1. Acceptance of Terms
By accessing or using this website ("Site"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree with any part of these Terms, please do not use this Site. These Terms apply to all visitors, users, and others who access or use the Site.
2. Use of the Site
This Site is provided for informational purposes only. You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use and enjoyment of the Site. Prohibited uses include, but are not limited to:
Transmitting any unsolicited or unauthorized advertising or promotional material
Attempting to gain unauthorized access to any part of the Site or its related systems
Using the Site in any way that could damage, disable, overburden, or impair it
Harvesting or collecting personal information about other users without their consent
3. Informational Purposes Only
The content on this Site is provided for general informational purposes only and does not constitute insurance, legal, financial, or professional advice. Information about coverage, products, and availability is subject to change. Contact our office directly for specific guidance regarding your insurance needs.
All insurance products and services described on this Site are subject to the terms, conditions, and exclusions of the applicable policy. Coverage may vary by state and individual circumstances.
4. No Insurance Contract
Nothing on this Site constitutes an offer to provide insurance or an insurance contract. Coverage is only provided upon the issuance of a formal policy by Farmers Insurance Exchange or an affiliated underwriting company following a complete application and underwriting review.
5. Intellectual Property
All content on this Site, including but not limited to text, graphics, logos, images, and software, is the property of Rachel Crawford – Farmers Insurance District or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from Site content without our express written permission.
The Farmers Insurance name, logo, and related marks are trademarks of Farmers Group, Inc. and are used under license.
6. Third-Party Links
This Site may contain links to third-party websites for your convenience. We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party sites. Access to linked sites is at your own risk.
7. Disclaimer of Warranties
This Site is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the Site will be error-free, uninterrupted, secure, or free of viruses or other harmful components. We make no warranties regarding the accuracy, completeness, or timeliness of any information on the Site.
8. Limitation of Liability
To the fullest extent permitted by law, Rachel Crawford – Farmers Insurance District, its agents, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use this Site, even if we have been advised of the possibility of such damages.
Our total liability for any claim arising from or relating to these Terms or your use of the Site shall not exceed one hundred dollars ($100.00).
9. Indemnification
You agree to indemnify, defend, and hold harmless Rachel Crawford – Farmers Insurance District and its agents, employees, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses arising from your use of the Site, your violation of these Terms, or your violation of any rights of a third party.
10. Privacy
Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using this Site, you consent to the collection and use of information as described in the Privacy Policy.
11. Modifications to Terms
We reserve the right to modify these Terms at any time. Changes are effective immediately upon posting to the Site. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
12. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. Any disputes arising from these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the state and federal courts located in Alameda County, California.
13. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.
14. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Rachel Crawford – Farmers Insurance District with respect to your use of this Site and supersede all prior or contemporaneous communications and proposals.
If you have questions about these Terms and Conditions, please contact us.