California Privacy Notice
Updated: June 3, 2025
The California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act of 2020 (collectively, the “CPRA”), grants California residents several rights regarding their personal information. This notice regarding those rights supplements the information contained in Rural 1st®’s Privacy Notice and applies solely to all visitors, users, and others who reside in the state of California (“consumers” or “you”). We adopt this notice to comply with the terms of the CPRA and any terms defined in the CPRA have the same meaning when used in this notice.
Notice at collection regarding the categories of personal information collected
We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device (“personal information”). Personal information does not include:
- Publicly available information
- Deidentified or aggregated consumer information
- Information excluded from CPRA’s scope, like personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA), the California Financial Information Privacy Act (FIPA), the federal Farm Credit Act of 1971, and the Driver’s Privacy Protection Act of 1994.
You have the right to receive notice of the categories of personal information we collect and the purposes for which we use personal information. The following table summarizes the categories of personal and sensitive information we have collected in the preceding 12 months, the categories of sources of that information, and the categories of third parties to whom we have disclosed such information for a business purpose. We do not sell your personal information and we do not knowingly sell or share personal information of consumers under 16 years of age. We share your information in order to participate in targeted advertising using cookies, beacons, and pixels as described in our Privacy Notice. The categories we use to describe personal information are those enumerated in the CPRA. We collect this personal information for the purposes described in “how do we use your information” in our Privacy Notice.
| Category | Information Type Examples | Source | We Disclose To: |
|---|---|---|---|
| Identifiers (inclusive of sensitive personal information as defined under California law) | Contact information or personal characteristics (name; email address; postal address; telephone number; unique personal identifiers; driver’s license number; social security number; passport number; insurance policy number; signature) Social media handles | You or members of your household; our social media pages; third party subscription service providers | Application hosting, IT, marketing, loan servicing, security, CRM, payment processing, analytics, and credit check service providers; Advertising and social media platforms; Legal entities established pursuant to the Farm Credit Act of 1971; Government Agencies; Third party lenders and insurers with whom we partner to provide services you request |
| Financial information | Bank account information Credit check information | You or members of your household | Credit check, loan servicing, and security service providers; Legal entities established pursuant to the Farm Credit Act of 1971; Third party lenders and insurers with whom we partner to provide services you request |
| Protected classifications and other sensitive data | Date of birth Gender Race National origin Citizenship Marital status Veteran or military status | You or members of your household | Application hosting, IT, marketing, loan servicing, security, CRM, analytics, and credit check service providers; Legal entities established pursuant to the Farm Credit Act of 1971; Government Agencies; Third party lenders and insurers with whom we partner to provide services you request |
| Commercial information | Transaction information Billing and payment records | You | Accounting, loan servicing, and payment processing Service Providers; Legal entities established pursuant to the Farm Credit Act of 1971; Third party lenders and insurers with whom we partner to provide services you request |
| Internet or electronic network activity information | IP address Device identifier (e.g., MAC) Advertising identifier (e.g., IDFA, AAID) Information provided in url string (e.g. search keywords) Cookie or pixel tracking information Information about your interaction with our Website Browsing history Search history Diagnostic information (e.g., crash logs, performance data) | You; our analytics and advertising partners | Application hosting, IT, marketing, and analytics service providers; Advertising and social media platforms |
| Sensory data (audio, electronic, visual, or similar information) | Call recordings Photographs | You | Hosting and telecom service providers |
| Professional or employment-related information | Current employer Job title Wage/Salary information | You or members of your household | CRM, ethics reporting service providers |
| Inferences drawn from other personal information | Profile information reflecting preferences, characteristics, attitudes, and behaviors | You; our analytics and advertising partners | CRM, Analytics, and marketing service providers; Advertising and social media platforms |
Notice of right to opt-out of sale and sharing of your personal information
The CPRA grants you the right to opt out of the sale or sharing of your personal information. We share your personal information for targeted advertising and you have the right to opt out of such sharing of personal information. You may exercise this right as described below, by submitting a “Request to Opt Out” in our request form, by accessing our Privacy Preference Center, accessing our Cookie Setting tool, or by enabling a device’s Global Privacy Control or Do No Track functionality. Even if you opt out of such sharing you may still receive ads from us, but they will not be tailored to you. During the past 12-month period we have shared the following categories of personal information to the following categories of recipients:
| Category of Personal Information Shared | Category of Recipient |
|---|---|
| Identifiers | Advertising, social media, and marketing platforms |
| Internet or electronic network activity information | Advertising, social media, and marketing platforms |
| Geolocation Information | Advertising, social media, and marketing platforms |
| Inferences drawn from other personal information | Advertising, social media, and marketing platforms |
Your right to know what personal information has been collected
You have the right to request that Rural 1st® disclose to you:
- The categories of personal information we have collected about you.
- The categories of sources from which your personal information is collected.
- The business or commercial purpose for collecting or selling the personal information, as applicable.
- The categories of service providers with whom personal information was shared.
- The specific pieces of personal information that we have collected about you.
- Whether or not your personal information has been sold.
You can find this information in this California Privacy Notice and our main Privacy Notice.
Your right to request deletion of your personal information
You have the right to request that your personal information be deleted. We may deny your deletion request if an exception under the CPRA applies, including without limitation if retaining the information is necessary for us or our service providers to:
- Complete the transaction for which the personal information was collected, provide a good or service requested by you, or reasonably anticipated by you within the context of an ongoing business relationship with you, or otherwise perform our contract with you.
- Help to ensure security and integrity to the extent the use of the personal information is reasonably necessary and proportionate for those purposes.
- Debug to identify and repair errors that impair existing intended functionality.
- Exercise free speech, ensure the right of another consumer to exercise that consumer’s right of free speech, or exercise another right provided for by law.
- Comply with the California Electronic Communications Privacy Act pursuant to Chapter 3.6 (commencing with Section 1546) of Title 12 of Part 2 of the Penal Code.
- To enable solely internal uses that are reasonably aligned with consumer expectations of the consumer based on your relationship with us and compatible with the context in which you provided the information.
- Comply with a legal obligation.
Your right to request correction of your personal information
You have the right to request that your personal information be corrected if inaccurate.
How to submit your personal information request
If you wish to exercise any of your personal information rights you may submit a request. We will evaluate your request upon receipt and process your request subject to exceptions as outlined by law. The response we provide will explain the reason(s) that we cannot, or are not required to, comply with a request, if applicable. We will only be able to process your request once we have positively verified your identity or authority to make the request. In order to verify your identity we may ask that your provide us with information about yourself to help us with that process. If we cannot verify your identity we will notify you that your request may not be processed. We may deny any request that we believe to be fraudulent.
If you would like for an authorized agent to exercise your rights for you they may do so by submitting a request. We will require that your agent submit documentation substantiating their authority to act on your behalf, which may include a valid power of attorney or a letter from you authorizing the agent to submit the request.
We will attempt to provide a response to your request within forty-five (45) days. If we need additional time to respond to your request, we will notify you of the additional time needed (up to an additional 45 days).
Shine the light
We do not disclose personal information to third parties for their direct marketing purposes.
Nondiscrimination right
Rural 1st® will not discriminate against a consumer because the consumer exercised any of their rights under Title 1.81.5 to Part 4 of Division 3 of the California Civil Code, relating to privacy.
Contact information
You may contact us using any of the following contact options or by visiting our nearest office location.
Email: [email protected]
Toll-free in the U.S.: 855-273-4861
Web form: Contact Form
Postal mail:
Rural 1st®12501 Lakefront Place
Louisville, KY 40299
