READ THE FOLLOWING AGREEMENT AND TERMS OF USE CAREFULLY.

THE TERMS OF USE AND AGREEMENT SET FORTH BELOW (“TERMS OF USE”) GOVERN THE USE OF THE DIGITAL PLATFORMS OF FARM CREDIT SERVICES OF AMERICA®, AGCOUNTRY FARM CREDIT SERVICES®, AND FRONTIER FARM CREDIT®, INCLUDING THE DIGITAL PLATFORMS SERVICED BY THE AGDIRECT® TEAM AT FARM CREDIT SERVICES OF AMERICA.

BY ACCESSING AND UTILIZING THE DIGITAL PLATFORMS, YOU ARE CONFIRMING THAT YOU HAVE REVIEWED AND AGREED TO THESE TERMS OF USE.

Products and services offered by Farm Credit Services of America, AgCountry Farm Credit Services, and Frontier Farm Credit are subject to applicable credit approval and eligibility determinations. (See “Transactions and Account Agreements” below.)

Definitions

The following definitions and references apply to these Terms of Use:

  • “You” and “Your” refer to the person(s) accessing Platforms and/or establishing an online account for accessing the Platforms, including Authorized Users.
  • The “Association(s)” means, either individually or collectively, AgCountry Farm Credit Services, ACA, Farm Credit Services of America, ACA, Frontier Farm Credit, ACA, and their subsidiaries or affiliates, all jointly managed and operated corporations, and includes the AgDirect team at Farm Credit Services of America.
  • “Platform” or “Platforms” means all online or mobile applications of the Associations in which you may submit an application for or inquiry about services and in which you may access Your account(s), financial, insurance, or other data and information using Your personal computer, tablet computer, mobile phone, or other internet capable device.
  • “Authorized User” means a user of the Platforms whom a person setting up an online account for accessing Platforms or online services has invited to access the Platforms and otherwise allow access to the person’s accounts or information.
  • “Login” is the process by which an Authorized User authenticates their identity to gain access to any Online Platform by entering valid authentication credentials, consisting of a username (or email address) and a password, or other secure authentication methods such as biometric data or multi-factor authentication.

Scope of License

These Terms of Use grant to You a license for the use of the Platforms, which is a limited, non-transferable right granted to use and access products and services offered and/or serviced by the Association on a device, mobile or otherwise, which You own or control. You may not distribute or make Platforms available over a network where the Platforms may be used by multiple devices at the same time.

Use of the Platforms

By using any Platform, You agree to: (1) use the Platforms only (i) in connection with Your accounts established with the Associations, or (ii) in connection with such operations for which you have been granted proper access by an authorized representative of such personal accounts or business operations; and, (2) comply with any user requirements and security procedures that the Association provides to You or are required to access a Platform.

Platforms are generally available 24 hours a day, seven days a week, except during special maintenance periods; however, the Associations do not guarantee that the Platforms will be available for any specific time periods.

Certain Platforms are provided for informational or illustrative purposes only. You acknowledge that results of Your use of these Platforms and any functions within the Platforms are to provide general information only. Financial calculators or similar Platforms will round numbers to the nearest dollar amount and interest is generally calculated on a 360-day year basis, unless indicated otherwise within the Platform. Interest rate information made available does not mean that you would qualify for a loan at such a rate. Weather and other news related information is sourced by third parties and the Associations have no control over such information.

Access to Platforms

When accessing the Online Platforms, You agree, represent, and warrant the following: (1) You are at least 13 years old (for all purposes); (2) You are at least the legal age required for certain products and services; (3). You are not on any U.S. Government list of prohibited or restricted parties; and (4) You are not attempting to access the Digital Platforms from any country under sanctions by the Office of Foreign assets Control (OFAC).

You may only gain access to the Associations’ Platforms with Your internet-enabled device through Your internet service provider using identity verification and/or authentication processes required by the Association. Access to the Platforms may involve security processes of third-party service providers or makers of internet-enabled devices. Such processes may also involve You providing Personal Information. Any Personal Information you provide to a third party shall be governed by the privacy statement or policies of such third parties. See the Associations’ Privacy, Security Data Use and Permissions below which govern the Associations’ use of your Personal Information. Be aware that Your use of the Platforms may make you subject to message or data rates charged by your internet or other service providers. Downloading or installation of the Platforms using a mobile device may subject You to usage rules or other agreements related to such providers. The Associations have no liability for delays or damages sustained because of failures or your devices.

You agree to protect and keep confidential any account numbers, PINs, user IDs, passwords, or other information necessary to access the Platforms. You are responsible for any loss incurred due to Your failure to protect such items. Your failure to keep such information confidentially may result in a requirement to change user credentials, passwords, and/or revocation of Online Platform privileges.

You may not distribute or make a Platform available over a network where it could be used by multiple mobile or other devices at the same time.

Authorized Users

You may provide permission to other individuals as an Authorized User to access the Platforms. Such access may be initiated using Authorized User features within the Platforms or by completing a written authorization form provided by and delivered to the Association. You may designate specific access rights utilizing features within the Platforms. You are solely responsible for the actions of any Authorized User accessing the Platforms on Your behalf, regardless of any other authorizations You may have made or provided to the Association concerning access to Your account(s) and the funds in Your account(s). Depending upon the access rights You grant to an Authorized User, Authorized Users may view account balances and transactions, make payments on accounts, make disbursements from accounts, perform account maintenance, view, and create financial statements, review and modify insurance information, and such other actions as You authorize. You acknowledge any risks that may be created by granting access to Authorized Users and assume responsibility for any actions taken by Authorized Users. All Authorized Users shall be subject to, must comply, and are bound by these Terms of Use. Upon You granting such permissions, any reference herein to “You” will include all of Your Authorized Users

Termination of Access

The Associations may terminate Your use or access, or the use or access of Your Authorized Users, at any time and without further notice. If You choose to cancel access to the Platforms or other online access or any rights thereto with respect to any Authorized User, You must contact the Associations by calling 1-877-348-3810 or calling our AgDirect Team at 866-507-6555.

Communications

You are responsible for providing the Association with a valid email address and/or phone number to utilize the Platforms. The Association will use a secure email system when sending you documents or other information. Use the secure email system to send private, confidential, and sensitive information or documents to the Association. Request access to the secure email system from an Association team member if needed and information will be provided for such access. The use of unsecure communications platforms may make Your information subject to capture by unauthorized third parties. If You send a communication via email or text message to the Association or any employee, agent or other representative of the Association, no action will be taken with respect to the email or text message until the Association actually receives the communication and has a reasonable opportunity to react. The Associations may respond to You by email or text message regarding any matter related to Platforms, including responding to any claim of an unauthorized transaction. Any such communication sent to You by the Association is considered received within three (3) days of the date sent by the Association, regardless of whether You sign on to Platforms, within that time frame. DO NOT rely on email or text messages if You need to communicate with the Association immediately; such as, if You need to report an unauthorized transaction on Your account or if You need to stop a transaction scheduled to occur.

The Associations also always reserve the right to communicate all account, financial or insurance information to You through the U.S. Postal Service or overnight courier, at the Associations’ option. Any notice or account, financial or insurance information the Associations send to You will be effective when mailed, sent electronically or otherwise made available to You. Any notice You send to the Association will not be effective until the Association receives the notice and has a reasonable opportunity to act on the notice. You assume the risk of loss in transit.

You agree that the Associations may make telephone calls, send text messages or push notifications from Platforms to You in order for the Associations to service Your accounts, collect any amount You may owe, or discuss the Association’s relationship, products, and services with You. Message and data rates assessed by third party service providers You do business with may apply. Representatives of the Associations will never ask for your Login information.

NOTE: Certain security alerts and other communications may not be turned off and/or You may not opt-out of such notices. Accounts alerts may be turned off as You may indicate through Platforms with such functionality.

E-Sign Act Consent and Disclosure

These Terms of Use apply to all notices, disclosures, statements, and other communications provided to You through the Platforms. Such communications include any disclosure required by law, statements, letters, alerts, tax documents, and other informational matters. Your use of a Platform will constitute consent to receive communications electronically and the use of signatures submitted electronically.

You are advised as follows:

  • You have a right to receive and review hard or printed copies of any documents at any time, including before You execute any documents.
  • At any time, You have the right to withdraw your consent to signing documents, receiving documents, or doing any business electronically. See the contact information at the end of these Terms of Use to withdraw consent.
  • You have right to have any transaction explained to You before You execute any document electronically.
  • To access records, view, or sign documents, You must have:
    • An up-to-date computer, tablet, mobile device, or other instrument supported by the manufacturer and is capable of displaying communications in electronic form.
    • A compatible and up-to-date web browser.
    • Software capable of displaying .PDF files.
    • Storage space to save your electronic documents.
    • A valid email address (separate emails for each user may be required),

You acknowledge that all services available through the Platforms are subject to compliance with the federal Electronic Signatures in Global and National Commerce Act (“E-Sign Act”) and similar state laws.

Your consent applies to all devices you use to access the Platforms, access Your accounts, and view electronic documents.

You will have options to manage electronic delivery preferences and to withdraw your consent.

Account Information

Account information and data provided to you on the Platforms, including account balances and records of transactions, are provided as a convenience and is not the official record of Your account(s) or account activity. Amounts shown through a Platform are estimates only. Your account statement furnished to You, either in paper format or electronically, will remain the official record. Information on the Platforms is updated regularly but is subject to adjustment and correction.

Account Agreements

In addition to these Terms of Use, all transactions You or Your Authorized User(s) instigate through a Platform shall be governed by any separate account agreements, promissory notes, or other agreements You have entered into with the Association. You agree to repay all Your obligations to the Association as set forth in such agreements, and You understand that Your use of the Platforms does not change the terms and conditions of any such agreements. If these Terms of Use conflict with any such separate agreements, then the other agreement will be controlling. The Association has no obligation to execute transactions requested through the Platforms by You or Authorized Users if such a transaction would result in any indebtedness of You being more than the Association’s approved commitments to You.

Accuracy of Your Information

You are responsible for the completeness, truth, accuracy, correctness and suitability of information You or any Authorized Users provide, or a third party provides on Your behalf, to the Associations. The Associations have no obligation to determine whether any such information is accurate, even if the Associations may have reason to know or suspect that certain information may not be accurate. The Associations may rely without question on all such information. The Associations are not liable for problems resulting from inaccurate information, or discrepancies between the account and policy holder names and account numbers You or any Authorized User provides, or a third party provides on Your behalf. As a convenience to You, the Association may obtain the external financial institution’s routing number, but the Association has no liability for any inaccurate information the Association obtains on Your behalf.

Information Verification and Changes

By submitting Personal Information or other information through a Platform, including, but not limited to applications for credit or other services, you are confirming that all such information is true and accurate. You agree that You will notify the Associations immediately in the event of a change to Your information, including address or email changes. Changes may be initiated if You or any Authorized User instructs the Associations to change Your information. The Associations may act on any change purportedly made by You or any Authorized User on Your behalf within a reasonable time. In addition to making changes to Your information within a Platform, You may call the Association at 1-877-348-3810 to make any changes. You may also contact the AgDirect Team at 866-507-6555.

General Transactions Authorization

You hereby authorize us to complete any transactions to and from Your account(s), including transactions with any third parties You initiate. The Association is not responsible for an incoming transaction from an external financial institution until settlement takes place and the external financial institution provides proper account information allowing the Association to properly post transactions to Your account(s). If the Association’s records about a transaction are different from Your records or those of another financial institution, the records of the Association will be controlling. The Association shall make reasonable commercial efforts to complete Your transactions, but results are not guaranteed.

The Association’s business days are Monday through Friday, excluding holidays. All transactions through the Platforms received after 3:00 p.m. CT on business days and on Saturdays, Sundays, or holidays on which the Association chooses to remain closed, are processed on the next business day. The Association’s business day begins at 8:00 a.m. CT. If the online session during which You initiate or schedule a transaction before 3:00 p.m. CT, the Association shall be considered to have received the transaction on that day. Otherwise, the transaction shall be considered received on the following business day. Confirmation of the timing of all transactions shall be conclusively determined as recorded by the Association’s technical systems.

Electronic Funds Transfers and ACH Transactions

Some Platforms may provide You or Your Authorized User(s) with the ability to initiate transactions to make electronic funds transfers (Automated Clearing House or ACH transactions) between Your accounts with the Association and accounts at other financial institutions. All funds transferred from Your loan account(s) must be repaid in accordance with those agreements. The Association is not obligated to disburse or transfer funds if the disbursement or transfer would result in Your account(s) exceeding an approved maximum advance or loan amount.

Electronic funds transfers shall be handled in accordance with applicable federal, state, and local law. Additionally, You must comply with all procedures adopted by the Association in connection with electronic funds transfers, including procedures that minimize risk or may be required by the National Automated Clearing House Association (“NACHA”).

The Association or any financial institution handling an electronic funds transfer request may impose time and amount limits and restrictions in connection with when You may initiate an electronic funds transfer, and You agree to comply with such limits and restrictions.

You will be responsible for any fees associated with an electronic funds transfer You or Your Authorized Users initiate, including fees assessed for rejected transactions.

All electronic funds transfers from or to Your accounts will be reflected in the periodic statements You receive. You may also receive transfer confirmations and other information as the transfer request is processed. You agree to comply with any requirements or action necessary in connection with such confirmations or other information provided.

With respect to any electronic funds transfer, the Associations reserve the following rights: (a) to adjust future authorized transactions from Your account(s) if any such entry previously made is found to be duplicative, processed incorrectly, or is in excess of, or less than, the required amount; and (b) to initiate entries and adjustments from any prior authorized entries made in error.

Transaction Errors and Questions

In case of errors or questions regarding transactions, contact the local office of the Associations with whom You normally communicate, or You may call the Association at 1-877-348-3810 or our AgDirect Team at 866-507-6555. The Associations have no obligation to detect errors in any of the information You or Your Authorized Users provide in the Platforms (i.e., an erroneous payment to a third party not intended by You or an erroneous duplicate of a payment previously sent by You). Should the Association detect an error on one or more occasions and notify You of such error(s), such action does not obligate the Association to detect errors in the future.

Transaction Deadlines and Unauthorized Transactions

You should be aware that information for certain transactions must be received timely to be recorded and effective on a specific business day, including Remote Deposit, Wires, ACH transactions and account transfers.

You agree to exercise ordinary care to determine whether a transaction is completed timely and/or was either erroneous or not authorized. In the event You want to dispute any transaction, You agree to notify the Associations of the facts within a reasonable time after You receive notice of the transaction or the date of the transaction.

You should contact the Association for information on transaction deadlines.

CONTACT THE ASSOCIATION AT ONCE if You believe any portion of Your login credentials or other personal information has been lost, stolen or misused. Telephone the Association at 877-348-3810 or our AgDirect Team at 866-507-6555, which are the best ways to address these matters.

Remote Deposit

The following terms apply to Your use of the Associations’ Remote Deposit service.

  • Remote Deposit. The Remote Deposit is a Platform designed to allow You to apply payments (or make deposits) to Your line of credit from home or other remote locations by scanning or photographing your checks and electronically transmitting a digital image of Your paper checks to the Association or its designated processer.
  • Eligible Items. You agree to scan and deposit only “checks” as that term is defined in Federal Reserve Regulation CC. For this purpose, a “check” (as defined in Regulation CC) means a negotiable demand draft that is drawn on:
    • Or payable through or at an office of a bank;
    • A Federal Reserve Bank or a Federal Home Loan Bank;
    • The Treasury of the United States; or
    • A state or local government that is not payable through or at a bank.
  • Prohibited Checks. You agree that You will not scan and deposit any of the following types of checks or other items using Remote Deposit:
    • Third-party checks, i.e., any check payable to any personal or entity other than You;
    • Checks drawn on the same account in which the deposit is being made;
    • Checks containing evidence of alteration to the information on the check;
    • Checks previously converted to a “substitute check,” as defined in Regulation CC;
    • Checks drawn on a financial institution located outside the United States;
    • Checks previously cashed or deposited. Including items returned as “nonsufficient funds;”
    • Checks dated more than six (6) months prior to the date of deposit;
    • Checks that are irregular in any way; or
    • Checks with any endorsement on the back other than that specified below.
  • Image Quality. The image of an item transmitted to the Association using Remote Deposit must be legible. The image quality of the items must comply with the requirements established from time by the American National Standards Institute, the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearing house or association.
  • Endorsements of Checks. You agree to properly endorse each check prior to submitting such check through the use of the Remote Deposit Platform. Checks received without proper endorsement may be refused until the endorsement is completed as required. You will be responsible for any loss incurred by the Associations from attempted deposit of the same check at other financial institutions, delays, processing errors resulting from an irregular endorsement, or any other improper endorsement of the check.
  • Receipt of Items. The Associations reserve the right to reject any item transmitted through Remote Deposit, at the Associations’ discretion, without liability to You. The Associations are not responsible for items that are not received or for images that are dropped during transmission. The Associations further reserve the right to charge back to Your account, at any time, any item that the Associations subsequently determine was not an eligible item. You agree that the Associations are not liable for any loss, costs, or fees that you may incur as a result of any such chargeback of an ineligible item.
  • Disposal of Transmitted Items. Upon Your receipt of confirmation from the Association that it has successfully received your deposit, You should store the check in a secure location for a period of 60 days. After 60 days, and after You have confirmed the funds have been correctly applied to your operating line of credit (or other account), You agree to destroy the check by shredding it or marking it “VOID”. After destruction of the original check, the image will be the sole evidence of the original check. You will be liable for checks that are presented more than once.
  • Errors in Transmission. By using the Remote Deposit Platform, You accept the risk that any item may be intercepted or misdirected during transmission. The Associations bear no liability to You or others for any such intercepted or misdirected items or information disclosed through such errors.
  • Deposit Limits. The Associations reserve the right to impose limits on the amount(s) and/or number of payments/deposits that You transmit using the Remote Deposit Platform and to modify such limits from time to time. If You attempt to initiate a deposit in excess of these limits, the Associations may reject Your payment/deposit. If the Associations permit You to make a payment or deposit in excess of these limits, such payment will still be subject to these terms, and the Associations will not be obligated to allow such a deposit at other times.
  • Your Warranties. You warrant to the Associations that: (a) You will only transmit eligible items; (b) the amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine and accurate; (c) You will not transmit duplicate items; (d) You will not deposit or represent the original item; and (e) all information that you present to the Associations is accurate and true.

Funds Availability

Funds from Your account(s) will be available as set forth in Your account agreements; provided that funds available from Your account(s) until after such time as funds received in payment of outstanding balances on Your account(s) are verified and/or confirmed. Such verification or confirmation may result in funds being available on a date succeeding the date on which a payment is presented to the Association.

Fees

You or Your account(s) will be charged or debited for applicable fees associated with Your use of the Platforms as set forth in the Associations regular fee schedules which may be published or made available from time-to-time or as such fees may be set forth in any other agreement you have with the Associations. The Associations reserve the right to update and change any applicable fees at any time without notice to You or Your Authorized Users, unless otherwise agreed in writing. For more information about fees, see the Association’s Customer Information and Disclosure Handbook which is available by calling the numbers set forth in the Questions, Complaint or Claims section below.

Data Input and Importing

The Associations will receive data and information from You as a result of Your use of the Platforms or Your authorization of third parties to provide the Associations with data or information. You will need to contact such third parties with whom You do business to confirm or revoke such authorizations. All data and information provided by You or imported on Your behalf by the Associations and will be utilized in accordance with these Terms of Use, applicable law, and Your account agreements with the Associations.

You understand and agree that services of third parties and the transfer of data from such services to the Platforms of the Association may involve unencrypted data, including Your personal and financial information. You further understand and agree that the Associations have no liability in connection with Your use of such third-party services.

The Associations do not warrant that the Platforms will be compatible with third-party services You may utilize.

PLEASE NOTE: Please contact your third-party internet, mobile or other service providers, if You have questions about Your rights to access and utilize the information and data maintained by any of them.

Privacy, Security, Data Use and Permissions

These Terms of Use are subject to, and include, the Associations’ Privacy Statements and the provisions set forth on the Associations’ Fraud and Security webpages. The Privacy Statements and Security Statements describe how the Associations will use, share, and maintain personally identifiable information, the security measures the Associations take, actions taken pursuant to the Children’s Online Privacy Protection Act, and other privacy and security matters. As set forth in the Privacy Statements, Your personally identifiable information will not be shared with non-affiliates of the Associations without Your permission.

In order to administer and provide the Platforms for Your use, the Associations collect and use technical data, biometric data, and related information concerning You and Your accounts, including, but not limited to, technical information concerning any device You use to access the Platforms, Your device systems and related application software. Further, the Associations use anonymized and/or de-identified data, aggregated data, or other information you have provided to the Associations for purposes of deriving analytical data, performance benchmark information, and offering services to You and other customers of the Associations. The terms “anonymized data,” “de-identified data,” and “aggregated data” refers to data that has been subjected to processes of the Associations to generate useful data that cannot be used to identify You.

Monitoring and Recording Communications

For quality control purposes, the Associations may monitor or record communications with You. Recording may occur without any further notice to You. Such communications include telephone calls, cellular or mobile phone calls, electronic mail messages, text message, instant or live chats, or any other form of communication, whether through a Platform or the means.

Location Based Services

If you use any Platform that depends on location based or location identification technology, You grant the Associations to learn and record your location. If you disable location services on your phone or other technology, you may not be able to use Platforms that require such services.

User Comments and Feedback Permissions

While using certain Platforms, You may be able to provide reasonable suggestions, comments, and feedback regarding the Platforms, including, but not limited to, usability, enhancement suggestions, service system errors, testing results and other assistance the Associations may reasonably request. You may also be requested to participate in surveys, customer group reviews, conference calls, meetings, or other feedback events. In all such cases, you consent to, the use and publication of any quotations of comments made by You to the Associations. Further, the Associations are authorized to use such items for any purpose they deem appropriate, including, but not limited to, internal review of Platforms or future news articles, radio or television stories, newspapers, magazines, slide presentations, audio or video presentations, or other media regarding the Platforms. The use of such items will be: (a) without any compensation to You; (b) in conjunction with Your name or otherwise; and (c) in any format, color, size, shape, perspective, context, or variations thereof the Associations may choose. You hereby waive any right to inspect or approve any finished images or product utilizing such items. The undersigned release, discharge, and agree to hold harmless the Associations, their affiliates, representatives and assigns from any liability for their use of such items, including any claims for libel or violations of any rights of privacy.

Acknowledgement of License

You acknowledge that the Platforms are licensed, not sold, to You for use only under these Terms of Use. If an aspect of Platforms is accompanied by a separate license agreement, the terms of that separate license agreement will govern, subject to Your prior acceptance, of that separate license agreement. The Association reserves all rights not expressly granted to You.

You are responsible for obtaining, installing, maintaining, and operating all systems necessary for You to access and use the Platforms. You are additionally responsible for obtaining internet services necessary to access and use the Platforms. You are responsible for all risks associated with the use of such systems and services. You agree to provide additional information and complete further authorization, as may be required, for certain transactions, including, but not limited to, wire transfers and automated clearing house (ACH) transactions.

Proprietary Rights

You agree that the Platforms contain the Association’s proprietary trademarks, data, text, information, programs, and other materials protected by copyright, trademark, and other forms of ownership protection under the laws of the United States of America. As further described below, the Association utilizes third-party software providers to make some Platforms available to You. Except for Your personal and financial information, the Association, and such third parties where applicable, are the absolute owners of all intellectual property and rights applicable to materials in the Platforms. You do not have permission to copy, use or republish in any form any proprietary materials found on the Platforms, including, but not limited to, trademarks, data, text, information, programs, and other materials protected by copyright, trademark and other forms of ownership protection under the laws of the United States of America and which You do not own. You are only authorized to create an electronic copy of the information in the Platforms for Your own personal and informational use.

Third-Party Services and Prohibitions

Some Platforms may provide You with access to third-party websites, materials, and other services. You and Authorized Users specifically agree as follows with respect to the Platforms and any such third-party services:

  • To comply with any terms of use or other agreements required by a service provider in order to access the services, including the terms of any app provider, such as Google Play or Apple App Store.
  • Not to copy, reverse engineer, decompile, disassemble, modify, translate, adapt, create derivative works, or make any attempt to discover any software related to the services.
  • Not to remove, obscure, or alter any service provider's proprietary notices, disclaimers, trademarks, or other proprietary rights notices of any kind.
  • Not to copy any software, except for archive purposes or as otherwise permitted by the service provider.
  • Not to license, sublicense, sell, resell, transfer, assign, distribute, or share any software related to such services to another party.
  • That any service provided via a Platform is licensed, not sold, and that any service provider retains ownership of all portions of the services.
  • That any service provider is a third-party beneficiary in connection with the provisions herein related to any such service are made expressly for the benefit of and are enforceable by the respective service provider against You or Authorized Users.
  • Not to send spam or unsolicited messages in violation of the terms of use for such services or applicable law.
  • Not to interfere with or disrupt the integrity or performance of a service, including sending or storing material containing viruses, worms, trojan horses, or other harmful computer code, files, scripts, or other materials.
  • Not to attempt to probe, scan, or test any portion of the service, except as expressly authorized by the service provider in writing.
  • Not to use any service, software, or underlying technology in contravention of applicable U.S. and foreign export laws and regulations.

You acknowledge and agree that the Association is not responsible for examining or evaluating the content, accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality, or any other aspect of any third-party services. The Association does not warrant, endorse, and does not assume any liability or responsibility to You or any other person for any third-party services, third-party materials, or web sites, or for any other materials, products, or services of third parties. Third-party materials and links to other web sites are provided solely as a convenience to You. Any third-party materials or links to other web sites may be removed at any time at the discretion of the Association. The Association may also impose limits on the use of such third-party materials or links to other web sites without notice or liability to You.

Limitations of Liability

You are liable for all losses relating to unauthorized transactions which do not result solely from the gross negligence or intentional misconduct by the Associations. The Associations are only responsible for exercising ordinary care in providing Platforms and third-party services. The Associations are not liable in any way to You or for any loss or damages You incur in the following instances:

  • You do not have sufficient credit or funds available in Your account for the transaction.
  • Delays in mail delivery, changes to a payee’s address or account number, the failure of any payee to correctly account for or credit a payment in a timely manner.
  • Interruption of transmission or communication facilities, equipment failure, war, emergency conditions, disruptions in internet service or connections, Platforms, or other circumstances beyond the Association’s control.
  • A hold on Your account, or blocked access to Your account in accordance with Your other agreements with the Association.
  • Your account is subject to legal process or other encumbrance restricting the transaction.
  • Your authorization to make a transaction terminates.
  • You believe someone has accessed Your accounts without Your permission and You fail to notify the Association immediately.
  • You have not properly complied with these Terms of Use.
  • The Association receives incomplete or inaccurate information from You or a third party.
  • You default under these Terms of Use or any other agreement with the Association.
  • A third party does not accept Your transaction for any reason, including unintentional error or omission on the Association’s part.
  • You or Your current or former Authorized Users attempt or commit unauthorized, fraudulent, or dishonest acts.

The Associations will assist You with reasonable efforts to take appropriate corrective action to re-process transactions that may not have been completed or to correct incorrect transactions.

IN NO EVENT WILL THE ASSOCIATION BE LIABLE FOR: (1) DAMAGES IN EXCESS OF YOUR ACTUAL LOSS DUE TO THE ASSOCIATION’S FAILURE TO COMPLETE A TRANSACTION; AND, (2) ANY SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH YOUR USE OF THE ONLINE PLATFORMS OR ANY WEBSITE LINKED TO THE ONLINE PLATFORMS.

TO THE FULLEST EXTENT PERMITTED BY LAW, AND EXCEPT AS OTHERWISE SPECIFICALLY SET FORTH IN THIS AGREEMENT, THE ASSOCIATIONS AND ANY OF OUR OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, REPRESENTATIVES, AFFILIATES, AND AGENTS WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, COMPENSATORY, CONSEQUENTIAL, OR EXEMPLARY DAMAGES THAT ARISE FROM, REGARD OR RELATE TO, OR RESULT FROM THE ACCESS TO, USE OF (OR INABILITY TO ACCESS OR USE), OR AVAILABILITY OF (OR LACK THEREOF) THE DIGITAL PLATFORMS, SERVICES, OR PRODUCTS OF THE ASSOCIATIONS, REGARDLESS OF THE FORM OF THE ACTION AND EVEN IF THE ASSOCIATIONS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Disclaimer of Warranties

ALL Platforms are provided "AS IS", "AS AVAILABLE", and WITHOUT WARRANTY of any kind. THE ASSOCIATIONS DO NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THE PLATFORMS, EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THE PLATFORMS AND SPECIFICALLY DISCLAIMS ANY DUTY TO UPDATE THE PLATFORMS. IT IS EXPRESSLY UNDERSTOOD AND AGREED THAT EXCEPT AS SPECIFICALLY STATED IN THESE TERMS OF USE, ALL WARRANTIES, EXPRESSED OR IMPLIED INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, TITLE, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND FREEDOM FROM VIRUS, ARE HEREBY EXPRESSLY DISCLAIMED AND EXCLUDED.

Indemnification

You agree to indemnify, defend, and hold the Associations harmless from any damage, loss or liability of any kind, including without limitation, reasonable attorney's fees and court costs, which may result, directly or indirectly, in whole or in part, from the Your actions or those actions of Your Authorized Users under these Terms of Use pursuant to Your or any Authorized User’s instructions or the information You or any Authorized User provides to the Associations.

Waiver and Severability

The Associations shall not be deemed to have waived any rights or remedies under these Terms of Use unless such a waiver is granted in writing and signed by an Association representative.  No delay or omission by the Associations in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

If any provision of these Terms of Use conflict with the law under which the Terms of Use are to be construed or if any provision(s) of the Terms of Use are held invalid or unenforceable by a court of competent jurisdiction, that provision will be deemed to be restated to reflect as nearly as possible the original intentions expressed herein in accordance with applicable law. The remaining provisions of the Terms of Use and the application of the challenged provision to persons or circumstances other than those as to which it is invalid or unenforceable will not be affected thereby, and each of those provisions will be valid and enforceable to the full extent permitted by law.

Returned, Unclaimed Account Information

If any documents or an electronic notice is returned as undeliverable, the Associations may but are not required to discontinue sending account or insurance information to You until You provide a valid postal address or email. Additionally, the Association may, at the Associations;’ option, destroy account or insurance information sent to You and returned to the Association as undeliverable, hold the account or insurance information for You to pick-up, or discontinue sending the account or insurance information through the delivery channel generating returns and utilize an alternative delivery channel.

Modifications to these Terms of Use

The Association may change these Terms of Use from time to time by making the new Terms of Use available on the Association’s websites. The revised terms and conditions are effective at the earliest date allowed by applicable law.

Governing Law

These Terms of Use and Your use of Platforms are governed by applicable laws, statutes, and regulations of the United States of America and the State of Nebraska. Your use of Platforms or third-party services may also be subject to other local, state, or international laws. If any part of these Terms of Use is illegal or unenforceable, the unenforceable portion shall be construed with applicable law as nearly as possible to reflect the original intentions of the parties and the remainder shall remain in full force and effect.

Assistance Via CoBrowse

In addition to other resources available to You in utilizing the Platforms, You may use the CoBrowse which allows you to authorize Association representatives to view Your computer or mobile screen along with You to provide real time assistance or troubleshoot issues You may be experiencing on Your device.

CoBrowse also enables us to view Your active session in a Platform in a limited capacity to provide You with live onscreen assistance while utilizing the Platform. Association representatives will only be able to CoBrowse with You within the Platform and will not be able to view other applications on Your computer or mobile device.

Ending the CoBrowse Session

You may end Your session at any time by clicking “End Session,” or by closing Your web browser or the Platform. Once the CoBrowse session has ended, our ability to view Your active computer or mobile device screen will cease.

Questions, Complaint or Claims: You may contact the Association with any questions, complaints or claims with respect to the Platforms at:

For AgCountry Farm Credit Services, Farm Credit Services of America or Frontier Farm Credit contact us at:

PO Box 2409, Omaha, NE 68103-2409, Phone: 877-348-3810.

For questions related to data importing, call 877-348-3810.

To reach the AgDirect Team, Phone: 866-507-6555.

By contacting us at these numbers, You may also request a copy of the Association’s Customer Information and Disclosure Handbook which includes information on the Associations’ organizational structure, privacy, anonymous reporting, fees, credit bureau information, financial condition, related services offered, and patronage/dividend programs.

Updated August 31, 2025