Last Updated: 4.5.2023
Individuals who apply for or establish an account on AcreTrader should review our GLBA Privacy Notice.
We provide additional information for residents of California below.
Personal information we collect
Information you provide to us:
- Contact information, such as your first and last name, email and mailing addresses, and phone number.
- Account information, such as your date of birth, Social Security number (or other government-issued verification number(s)), and citizenship.
- Financial information needed to transfer money via your AcreTrader wallet and transact on our services, including your bank account details that you provide to us when you make a payment through our site. We will allow you to connect your financial accounts to our services through our service providers Dwolla and Plaid. Please see the “Payment processors” section below for additional information regarding how our third-party payment processors handle your personal information.
- Payment and transaction information needed to complete your transactions on AcreMaps, including name, payment card information, and billing information. This information is processed by our payment service provider, Stripe. We do not have access to payment card numbers. Please see the “Payment processors” section below for additional information regarding how our third-party payment processors handle your personal information.
- Feedback or correspondence, such as information you provide when you contact us with questions, feedback, product reviews, or otherwise correspond with us online.
- Usage information, such as information about how you use our services and interact with us, including information associated with any content you upload to our services or otherwise submit to us, and information you provide when you use any interactive features of our services.
- Marketing information, such as your preferences for receiving communications about our activities, events, and publications, and details about how you engage with our communications.
Information we obtain from third parties:
- Third-party login information. When you link, connect, or login to our services with a third-party service (e.g., Google, Facebook, or LinkedIn), you direct the service to send us information such as your registration, friends list, and profile information as controlled by that service or as authorized by you via your privacy settings on that service.
- Other Sources. We may obtain your personal information from other third parties, such as marketing partners, data providers, and publicly-available sources such as governmental records.
Automatic data collection
We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our services, our communications and other online services, such as:
- Device data, such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers (including identifiers used for advertising purposes), language settings, mobile device carrier, radio/network information (e.g., WiFi, LTE, 4G), and general location information such as city, state or geographic area.
- Online activity data, such as the pages or screens you viewed, how long you spent on a page or screen, browsing history, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access, and whether you have opened our marketing emails or clicked links within them.
We use the following tools for automatic data collection:
- Cookies, which are text files that websites store on a visitor‘s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, helping us understand user activity and patterns, and facilitating online advertising.
- Local storage technologies, like HTML5, that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.
- Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.
How we use your personal information
To operate our services:
- Provide, operate, maintain, secure and improve our services
- Fulfill payments and transactions
- Provide information about our services
- Communicate with you about our services, including by sending you announcements, updates, security alerts, and support and administrative messages
- Understand your needs and interests, and personalize your experience with our services and our communications
- Respond to your requests, questions and feedback
For marketing and advertising.
We and our advertising partners may collect and use your personal information for marketing and advertising purposes, including:
- Email. We or our advertising partners may from time-to-time send you direct marketing emails as permitted by law, including, but not limited to, notifying you of special promotions, offers and events via email. You may opt out of our marketing emails as described in the “Opt out of marketing communications” section below.
- Text messages. We may notify you via text message about upcoming investment opportunities and other alerts you request. If you would like more information about our do-not-call policy, or how to opt out, please review the “Opt out of marketing communications” section below. You may be liable for standard SMS and per-minute charges by your mobile carrier.
To comply with law
As we believe necessary or appropriate to comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities.
For compliance, fraud prevention, and safety
To: (a) protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims); (b) enforce the terms and conditions that govern our services; and (c) protect, investigate and deter against fraudulent, harmful, unauthorized, unethical or illegal activity.
For research and development
We may create and use de-identified information for our business purposes, including to analyze the effectiveness of our services, to improve and add features to our services, and to analyze the general behavior and characteristics of users of our services. We may use this anonymous, aggregated, or de-identified data and share it with third parties for our lawful business purposes.
Access or update your information
If you have registered for an account with us, you may review and update certain personal information in your account profile by logging into the account.
Opt out of marketing communications
You may opt out of marketing-related communications – both email and text – by following the opt-out or unsubscribe instructions within the marketing communication we send you. You may also contact us at firstname.lastname@example.org to unsubscribe or learn more about our do-not-call policy. Even if you opt out of marketing-related communications, you may continue to receive service-related and other non-marketing emails.
Online tracking opt-out
There are a number of ways to opt out of having your online activity and device data collected through our services, which we have summarized below:
- Blocking cookies in your browser. Most browsers let you remove or reject cookies, including cookies used for interest-based advertising. To do this, follow the instructions in your browser settings. Many browsers accept cookies by default until you change your settings. For more information about cookies, including how to see what cookies have been set on your device and how to manage and delete them, visit www.allaboutcookies.org.
- Blocking advertising ID use in your mobile settings. Your mobile device settings may provide functionality to limit use of the advertising ID associated with your mobile device for interest-based advertising purposes.
- Using privacy plug-ins or browsers. You can block our services from setting cookies by using a browser with privacy features, like Brave, or installing browser plugins like Privacy Badger, DuckDuckGo, Ghostery or uBlock Origin, and configuring them to block cookies/trackers.
- Platform opt-outs. The following advertising partners offer opt-out features that let you opt out of use of your information for interest-based advertising:
- Advertising industry opt-out tools. You can also use these opt-out options to limit use of your information for interest-based advertising by participating companies:
Note that because these opt-out mechanisms are specific to the device or browser on which they are exercised, you will need to opt out on every browser and device that you use.
Do Not Track
Some Internet browsers may be configured to send “Do Not Track” signals to the online services that you visit. We currently do not respond to “Do Not Track” or similar signals. To find out more about “Do Not Track,” please visit http://www.allaboutdnt.com
To facilitate financial transactions on our services, we use Dwolla, Plaid and Stripe. When you engage in a financial transaction, you direct us to share certain information with these payment processors, and you will provide other information—such as your credit card or bank account information—directly to them. We do not record or maintain this financial information. For more information on how transactions are handled, or to understand the data security and privacy practices of these payment processors, please refer to the privacy notices of Dwolla, Plaid and Stripe.
When you apply for one of our open positions, we collect the information that you provide in connection with your job application. This includes name, contact information, professional credentials and skills, educational and work history, and other information that may be included in a resume or provided during interviews (which may be recorded). This may also include demographic or diversity information that you voluntarily provide. We may also conduct background checks and receive related information.
We use applicants’ information to facilitate our recruitment activities and process employment applications, including evaluating candidates and monitoring recruitment statistics. We also use successful applicants’ information to administer the employment relationship. We may also use and disclose applicants’ information to improve our website and for the compliance and protection purposes described above.
Other sites, mobile applications and services
Our services may contain links to other websites, mobile applications, and other online services operated by third parties. These links are not an endorsement of, or representation that we are affiliated with, any third party. In addition, our content may be included on web pages or in mobile applications or online services that are not associated with us. We do not control third party websites, mobile applications or online services, and we are not responsible for their actions. Other websites and services follow different rules regarding the collection, use and sharing of your personal information. We encourage you to read the privacy policies of the other websites and mobile applications and online services you use.
We use organizational, technical and administrative measures designed to protect against unauthorized access, misuse, loss, disclosure, alteration and destruction of personal information we maintain. Unfortunately, data transmission over the Internet cannot be guaranteed as completely secure. Therefore, while we strive to protect your personal information, we cannot guarantee the security of personal information.
Our services are not intended for use by children under 13 years of age. If we learn that we have collected personal information through our services from a child under 13 without the consent of the child’s parent or guardian as required by law, we will delete it.
How to contact us
Please direct any questions or comments about this Policy or privacy practices to email@example.com. You may also write to us via postal mail at:
112 W. Center Street, Suite 600
Fayetteville, AR 72701
Additional information for users located in California
We are required by the California Consumer Privacy Act of 2018 (“CCPA”) to provide this CCPA notice (“CCPA Notice”) to California residents to explain how we collect, use, and share their personal information, and the rights and choices we offer California residents regarding our handling of their personal information.
CCPA scope and exclusions
This CCPA Notice and the CCPA privacy rights apply to California residents in the following circumstances:
- Individuals who visit our websites;
- Individuals who sign up for email alerts;
- Individuals who apply for job openings on our websites; or
- Representatives of businesses that seek to obtain our products or services, or to provide products or services to us.
This CCPA Notice does not apply to the personal information we collect, use, or disclose about consumers who initiate or complete the process of applying for financial products or services for personal, family, or household purposes. This is because that information is subject to the federal Gramm-Leach-Bliley Act and implementing regulations, or the California Financial Information Privacy Act (for additional information relating to your choices about this information specifically, see our GLBA Privacy Notice).
Your California privacy rights
The CCPA grants individuals the following rights:
- Access. You can request a copy of the Personal Information that we have collected about you during the past 12 months.
- Correction. You can ask us to correct personal information that is inaccurate or out of date.
- Deletion. You can ask us to delete the Personal Information that we have collected from you.
- Opt out of sharing personal information for targeted advertising. We share personal information with advertising partners that display targeted advertisements to users around the web. You can limit online tracking by clicking Online Tracking Opt Out on the footer of our website or contacting us as described below. We do not sell personal information.
You are entitled to exercise the rights described above free from discrimination.
Please note that the CCPA limits these rights by, for example, prohibiting us from providing certain sensitive information in response to an access request and limiting the circumstances in which we must comply with a deletion request. If we deny your request, we will communicate our decision to you.
How California residents can exercise their rights
You may exercise your California privacy rights described above by calling us at 888-958-1470 or emailing firstname.lastname@example.org. We will need to confirm your identity and California residency to process your requests to exercise your access, correction, or deletion rights. We cannot process your request if you do not provide us with sufficient detail to allow us to understand and respond to it.
California residents can empower an “authorized agent” to submit requests on their behalf. We will require the authorized agent to have a written authorization confirming that authority.
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- contact details;
- Social Security number and income;
- account balances and bank account information;
- transaction history; and
- credit card information.
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons AcreTrader chooses to share, and whether you can limit this sharing.
Reasons we can share your personal information
Does AcreTrader share?
Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
For our marketing purposes - to offer our products and services to you
For joint marketing with other financial companies
We don’t share
For our affiliates’ everyday business purposes - information about your transactions and experiences
For our affiliates’ everyday business purposes - information about your creditworthiness
We don’t share
For our affiliates to market to you
We don’t share
For nonaffiliates to market to you
We don’t share
To limit our sharing
Call (888) 958 1470 or email us at email@example.com
Please note: If you are a new customer, we can begin sharing your information immediately from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
Call (888) 958 1470 or email us at firstname.lastname@example.org
Who we are
Who is providing this notice?
What we do
How does AcreTrader protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does AcreTrader collect my personal information?
We collect your personal information, for example, when you:
- sign up for a AcreTrader account,
- provide account information,
- give us your contact information,
- apply for and use the financial products we offer
We also collect your personal information from others, such as banks, credit agencies and other third-party data aggregators.
Why can’t I limit all sharing?
Federal law gives you the right to limit only:
- sharing for affiliates’ everyday business purposes - information about your credit worthiness,
- affiliates from using your information to market to you, and
- sharing for nonaffiliates to market to you.
State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- AcreTrader Financial, LLC
- AcreMaps, LLC DBA Acres
- Acretrader Management, LLC
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Other important information
Nevada: If you are consumer with a Nevada mailing address, and you prefer not to receive marketing calls from us, you may be placed on our internal Do Not Call List by contacting us at (888) 958 1470 or email@example.com . You may also contact the Nevada Attorney General's office: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; telephone number: 1-702-486-3132; email BCPINFO@ag.state.nv.us or AgInfo@ag.nv.gov
Vermont: If you are consumer with a Vermont mailing address, we will not share information we collect about you with companies outside of AcreTrader, unless the law allows. For example, we may share information with your consent, to service your accounts or under joint marketing agreements with other financial institutions with which we have joint marketing agreements. We will not share information about your creditworthiness within our corporate family except with your consent, but we may share information about our transactions or experiences with you within our corporate family without your consent.
California: If you are a consumer with a California mailing address, we will not share information we collect about you with companies outside of AcreTrader, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits to which you are entitled.