Advertisement
Not a member of Pastebin yet?
Sign Up,
it unlocks many cool features!
- {
- "data_product" = {
- accepted = 0;
- content = {
- "privacy_policy" = "<p align=\"center\"><strong>(Effective May 25, 2018)</strong></p>\n\n<p>We at Farmer’s Business Network, Inc. and our Affiliates ("FBN Companies," "we," and "us"). know you care about how Your Data is used and shared, and we take your privacy seriously. Please read the following to learn more about our Privacy Policy ("Policy"). </p>\n\n<p align=\"center\"><strong>Core Principles of Farmers Business Network</strong></p>\n\n<ul>\n\t<li>-The Ag Data, Financial Data and Personal Data you provide us is Your Data. We will never sell or provide Your Data to another party without your explicit consent or as you have agreed in this Policy.</li>\n\t<li>-By joining our network and providing us Your Data, you grant us the right to use Your Data for purposes that will enhance the value we provide <em>FBN</em> Members and as described below. This may include using anonymized data from all <em>FBN</em> Members to create insightful models and provide transparent information to the <em>FBN </em>Network.</li>\n\t<li>-We own the Services and the Content, including aggregated and/or anonymized data, analytics, benchmarking, etc.</li>\n\t<li>-You may elect to share Your Data with other <em>FBN </em>Members and you will have full control over who and the type of data you share.</li>\n\t<li>-As a contributory network and community, our Services operate best when <em>FBN</em> Members contribute Ag Data, and we may require you to contribute Ag Data in order to access and use certain Services, such as <em>FBN </em>Price Transparency or <em>FBN</em> Seed Finder.</li>\n\t<li>-You may see advertising or have access to certain opportunities to interact with other companies. We only partner with companies that we trust and, in our judgment, will provide you value.</li>\n\t<li>-If we are ever sold or acquired by another company, this Policy will continue to apply to any successor.</li>\n</ul>\n\n<p> </p>\n\n<p>\U200b<strong>By using or accessing the Services and in any other interactions you may have with us in any manner, you acknowledge that you accept the practices and policies outlined in this Policy, and you hereby consent, to the fullest extent permitted in your jurisdiction, that we will collect, use, and share Your Data in the following ways, which are essential to providing you the Services.</strong></p>\n\n<p>Remember that your use of our Services is at all times subject to the Terms of Service (https://www.farmersbusinessnetwork.com/page/show/tos), which incorporates this Policy. Any terms we use in this Policy without defining them have the definitions given to them in the Terms of Service (https://www.farmersbusinessnetwork.com/page/show/tos).</p>\n\n<p><strong><a id=\"Q1\" name=\"Q1\"></a>Scope. </strong>This Policy covers our treatment of Your Data that you provide to us or that we gather when you are accessing or using our Services, but not to the practices of companies we don’t own or control, or people that we don’t manage. </p>\n\n<p>When we refer to our "Affiliates" we mean our subsidiaries, including, but not limited to, FBN Inputs, LLC, FBN CM LLC, FBN Finance, LLC, Farmer's Business Network Canada, Inc., Yorkton Distributors (1976), Ltd., and FBN BR LLC.</p>\n\n<p>When we refer to "Ag Data" we mean any agricultural data, as broadly understood in the agricultural industry, including, but not limited to, your agronomic data, application data, climate data, harvest data, invoice data, planting data, land data, machine data, pricing data, weather data, and the type of agricultural products or services you use and purchase from us or other parties.</p>\n\n<p>When we refer to “Financial Data” we mean any credit, financial, or payment information, including, but not limited to assets and liabilities, bank account numbers, credit card numbers, credit history, employment history, income sources, payment history, payment preferences, and social security/social insurance number. Note: Financial Data provided by you or gathered about you by us from third parties in connection with a credit application or for other purposes may be subject to and protected by additional terms and conditions listed therein.</p>\n\n<p>When we refer to “Personal Data” we mean any information other than Ag Data or Financial Data, including, but not limited to: (a) Company name, points of contact, account users, employees, agents, responsible parties, etc., (b) contact information including, but not limited to, email address, business phone numbers, address, etc., (c) your pictures and likeness, (d) communications, information or other materials that you provide us, and (e) business relationship information, including information relating to your agreements with us, preferences, etc.</p>\n\n<p>When we refer to “Data” we mean all three types of data defined above, and when we refer to “Your Data” we mean data that you own and have granted us a license to use.</p>\n\n<p>We gather various types of Data from our Users in order to:</p>\n\n<ol>\n\t<li>we collect Personal Data from you to establish and manage our relationship with you, including setting up your user account and profile, contacting you about our Services, managing your account, etc.;</li>\n\t<li>analyze, personalize and update the Service;</li>\n\t<li>we collect Financial Data to determine your financial eligibility for our Services, extended terms or financing, manage our level of risk, administer or service your account, make reports to credit reporting agencies, as needed, collect on your debt, including through collection or legal proceedings, and as otherwise necessary for the provision of extended terms and/or financing and the protection of our business;</li>\n\t<li>send you marketing materials and information that we believe may be of interest to you;</li>\n\t<li>protect us against error, fraud, theft and damage to our goods and property;</li>\n\t<li>enable us to comply with applicable laws or regulatory requirements; and,</li>\n\t<li><a id=\"Q6\" name=\"Q6\"></a>for any other permitted business purposes.</li>\n</ol>\n\n<p>Since we only work with businesses and their authorized representatives, we do not knowingly collect or solicit Data from anyone under the age of 13. If you are under the age of 13, please do not attempt to register for the Services or send any Data. If we learn that we have collected Data from a child under the age of 13, we will delete that information as quickly as possible. If you believe that a child under the age of 13may have provided us Data, please contact us at <a href=\"mailto:info@farmersbusinessnetwork.com\">info@farmersbusinessnetwork.com</a>.</p>\n\n<p><strong>Changes. </strong>We’re always working to improve the Services, so this Policy may need to change along with the Services. We reserve the right to change this Policy at any time, but if we do, we will bring it to your attention by placing a notice on the website, by sending you an email, and/or by some other means. If you don’t agree with the new Policy, you are free to reject them; but that means you will no longer be able to use the Services.</p>\n\n<p><strong>Information Collection.</strong></p>\n\n<p><strong><em>Information You Provide to Us. </em></strong>Your Data may be transmitted to/from and stored by us or third party service providers in the U.S., Canada, and other countries such as Romania where we conduct engineering and software development. As such, Your Data may potentially be accessible to the law enforcement and national security authorities of those jurisdictions. For example, through the account registration process and/or through your account settings, we may collect Personal Data. We may also collect Financial Data in order to process a loan application. Certain information may be required to register with us, to take advantage of some of our features, or to order products from us.</p>\n\n<p>We may communicate with you if you’ve provided us the means and consent to do so. We may use your Personal Data to send confirmations, promotions, invoices, technical notices, updates, security alerts, support, and administrative messages. For example, if you’ve given us your email address, we may send you promotional email offers on behalf of other businesses or if you have asked us to provide those businesses with you contact information so they can follow up with you, or email you about your use of the Services. Also, we may receive a confirmation when you open an email from us. This confirmation helps us make our communications with you more interesting and improve our services. If you do not want to receive communications from us, please indicate your preference by emailing info@farmersbusinessnetwork.com.</p>\n\n<p><strong><em>Information Collected Automatically; Cookies. </em></strong>Whenever you interact with our Services, we automatically receive, cache, and record information from your browser or device, which may include your IP address and domain used to access our Services, location, device identification, “cookie” information, the type and version of browser and/or device you’re using to access our Services, the page or feature you requested, and the page you entered and exited at (“Traffic Data”). “Cookies” are identifiers we transfer to your browser or device that allow us to recognize your browser or device, record your preferences, and tell us how and when pages and features in our Services are visited, by how many people and for how long. We may use Traffic Data to provide support services to individually identified users. You may be able to change the preferences on your browser or device to prevent or limit your device’s acceptance of cookies, but this may prevent you from taking advantage of some of our features.</p>\n\n<p>Our Services include links to third party sites, content and ads that we believe <em>FBN </em>Members may find useful. Our linking to third party sites does not constitute a recommendation or endorsement by us of any content or information available through such site. These third parties may also transmit cookies to your browser or device, when you click on ads that appear on the Services. Also, if you click on a link to a third party website or service, a third party may also transmit cookies to you. Again, this Policy does not cover the use of cookies by any third parties, and we aren’t responsible for their privacy policies and practices. Please be aware that cookies placed by third parties may continue to track your activities online even after you have left our Services, and those third parties may not honor “Do Not Track” requests you have set using your browser or device.</p>\n\n<p>We may use the Traffic Data we collect to customize content for you that we think you might like, based on your usage patterns. We may also use it to improve the Services – for example, this data can tell us how often users use a particular feature of the Services, and we can use that knowledge to make the Services interesting to as many users as possible, or for any and all permitted business purposes.</p>\n\n<p><strong><em>Information We May Collect From Other Sources. </em></strong>As a general rule, we collect information directly from you. In most circumstances, where the information we collect about you is held by a third party, we will obtain your permission before we seek out this information from such sources (such permission may be given directly by you, or implied from your actions.) From time to time, we may utilize the services of third parties and may also receive data collected by those third parties in the course of the performance of their services for us or otherwise. Where this is the case, we will take reasonable steps to ensure such third parties have represented to us that they have the right to disclose your information to us. When permitted by applicable law or regulatory requirements, we may collect information about you from other sources without your knowledge or consent.</p>\n\n<p>We may also collect market-related information, which may include information concerning market trends and activities impacting our business or your business. This information may include contract terms, financial information and other information for the purpose of market analysis and strategic planning. In addition, we may also collect information related to our media, investor and public relations activities and information related to our interactions with financial and other advisors.</p>\n\n<p>Our operations include, but are not limited to, activities related to: (i) creating and maintaining a farmer-to-farmer agronomic information network; (ii) using data science and machine learning to provide <em>FBN</em> Members with insights about each of their fields; (iii) the sale of farming related goods and services; and (iv) crop marketing. As such, we may also collect information from and about individuals and businesses participating in and/or impacted by these business activities.</p>\n\n<p><strong><em><a id=\"Q4\" name=\"Q4\"></a>Information Collected From Other Websites and Do Not Track Policy. </em></strong>Through cookies we place on your browser or device, we may collect information about your use of our Services including the website visited prior to reaching www.farmersbusinessnetwork.com. We do not collect information about your online activity after you leave our Services. Just like any other usage information we collect, this information allows us to provide and improve the Services and customize your online experience, and otherwise as described in this Policy. Your browser may offer you a “Do Not Track” option, which allows you to signal to operators of websites and web applications and services (including behavioral advertising services) that you do not wish such operators to track certain of your online activities over time and across different websites. When you turn on the Do Not Track function in your browser, we stop collecting the information from your browser that allows us to tailor advertisements and other content specifically to you that is based on your visits to our advertising partners’ websites. Specifically, we stop collecting information from the unique browser cookie that links your browser to visits to third party sites. Do Not Track signals are set on a browser-by-browser basis, so you must set them on every browser you use if you do not wish to be tracked. Remember that this is just <em>our</em> Do Not Track policy, and we can’t and don’t make any promises about how third parties react when you set this signal on your browser.</p>\n\n<p><strong>Sharing of Your Data. </strong>We neither provide nor sell your Your Data in personally identifiable form to anyone except as expressly permitted. However, we may share Your Data with third parties as described in this Policy, our Terms of Service or when you provide your consent.</p>\n\n<p>We reserve the right to access, read, preserve, and disclose Your Data, as follows:</p>\n\n<ol>\n\t<li>as permitted or required by applicable laws or regulatory requirements, including, but not limited to, comply with search warrants, subpoenas or court orders;</li>\n\t<li>internally, across FBN Companies to provide you the Services;</li>\n\t<li>to enforce or apply our Terms of Service and other agreements;</li>\n\t<li>to protect the rights, property, or safety of FBN Companies, our employees, our <u>Users</u>, or others; and,</li>\n\t<li>when you have submitted a credit application, we may share Personal Data and Financial Data with (a) credit bureaus, credit reporting agencies, and financial institutions to confirm your financial situation and your initial and ongoing eligibility, (b) persons retained to administer or service your account, (c) persons involved in the financing or securitization or facilitation of the financing or securitizing of our business for the purpose of providing or facilitating such financing or securitization, and (d) other persons as necessary in connection with your credit application and the protection of our business.</li>\n</ol>\n\n<p><strong><em>Information that’s no longer personally identifiable.</em></strong> We may anonymize Your Data so that you are not personally identified, and provide that information to our partners and third party service providers and make it available through our Services. We may also provide aggregate usage information to our partners, who may use such information to understand how often and in what ways people use our Services, so that they, too, can provide you with an optimal online experience. However, we never disclose Your Data to a partner in a manner that would directly identify you personally, as an individual.</p>\n\n<p>We may allow advertisers and/or merchant partners (“Advertisers”) to choose the demographic information of users who will see their advertisements and/or promotional offers and you agree that we may provide any of the information we have collected from you in non-personally identifiable form to an Advertiser, in order for that Advertiser to select the appropriate audience for those advertisements and/or offers. For example, we might use the fact you are located in Omaha to show you ads or offers for Omaha businesses, but we will not tell such businesses who you are. Or, we might allow Advertisers to display their ads to users with similar usage patterns to yours, but we will not disclose usage information to Advertisers except in aggregate form, and not in a manner that would identify you personally. Note that if an Advertiser asks us to show an ad to a certain audience or audience segment and you respond to that ad, the Advertiser may conclude that you fit the description of the audience they were trying to reach.</p>\n\n<p>We may deliver a file to you through the Services (known as a “web beacon”) from an ad network. Web beacons allow ad networks to provide anonymized, aggregated auditing, research and reporting for us and for advertisers. Web beacons also enable ad networks to serve targeted advertisements to you when you visit other websites. Because your web browser must request these advertisements and web beacons from the ad network’s servers, these companies can view, edit, or set their own cookies, just as if you had requested a web page from their site. You may be able to opt-out of web beacon tracking <a id=\"Q3\" name=\"Q3\"></a>conducted by third parties through our Services by adjusting the Do Not Track settings on your browser; please note that we don’t control whether or how these third parties comply with Do Not Track requests.</p>\n\n<p><strong><em>Third Party Service Providers</em></strong><strong>.</strong> We employ other companies and people to perform tasks on our behalf and we may need to share Your Data with them to provide Services to you. For example, we may share Your Data with our third party IT, data processing and payment processing service providers so that we can operate our business. We do not reveal personally identifiable Data to parties outside our affiliates for their independent use unless: (1) you request or authorize it; (2) the information is provided to help complete a transaction initiated by you; (3) the Financial Data is provided to a credit bureau or similar information reporting agency; or (4) the disclosure otherwise is lawfully permitted or required. Any third-party service providers which are engaged by us must agree to follow the privacy standards set by this <a id=\"Q10\" name=\"Q10\"></a>Policy or similar standards that are equally protective of our members</p>\n\n<p><strong><em>Sharing Your Data with Other FBN Members and Professionals.</em></strong> Please note that the Services allow you to share Your Data with other parties, including other <em>FBN </em>Members and Professionals and you should make sure your sharing settings are configured to your preferences before sharing Your Data by: (1) clicking on "Account", (2) clicking on "My Team", (3) clicking on "Edit Team Member" next to person you wish to share Your Data with, (4) clicking "Manage Permissions", and (5) selecting your sharing preferences. To the extent you share Your Data with others, you grant them a license to use and exercise all rights in Your Data, as permitted by the functionality of the Services. We are not responsible for how others use Your Data, or the advice or information they provide you when you share Your Data.</p>\n\n<p><a id=\"Q7\" name=\"Q7\"></a></p>\n\n<p><strong><em>Business Transfers</em></strong>. We may choose to buy or sell assets. If we (or our assets) are acquired, or if we go out of business, enter bankruptcy, or go through some other change of ownership, or a grant of a security interest in all or part of us through, for example, an asset share or share sale, or some other form of business combination, merger or joint venture, Your Data could be one of the assets transferred to or acquired by a third party. Even if that happens, this Policy (including the provisions governing changes to this Policy) will continue to apply to the use of Your Data.</p>\n\n<p><strong>Security of Personal Information. </strong>Your account is protected by a password for your privacy and security. You must prevent unauthorized access to your account and Your Data by selecting and protecting your password appropriately and limiting access to your computer or device and browser by signing off after you have finished accessing your account.</p>\n\n<p> </p>\n\n<p>We endeavor to protect the privacy of your account and Your Data, but unfortunately, we cannot guarantee complete security. Unauthorized entry or use, hardware or software failure, and other factors, may compromise the security of user information at any time. In the event of a breach of Your Data by an unauthorized person, we will investigate and if necessary, provide notice to you by email or upon your next log in.</p>\n\n<p><strong>Access. </strong>Through your account settings or if requested in writing, you may access, and, in some cases, edit certain types of Your Data, which may change as the Services change. If you have any questions about viewing or editing Your Data, please contact us</p>\n\n<p>at <a href=\"mailto:info@farmersbusinessnetwork.com\">info@farmersbusinessnetwork.com</a>. When you update Your Data, however, we may maintain a copy of the unrevised Data in our records. There are instances where applicable law or regulatory requirements allow or require us to refuse to provide some or all of the Data we have about you. In addition, the Data may have been destroyed, erased or made anonymous in accordance with our record retention obligations and practices. In the event that we cannot provide you with access to Data, we will endeavor to inform you of the reasons why, subject to any legal or regulatory restrictions. </p>\n\n<p><strong>FOR CALIFORNIA USERS ONLY: </strong>Under California Civil Code Sections 1798.83-1798.84, California residents are entitled to ask us for a notice identifying the categories of Personal Data that we share with our affiliates and/or third parties for marketing purposes, and providing contact information for such affiliates and/or third parties. If you are a California resident and would like a copy of this notice, please submit a written request to: legal@farmersbusinessnetwork.com.</p>\n\n<p><strong><a id=\"Q5\" name=\"Q5\"></a>Choice. </strong>It is important to us that we collect, use or disclose Your Data only where we have your consent to do so. Depending on the sensitivity of Your Data, your consent may be implied, deemed (using an opt-out mechanism) or express. Express consent can be given orally, electronically or in writing. Implied consent is consent that can reasonably be inferred from your action or inaction. For example, when you enter into an agreement with us, we will assume your consent to the collection, use and disclosure of Your Data for purposes related to the performance of that agreement and for any other purposes identified to you at the relevant time. Typically, we will seek your consent at the time that we collect Your Data. In certain circumstances, your consent may be obtained after collection but prior to our use or disclosure of Your Data. If we plan to use or disclose Your Data for a purpose not previously identified (either in this Policy, our Terms of Service or separately), we will endeavor to advise you of that purpose before such use or disclosure. As we have described above, we may collect, use or disclose Your Data without your knowledge or consent where we are permitted or required to do so by applicable law or <a id=\"Q8\" name=\"Q8\"></a>regulatory requirements. You can always opt not to disclose Your Data to us, but keep in mind some Data may be needed to register with us or to take advantage of some of our Services.<a id=\"Q9\" name=\"Q9\"></a></p>\n\n<p><strong>Termination and Portability</strong>. You may request that we return a copy of any Ag Data that you submitted in the format that it was uploaded, or an equivalent format, by contacting us at <a href=\"mailto:info@farmersbusinessnetwork.com\">info@farmersbusinessnetwork.com</a> at any time during your membership and for thirty (30) days thereafter.</p>\n\n<p> </p>\n\n<p>After termination, we may continue to retain and use Your Data consistent with this Policy and our Terms of Service, or we may delete Your Data after thirty (30) days, but we are under no obligation to do so. In certain cases, there may be technological or regulatory limitations to our ability to delete Your Data.</p>\n\n<p><strong>Interpretation of this Policy </strong>Any interpretation associated with this Policy will be made by our Privacy Officer. This Privacy Policy includes examples but is not intended to be restricted in its application to such examples; therefore, where the word "including" is used, it shall mean "including without limitation".</p>\n\n<p>FOR CANADIAN USERS ONLY: This Policy does not create or confer upon any individual any rights, or impose upon us any rights or obligations outside of, or in addition to, any rights or obligations imposed by Canada's federal and provincial privacy laws, as applicable. Should there be, in a specific case, any inconsistency between this Policy and Canada's federal and provincial privacy laws, as applicable, this Policy shall be interpreted, in respect of that case, to give effect to, and comply with, such privacy laws.</p>\n\n<p><strong>Contact. </strong>If you have any questions or concerns regarding this Policy, please contact our Privacy Officer and we will endeavor to answer your questions and advise you of any steps taken to address the issues raised by you. If you are dissatisfied with our response, you may be entitled to make a written submission to the Privacy Commissioner in your jurisdiction. The contact information for our Privacy Officer is as follows:</p>\n\n<p> Farmer's Business Network, Inc.</p>\n\n<p> Attn: Privacy Officer</p>\n\n<p> 388 El Camino Real</p>\n\n<p> San Carlos, CA 94070</p>\n\n<p> Email: legal@farmersbusinessnetwork.com</p>\n\n<p> </p>\n\n<p id=\"policy-revision\"><strong>Change Log. This change log is a summary only. You are responsible for reading and understanding this Policy.</strong></p>\n\n<p><strong>May 25, 2018: </strong>Following revisions: </p>\n\n<p><strong>Information Collected. </strong>Clarified the types of information collected, how we use it and when we share it.</p>\n\n<p><strong>Termination and Portability. </strong>Clarified that after termination we may continue to use Your Data consistent with this Policy and our Terms of Service, or we may elect to delete it, if technologically possible.</p>\n\n<p><strong>Consent. </strong>Described how your consent is obtained to use Your Data and how you may opt out.</p>\n\n<p><strong>Data Definitions.</strong> Clarified the types of Data that we handle and how we define each.</p>\n\n<p><strong>Access to Your Data. </strong>Clarified when and how you can request access to Your Data.</p>\n\n<p><strong>Canadian Members. </strong>Added terms throughout that are applicable to our Canadian Members.</p>\n\n<p><strong>Data Storage and Transmission. </strong>Disclosed where Your Data may be transmitted to/from and stored.</p>\n\n<p><strong>Contact. </strong>Specified that you should contact our Privacy Officer if you have questions or concerns about this Policy.</p>\n\n<p><strong>Interpretation. </strong>Provided clarification as to how this Policy should be interpreted.</p>\n\n<p><strong>Scope. </strong>Clarified that this Policy applies to all of your interactions with us.</p>\n\n<p><strong>Sharing Settings. </strong>Clarified that you should check your sharing settings anytime you share Your Data with others. </p>\n\n<p><strong>Affiliates. </strong>Defined who are affiliates of Farmer's Business Network, Inc.</p>\n\n<p> </p>\n\n<p><strong>February 10, 2016: </strong>Following revisions:</p>\n\n<p><strong>Affiliates.</strong> Clarified this policy applies to Personal Information you share with our affiliates, including FBN Inputs, LLC and FBN Capital, LLC.</p>\n\n<p><strong>Scope</strong>. Clarified that when we refer to your “Data” in this policy we are referring to both your “Personal Information” or “Ag Data.” Some of the provisions of this policy apply only to a specific categories of information and in those cases we continue to refer to Personal Information of Ag Data.</p>\n\n<p><strong>Information Collection</strong>. Expanded scope of Personal Information you may provide to us to include information on your personal and financial affairs, such as financial and tax information used in a loan application.</p>\n\n<p><strong>Sharing of Personal Information—Third Party Service Providers. </strong>Clarified the circumstances in which we share your Personal Information with third party service providers.</p>\n\n<p><strong>Termination and Portability</strong>. Referenced the termination procedures specified in the Terms of Service. Added a portability commitment that allows you to request that we return a copy of any Ag Data that you submitted in the format that you originally submitted it.</p>\n\n<p><strong>March 31, 2015: </strong>Following revisions:</p>\n\n<p><strong>Definitions.</strong> Updated the definition of Personal Information so that it is used consistently throughout the policy. It covers your “personally identifiable information” that you provide to us or that we gather when you are accessing or using our Services.</p>\n\n<p><strong>Mobile Apps.</strong> Updated the definition of the scope of our services to include mobile applications.</p>\n\n<p><strong>Privacy Policy Changes.</strong> Clarified how we can update the privacy policy. We will notify you of the changes by placing a notice on farmersbusinessnetwork.com and by sending you an email. On your next visit to www.farmersbusinessnetwork.com, you will be asked to agree to the updated privacy policy. If you don’t agree, you may decline, but this means you will no longer be able to use our services.</p>\n\n<p><strong>Communicating with you.</strong> Added that we may use your Personal Information to send confirmations, promotions, invoices, technical notices, updates, security alerts, and support and administrative messages.</p>\n\n<p><strong>Traffic Data.</strong> Clarified that we may use Traffic Data—such as what page(s) within Services a member visits—to provide support services to individually identified users.</p>\n\n<p><strong>Third Party Links.</strong> Clarified that our Services may include links to not only our advertising partners but also third party sites, content and ads that we believe our members may find useful.</p>\n\n<p><strong>Account Settings.</strong> Changed the Personal Information you can update in your account settings to include your address and payment information.</p>\n\n<p><strong>June 11, 2014:</strong> First version.</p>\n\n<p><a href=\"https://www.agdatatransparent.com/certified/fbn\" target=\"_blank\"><img alt=\"Ag Data Transparent Seal\" src=\"https://s.farmersbusinessnetwork.com/AgData_Logo_Solid_RGB.png\" style=\"width: 150px; height: 150px;\" /></a></p>\n\n<p> </p>";
- tos = "<p align=\"center\"><strong>(Effective May 25, 2018)</strong></p>\n\n<p>We at Farmer's Business Network, Inc. and our Affiliates firmly believe that Ag Data can be essential to your farm's profitability, and when anonymously aggregated along with tens of millions of contributing acres, can be even more beneficial to your farm. This is the central premise of <em>Farmers Business Network<sup>SM</sup>,</em> that thousands of independent farmers working together are stronger and more profitable than being totally on your own. We exist to be your partner in building a better future for farmers. The security, privacy, and integrity of your information is something we take seriously - both in principle and practice with our technology and these Terms of Service. We wish that a simple handshake between business partners would suffice for this agreement. Unfortunately, current laws and regulations, and the <a id=\"Q2\" name=\"Q2\"></a>nature of internet businesses necessitate that we protect both parties. To learn more about the Terms of Service, please read on.</p>\n\n<p align=\"center\"><strong>Core Principles of Farmers Business Network </strong></p>\n\n<ul>\n\t<li>-The Ag Data, Financial Data and Personal Data you provide us is Your Data. We will never sell or provide Your Data to another party without your explicit consent or as you have agreed by consenting to these Terms.</li>\n\t<li>-By joining our network and providing us Your Data, you grant us the right to use Your Data for purposes that will enhance the value we provide our members and as described below. This may include using anonymized data from all our members to create insightful models and provide transparent agronomic, product, and market information to the <em>FBN </em>Network. </li>\n\t<li>-We own the Services and the Content, including aggregated and/or anonymized data, analytics, benchmarking, etc.</li>\n\t<li>-You may share Your Data with other <em>FBN </em>Members and Professionals and you will have full control over who and the type of data you share .</li>\n\t<li>-As a contributory network and community, our Services operate best when <em>FBN</em> Members contribute Ag Data, and we may require you to contribute Ag Data in order to access and use certain Services, such as <em>FBN </em>Price Transparency or <em>FBN</em> Seed Finder.</li>\n\t<li>-You may see advertising or have access to certain opportunities to interact with other companies. We only partner with companies that we trust and, in our judgment, will provide you value.</li>\n\t<li>-If we are ever sold or acquired by another company, these Terms will continue to apply to any successor.</li>\n</ul>\n\n<p> </p>\n\n<p><strong>THESE TERMS OF SERVICE (THE “TERMS”) ARE A BINDING CONTRACT BETWEEN YOU AND US. YOU MUST AGREE TO AND ACCEPT ALL OF THE TERMS, OR YOU DON’T HAVE THE RIGHT TO ACCESS OR USE THE SERVICES AVAILABLE AT AND THROUGH OUR WEBSITES, MOBILE APPLICATIONS, OR ANY OTHER <em>FBN</em> PRODUCTS OR SERVICES (THE “SERVICES”). THESE TERMS APPLY TO ALL USERS OF THE SERVICES ("USERS), INCLUDING, BUT NOT LIMITED TO, <em>FBN </em>MEMBERS AND INDIVIDUALS OR BUSINESSES WITH PROFESSIONAL ACCOUNTS, SUCH AS AGRONOMISTS, APPLICATORS, EXPERTS, CONSULTANTS, ETC. (COLLECTIVELY, "PROFESSIONALS"). BY USING THE SERVICES IN ANY WAY, YOU AGREE TO ALL OF THESE TERMS, AND THESE TERMS WILL REMAIN IN EFFECT WHILE YOU USE THE SERVICES.</strong></p>\n\n<p><strong>IMPORTANT NOTICE: DISPUTES ABOUT THESE TERMS OR RELATING TO THE SERVICES GENERALLY MUST BE RESOLVED BY BINDING ARBITRATION AND ON AN INDIVIDUAL BASIS ONLY.</strong></p>\n\n<p>These Terms include the provisions in this document, as well as those in our Privacy Policy (“Privacy Policy”) available at <a href=\"https://www.farmersbusinessnetwork.com/page/show/privacy-policy\">https://www.farmersbusinessnetwork.com/page/show/privacy-policy</a>. We define Your Data, Ag Data, Financial Data and Personal Data and how we use each category of information in the Privacy Policy. Any terms we use in these Terms without defining them have the definitions given to them in the Privacy Policy (https://www.farmersbusinessnetwork.com/page/show/privacy-policy).</p>\n\n<p><strong>Eligibility. </strong>You represent and warrant that you are an individual of legal age in your jurisdiction and have the authority to agree to these Terms on behalf of your farm enterprise or company and to bind them to these Terms (references to “you” and “your” in these Terms, refer to you, your farm enterprise or company and its employees, agents and account users). To the extent consistent with applicable law, these Terms establish a business-to-business, commercial and non-consumer relationship.</p>\n\n<p><strong>Fees. </strong>Your right to use certain Services is subject to your continued and timely payment of all applicable fees for those Services (“Paid Services”) and outstanding balances owed to any of the FBN Companies. Any payment terms or “free trial” terms presented to you in the process of using or signing up for Paid Services are part of these terms. Please visit our payment page at <a href=\"http://www.farmersbusinessnetwork.com/\">www.farmersbusinessnetwork.com</a> for information about membership costs and renewal fees.</p>\n\n<p><strong>Recurring Charges/ Automatic Renewal Conditions</strong>. For our annual or multi-year membership services, you agree that your default payment card will automatically be charged by us (through our payment card processing service provider) each year (or on the applicable anniversary for multi-year subscriptions) at the then-current applicable membership rate (see Price Adjustments, below), until you cancel your membership or until prohibited by applicable law. If your default payment card does not process or honor payment, we reserve the right to automatically charge any other payment cards connected to your account. You may cancel your annual subscription by contacting FBN Support (phone: 1.844.200-FARM or email support@farmersbusinessnetwork.com) or directly through your account at any time. If you wish to terminate your membership and avoid a charge for the subsequent year, you must do so at least two (2) days before the annual renewal date of your membership. The annual renewal date is the same day of the year that you first signed up. If you do not cancel at least two (2) days before the annual renewal date for your membership, but you do cancel before your annual renewal date, contact us for a refund. If you cancel after your annual renewal date, you may be charged for that year and your cancellation would then be effective the following year, subject to applicable law. We will not send you an annual statement. Receipts for recurring charges can be viewed and printed from your account. If you revoke authorization to charge your payment card, or if for any reason your payment card issuer does not process or honor payment, we reserve the right to cancel your subscription or suspend your use of the Services.</p>\n\n<p><strong>Price Adjustments</strong>. We may modify our prices at any time or modify which Services are included. If we modify our price for any membership which renews automatically, we will give you notice, either in your account or through other means, of the new prices at least thirty (30) days before the beginning of the renewal term in which the prices will be effective. If you (i) do not cancel your subscription as described in the ‘Recurring Charges/Automatic Renewal Conditions’ section above, or (ii) are located in a jurisdiction that requires your explicit agreement, you agree to the new prices and authorize us to charge your payment card accordingly.</p>\n\n<p><strong>Payment Methods. </strong>For membership related charges, we only accept credit cards and checks. For <em>FBN Direct</em><sup>SM</sup> purchases, we only accept ACH payments, credit cards, and checks. We reserve the right to charge you any processing or transaction fees. When we partner with third parties, such as NACHA, Stripe, Plaid, or banks, to offer you different payment methods, you are solely responsible for reviewing and complying with those third parties' respective terms and conditions, and for completing any required authorization forms or other documents requested by us or those third parties. Furthermore, you consent to us disclosing your Financial Data and Personal Data to such payment processors for purposes of processing payment. We reserve the right to add or discontinue any payment method at any time and without notice. Note: Certain payment methods may not be available for all Services or all Users. </p>\n\n<p><strong>Services. </strong>You understand that FBN Companies owns the Services. The information provided and materials displayed or performed or available on or through the Services, including, but not limited to, text, graphics, aggregated and/or anonymized data, analytics, benchmarking, compilations, articles, photos, images, illustrations, Your Data, and so forth (all of the foregoing, the “Content”) are protected by copyright, trademark, trade secret and/or other intellectual property laws. We own the Content presented or available through the Services other than Your Data or other third party content that we make available through the Services. You promise that you won’t use, copy, reproduce, modify, translate, publish, broadcast, transmit, distribute, perform, upload, display, license, sell or otherwise exploit for any purpose any Content not owned by you without the prior consent of the owner of that Content.</p>\n\n<p><strong>Service Availability.</strong> Our Services are currently available only to Users based in and using the Services in certain parts of the U.S. and Canada. Our Services are not available in all locations (e.g., not available in Quebec) and are subject to applicable federal, state/provincial, and local law. For example, <em>FBN Direct</em> and <em>FBN</em> Crop Marketing are available only where we are licensed or authorized to offer those Services. Also, not all agronomic data and analytics we provide are applicable to all crops and geographies, so we may tailor the Content we make available to you based on such factors as your location, Your Data, and your crops. We may modify or discontinue a particular Service, or the requirements for access and use, at any time. We'll try to give you notice when we make a material change to the Services that might adversely affect you, but this isn't always practical.</p>\n\n<p><strong>Data Storage and Transmission. </strong>Your Data may be transmitted to/from and stored by us or third party service providers in the U.S., Canada, and other countries such as Romania where we conduct engineering software development. As such, Your Data may potentially be accessible to the law enforcement and national security authorities of those jurisdictions.</p>\n\n<p><strong>License. </strong>By sharing Your Data with us, you grant us a royalty-free, worldwide, irrevocable license to use, translate, modify, publish, transmit, display, reproduce and otherwise act with respect to Your Data, in each case to enable us to operate the Services and for our own business purposes. This is a license only. Your ownership in Your Data is not affected. All of the licenses you grant to us are subject to our Privacy Policy (<a href=\"https://www.farmersbusinessnetwork.com/page/show/privacy-policy\">https://www.farmersbusinessnetwork.com/page/show/privacy-policy</a>). </p>\n\n<p>Please note that the Services allow you to share Your Data with other parties, including other <em>FBN </em>Members and Professionals and you should make sure your sharing settings are configured to your preferences before sharing Your Data. To the extent you share Your Data with others, you grant them a license to use and exercise all rights in Your Data, as permitted by the functionality of the Services. We are not responsible for how others use Your Data, or the advice or information they provide you when you share Your Data.</p>\n\n<p><strong>Ag Data Submissions.</strong> You represent and warrant that you exclusively own your Ag Data and have the right to share and license it to us and other parties. To the fullest extent permitted, you waive any and all moral rights in your Ag Data, as applicable. We reserve the right to remove any Ag Data for any reason in our sole discretion, including, but not limited to, if someone alleges you contributed the Ag Data in violation of these Terms. You agree to indemnify, defend and hold us harmless against any third party claims that may arise in connection with disputes arising from your ownership of your Ag Data. Certain Services may operate best when <em>FBN </em>Members contribute Ag Data. As a result, we may from time to time require you to provide certain kinds of Ag Data in order to use certain Services. These Ag Data contribution requirements are subject to change at any time and in our sole discretion.</p>\n\n<p><strong>Copyright Notice and Take-Down Policy. </strong></p>\n\n<p><strong><em>Notice of Infringement. </em></strong>In accordance with the Digital Millennium Copyright Act of 1998 (the "DMCA") for U.S. Users, the text of which may be found on the U.S. Copyright Office website at <a href=\"http://www.copyright.gov/legislation/dmca.pdf\">http://www.copyright.gov/legislation/dmca.pdf</a>, and the Canadian Copyright Act for Canadian Users, we will respond expeditiously to claims of copyright infringement committed using the Services that are reported to our Designated Copyright Agent, identified in the sample notice below.</p>\n\n<p>If you are a copyright owner, or are authorized to act on behalf of one, or authorized to act under any exclusive right under copyright, please report alleged copyright infringements taking place on or through the Services by completing the following Notice of Alleged Infringement ("Notice") and deliver it to our Designated Copyright Agent. Upon receipt of the Notice as described below, we will take whatever action, in our sole discretion, we deem appropriate, including removal of the challenged material from the Services. </p>\n\n<p><strong><em>Notice of Alleged Infringement ("Notice").</em></strong></p>\n\n<ol>\n\t<li>Identify the copyrighted work that you claim has been infringed.</li>\n\t<li>Identify the material that you claim is infringing (or to be the subject of infringing activity) and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material, including at a minimum, if applicable, the URL of the link shown on the Services where such material may be found.</li>\n\t<li>Provide your mailing address, telephone number, and, if available, email address.</li>\n\t<li>Include both of the following statements in the body of the Notice: \n\t<ol style=\"list-style-type:lower-alpha;\">\n\t\t<li>"I hereby state that I have a good faith belief that the disputed use of the copyrighted material or reference or link to such material is not authorized by the copyright owner, its agent, or the law (e.g., as a fair use)."</li>\n\t\t<li>"I hereby state that the information in this Notice is accurate and, under penalty of perjury, that I am the owner, or authorized to act on behalf of the owner, of the copyright or of an exclusive right under the copyright that is allegedly infringed."</li>\n\t</ol>\n\t</li>\n\t<li>Provide your full legal name and your electronic or physical signature.</li>\n</ol>\n\n<p>Deliver this Notice, with all items completed, to Farmer’s Business Network’s Designated Copyright Agent:</p>\n\n<p style=\"margin-left:.5in;\">Farmer’s Business Network, Inc. </p>\n\n<p style=\"margin-left:.5in;\">Attn: Copyright Agent</p>\n\n<p style=\"margin-left:.5in;\">388 El Camino Real</p>\n\n<p style=\"margin-left:.5in;\">San Carlos, CA 94070</p>\n\n<p style=\"margin-left:.5in;\">Telephone +1 (650) 226-3409</p>\n\n<p style=\"margin-left:.5in;\">Email: <a href=\"mailto:copyright@pinterest.com\">copyright@farmersbusinessnetwork.com</a></p>\n\n<p><strong><em>Our Response. </em></strong>Following receipt of the Notice, we will expeditiously remove or disable the allegedly infringing content. We will also notify the user who submitted or posted the allegedly infringing material and provide them with a copy of the Notice. We may suspend or terminate access to our Services of Users that repeatedly infringe the copyrights of others. </p>\n\n<p><strong><em>Counter-Notice. </em></strong>If a User believes that their content was removed or disabled by mistake or misidentification, the user can send us a written counter-notification that includes the following:</p>\n\n<p>Email your counter-notice to <a href=\"mailto:copyright@farmersbusinessnetwork.com\">copyright@farmersbusinessnetwork.com</a> and include all of the following:</p>\n\n<ol>\n\t<li>Your name, address, and telephone number.</li>\n\t<li>The source address of the content that was removed (copy and paste the link in the notification email).</li>\n\t<li>A statement under penalty of perjury that you have a good faith belief that the content was removed in error.</li>\n\t<li>A statement that you consent to the jurisdiction of the U.S. Federal District Court for the Northern District of California located in San Francisco, CA for U.S. Users, and the court in Calgary, Alberta for Canadian Users, and that you will accept service of process from the person who originally provided us with the Notice.</li>\n\t<li>A physical or electronic signature (for example, typing your full name).</li>\n</ol>\n\n<p><strong>Responsibility for Content. </strong>Any information or content publicly posted or privately transmitted through the Services is the sole responsibility of the person from whom such content originated, and you access all such information and content at your own risk, and we aren’t liable for any errors or omissions in that information or content or for any damages or loss you might suffer in connection with same. We cannot control and have no duty to take any action regarding how you may interpret and use the any content or what actions you may take as a result of having been exposed to any content, and you hereby release us from all liability for you having acquired or not acquired content through the Services.</p>\n\n<p>The Services may contain links or connections to third party websites or services that are not owned or controlled by us. When you access third party websites or use third party services, you accept that there are risks in doing so, and that we are not responsible for such risks. We encourage you to be aware when you leave the Services and to read the terms and conditions and privacy policy of each third party website or service that you visit or utilize.</p>\n\n<p>We have no control over, and assumes no responsibility for, the content, accuracy, privacy policies, or practices of or opinions expressed in any third party websites or by any third party that you interact with through the Services. In addition, we will not and cannot monitor, verify, censor or edit the content of any third party site or service. By using the Services, you release and hold us harmless from any and all liability arising from your use of any third party website or service.</p>\n\n<p>Your interactions with organizations and/or individuals found on or through the Services are solely between you and such organizations and/or individuals. You should make whatever investigation you feel necessary or appropriate before proceeding with any online or offline transaction with any of these third parties. You agree that we will not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings.</p>\n\n<p>If there is a dispute between Users, or between a User and any third party, you agree that other than as provided in the Copyright Notice and Take-Down Policy section above, we are under no obligation to become involved. In the event that you have a dispute with one or more other users, you release FBN Companies, its respective officers, directors, employees and agents, successors, licensors, advertisers or suppliers (collectively, the “<strong>FBN Parties</strong>”) from claims, demands, and damages of every kind or nature, known or unknown, suspected or unsuspected, disclosed or undisclosed, arising out of or in any way related to such disputes and/or our Services. If you are a California resident, you shall and hereby do waive California Civil Code Section 1542, which says: "<strong>A general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which, if known by him or her must have materially affected his or her settlement with the debtor.</strong>"</p>\n\n<p><strong>Non-FBN Offerings. </strong>To enhance the value we provide our <em>FBN </em>Members, we may list products or services offered by other third parties. While we do our best to only list products and services which we believe provide value to <em>FBN </em>Members, it is a central premise of the <em>FBN</em> Network that with unbiased and transparent information, it is ultimately up to you to determine what course of action to take and conduct whatever investigation you feel necessary in order to evaluate the suitability of a particular product or service. Therefore, these offerings should not be construed as either an endorsement or recommendation by us. If you opt-in to being contacted by the third party, we may provide them with your Personal Datat, including name, phone number, email, zip or postal code and any other information which may be required for them to contact you. The products and services offered by others are subject to availability and the third party's eligibility criteria. If you visit a third party website, we encourage you to read their terms of service and privacy policies, as these may differ from our own. By using the Services, you agree to indemnify, defend and hold us harmless from any and all liability, including losses or damages of any sort, arising from your interactions with these third parties.</p>\n\n<p><strong>FBN Offerings. </strong>You are now able to order products through <em>FBN Direct</em> online or through our mobile app. Please note though that orders placed online or through our mobile app are not complete and do not constitute a sale or offer of sale until we verify that (a) you qualify to transact with us, (b) the desired products are available and are permitted to be sold in your state/province; (c) you have provided any and all documentation which we may request from time to time, and (d) executed a separate Sales Order form. All sales initiated online or through our mobile app are subject to the terms and conditions listed on the Sales Order form. In the event of any conflict or inconsistency between the Sales Order and these Terms, the Sales Order shall control.</p>\n\n<p><strong>Photos and Testimonials. </strong>We host events such as Farmer2Farmer, Summer Clinics and webinars and host booths at other industry events. Subject to applicable law, you hereby authorize us to photograph and video/audio-record you at any of these events and authorize us to use your name, likeness, any verbatim notes or quotes, testimonials or any other photographs or comments that you provide us through any means in perpetuity, without geographical limitation, and without any compensation whatsoever to you, and to the extent permitted, you waive any and all moral rights associated with such content for marketing and promotional purposes.</p>\n\n<p><strong>Electronic and Telephone Communications. </strong>You explicitly consent to receive communications from us electronically and by telephone, including but not limited to, e-mails, electronic notices, text messages and phone calls. You agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirements that such communication be in writing. Unless you advise us otherwise, we may record and save any and all electronic and telephone communications for training, quality assurance, verification purposes, and all other permitted uses under the law. Your consent to receive electronic and telephonic communications is not required to use the Services, however, by withholding your consent, you may not receive certain communications or promotions. If you wish to withdraw your consent to receive electronic and telephonic communications or to modify the ways in which we contact you, please contact us at <a href=\"mailto:support@farmersbusinessnetwork.com\">support@farmersbusinessnetwork.com</a>.</p>\n\n<p><strong>Additional Rules and Restrictions. </strong>Your use of the Services is subject to the following additional rules and restrictions:</p>\n\n<ul>\n\t<li>You will only use the Services for the internal benefit of your own farm, or if you’re a Professional, for the benefit of an FBN Member’s farm. You may also only use the Services in a manner that complies with all laws that apply to you. To the fullest extent permitted by law, you are prohibited from using the Services to benefit other parties, for resale, wholesale or retail purposes, or to provide other services. If your use of the Services is prohibited by applicable laws, then you aren’t authorized to use the Services. </li>\n\t<li>You will not share your account or password with anyone, and you’ll take reasonable steps to protect the security of your account and your password. You’re responsible for any activity associated with your account and subaccounts.</li>\n\t<li>You will not contribute any Content or otherwise use or interact with the Services in a manner that:\n\t<ul style=\"list-style-type:circle;\">\n\t\t<li>infringes or violates the intellectual property rights or any other rights of anyone else (including ours);</li>\n\t\t<li>is harmful, fraudulent, deceptive, threatening, harassing, defamatory, obscene, or otherwise objectionable or unlawful;</li>\n\t\t<li>jeopardizes the security of your Farmer’s Business Network account or anyone else’s, such as allowing someone else to use your user name or password to access the Services (except on your behalf);</li>\n\t\t<li>violates the security of any computer network, or wrongfully obtains any passwords or security information;</li>\n\t\t<li>“crawls,” “scrapes,” or “spiders” any page, data, or portion of or relating to the Services or Content (through use of manual or automated means) or copies any significant portion of the Content;<a id=\"Q6\" name=\"Q6\"></a></li>\n\t\t<li>decompiles, reverse engineers, or otherwise attempts to obtain the source code or underlying ideas or information of or relating to the Services; or</li>\n\t\t<li>is false or misleading.</li>\n\t</ul>\n\t</li>\n</ul>\n\n<p> </p>\n\n<p><strong>Changes.</strong></p>\n\n<p><strong><em>Changes to these Terms and Conditions</em></strong><strong>. </strong>We’re always working to improve the Services, so these Terms may need to change along with the Services. We reserve the right to change the Terms at any time, but if we do, we will bring it to your attention by placing a notice on the website, by sending you an email, and/or by some other means. If you don’t agree with the new Terms, you are free to reject them; but that means you will no longer be able to use the Services.</p>\n\n<p><strong><em>Changes in Services</em></strong><strong>. </strong>We may suspend or discontinue any part of the Services, or we may introduce new features or impose limits (see the Ag Data section above) on certain features or restrict access to parts or all of the Services. We’ll try to give you notice when we make a material change to the Services that would adversely affect you, but this isn’t always practical. Similarly, we reserve the right to remove any Content from the Services at any time, for any reason (including, but not limited to, if someone alleges you contributed that Content in violation of these Terms), in our sole discretion, and without notice.</p>\n\n<p><strong>Termination. </strong>You’re free to stop using the Services at any time by contacting us at <a href=\"mailto:info@farmersbusinessnetwork.com\">info@farmersbusinessnetwork.com</a> or by logging in, going to "Account", "Billing" and clicking on "End My FBN Membership". Please refer to our Privacy Policy (https://www.farmersbusinessnetwork.com/page/show/privacy-policy), as well as the licenses above, to understand how we treat Your Data after you have stopped using our Services. We are also free to terminate (or suspend access to) your use of the Services or your account, for any reason in our discretion, including your breach of these Terms. Account termination is effective at the time you confirm termination or at the time we terminate your account, even if termination occurs prior to the end of your then current membership term. We do not refund membership fees on termination. Provisions that, by their nature, should survive termination of these Terms shall survive termination. Consistent with these Terms and our Privacy Policy, we may retain and use Your Data after you terminate your membership. You may request that we provide you a copy of your Ag Data in the original format it was uploaded, or an equivalent format, by contacting us at <a href=\"mailto:info@farmersbusinessnetwork.com\">info@farmersbusinessnetwork.com</a> at any time during your membership and for thirty (30) days thereafter. Provisions that, by their nature, should survive termination of these Terms shall survive termination.</p>\n\n<p><strong>Additional Terms for Mobile Applications. </strong>These Terms apply to your use of all the Services, including any applications (“Application”) available via the Apple, Inc.’s App Store, Google Inc.’s GooglePlay, or any other third party application store (collectively, the “Application Provider”), but the following additional terms will also apply to the Application:</p>\n\n<ul>\n\t<li>-Both you and us acknowledge that the Terms are between you and us only, and not with the Application Provider, and that the Application Provider is not responsible for the Application or the Content</li>\n\t<li>-The Application is licensed to you on a limited, non-exclusive, non-transferrable, non-sublicensable basis, solely to be used in connection with the Services for your private, personal, non-commercial use, subject to all the terms and conditions of these Terms as they are applicable to the Services;</li>\n\t<li>-You will only use the Application in connection with a device that you own or control;</li>\n\t<li>-You acknowledge and agree that the Application Provider has no obligation whatsoever to furnish any maintenance and support services with respect to the Application;</li>\n\t<li>-In the event of any failure of the Application to conform to any applicable warranty, including those implied by law, you may notify the Application Provider of such failure; </li>\n\t<li>-Upon notification, the Application Provider’s sole warranty obligation to you will be to refund to you the purchase price, if any, of the Application;</li>\n\t<li>-You acknowledge and agree that we, and not the Application Provider, is responsible for addressing any claims you or any third party may have in relation to the Application;</li>\n\t<li>-You acknowledge and agree that, in the event of any third party claim that the Application or your possession and use of the Application infringes that third party’s intellectual property rights, we, and not the Application Provider, will be responsible for the investigation, defense, settlement and discharge of any such infringement claim;</li>\n\t<li>-You represent and warrant that you are not located in a country subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country, and that you are not listed on any U.S. Government list of prohibited or restricted parties;</li>\n\t<li>-Both you and us acknowledge and agree that, in your use of the Application, you will comply with any applicable third party terms of agreement that may affect or be affected by such use;</li>\n\t<li>-Both you and us acknowledge and agree that the Application Provider and the Application Provider’s subsidiaries are third party beneficiaries of these Terms, and that upon your acceptance of these Terms, the Application Provider will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as the third party beneficiary hereof; and,</li>\n\t<li>-To the extent there is a conflict between these Terms and any other agreements which govern your use of the Application, these Terms shall take precedence.</li>\n</ul>\n\n<p> </p>\n\n<p><strong>General.</strong></p>\n\n<p><strong><em>Warranty Disclaimer. </em></strong>None of the FBN Parties makes any representations or warranties concerning the Services and/or any Content contained in or accessed through the Services, and none of the FBN Parties will be responsible or liable for the accuracy, copyright compliance, legality, or decency of Content contained in or accessed through the Services. THE SERVICES AND CONTENT ARE PROVIDED BY FBN COMPANIES (AND ITS LICENSORS, ADVERTISERS AND SUPPLIERS) ON AN “AS-IS” BASIS, WITHOUT WARRANTIES OR ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, THAT THE SERVICES WILL OPERATE WITHOUT INTERRUPTION OR DOWNTIME OR ARE FREE FROM ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT YOU WILL EXPERIENCE ANY PARTICULAR CROP OR SEED PERFORMANCE OUTCOME, OR WILL SEE ANY PARTICULAR FINANCIAL, BUSINESS OR AGRONOMIC RESULT. SOME STATES DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, SO ONLY PORTIONS OF THE ABOVE LIMITATIONS MAY APPLY TO YOU.</p>\n\n<p><strong><em>Limitation of Liability. </em></strong>TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORY (INCLUDING, WITHOUT LIMITATION, TORT, CONTRACT, STRICT LIABILITY, OR OTHERWISE) SHALL ANY OF THE FBN PARTIES BE LIABLE TO YOU OR TO ANY OTHER PERSON FOR (A) ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OF ANY KIND, INCLUDING DAMAGES FOR LOST REVENUES, PROFITS OR UNREALIZED SAVINGS, CROP OR YIELD LOSS, LOSS OF GOODWILL, WORK STOPPAGE, ACCURACY OF CONTENT AND/OR AMOUNTS EXPENDED IN RELIANCE ON CONTENT (INCLUDING ANALYTICS), BENCHMARKING OR INFORMATION AVAILABLE THROUGH THE SERVICE, OR COMPUTER FAILURE OR MALFUNCTION, OR (B) ANY AMOUNT, IN THE AGGREGATE, IN EXCESS OF THE GREATER OF (I) $100, OR (II) THE AMOUNTS PAID BY YOU TO US IN CONNECTION WITH THE SERVICES IN THE TWELVE (12) MONTH PERIOD PRECEDING THIS APPLICABLE CLAIM, OR (C) ANY OTHER MATTER. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO ONLY PORTIONS OF THE ABOVE LIMITATIONS AND EXCLUSIONS MAY APPLY TO YOU.</p>\n\n<p><strong><em>Assignment. </em></strong>You may not assign, delegate or transfer these Terms or your rights or obligations hereunder, or your Services account, in any way (by operation of law or otherwise) without our prior written consent. We may transfer, assign, or delegate these Terms and our rights and obligations without consent or notice.</p>\n\n<p><strong><em>Miscellaneous. </em></strong></p>\n\n<p><strong><em>Governing Law.</em></strong></p>\n\n<p><strong><em>U.S. Users only - </em></strong>These Terms are governed by and will be construed under the laws of the State of California, without regard to the conflicts of laws provisions thereof, except that The Federal Arbitration Act (including its procedural provisions) is the law that will be applied to determine whether the Agreement to Arbitrate and Class Action Waiver below can be enforced and how it should be interpreted. The parties agree that the United Nations Convention on Contracts for the International Sale of Goods is specifically excluded from application to these Terms. The parties hereby consent to the exclusive jurisdiction of the state or federal courts located in San Francisco, California or the Northern District of California, respectively.</p>\n\n<p><strong><em>Canadian Users only- </em></strong>These Terms are governed by and will be construed under the laws of the Province of Alberta, without regard to the conflicts of laws provisions thereof. The parties agree that the United Nations Convention on Contracts for the International Sale of Goods is specifically excluded from application to these Terms. You agree, subject to the arbitration provision below, to the exclusive jurisdiction of the courts located in Calgary Alberta, or the Federal Court as applicable, and waive any jurisdictional, venue, or inconvenient forum objections to such courts.</p>\n\n<p><strong>Severability; No Waiver; Entire Agreement</strong> The failure of either you or us to exercise, in any way, any right herein shall not be deemed a waiver of any further rights hereunder. If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated, to the minimum extent necessary, so that these Terms shall otherwise remain in full force and effect and enforceable. You and us agree that these Terms are the complete and exclusive statement of the mutual understanding between you and us, and that it supersedes and cancels all previous written and oral agreements, communications and other understandings relating to the subject matter of these Terms. Notwithstanding, from time to time, you and us may enter into other agreements concerning the sale and/or purchase of services or products, or for other purposes, which are subject to additional terms and conditions. In the event of any conflict or inconsistency between those terms and conditions and these Terms, those terms and conditions shall take priority. You hereby acknowledge and agree that you are not an employee, agent, partner, or joint venture of FBN Companies, and you do not have any authority of any kind to bind us in any respect whatsoever. Except for the FBN Parties, you and us agree there are no third party beneficiaries intended under these Terms.</p>\n\n<p><strong><em>Agreement to Arbitrate and Class Action Waiver. </em></strong>We encourage you to contact our Customer Support team at support@farmersbusinessnetwork.com in the event of any disputes. If we can’t resolve a dispute through Customer Service, <strong><em>you and us agree to resolve any claims relating to the Terms, the Privacy Policy, or the Services through final and binding arbitration. </em></strong>This applies to all kinds of claims under any legal theory. It also applies even after you have stopped using our Services.</p>\n\n<p>An arbitration proceeding is before a neutral arbitrator instead of a judge and jury, so <strong><em>we are all giving up our right to a trial before a judge and jury</em></strong>. Arbitrations have different rules than lawsuits in court. They are less formal than lawsuits in courts, and provide limited opportunity to force the other side to share information relevant to the dispute—a process called discovery. The arbitrator can award the same damages and relief on an individual basis that a court can award to an individual. But, if any of us does not like the arbitrator’s decision, the courts only have a limited ability to change the outcome of arbitration or make the arbitrator reconsider his or her decision. If we have a dispute about whether this agreement to arbitrate can be enforced or applies to our dispute, we all agree that the arbitrator will decide that, too.</p>\n\n<p>The arbitration will be administered by JAMS pursuant to its Comprehensive Arbitration Rules and Procedures and in accordance with the Expedited Procedures in those Rules. Judgment on the Award may be entered in any court having jurisdiction. This clause shall not preclude parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction. The arbitration will take place in San Francisco, California for U.S. Users and in Calgary, Alberta for Users Members.</p>\n\n<p><strong><em>No Class Actions.</em></strong></p>\n\n<p>You agree that you can only bring a claim against any of the FBN Parties on an individual basis. That means:</p>\n\n<ol>\n\t<li>You cannot bring a claim as a plaintiff or class member in a class action, consolidated action or representative action. </li>\n\t<li>The arbitrator cannot combine more than one person’s claim into a single case, and cannot preside over any consolidated, class or representative arbitration proceeding (unless you and us both agree to change this). </li>\n\t<li>The arbitrator’s decision or award in one person’s case can only impact the person who brought the claim, and cannot be used to decide other disputes with other members.</li>\n</ol>\n\n<p>If a court decides that this subsection on “No Class Actions” is not enforceable or valid, then the entire Agreement to Arbitrate and Class Action Waiver will be null and void, but the rest of the Terms and Privacy Policy will still apply.</p>\n\n<p id=\"tos-revision\"><strong>Change Log – This change log is a summary only. You are responsible for reading, understanding and complying with all of the Terms above. </strong></p>\n\n<p><strong>May 25, 2018. </strong>Following revisions:</p>\n\n<p><strong>Scope. </strong>Clarified that these Terms apply to all of your interactions with any of the FBN Companies, which we have further defined in this update.</p>\n\n<p><strong>Service Availability. </strong>Expanded where Services are available to include parts of Canada, and clarified when and where Services are available.</p>\n\n<p><strong>Canada. </strong>Terms which apply specifically to Canadian Members were added throughout. </p>\n\n<p><strong>Data Definitions. </strong>Clarified your rights with respect to Your Data, and the nature of the license you provide to us.</p>\n\n<p><strong>Data Sharing. </strong>Clarified your responsibilities when sharing Your Data with other <em>FBN</em> Members and Professionals.</p>\n\n<p><strong>Changes to Services. </strong>Clarified that we may require you to contribute certain types of Ag Data in order to access and use certain Services.</p>\n\n<p><strong>Ag. Data. </strong>Added provision requiring you to represent and warrant that you own your Ag Data and have the right to share it with us.</p>\n\n<p><strong>Permitted Uses. </strong>Clarified the permitted uses of the Services.</p>\n\n<p><strong>Non-FBN Offerings. </strong>Added provision about third party offerings, and your responsibilities with respect to such offerings.</p>\n\n<p><strong><em>FBN</em></strong><strong> <em>Direct</em> Offerings. </strong>Clarified when a sale or offer of sale is made when placing an order online or through our mobile application.</p>\n\n<p><strong>Fees. </strong>Conditioned your continued use of Services to your timely payment of outstanding amounts owed to any of the FBN Companies.</p>\n\n<p><strong>Payment Methods. </strong>Updated available payment methods, and related terms.</p>\n\n<p><strong>Data Storage and Transmission. </strong>Disclosed where Your Data may be transmitted to/from and stored.</p>\n\n<p><strong>Electronic and Telephonic Communications. </strong>Added provision requiring your explicit consent to receive electronic and telephonic consent; Clarified that consent was not needed to use Services and provided procedure for withdrawing or modifying your consent.</p>\n\n<p><strong>Warranty Disclaimer, Limitation of Liability. </strong>Clarified the nature of our warranty disclaimer and limitation of liability.</p>\n\n<p><strong>Business to Business. </strong>Clarified that these Terms establish a business to business relationship.</p>\n\n<p><strong>Photos and Testimonials. </strong>Obtained your consent to use photos, videos, quotes and testimonials obtained at our events, or events we participate in.</p>\n\n<p> </p>\n\n<p><strong>February 10, 2016.</strong> Following revisions:</p>\n\n<p><strong>Affiliates.</strong> Clarified this these terms of service apply to our affiliates, including FBN Inputs, LLC and FBN Capital, LLC.</p>\n\n<p><strong>Recurring Charges/ Automatic Renewal Conditions</strong>. Added recurring charge and automatic renewal conditions.</p>\n\n<p><strong>Price Adjustments</strong>. Added terms and conditions for price adjustments.</p>\n\n<p><strong>Service Availability</strong>. Specified that not all Services or analytics that we provide are available in all regions or for all crops.</p>\n\n<p><strong>User Submissions</strong>. Clarified that User Submissions include both Personal Data and Ag Data.</p>\n\n<p><strong>Additional Rules and Restrictions. </strong>Clarified that the restriction on non-commercial use does not restrict use for your own benefit. Added a restriction on provided intentionally false or misleading Content. </p>\n\n<p><strong>Termination</strong>. Clarified that an account termination is effective at the time it is made, not at the end of your then current membership term. Specified no refunds on early termination.</p>\n\n<p> </p>\n\n<p><strong>March 31, 2015.</strong> Following revisions:</p>\n\n<p> </p>\n\n<p><strong>Mobile Apps.</strong> Updated the definition of the scope of our services to include mobile applications.</p>\n\n<p><strong>Content Ownership.</strong> Clarified that we own all Content available through our Services other than your Personal Information, User Submissions or other third party content that we make available to you through the Services.</p>\n\n<p><strong>License to User Submissions</strong>. Clarified that the license you grant us to any User Submissions is royalty-free, worldwide and irrevocable.</p>\n\n<p> <strong>Copyright Notice and Take-Down Policy.</strong> Added a section that covers how you can contact us regarding claims of copyright infringement and how we will respond.</p>\n\n<p><strong>FBN Parties.</strong> Expanded the definition of FBN Parties that is used throughout the Terms of Service to include our affiliates, directors, licensors, advertisers and suppliers.</p>\n\n<p><strong>Terms of Service Changes.</strong> Clarified how we can update the Terms of Service. We will notify you of the changes by placing a notice on farmersbusinessnetwork.com and by sending you an email. On your next visit to farmersbusinessnetwork.com, you will be asked to agree to the updated Terms of Service. If you don’t agree, you may decline, but this means you will no longer be able to use our Services. A writing signed by both you and us is no longer a requirement to update the Terms of Service.</p>\n\n<p><strong>Warranty Disclaimer.</strong> Added to the warranty disclaimer that we do not warrant that our members will experience any particular crop or seed performance outcome.</p>\n\n<p><strong>Limitation of Liability.</strong> Added that we are not liable for any loss of yield or amounts expended in reliance on content or information available through our Services.</p>\n\n<p><strong>Arbitration and Class Action Waiver.</strong> Added a mandatory agreement to arbitrate any claims relating to the Terms of Service, Privacy Policy or our Services and an agreement to only bring claims on an individual basis.</p>\n\n<p> </p>\n\n<p><strong>June 11, 2014:</strong> First version.</p>\n\n<p> </p>\n\n<p><a href=\"https://www.agdatatransparent.com/certified/fbn\" target=\"_blank\"><img alt=\"Ag Data Transparent Seal\" src=\"https://s.farmersbusinessnetwork.com/AgData_Logo_Solid_RGB.png\" style=\"width: 150px; height: 150px;\" /></a></p>";
- };
- version = 4;
- };
- "market_intelligence" = {
- accepted = 0;
- content = {
- "privacy_policy" = "<p align=\"center\"><strong>(Effective May 25, 2018)</strong></p>\n\n<p>We at Farmer’s Business Network, Inc. and our Affiliates ("FBN Companies," "we," and "us"). know you care about how Your Data is used and shared, and we take your privacy seriously. Please read the following to learn more about our Privacy Policy ("Policy"). </p>\n\n<p align=\"center\"><strong>Core Principles of Farmers Business Network</strong></p>\n\n<ul>\n\t<li>-The Ag Data, Financial Data and Personal Data you provide us is Your Data. We will never sell or provide Your Data to another party without your explicit consent or as you have agreed in this Policy.</li>\n\t<li>-By joining our network and providing us Your Data, you grant us the right to use Your Data for purposes that will enhance the value we provide <em>FBN</em> Members and as described below. This may include using anonymized data from all <em>FBN</em> Members to create insightful models and provide transparent information to the <em>FBN </em>Network.</li>\n\t<li>-We own the Services and the Content, including aggregated and/or anonymized data, analytics, benchmarking, etc.</li>\n\t<li>-You may elect to share Your Data with other <em>FBN </em>Members and you will have full control over who and the type of data you share.</li>\n\t<li>-As a contributory network and community, our Services operate best when <em>FBN</em> Members contribute Ag Data, and we may require you to contribute Ag Data in order to access and use certain Services, such as <em>FBN </em>Price Transparency or <em>FBN</em> Seed Finder.</li>\n\t<li>-You may see advertising or have access to certain opportunities to interact with other companies. We only partner with companies that we trust and, in our judgment, will provide you value.</li>\n\t<li>-If we are ever sold or acquired by another company, this Policy will continue to apply to any successor.</li>\n</ul>\n\n<p> </p>\n\n<p>\U200b<strong>By using or accessing the Services and in any other interactions you may have with us in any manner, you acknowledge that you accept the practices and policies outlined in this Policy, and you hereby consent, to the fullest extent permitted in your jurisdiction, that we will collect, use, and share Your Data in the following ways, which are essential to providing you the Services.</strong></p>\n\n<p>Remember that your use of our Services is at all times subject to the Terms of Service (https://www.farmersbusinessnetwork.com/page/show/tos), which incorporates this Policy. Any terms we use in this Policy without defining them have the definitions given to them in the Terms of Service (https://www.farmersbusinessnetwork.com/page/show/tos).</p>\n\n<p><strong><a id=\"Q1\" name=\"Q1\"></a>Scope. </strong>This Policy covers our treatment of Your Data that you provide to us or that we gather when you are accessing or using our Services, but not to the practices of companies we don’t own or control, or people that we don’t manage. </p>\n\n<p>When we refer to our "Affiliates" we mean our subsidiaries, including, but not limited to, FBN Inputs, LLC, FBN CM LLC, FBN Finance, LLC, Farmer's Business Network Canada, Inc., Yorkton Distributors (1976), Ltd., and FBN BR LLC.</p>\n\n<p>When we refer to "Ag Data" we mean any agricultural data, as broadly understood in the agricultural industry, including, but not limited to, your agronomic data, application data, climate data, harvest data, invoice data, planting data, land data, machine data, pricing data, weather data, and the type of agricultural products or services you use and purchase from us or other parties.</p>\n\n<p>When we refer to “Financial Data” we mean any credit, financial, or payment information, including, but not limited to assets and liabilities, bank account numbers, credit card numbers, credit history, employment history, income sources, payment history, payment preferences, and social security/social insurance number. Note: Financial Data provided by you or gathered about you by us from third parties in connection with a credit application or for other purposes may be subject to and protected by additional terms and conditions listed therein.</p>\n\n<p>When we refer to “Personal Data” we mean any information other than Ag Data or Financial Data, including, but not limited to: (a) Company name, points of contact, account users, employees, agents, responsible parties, etc., (b) contact information including, but not limited to, email address, business phone numbers, address, etc., (c) your pictures and likeness, (d) communications, information or other materials that you provide us, and (e) business relationship information, including information relating to your agreements with us, preferences, etc.</p>\n\n<p>When we refer to “Data” we mean all three types of data defined above, and when we refer to “Your Data” we mean data that you own and have granted us a license to use.</p>\n\n<p>We gather various types of Data from our Users in order to:</p>\n\n<ol>\n\t<li>we collect Personal Data from you to establish and manage our relationship with you, including setting up your user account and profile, contacting you about our Services, managing your account, etc.;</li>\n\t<li>analyze, personalize and update the Service;</li>\n\t<li>we collect Financial Data to determine your financial eligibility for our Services, extended terms or financing, manage our level of risk, administer or service your account, make reports to credit reporting agencies, as needed, collect on your debt, including through collection or legal proceedings, and as otherwise necessary for the provision of extended terms and/or financing and the protection of our business;</li>\n\t<li>send you marketing materials and information that we believe may be of interest to you;</li>\n\t<li>protect us against error, fraud, theft and damage to our goods and property;</li>\n\t<li>enable us to comply with applicable laws or regulatory requirements; and,</li>\n\t<li><a id=\"Q6\" name=\"Q6\"></a>for any other permitted business purposes.</li>\n</ol>\n\n<p>Since we only work with businesses and their authorized representatives, we do not knowingly collect or solicit Data from anyone under the age of 13. If you are under the age of 13, please do not attempt to register for the Services or send any Data. If we learn that we have collected Data from a child under the age of 13, we will delete that information as quickly as possible. If you believe that a child under the age of 13may have provided us Data, please contact us at <a href=\"mailto:info@farmersbusinessnetwork.com\">info@farmersbusinessnetwork.com</a>.</p>\n\n<p><strong>Changes. </strong>We’re always working to improve the Services, so this Policy may need to change along with the Services. We reserve the right to change this Policy at any time, but if we do, we will bring it to your attention by placing a notice on the website, by sending you an email, and/or by some other means. If you don’t agree with the new Policy, you are free to reject them; but that means you will no longer be able to use the Services.</p>\n\n<p><strong>Information Collection.</strong></p>\n\n<p><strong><em>Information You Provide to Us. </em></strong>Your Data may be transmitted to/from and stored by us or third party service providers in the U.S., Canada, and other countries such as Romania where we conduct engineering and software development. As such, Your Data may potentially be accessible to the law enforcement and national security authorities of those jurisdictions. For example, through the account registration process and/or through your account settings, we may collect Personal Data. We may also collect Financial Data in order to process a loan application. Certain information may be required to register with us, to take advantage of some of our features, or to order products from us.</p>\n\n<p>We may communicate with you if you’ve provided us the means and consent to do so. We may use your Personal Data to send confirmations, promotions, invoices, technical notices, updates, security alerts, support, and administrative messages. For example, if you’ve given us your email address, we may send you promotional email offers on behalf of other businesses or if you have asked us to provide those businesses with you contact information so they can follow up with you, or email you about your use of the Services. Also, we may receive a confirmation when you open an email from us. This confirmation helps us make our communications with you more interesting and improve our services. If you do not want to receive communications from us, please indicate your preference by emailing info@farmersbusinessnetwork.com.</p>\n\n<p><strong><em>Information Collected Automatically; Cookies. </em></strong>Whenever you interact with our Services, we automatically receive, cache, and record information from your browser or device, which may include your IP address and domain used to access our Services, location, device identification, “cookie” information, the type and version of browser and/or device you’re using to access our Services, the page or feature you requested, and the page you entered and exited at (“Traffic Data”). “Cookies” are identifiers we transfer to your browser or device that allow us to recognize your browser or device, record your preferences, and tell us how and when pages and features in our Services are visited, by how many people and for how long. We may use Traffic Data to provide support services to individually identified users. You may be able to change the preferences on your browser or device to prevent or limit your device’s acceptance of cookies, but this may prevent you from taking advantage of some of our features.</p>\n\n<p>Our Services include links to third party sites, content and ads that we believe <em>FBN </em>Members may find useful. Our linking to third party sites does not constitute a recommendation or endorsement by us of any content or information available through such site. These third parties may also transmit cookies to your browser or device, when you click on ads that appear on the Services. Also, if you click on a link to a third party website or service, a third party may also transmit cookies to you. Again, this Policy does not cover the use of cookies by any third parties, and we aren’t responsible for their privacy policies and practices. Please be aware that cookies placed by third parties may continue to track your activities online even after you have left our Services, and those third parties may not honor “Do Not Track” requests you have set using your browser or device.</p>\n\n<p>We may use the Traffic Data we collect to customize content for you that we think you might like, based on your usage patterns. We may also use it to improve the Services – for example, this data can tell us how often users use a particular feature of the Services, and we can use that knowledge to make the Services interesting to as many users as possible, or for any and all permitted business purposes.</p>\n\n<p><strong><em>Information We May Collect From Other Sources. </em></strong>As a general rule, we collect information directly from you. In most circumstances, where the information we collect about you is held by a third party, we will obtain your permission before we seek out this information from such sources (such permission may be given directly by you, or implied from your actions.) From time to time, we may utilize the services of third parties and may also receive data collected by those third parties in the course of the performance of their services for us or otherwise. Where this is the case, we will take reasonable steps to ensure such third parties have represented to us that they have the right to disclose your information to us. When permitted by applicable law or regulatory requirements, we may collect information about you from other sources without your knowledge or consent.</p>\n\n<p>We may also collect market-related information, which may include information concerning market trends and activities impacting our business or your business. This information may include contract terms, financial information and other information for the purpose of market analysis and strategic planning. In addition, we may also collect information related to our media, investor and public relations activities and information related to our interactions with financial and other advisors.</p>\n\n<p>Our operations include, but are not limited to, activities related to: (i) creating and maintaining a farmer-to-farmer agronomic information network; (ii) using data science and machine learning to provide <em>FBN</em> Members with insights about each of their fields; (iii) the sale of farming related goods and services; and (iv) crop marketing. As such, we may also collect information from and about individuals and businesses participating in and/or impacted by these business activities.</p>\n\n<p><strong><em><a id=\"Q4\" name=\"Q4\"></a>Information Collected From Other Websites and Do Not Track Policy. </em></strong>Through cookies we place on your browser or device, we may collect information about your use of our Services including the website visited prior to reaching www.farmersbusinessnetwork.com. We do not collect information about your online activity after you leave our Services. Just like any other usage information we collect, this information allows us to provide and improve the Services and customize your online experience, and otherwise as described in this Policy. Your browser may offer you a “Do Not Track” option, which allows you to signal to operators of websites and web applications and services (including behavioral advertising services) that you do not wish such operators to track certain of your online activities over time and across different websites. When you turn on the Do Not Track function in your browser, we stop collecting the information from your browser that allows us to tailor advertisements and other content specifically to you that is based on your visits to our advertising partners’ websites. Specifically, we stop collecting information from the unique browser cookie that links your browser to visits to third party sites. Do Not Track signals are set on a browser-by-browser basis, so you must set them on every browser you use if you do not wish to be tracked. Remember that this is just <em>our</em> Do Not Track policy, and we can’t and don’t make any promises about how third parties react when you set this signal on your browser.</p>\n\n<p><strong>Sharing of Your Data. </strong>We neither provide nor sell your Your Data in personally identifiable form to anyone except as expressly permitted. However, we may share Your Data with third parties as described in this Policy, our Terms of Service or when you provide your consent.</p>\n\n<p>We reserve the right to access, read, preserve, and disclose Your Data, as follows:</p>\n\n<ol>\n\t<li>as permitted or required by applicable laws or regulatory requirements, including, but not limited to, comply with search warrants, subpoenas or court orders;</li>\n\t<li>internally, across FBN Companies to provide you the Services;</li>\n\t<li>to enforce or apply our Terms of Service and other agreements;</li>\n\t<li>to protect the rights, property, or safety of FBN Companies, our employees, our <u>Users</u>, or others; and,</li>\n\t<li>when you have submitted a credit application, we may share Personal Data and Financial Data with (a) credit bureaus, credit reporting agencies, and financial institutions to confirm your financial situation and your initial and ongoing eligibility, (b) persons retained to administer or service your account, (c) persons involved in the financing or securitization or facilitation of the financing or securitizing of our business for the purpose of providing or facilitating such financing or securitization, and (d) other persons as necessary in connection with your credit application and the protection of our business.</li>\n</ol>\n\n<p><strong><em>Information that’s no longer personally identifiable.</em></strong> We may anonymize Your Data so that you are not personally identified, and provide that information to our partners and third party service providers and make it available through our Services. We may also provide aggregate usage information to our partners, who may use such information to understand how often and in what ways people use our Services, so that they, too, can provide you with an optimal online experience. However, we never disclose Your Data to a partner in a manner that would directly identify you personally, as an individual.</p>\n\n<p>We may allow advertisers and/or merchant partners (“Advertisers”) to choose the demographic information of users who will see their advertisements and/or promotional offers and you agree that we may provide any of the information we have collected from you in non-personally identifiable form to an Advertiser, in order for that Advertiser to select the appropriate audience for those advertisements and/or offers. For example, we might use the fact you are located in Omaha to show you ads or offers for Omaha businesses, but we will not tell such businesses who you are. Or, we might allow Advertisers to display their ads to users with similar usage patterns to yours, but we will not disclose usage information to Advertisers except in aggregate form, and not in a manner that would identify you personally. Note that if an Advertiser asks us to show an ad to a certain audience or audience segment and you respond to that ad, the Advertiser may conclude that you fit the description of the audience they were trying to reach.</p>\n\n<p>We may deliver a file to you through the Services (known as a “web beacon”) from an ad network. Web beacons allow ad networks to provide anonymized, aggregated auditing, research and reporting for us and for advertisers. Web beacons also enable ad networks to serve targeted advertisements to you when you visit other websites. Because your web browser must request these advertisements and web beacons from the ad network’s servers, these companies can view, edit, or set their own cookies, just as if you had requested a web page from their site. You may be able to opt-out of web beacon tracking <a id=\"Q3\" name=\"Q3\"></a>conducted by third parties through our Services by adjusting the Do Not Track settings on your browser; please note that we don’t control whether or how these third parties comply with Do Not Track requests.</p>\n\n<p><strong><em>Third Party Service Providers</em></strong><strong>.</strong> We employ other companies and people to perform tasks on our behalf and we may need to share Your Data with them to provide Services to you. For example, we may share Your Data with our third party IT, data processing and payment processing service providers so that we can operate our business. We do not reveal personally identifiable Data to parties outside our affiliates for their independent use unless: (1) you request or authorize it; (2) the information is provided to help complete a transaction initiated by you; (3) the Financial Data is provided to a credit bureau or similar information reporting agency; or (4) the disclosure otherwise is lawfully permitted or required. Any third-party service providers which are engaged by us must agree to follow the privacy standards set by this <a id=\"Q10\" name=\"Q10\"></a>Policy or similar standards that are equally protective of our members</p>\n\n<p><strong><em>Sharing Your Data with Other FBN Members and Professionals.</em></strong> Please note that the Services allow you to share Your Data with other parties, including other <em>FBN </em>Members and Professionals and you should make sure your sharing settings are configured to your preferences before sharing Your Data by: (1) clicking on "Account", (2) clicking on "My Team", (3) clicking on "Edit Team Member" next to person you wish to share Your Data with, (4) clicking "Manage Permissions", and (5) selecting your sharing preferences. To the extent you share Your Data with others, you grant them a license to use and exercise all rights in Your Data, as permitted by the functionality of the Services. We are not responsible for how others use Your Data, or the advice or information they provide you when you share Your Data.</p>\n\n<p><a id=\"Q7\" name=\"Q7\"></a></p>\n\n<p><strong><em>Business Transfers</em></strong>. We may choose to buy or sell assets. If we (or our assets) are acquired, or if we go out of business, enter bankruptcy, or go through some other change of ownership, or a grant of a security interest in all or part of us through, for example, an asset share or share sale, or some other form of business combination, merger or joint venture, Your Data could be one of the assets transferred to or acquired by a third party. Even if that happens, this Policy (including the provisions governing changes to this Policy) will continue to apply to the use of Your Data.</p>\n\n<p><strong>Security of Personal Information. </strong>Your account is protected by a password for your privacy and security. You must prevent unauthorized access to your account and Your Data by selecting and protecting your password appropriately and limiting access to your computer or device and browser by signing off after you have finished accessing your account.</p>\n\n<p> </p>\n\n<p>We endeavor to protect the privacy of your account and Your Data, but unfortunately, we cannot guarantee complete security. Unauthorized entry or use, hardware or software failure, and other factors, may compromise the security of user information at any time. In the event of a breach of Your Data by an unauthorized person, we will investigate and if necessary, provide notice to you by email or upon your next log in.</p>\n\n<p><strong>Access. </strong>Through your account settings or if requested in writing, you may access, and, in some cases, edit certain types of Your Data, which may change as the Services change. If you have any questions about viewing or editing Your Data, please contact us</p>\n\n<p>at <a href=\"mailto:info@farmersbusinessnetwork.com\">info@farmersbusinessnetwork.com</a>. When you update Your Data, however, we may maintain a copy of the unrevised Data in our records. There are instances where applicable law or regulatory requirements allow or require us to refuse to provide some or all of the Data we have about you. In addition, the Data may have been destroyed, erased or made anonymous in accordance with our record retention obligations and practices. In the event that we cannot provide you with access to Data, we will endeavor to inform you of the reasons why, subject to any legal or regulatory restrictions. </p>\n\n<p><strong>FOR CALIFORNIA USERS ONLY: </strong>Under California Civil Code Sections 1798.83-1798.84, California residents are entitled to ask us for a notice identifying the categories of Personal Data that we share with our affiliates and/or third parties for marketing purposes, and providing contact information for such affiliates and/or third parties. If you are a California resident and would like a copy of this notice, please submit a written request to: legal@farmersbusinessnetwork.com.</p>\n\n<p><strong><a id=\"Q5\" name=\"Q5\"></a>Choice. </strong>It is important to us that we collect, use or disclose Your Data only where we have your consent to do so. Depending on the sensitivity of Your Data, your consent may be implied, deemed (using an opt-out mechanism) or express. Express consent can be given orally, electronically or in writing. Implied consent is consent that can reasonably be inferred from your action or inaction. For example, when you enter into an agreement with us, we will assume your consent to the collection, use and disclosure of Your Data for purposes related to the performance of that agreement and for any other purposes identified to you at the relevant time. Typically, we will seek your consent at the time that we collect Your Data. In certain circumstances, your consent may be obtained after collection but prior to our use or disclosure of Your Data. If we plan to use or disclose Your Data for a purpose not previously identified (either in this Policy, our Terms of Service or separately), we will endeavor to advise you of that purpose before such use or disclosure. As we have described above, we may collect, use or disclose Your Data without your knowledge or consent where we are permitted or required to do so by applicable law or <a id=\"Q8\" name=\"Q8\"></a>regulatory requirements. You can always opt not to disclose Your Data to us, but keep in mind some Data may be needed to register with us or to take advantage of some of our Services.<a id=\"Q9\" name=\"Q9\"></a></p>\n\n<p><strong>Termination and Portability</strong>. You may request that we return a copy of any Ag Data that you submitted in the format that it was uploaded, or an equivalent format, by contacting us at <a href=\"mailto:info@farmersbusinessnetwork.com\">info@farmersbusinessnetwork.com</a> at any time during your membership and for thirty (30) days thereafter.</p>\n\n<p> </p>\n\n<p>After termination, we may continue to retain and use Your Data consistent with this Policy and our Terms of Service, or we may delete Your Data after thirty (30) days, but we are under no obligation to do so. In certain cases, there may be technological or regulatory limitations to our ability to delete Your Data.</p>\n\n<p><strong>Interpretation of this Policy </strong>Any interpretation associated with this Policy will be made by our Privacy Officer. This Privacy Policy includes examples but is not intended to be restricted in its application to such examples; therefore, where the word "including" is used, it shall mean "including without limitation".</p>\n\n<p>FOR CANADIAN USERS ONLY: This Policy does not create or confer upon any individual any rights, or impose upon us any rights or obligations outside of, or in addition to, any rights or obligations imposed by Canada's federal and provincial privacy laws, as applicable. Should there be, in a specific case, any inconsistency between this Policy and Canada's federal and provincial privacy laws, as applicable, this Policy shall be interpreted, in respect of that case, to give effect to, and comply with, such privacy laws.</p>\n\n<p><strong>Contact. </strong>If you have any questions or concerns regarding this Policy, please contact our Privacy Officer and we will endeavor to answer your questions and advise you of any steps taken to address the issues raised by you. If you are dissatisfied with our response, you may be entitled to make a written submission to the Privacy Commissioner in your jurisdiction. The contact information for our Privacy Officer is as follows:</p>\n\n<p> Farmer's Business Network, Inc.</p>\n\n<p> Attn: Privacy Officer</p>\n\n<p> 388 El Camino Real</p>\n\n<p> San Carlos, CA 94070</p>\n\n<p> Email: legal@farmersbusinessnetwork.com</p>\n\n<p> </p>\n\n<p id=\"policy-revision\"><strong>Change Log. This change log is a summary only. You are responsible for reading and understanding this Policy.</strong></p>\n\n<p><strong>May 25, 2018: </strong>Following revisions: </p>\n\n<p><strong>Information Collected. </strong>Clarified the types of information collected, how we use it and when we share it.</p>\n\n<p><strong>Termination and Portability. </strong>Clarified that after termination we may continue to use Your Data consistent with this Policy and our Terms of Service, or we may elect to delete it, if technologically possible.</p>\n\n<p><strong>Consent. </strong>Described how your consent is obtained to use Your Data and how you may opt out.</p>\n\n<p><strong>Data Definitions.</strong> Clarified the types of Data that we handle and how we define each.</p>\n\n<p><strong>Access to Your Data. </strong>Clarified when and how you can request access to Your Data.</p>\n\n<p><strong>Canadian Members. </strong>Added terms throughout that are applicable to our Canadian Members.</p>\n\n<p><strong>Data Storage and Transmission. </strong>Disclosed where Your Data may be transmitted to/from and stored.</p>\n\n<p><strong>Contact. </strong>Specified that you should contact our Privacy Officer if you have questions or concerns about this Policy.</p>\n\n<p><strong>Interpretation. </strong>Provided clarification as to how this Policy should be interpreted.</p>\n\n<p><strong>Scope. </strong>Clarified that this Policy applies to all of your interactions with us.</p>\n\n<p><strong>Sharing Settings. </strong>Clarified that you should check your sharing settings anytime you share Your Data with others. </p>\n\n<p><strong>Affiliates. </strong>Defined who are affiliates of Farmer's Business Network, Inc.</p>\n\n<p> </p>\n\n<p><strong>February 10, 2016: </strong>Following revisions:</p>\n\n<p><strong>Affiliates.</strong> Clarified this policy applies to Personal Information you share with our affiliates, including FBN Inputs, LLC and FBN Capital, LLC.</p>\n\n<p><strong>Scope</strong>. Clarified that when we refer to your “Data” in this policy we are referring to both your “Personal Information” or “Ag Data.” Some of the provisions of this policy apply only to a specific categories of information and in those cases we continue to refer to Personal Information of Ag Data.</p>\n\n<p><strong>Information Collection</strong>. Expanded scope of Personal Information you may provide to us to include information on your personal and financial affairs, such as financial and tax information used in a loan application.</p>\n\n<p><strong>Sharing of Personal Information—Third Party Service Providers. </strong>Clarified the circumstances in which we share your Personal Information with third party service providers.</p>\n\n<p><strong>Termination and Portability</strong>. Referenced the termination procedures specified in the Terms of Service. Added a portability commitment that allows you to request that we return a copy of any Ag Data that you submitted in the format that you originally submitted it.</p>\n\n<p><strong>March 31, 2015: </strong>Following revisions:</p>\n\n<p><strong>Definitions.</strong> Updated the definition of Personal Information so that it is used consistently throughout the policy. It covers your “personally identifiable information” that you provide to us or that we gather when you are accessing or using our Services.</p>\n\n<p><strong>Mobile Apps.</strong> Updated the definition of the scope of our services to include mobile applications.</p>\n\n<p><strong>Privacy Policy Changes.</strong> Clarified how we can update the privacy policy. We will notify you of the changes by placing a notice on farmersbusinessnetwork.com and by sending you an email. On your next visit to www.farmersbusinessnetwork.com, you will be asked to agree to the updated privacy policy. If you don’t agree, you may decline, but this means you will no longer be able to use our services.</p>\n\n<p><strong>Communicating with you.</strong> Added that we may use your Personal Information to send confirmations, promotions, invoices, technical notices, updates, security alerts, and support and administrative messages.</p>\n\n<p><strong>Traffic Data.</strong> Clarified that we may use Traffic Data—such as what page(s) within Services a member visits—to provide support services to individually identified users.</p>\n\n<p><strong>Third Party Links.</strong> Clarified that our Services may include links to not only our advertising partners but also third party sites, content and ads that we believe our members may find useful.</p>\n\n<p><strong>Account Settings.</strong> Changed the Personal Information you can update in your account settings to include your address and payment information.</p>\n\n<p><strong>June 11, 2014:</strong> First version.</p>\n\n<p><a href=\"https://www.agdatatransparent.com/certified/fbn\" target=\"_blank\"><img alt=\"Ag Data Transparent Seal\" src=\"https://s.farmersbusinessnetwork.com/AgData_Logo_Solid_RGB.png\" style=\"width: 150px; height: 150px;\" /></a></p>\n\n<p> </p>";
- tos = "\n<p align=\"center\"><strong>FBN\U2120 Market Intelligence Terms of Service</strong></p>\n\n<p>FBN BR LLC Market Intelligence Services</p>\n\n<p>FBN BR LLC (Provider, us, our) and provides paid crop marketing newsletters and related services (Services) detailed below. By clicking \U201cI ACCEPT\U201d below, you agree to be bound by these Terms of Service (Terms).</p>\n\n<p>THESE TERMS ARE A BINDING CONTRACT BETWEEN YOU AND FBN BR LLC (COLLECTIVELY \U201cFBN COMPANIES,\U201d \U201cWE\U201d, \U201cOUR\" AND \U201cUS\U201d). ACCESS AND USE OF THE SERVICES ARE PROVIDED TO YOU ON THE CONDITION THAT YOU ACCEPT THESE TERMS. BY ACCESSING OR USING THE SERVICES, YOU AGREE TO THESE TERMS. IF YOU DO NOT ACCEPT THESE TERMS, YOU MAY NOT ACCESS OR USE THE SERVICES.</p>\n\n<p>IMPORTANT NOTICE: DISPUTES ABOUT THESE TERMS OR RELATING TO THE SERVICES GENERALLY MUST BE RESOLVED BY BINDING ARBITRATION AND ON AN INDIVIDUAL BASIS ONLY.</p>\n\n<p>Please review our Privacy Policy at <a href=\"https://www.fbn.com/page/show/privacy-policy\">https://www.fbn.com/page/show/privacy-policy</a> for more information about how we handle Your Data, Ag Data, Financial Data, Personal Data, and Data (including Your Data), generally, and how we use each category of data is defined in the Privacy Policy.</p>\n\n<p>Please also review our general Terms of Service at <a href=\"https://www.fbn.com/page/show/tos\">https://www.fbn.com/page/show/tos</a> for terms that are also applicable to the Services. In the event of a conflict between these Terms and our Terms of Service, these Terms govern.</p>\n\n<p>Services: The Services initially consist of the following and may be updated by us from time to time upon notice to you:</p>\n\n<ul>\n<li>Weekly and daily market commentary providing context on recent changes in select commodity markets a well as important market factors to evaluate looking forward</li>\n<li>Pricing Recommendations, including price targets and percent sold recommendations using cash contracts for select commodities</li>\n</ul>\n\n<p>The Services are offered on a subscription basis, either monthly or annual, based on your election when you sign-up. You can change your selected plan. Your access to the Services is conditioned on your continued payment of all applicable fees, which are subject to change, as set out in the \"Price Adjustments\" section below.</p>\n\n<p>Free trial. If your subscription is a free trial, payment will be due immediately upon expiration of your free trial. If you have a valid credit card on file with us, we will automatically charge that card upon expiration of your free trial. You may cancel your subscription within one day of trial completion to avoid a charge by calling (605) 223-4927.</p>\n\n<p>Recurring Charges / Automatic Renewal Conditions. A credit card is required to activate your access to the Services. We may automatically renew your membership at the price then in effect (see Price Adjustments, below), and you consent to us charging your credit card accordingly. If you do not wish to automatically renew your membership, please contact us at least two (2) business days before your expiration date to avoid any additional charges. If you cancel after your expiration date, you may be charged for the applicable renewal period and your cancellation would take effect the following renewal period, subject to applicable law. We will not send you statements. Receipts for recurring charges can will be emailed to you. If you revoke authorization for us to charge you, or if for any reason your payment issuer does not submit payment, we reserve the right to or temporarily suspend or cancel your access to your account.</p>\n\n<p>Price Adjustments. We may modify pricing plans for the Services at any time. If we modify a membership plan which renews automatically, we will give you notice at least two (2) days before the beginning of the renewal term in which those modifications will take effect. If your subscription is thereafter renewed or deemed to have been renewed, as applicable, such renewal shall incorporate the new plan and you authorize us to charge you accordingly.</p>\n\n<p>Payment Methods. For the Services, we only accept credit cards payments. You are solely responsible for any additional transaction fees associated which may be levied in connection with these payment methods. We may partner with third parties, such as NACHA, Stripe, Plaid, and participating banks (\"Financial Institutions\"), to implement these payment methods and you are solely responsible for reviewing and complying with their terms and conditions.</p>\n\n<p>Cancellation. You may cancel your subscription at any time. No refunds will be provided. To cancel your membership, contact FBN Support at 1-844-200-FARM or support@farmersbusinessnetwork.com.</p>\n\n<p>Content. The Services includes content that is protected by copyright law and you agree that you will not use, copy, reproduce, modify, translate, publish, broadcast, send, share, transmit, distribute, perform, upload, display, license, sell or otherwise exploit for any purpose whatsoever the content contained in the Services without our prior consent, which can be withheld by us in our sole discretion and for any reason whatsoever.</p>\n\n";
- };
- version = 1;
- };
- }
Advertisement
Add Comment
Please, Sign In to add comment
Advertisement
