This notice describes our privacy policies and procedures in safeguarding information about customers and former customers that obtain financial products or services for personal, family or household purposes. Please note that if state law is more protective of an individual's privacy than federal privacy law, we will protect information in accordance with state law while also meeting federal requirements.
We collect and maintain personal information to provide you with coverage, products or services and to service your account. We collect certain information ("nonpublic personal information") about you and the members of your household ("you") from the following sources: Information you provide on applications or other forms, such as your national ID number, crop production history and land information; Information about your transactions with us, our affiliates or others, such as your crop sales and payment history; Information from your field agent farm visits to you through questionares on our Farmshine Collect app we operate, use of our mobile site & application, and interaction with our various application;
We restrict access to personal information about you to individuals, such as our employees and agents, who provide you with our products and services. We require individuals with access to your customer information to protect it and keep it confidential. We maintain physical, electronic, and procedural safeguards that comply with applicable regulatory standards to guard your nonpublic personal information. We do not disclose any nonpublic personal information about you except as described in this notice.
We may disclose the nonpublic personal information we collect about you, as described above, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements and to other third parties, all as permitted by law. Many employers, benefit plans or plan sponsors restrict the information that can be shared about their employees or members by companies that provide them with products or services. If you have a relationship with Farmshine or one of its affiliates as a result of products or services provided through an employer, benefit plan or plan sponsor, we will follow the privacy restrictions of that organization. We are permitted to disclose personal information: (1) to process your transaction with us, for instance, to process claims or to prevent fraud; (2) with your written authorization, and (3) otherwise as permitted by law.
The Farmshine includes affiliates that offer a variety of financial products and services in addition to insurance. Sharing information enables our affiliates to offer you a more complete range of products and services. We may disclose nonpublic personal information, as described above in Information We Collect, to our affiliates, which include: Financial service providers such as insurance companies and reciprocals, investment companies, underwriters and brokers/dealers. Non-financial service providers, such as management companies, attorneys-in-fact and billing companies. We are permitted by law to share information with our affiliates about our transactions with you. In addition, we may share consumer report information, such as information from our custom credit reports and certain application information, received from you and from third parties, such as consumer reporting agencies and insurance support organizations.
If you prefer that we not share consumer report information with our affiliates, except as otherwise permitted by law, you may request an Opt-Out Form by talking to our field agents,We will implement your request within a reasonable time after we receive the form an opt-out sms will be sent to your registered phone number. If you decide not to opt-out or if you have previously submitted a request to opt-out on each of your policies, no further action is required. Modifications to our Privacy Policy We reserve the right to change our privacy practices in the future, which may include sharing nonpublic personal information about you with nonaffiliated third parties. Before we make any changes, we will provide you with a revised privacy notice and give you the opportunity to opt-out of that type of information sharing.
Our website privacy notices contain additional information about website use. Please review those notices if you transmit personal information to Farmshine over the Internet.
While any user may request a copy of this notice, we are providing this notice to the named user residing at the mailing address to which we send your policy information. You also may receive notices from affiliates, other than those listed below.
This notice is required by federal law. For more information, please visit farmshine.io
PP Sherpas Limited, Yash Commodities Limited, The above is a list of the affiliates on whose behalf this privacy notice is being provided. It is not a comprehensive list of all affiliates of Farmshine
If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us. info@farmshine.io
Farmshine policy is to protect the confidentiality of the individually identifiable information that you provide, and to limit access to that information only to those with a need to know. Field agent may collect your name, address, phone number,location details,land details and e-mail address at this site. We will use this information to provide you information you request, to refer you to a Field agent, to refer you to a third party service provider or to comply with a legal requirement. When you encounter a screen in this site that asks for information you do not want us to have or use, you should not proceed further with that screen.
We have agreements with third parties that allow you to go to their web site from our Web Site. If you go to these sites from our site, you may be asked to give non-public personal information for access to their services or products. You may become a part of that business' customer base and be subject to their policies regarding the handling of customer data. Please be aware that Farmshine is not responsible for the privacy practices of those sites, even though Farmshine' name or logo may appear on those sites. We encourage you to be aware of this when you leave our site and to read the Privacy Statements of each and every web site that you visit, as the privacy policy of those sites may differ from ours. Our privacy statement applies solely to our Web Site.
Our policy is to restrict access to nonpublic personal information about you only to those employees who need to know that information to provide products or services to you or to provide necessary technical support. We require the employees with access to your nonpublic personal information, including your social security numbers, to use safeguards against unauthorized access, use and unlawful disclosure. We require our employees to adhere to high standards of ethics and integrity in performing their jobs and conducting business. We also require the same standards of confidentiality from the service vendors that assist us. Farmshine uses no encryption (data scrambling) on public portions of the Site and up to 2048-bit encryption on other portions—typically, where you can enter personally identifiable information. When you are on any web site that asks you for confidential information, you should check to see if the information being transmitted is encrypted in order to increase the security of your information.
In addition to the information you provide us, we collect information about your activities while using our mobile apps. While you are logged in our mobile apps, we log IP addresses (a number assigned to your device when you use the Internet), browser and platform types, domain names, access times, referral data (the last site or URL you visited before logging into our site and the first site or URL you visit after leaving our site), and your activity while using or reviewing our site. We obtain the information by using cookies.
Farmshine also uses cookies in the user area of the site to store authentication information automatically password token (optionally) so that the user does not have to repeatedly retype the information. For users' convenience, this cookie is stored for subsequent sessions. User area cookies are also used to identify valid users in order to protect access to their specific user information and to personalize their experience on the site. The web server also creates cookies to uniquely identify each user session when a member visits the site. This latter cookie is automatically deleted at the end of a session. No personal identifying information is stored on any cookie nor do we retain any information from cookies on our databases.
Farmshine may preserve for any period of time it deems appropriate all information you provide. Farmshine may also disclose information you provide if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) complete your transaction; (b) comply with legal process; (c) enforce this Agreement; (d) respond to claims that any materials on this Site violate your rights or the rights of third parties; (e) protect the rights, property, or personal safety of Farmshine, its users and/or the public; or (f) in the event that all or substantially all of Farmshine assets are acquired by a third party.
We reserve the right, at any time, to change or modify our policies on the use of information you provide us, and will post the revised policy on our Web Site. We, therefore, recommend you review this policy statement each time you may be asked to give us personal information after accessing this site.
We also recommend you read the section called Legal Disclaimer. The Legal Disclaimer section describes the terms and conditions for use of our Web Site, discusses the content in this site, and information about your responsibilities when using this site.
Farmshine makes no active effort to collect personal information from children and does not wish to receive any such information.
December 20, 2017
