Terms of Use

Farmers Union Mutual Insurance Company, Leslie Jordan Agency (the Company) provides the content and services available on our Website subject to the following Terms & Conditions.

By accessing or using our Site, you (i) acknowledge that you are at least 18 years old, an emancipated minor, or if you are under 18 have legal parental or legal guardian consent to access and use our Sites and that you have the right, authority, and capacity to agree to and abide by these Terms & Conditions; (ii) acknowledge that you have read and understand the Terms & Conditions and expressly agree to be bound by the Terms & Conditions, including without limitation, any terms incorporated herein by reference. If you do not consent to the terms of these Terms & Conditions, you must immediately cease using the Sites.

The Company may, at any time, revise or modify these Terms & Conditions or impose new conditions for use of the Sites. If we modify the Terms & Conditions, in whole or in part, we will indicate such changes have been made by changing the Last Updated date at the beginning of the Terms & Conditions. Such changes, revisions, or modifications shall be effective as of the Last Updated date. The new Terms & Conditions will apply to all current and past users of our Sites and will replace any prior agreements that are inconsistent. Any use of our Sites after the Last Updated date shall constitute your acceptance of such changes, revisions, or modifications. We encourage you to review the Terms & Conditions periodically.


Privacy Policy

The Companies Privacy Policy is hereby expressly incorporated into these Terms & Conditions. Please be advised that data obtained from you in connection with your use of the Site, and any information you provide to us in connection with or through the Site, will be treated in accordance with our Privacy Policy. By using our Site, you consent to the collection, storage, and processing of such information in accordance with our Privacy Policy.


Intellectual Property

All information and content available on the Site and the look and feel, including but not limited to trademarks, logos, service marks, features, functions, text, graphics, logos, button icons, images, audio clips, videos, data compilations and software, and the compilation and organization thereof (collectively, the Content) is the property of the Company or the property of our subsidiaries, affiliates, divisions, joint ventures, and service providers and is protected by United States and international laws, including laws governing copyrights and trademarks.

Except as set forth below, or as required under applicable law, neither the Content nor any portion of the Sites may be used, reproduced, duplicated, copied, sold, resold, accessed, modified, or otherwise exploited, in whole or in part, for any purpose without our express, prior written consent.

 

Limited Licenses; Use Restrictions

We grant you a limited, revocable, non-transferable, and non-exclusive license to access and make personal use of the Site. You understand and agree that you will not do or attempt to do or cause any third party to do or attempt to do any of the following in connection with your use of the Sites:

  • Frame or utilize framing techniques to enclose the Site or any portion thereof;
  • Use any meta tags, hidden text, robots, spiders, crawlers, or other tools, whether manual or automated, to collect, scrape, index, mine, republish, redistribute, transmit, sell, license or download the Site, Content (except caching or as necessary to view the Site), or the personal information of others without our prior written permission or authorization;
  • Make any use of the Site or any Content other than for personal use;
  • Make any change or alteration to the Site or any Content or services that may appear on the Site;
  • Impair in any way the integrity or operation of the Site;
  • Modify, reverse engineer or create any derivative works based upon the Site or any Content;
  • Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with any person or entity;
  • Stalk or otherwise harass including advocating harassment of another, entrap or harm any third party including harming minors in anyway;
  • Intentionally violate any applicable local, state, national or international law;
  • Transmit, upload, post, e-mail, share, distribute, reproduce, or otherwise make available any software viruses, malware, program, code, file, or other material intended to interrupt, disrupt, alter, destroy, or limit any part of the Site; and/or
  • Engage or make any unsolicited or unauthorized advertising, solicitation or promotional material, including chain letters, mass mailings, or any form of spam.

We also grant you a limited, revocable, non-transferable, and non-exclusive license to create a hyperlink to the home page of any of the Site for personal, non-commercial use only. A website that links to the Site (i) may link to, but not replicate, any and/or all of our Content; (ii) may not imply that we are endorsing such website or its services or products; (iii) may not misrepresent its relationship with us; (iv) may not contain content that could be construed as distasteful, obscene, offensive, controversial, or illegal or inappropriate for any ages (as determined in our sole discretion); (v) may not portray us or our products or services in a false, misleading, derogatory, or otherwise offensive or objectionable manner, or associate us with undesirable products, services, or opinions; and/or (vi) may not link to any page of the Site other than the home pages. We may, in our sole discretion, request that you remove any link to the Site, and upon receipt of such request, you shall immediately remove such link and cease any linking unless separately and expressly authorized in writing by us to resume linking.

Any unauthorized use by you of the Site or any and/or all of our Content automatically terminates the limited licenses set forth in this section without prejudice to any other remedy provided by applicable law or these Terms & Conditions.

 


Indemnification

You agree to indemnify, defend, and hold the Companies harmless from and against any and all claims, liabilities, losses, damages, judgments, awards, costs, and expenses (including reasonable attorneys fees) arising out of or resulting from your use of the Site, your breach of any provision of these Terms & Conditions, your negligence or willful misconduct, or for claims that information submitted to the Company infringes on the intellectual property or propriety rights of a third party.


Disclaimer of Warranties

THE SITES AND THE MATERIALS CONTAINED THEREIN ARE PROVIDED IN ACCORDANCE WITH THE NOTICES, TERMS, AND CONDITIONS SET FORTH HEREIN. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SITE AND ITS CONTENT ARE NOT GUARANTEED OR REPRESENTED TO BE COMPLETE, CORRECT, OR UP TO DATE AND WE ASSUME NO OBLIGATION TO UPDATE THE INFORMATION OR CONTENT ON THE SITES. THE SITES AND THEIR CONTENT MAY BE CHANGED FROM TIME TO TIME.

THE SITE IS PROVIDED TO YOU ON AN AS IS AND AS AVAILABLE BASIS, WITHOUT WARRANTIES OF ANY KIND, AND THE COMPANY HEREBY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. THE COMPANIES DO NOT MAKE ANY REPRESENTATION OR WARRANTY WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, SUITABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE SITE OR MATERIALS PROVIDED THROUGH THE SITES. NO INFORMATION, ADVICE, OR GUIDANCE, WHETHER ORAL OR WRITTEN, RECEIVED BY YOU FROM THE SITE SHALL CREATE ANY WARRANTY. WITHOUT LIMITING THE FOREGOING, THE COMPANY WILL NOT BE LIABLE FOR ANY TRANSMISSION DELAYS AS DELIVERY IS SUBJECT TO THE EFFECTIVE TRANSMISSION FROM THIRD-PARTY INTERNET PROVIDERS. THE ABOVE EXCLUSIONS MAY NOT APPLY IN JURISDICTIONS THAT DO NOT ALLOW THE EXCLUSION OF CERTAIN IMPLIED WARRANTIES.


Limitation of Liability

IN NO EVENT WILL THE COMPANY BE LIABLE TO YOU OR ANY THIRD PARTY, INCLUDING WITHOUT LIMITATION ANY PERSON OR ENTITY WHO MAY SUBMIT INFORMATION TO, USE OR RELY ON THE SITE OR TO WHOM ANY INFORMATION FROM THE SITE MAY BE FURNISHED, FOR ANY (1) LOSS OF PROFITS OR REVENUES, (2) COST OF REPLACEMENT PRODUCTS (3) DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES OF ANY KIND ARISING OUT OF OR IN CONNECTION WITH ANY PERSONS USE, DELAY OR INABILITY TO USE, OR RELIANCE UPON THE SITE OR ANY SITE CONTENT, WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, STRICT LIABILITY, OR OTHERWISE, EVEN IF FORESEEABLE. USE OF THE SITES IS AT YOUR SOLE RISK. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN CATEGORIES OF DAMAGES, THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH STATES, THE LIABILITY OF THE COMPANY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY SUCH STATE LAW.

THIS DISCLAIMER OF LIABILITY APPLIES, WITHOUT LIMITATION, TO DAMAGES THAT RESULT FROM EVENTS BEYOND OUR REASONABLE CONTROL, SUCH AS DAMAGES CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT OR TORTIOUS BEHAVIOR. YOU SPECIFICALLY ACKNOWLEDGE THAT, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANIES ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS ORTHIRD-PARTIESAND THAT THE RISK OF INJURY FROM THE FOREGOING RESTS ENTIRELY WITH YOU.

Arbitration Notice

EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE ARBITRATION/CLASS-ACTION WAIVER/DISPUTE RESOLUTION PROVISION BELOW, YOU AND THE COMPANY AGREE THAT DISPUTES BETWEEN YOU AND THE COMPANY WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION. THAT MEANS THAT AN ARBITRATOR, NOT A JUDGE OR JURY, WILL DECIDE ANY DISPUTE AND THAT YOU WAIVE YOUR RIGHT TO BRING AN ACTION IN COURT BEFORE A JUDGE OR JURY. YOU ALSO WAIVE YOUR RIGHT TO BRING OR RESOLVE ANY DISPUTE AS, OR PARTICIPATE IN, A CLASS, CONSOLIDATED, REPRESENTATIVE, COLLECTIVE, OR PRIVATE ATTORNEY-GENERAL ACTION OR ARBITRATION.

 

 

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 the Company immediately. We are committed to keeping the identity of the reporting party confidential to the extent possible. If the Company 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.


Third-Party Websites

The Company Site may contain links to other websites that are not under our control. Those websites may have their own policies regarding terms & conditions and privacy. We have no control of or responsibility for linked websites and provide these links solely for the convenience and information of our visitors. Those websites are not subject to these Terms & Conditions or our Privacy Policy. You access any linked websites at your own risk. You should check the terms & conditions and privacy policies, if any, of those individual websites to see how those websites will utilize your personal information. In addition, the Company Site may contain a link to the websites of our subsidiaries, affiliates, divisions, joint ventures, and service providers. The websites of our subsidiaries, affiliates, divisions, joint ventures, and service providers are not subject to these Terms & Conditions or our Privacy Policy, and you should check their individual terms & conditions and privacy policies to see how those websites will utilize your personal information.

The Companies adhere to the YouTube Terms of Service.

 

Your Obligations and Responsibilities

By accessing or using the Site or any Content, you agree that you will comply with these Terms & Conditions and any warnings or instructions on the Site. You agree that when accessing or using the Site or any Content, you will act in accordance with the law, custom and in good faith. Without limiting the generality of any other provision of the Terms & Conditions, if you default negligently or willfully in any of the obligations set forth in the Terms & Conditions, you shall be liable for all the losses and damages that this may cause to us, our subsidiaries, affiliates, divisions, joint ventures, and service providers.


General

This Site is only designed to provide general information about the Company and their subsidiaries, affiliates, divisions, joint ventures, and service providers 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.

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

Nothing contained in these Terms & Conditions shall be construed as creating any agency, partnership, or other form of joint enterprise between us. Our failure to require your performance of any provision of the Terms & Conditions shall not affect our full right to require such performance at any time thereafter, nor shall our waiver of a breach of any provision of the Terms & Conditions be taken or held to be a waiver of the provision itself.

The headings in these Terms & Conditions are for convenience only and shall not be used in its interpretation.

 

Severability

If any provision of these Terms & Conditions are invalid or unenforceable under applicable law, or so held by any applicable arbitral award or court decision, such unenforceability or invalidity shall not render the Terms & Conditions unenforceable or invalid as a whole but the Terms & Conditions shall be modified, to the extent possible, by the adjudicating entity to most fully reflect the original intent of the parties as reflected in the original provision.


Entire Agreement

These Terms & Conditions, together with our Privacy Policy, which is incorporated herein by reference, constitute the sole and entire agreement between you and the Company concerning your use of the Site, and supersedes and governs all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, with respect to the Site.