit applications, including Social Security number or taxpayer identification number, date of birth, income and financial information, requested credit amounts, and information about your operation, in each case as required by the applicable Funder and Program.
2.3 Credit and Verification Information. Consumer and commercial credit reports, credit scores, and identity verification results obtained from credit reporting agencies and verification providers under the authorization described in the EULA and applicable law.
2.4 Transaction and Servicing Information. Draw requests, balances, payment history, purchase and invoice information relating to eligible crop inputs, and servicing communications.
2.5 Business Enrollment Information. For Retailers and Manufacturers, business contact details, enrollment information, authorized user lists, and Program participation records.
2.6 Device and Usage Information. Internet protocol address, browser and device type, operating system, pages viewed, actions taken within the Portal, timestamps, and similar log information collected automatically when you use the Portal.
2.7 Cookies and Similar Technologies. Information collected through cookies, pixels, and similar technologies as described in Section 7.
We collect information (a) directly from you, when you register, apply, transact, or communicate with us; (b) from the Retailer or Manufacturer participating in your Program, when you have authorized them to submit information about you, consistent with Section 10 of the EULA; (c) from Funders, in connection with the origination and servicing of Credit Lines; (d) from credit reporting agencies, identity verification providers, and similar sources, as permitted by your authorization and applicable law; and (e) automatically, through the technologies described in Sections 2.6 and 7.
We use information to: (a) operate, maintain, secure, and improve the Portal; (b) process and facilitate credit applications and administer Credit Lines and Programs, including interest buydown reconciliation with participating Manufacturers and Retailers; (c) verify identity, prevent fraud, and protect the security of the Portal and its users; (d) service accounts and communicate with you about applications, Credit Lines, Programs, and the Portal, consistent with the communication consents in Section 7.4 of the EULA; (e) comply with legal and regulatory obligations, including those applicable to Flatland and to Funders; (f) enforce the EULA and other agreements; and (g) create de-identified and aggregated data that does not identify you or any individual, which we may use for lawful business purposes, including analytics and program design, consistent with Section 13 of the EULA.
5.1 Funders. We share application, credit, transaction, and servicing information with the Funder that originates, funds, holds, or purchases your Credit Line, and with prospective Funders as needed to establish or maintain Program capacity, in each case as permitted by law.
5.2 Program Participants. We share information with the Retailer and Manufacturer participating in the Program under which your Credit Line or enrollment arises, to the extent necessary to administer that Program, consistent with Section 9.2 of the EULA. For example, a Retailer may see the status of a financing application it referred, and a Manufacturer may receive reporting needed to administer an interest buydown.
5.3 Service Providers. We share information with vendors that perform services on our behalf, such as hosting, credit reporting, identity verification, electronic signature, payment processing, communications, and analytics providers. Service providers are permitted to use information only to perform services for us.
5.4 Legal and Safety. We may disclose information to comply with law, regulation, legal process, or governmental request; to enforce our agreements; or to protect the rights, property, safety, or security of Flatland, our users, Funders, or others.
5.5 Corporate Transactions. If Flatland is involved in a merger, acquisition, financing, reorganization, or sale of assets, information may be transferred as part of that transaction, subject to this Privacy Policy or a successor policy.
5.6 With Your Direction or Consent. We share information with other parties when you direct us to or otherwise consent.
5.7 No Sale of Personal Information. We do not sell personal information, and we do not share personal information with nonaffiliated third parties for their own marketing purposes.
6.1 GLBA. Nonpublic personal information about individual consumers is collected, used, and shared in accordance with GLBA and its implementing regulations. Our Consumer Privacy Notice describes the categories of information we collect and share about consumers, the categories of parties with whom we share, and any rights to limit sharing. GLBA permits sharing without an opt-out where necessary to effect, administer, or enforce a transaction that a consumer requests, which includes the sharing with Funders and Program participants described in Sections 5.1 and 5.2.
6.2 FCRA. We obtain and use consumer reports only with authorization and for permissible purposes under the Fair Credit Reporting Act, as described in Section 8 of the EULA, including evaluating applications and servicing, reviewing, renewing, and collecting on accounts.
The Portal uses cookies and similar technologies that are necessary for the Portal to function, such as maintaining your session and remembering your sign-in state, as well as technologies that help us understand how the Portal is used so we can improve it. You can control cookies through your browser settings; disabling necessary cookies may prevent the Portal from functioning. The Portal does not currently respond to browser "Do Not Track" signals. We do not use cookies to serve third-party advertising within the Portal.
You may opt out of marketing emails by using the unsubscribe link in any marketing message and may opt out of text messages by replying STOP, consistent with Section 7.4 of the EULA. Because they are required for your account or by law, you cannot opt out of transactional and servicing communications, such as application status updates, required disclosures, statements, and security alerts, while you maintain an account or an active Credit Line.
We maintain administrative, technical, and physical safeguards designed to protect the security, confidentiality, and integrity of personal information, consistent with Section 9.3 of the EULA and with the safeguards requirements applicable to financial information. These measures include access controls, encryption of sensitive information in transit, and role-based data visibility within the Portal. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
We retain personal information for as long as needed to administer your account, Credit Lines, and Programs, to comply with legal, regulatory, audit, and recordkeeping obligations, to resolve disputes, and to enforce agreements, consistent with Section 20.3 of the EULA. When information is no longer needed for these purposes, we delete it or de-identify it in accordance with our retention practices and applicable law.
11.1 Access and Correction. You may review and update your account and contact information through the Portal or by contacting us at the address in Section 15. Keeping your information accurate and current is also an obligation under the EULA.
11.2 State Privacy Rights. Financial information collected in connection with applications and Credit Lines is generally governed by GLBA and is exempt from many state consumer privacy laws. To the extent a state privacy law grants you rights in other personal information we hold, such as rights to access, correct, or delete that information, you may exercise those rights by contacting us at the address in Section 15, and we will respond as required by the applicable law.
The Portal operates in conjunction with third-party services, including those of Funders, and may link to third-party websites, consistent with Section 14 of the EULA. This Privacy Policy does not apply to third-party sites and services, and we are not responsible for their privacy practices. We encourage you to review the privacy notices of any Funder or other third party with which you interact.
The Portal is intended for users 18 years of age and older, consistent with Section 3 of the EULA, and is not directed to children. We do not knowingly collect personal information from anyone under 18. If you believe a person under 18 has provided personal information through the Portal, contact us at the address in Section 15 and we will delete it.
We may update this Privacy Policy from time to time. For material changes, we will provide notice through the Portal, by email, or by other reasonable means before the changes take effect, consistent with Section 21.2 of the EULA, and we will update the Last Updated date above. Your continued use of the Portal after the effective date of any change constitutes acceptance of the updated Privacy Policy.
Flatland Capital, Inc. d/b/a Flatland Capital Group
1630 1st Ave N, Suite B, PMB #16, Fargo, ND 58102
info@flatlandcapitalgroup.com