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Terms of Use

Welcome! This website (this “Site”) is comprised of various Web pages owned and operated by Farmers Union Mutual Insurance Company and Farmers Union Service Association (“Farmers Union Insurance” or “We”) and its vendors for your personal information and use. Your submission of information to and access and use of this Site is subject to the terms and conditions below (the “Terms of Use”). By submitting information to and/or browsing this Site, you accept and agree to abide by the Terms of Use. If you do not agree to be bound by the Terms of Use, you must not use this Site.

We reserve the right to terminate your access to the Site, refuse service, terminate accounts, or remove or edit content for any reason.

Disclaimer of Warranties and Limitation of Liability

Information on this Site is provided “AS IS” AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. NO INFORMATION, ADVICE, OR GUIDANCE, WHETHER ORAL OR WRITTEN, RECEIVED BY YOU FROM THIS SITE SHALL CREATE ANY WARRANTY. Farmers Union Insurance and its affiliates will not under any circumstances be liable to any person or entity, including without limitation any person or entity who may submit information to, use or rely on this Site or to whom any information on this Site may be furnished, for any special, incidental, indirect or consequential damages, including without limitation damages resulting from use of or reliance on the information presented on this Site, loss of profits or revenues or costs of replacement products, even if informed in advance or otherwise aware of the possibility of such damages.

Accuracy of Information on this Site

While we try to provide accurate information on this Site, Farmers Union Insurance assumes no responsibility for the accuracy, completeness, or usefulness of any information found on this Site. We may make improvements and/or changes in the products, programs and/or services described in this Site at any time without notice. We assume no obligation to update the information presented on this Site.

Your Use of Information on this Site

Your use of any information on this Site is at your own risk. It is the responsibility of each user of any portion of the Site to ascertain the accuracy of any information before entering into any commitment (financial or otherwise) or undertaking any course of action based upon the information contained in this Site.

Nothing contained in this Site shall constitute a solicitation, offer or acceptance of a contract of insurance or be construed as creating or modifying any agreement with Farmers Union Insurance.

Farmers Union Does Not Provide Professional Advice

This Site is only designed to provide general information about Farmers Union Insurance and its affiliates and their products and services. We do not provide legal, accounting, medical or other professional services or advice. Consult the services of a competent professional when you need this type of assistance.

Your Feedback

Farmers Union Insurance appreciates your feedback. By sending us your feedback or ideas, you agree that we may use it in any way, including in changes to our products or services, advertising, or marketing materials. You grant Farmers Union Insurance a perpetual, worldwide, fully transferable, sublicensable, non-revocable, royalty-free license to use the feedback you provide to us in any way.

Your Responsibility for Managing Login Information and Use of Your Account

Certain service areas of this Site require you to register and use a username and password (“login information”) for access. Unauthorized use of or access of these areas is strictly prohibited.

By accessing areas of the Site that requires login information, you agree that:

  • Farmers Union Insurance is entitled to act on instructions received under your login information.
  • You are responsible for all activities that occur under your login information. Farmers Union Insurance is not liable for any unauthorized access to your personal information that is not the direct result of gross negligence or intentional misconduct on our part.
  • You will keep your login information confidential.
  • You will notify Farmers Union Insurance as soon as possible if you have lost your login information or if someone else has obtained your login information or if you believe any unauthorized access to the service areas has occurred or may occur.
  • We may block access to the service areas without prior notice if we believe your login information is being used by someone other than you, if any unauthorized access to your account has occurred or may occur, or for other reasons.
  • The login services may periodically be updated with tools, utilities, improvements, third party applications, or general updates to improve and enhance the features and performance of the Services. You agree to receive these updates automatically.

Insurance Fraud

Fraud is an act committed knowingly and with intent to defraud by, for example, presenting false information related to an application for insurance, an insurance claim, or payments for insurance. If you suspect fraud, contact Farmers Union Insurance immediately. We are committed to keeping the identity of the reporting party confidential to the extent possible. If Farmers Union Insurance suspects any fraud has been conducted in your use of this Site, your access to the Site will be terminated immediately and we will report any suspected fraud to the authorities.

Confidentiality and Privacy

Farmers Union Insurance has a Privacy Policy explaining what information we collect about you, how we use the information, and the steps we take to secure such information. Click here to view the Privacy Policy, which is incorporated here by reference.

Any communication or material you transmit via the Site using your login or by using the secure e-mail button [hyperlink] will be treated as confidential and with respect, and will be subject to the terms of the Privacy Policy. Not all e-mail systems are secure – information transmitted outside the secure e-mail button is not guaranteed to be confidential.

Third-party Websites

Farmers Union Insurance does not control, endorse, promote, or have any affiliation with any other web site unless expressly stated in the site. This Site may contain links to other Internet web sites (“third-party websites”) for your convenience in locating information and services that may be of interest. These third-party websites are owned, controlled and maintained by other persons or organizations, not Farmers Union Insurance. We expressly disclaim any responsibility for the content, the accuracy of the information and/or quality of products or services on these third-party sites.

Indemnification

Each user of this Site agrees to indemnify, defend and hold Farmers Union Insurance harmless from and against any and all third party claims, liabilities, costs, or expenses, including reasonable attorneys’ fees, arising out of or resulting from (a) such user’s breach of any provision of these Terms of Use, (b) such user’s negligence or willful misconduct, or (c) a claim that information submitted to this Site infringes the intellectual property or proprietary rights of a third party.

Proprietary Information

Except as indicated, Farmers Union Insurance owns all trademarks, service marks or other logos and all copyrights featured on the Site. Use or misuse of these trademarks, service mark or logos or copyrighted information is expressly prohibited and may violate federal and state law.

Jurisdiction

Farmers Union Insurance controls and operates this Site from North Dakota. Farmers Union Insurance makes no representation that the materials on this Site are appropriate or available for use in other locations. By accessing, transmitting or viewing any information on this Site, you agree to be subject to personal jurisdiction in the state of North Dakota. Any claim or dispute arising out of accessing, transmitting or viewing any information on this Site shall be venued in Cass County, North Dakota, and governed by the laws of the state of North Dakota. If any provision of these Terms of Service shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Terms of Use and shall not affect the validity and enforceability of any remaining provisions.

Changes to this Agreement or Services

We may change these Terms of Use from time to time, and the changes will be effective when posted on our Site or when we notify you by other means. Please review the Terms of Use periodically on this Site. We may also change or discontinue the services, in whole or in part, including but not limited to, the Internet-based services, pricing, technical support options, and other product-related services.


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