Terms and Conditions

These terms of use (Terms”) describe the terms and conditions applicable to your access and use of this web site (this “Web Site”), which is operated by and on behalf of the companies comprising the Farmers Insurance .

By using this Web Site, you are accepting and agreeing to these Terms. If you do not agree to all of these Terms, do not use this Web Site. Farmers may modify this Web Site and the rules and regulations governing its access and use, at any time. Any modification will be included in these Terms, so please check back when you use the Web Site. By continuing use of this Web Site after such changes are posted, you will be deemed to have accepted such changes.

Scope of Use

Farmers invites you to view, use and download materials at this Web Site for your informational, non-commercial use, provided that you leave all the copyright notices or other proprietary notices intact. You may not store, modify, reproduce, transmit, distribute, re-post, publicly display or otherwise use any content on this Web Site, or the design or layout of this Web Site or individual sections of it, in any form or media except with the express prior written permission of Farmers. The commercial use, reproduction, reposing, public display, transmission or distribution of any information, software, logo or other material available through this Web Site without the prior written consent of Farmers is strictly prohibited.

You understand that Farmers may, at any time, for any reason and without notice, discontinue, change or restrict your use of this Web Site and make changes in the products and/or services described in this Web Site.

Eligibility for Insurance Products and Services

Not all of the products or services described on this Web Site are available in all geographic areas of the United States. You may not be eligible for all of the insurance products or services described in this Web Site. Farmers reserves the right to determine all eligibility for such products or services in its sole discretion.

No Professional Advice

The information available on this Web Site is intended to be a general information resource regarding the matters covered, but is not offered as legal, accounting or other professional advice, and is not tailored to your specific circumstance. You should evaluate all information, opinions and advice available on this Web Site in consultation with your insurance agent.

Copyright

This Web Site is protected by U.S. and foreign copyright laws. Except as expressly provided under “Scope of Use” section above, you may not use, reproduce, modify, transmit, distribute, publicly display or perform this Web Site without Farmers’ prior written permission.

Visitor Submissions

By providing information or materials to this Web Site (other than personal information subject to Farmers Privacy Policy), you grant to Farmers an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, and transmit such information and materials for any purpose, including without limitation, disclosing any such information and materials as necessary to satisfy any law, regulation, or governmental request. You are prohibited from submitting or transmitting any emails or materials through this Web Site that (A) are racist, supportive of terrorist activities, defamatory, libelous, unlawfully threatening or unlawfully harassing; (B) contain nudity, violence, or offensive subject matter or contains a link to an adult website; (C) solicit personal information from anyone under eighteen (18) years of age; (D) harass or advocate harassment of another person; (E) infringe any third party’s copyright, trademark, service mark, trade secret, or other proprietary rights or rights of publicity or privacy; (F) include a photograph of another person that you have posted without that person’s consent; (G) promote information, material, or content that you know is false or misleading or promotes illegal activities or conduct that is abusive, threatening, obscene, defamatory, libelous, obscene, scandalous, inflammatory, pornographic, or profane material, or any other content that could give rise to any civil or criminal liability under the law; (H) involve the transmission of “junk mail,” “chain letters,” or unsolicited mass mailing, instant messaging, or “spamming”; or (I) violate any law or regulation (including without limitation those governing consumer protection, unfair competition, anti-discrimination or false advertising). Farmers shall not be subject to any obligations of confidentiality regarding any information or materials that you submit except as specified in Farmers Privacy Policy, as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.

Prohibited Actions

You cannot: (a) recompile, reverse engineer, disassemble, or modify this Web or create derivative works based upon this Web Site or any part thereof; (b) disable any licensing or control features of this Web Site; (c) introduce into this Web Site any virus or other code or routine intended to disrupt or damage this Web Site, or alter, damage or delete any Materials, or retrieve or record information about this Web Site or its users; (d) merge this Web Site or Materials with another program or create derivative works based on this Web Site or Materials; (e) remove, obscure, or alter any notice of the copyright or other proprietary legends on this Web Site or Materials; (f) sub license, assign, translate, rent, lease, lend, resell for profit, distribute or otherwise assign or transfer the Materials or access to this Web Site to others; (g) use, or allow the use of, this Web Site or the Materials in contravention of any federal, state, local, foreign or other applicable law, or rules or regulations of regulatory or administrative organizations; or (h) otherwise act in a fraudulent, illegal, malicious or negligent manner when using this Web Site. Except as expressly provided herein, Farmers reserves all rights with respect to this Web Site, and may pursue all legally available options under both civil and criminal laws (and may cooperate with law enforcement agencies) in the event of any violations.

Third-Party Services

Certain commercial services, products and discounts may be offered by third parties through this Web Site. Farmers is not and will not be responsible for (i) the terms and conditions of any transaction between you and any such third party, (ii) any insufficiency of or problems with any such third party’s background, insurance, credit or licensing, (iii) the quality of such products or the services performed by any such third party or (iv) any other legal liability arising out of or related to the performance of such services or the purchase of such products. Because we are not involved in the actual transaction between you and any such third party, in the event you have a dispute with any such third party, you release Farmers and its affiliates, agents, and employees from any and all claims arising out of or in any way connected with such disputes. If you are a California resident, you waive the California Civil Code 1542, which says: “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.”

Links

Farmers offers links to other web sites operated by other entities as a convenience to you. Farmers makes no representation regarding the content or accuracy of any web site that you may access through this one. Farmers does not monitor and is not responsible for the content found on other web sites that are linked from this Web Site. Inclusion of these links on this Web Site does not imply endorsement, recommendation or sponsorship for any linked web site or the services, products or advice described on the site. The views, opinions, statements, offers or other information or content expressed therein are those of the respective author(s) or distributor(s) and not Farmers. Farmers reserves the right to terminate a link to a third party web site at any time. The third party sites are not controlled by Farmers, and may have different terms of use and privacy policies, which Farmers encourages you to review.

If you wish to link to this Web Site, unless otherwise set forth in a written agreement between you and a Farmers company, you must adhere to Farmers’ linking policy as follows: (i) any link to this Web Site must be a text only link, (ii) the appearance, position and other aspects of the link may not be such as to damage or dilute the goodwill associated with Farmers’ names and trademarks, (iii) the link must “point” to the URL and not to other pages within this Web Site, (iv) the appearance, position and other attributes of the link may not create the false appearance that your organization or entity is sponsored by, affiliated with, or associated with Farmers, (v) when selected by a user, the link must display this Web Site on full-screen and not within a “frame” on the linking web site, and (vi) Farmers reserves the right to revoke its consent to the link at any time and in its sole discretion.

Employment Opportunities

Farmers is committed to the principles of equal employment opportunity. Applications are considered for all positions without regard to race, sex, sexual orientation, color, religion, national origin, age, disability (so long as such disability can be reasonably accommodated) or any other status protected by applicable law. Farmers encourages all qualified applicants to apply.

Violations and Additional Policies

Farmers reserves the right to seek all remedies available at law and in equity for violations of the Terms for use of this Web Site, including the right to block access from a particular Internet address to this Web Site.

In the process of using this Web Site the Privacy Policy as set forth in the website https://telecomoffer.com shall be applicable.

Governing Law, Location and Miscellaneous

These Terms shall be governed in all respects by the laws of the State of California USA, without reference to its choice of law rules. The Web Site is operated on behalf of the Farmers companies from their offices in Los Angeles, California. Farmers makes no representation that the content of this Web Site is appropriate or available for use in other locations, and access to this Web Site from territories where the content of this Web Site may be illegal is prohibited. Those who choose to access this Web Site from other locations do so on their own initiative and are responsible for compliance with applicable local laws. These Terms and all documents incorporated herein by reference constitute the entire agreement between Farmers and you with respect to this Web Site. Should any provision of these Terms be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be sever able from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforce ability of the remaining provisions.

Use of This Web Site by Children

Farmers does not intend to market any products or services to children and does not knowingly collect personal information or make any active effort to collect personal information from children and does not wish to receive such information. Farmers requires that Web Site users must be of legal age to enter into agreements (typically, at least eighteen (18) years of age or older).

Indemnification

You agree to defend and indemnify Farmers from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys fees) caused by or arising from your use of this Web Site or the Materials in a manner not expressly authorized by these Terms of Use or that violates these Terms of Use, any law, or the rights of a third party.

Disclosures

Comments that reflect an individual’s experience with a Farmers Registered Agent or his/her services should not be relied upon, as such comments may not reflect the experience of all customers.

Any posts that contain inappropriate, abusive, redundant or irrelevant comments may be removed at our discretion.

Farmers Insurance Group of companies does not endorse, nor is responsible for, any content provided in posts or links outside of this website. Links to third-party media, articles and/or websites are for general information purposes only and do not constitute an offer or solicitation of any kind. They are not intended, and should not be relied upon, as investment, insurance or financial advice.

Information Storage Authorization

You authorize Farmers to store any information you provide, including, but not limited to, names, addresses, birth dates, driver’s license numbers, social security numbers, vehicle identification numbers (VINs), Bank Account or Payment Card information.

You certify that you are the owner or authorized signer for any Bank Account or Payment Card you provide, and you authorize the financial institution where any such Bank Account or Payment Card is held to honor any withdrawals or charges you authorize.

Farmers reserves the right, at its sole discretion, to change or discontinue, temporarily or permanently, the online services at any time without notice. You agree that Farmers will not be liable to you or any third party for any modification or discontinuance of the online services.

You may cancel your enrollment in the online services at any time by sending a request via our “Contact Us” form on Farmers.com or choosing the personal preference to deactivate. When a specific customer (User ID) is deactivated, Farmers will remove associated payment methods, associated automatic payments, and any associated scheduled payments for the User ID that is deactivated; this includes resetting to paper billing. The payment methods will not be visible; however, they will remain available to Farmers to process refunds. Disclosures regarding storage of payment information for future refunds are included in any Payment Authorization available through the online billing service.

To ensure that Farmers is able to provide high quality services that are responsive to your needs, you agree that Farmers employees may have access to your online account and records as reasonably needed to investigate complaints and to conduct the business of Farmers in providing services for you.

You understand and agree there are certain emails that may be sent whether you enroll in the paperless process or not.

Go Paperless

Farmers is pleased to offer electronic delivery of notices and documents applicable to your selected automobile, property, personal umbrella, life, and annuity policies. Only those policies and accounts that you have selected will be enrolled for this service.

By electing to enroll in electronic delivery (Go Paperless) you agree to be bound by these Terms of Use in addition to the Terms of Use for https://telecomoffer.com/. If you do not agree with any of these Terms of Use, you may not enroll in Go Paperless.

By enrolling in Go Paperless and consenting to electronic delivery, you accept and agree to the following:

To receive all available notices and documents applicable to your selected automobile, property, personal umbrella, life and annuity policies, including but not limited to prospectuses, supplements to prospectuses, annual and semi-annual reports, annual statements, privacy statements, quarterly reports, proxy statements, special announcements, declaration pages, endorsements and policy contracts (collectively “documents”) via electronic delivery. There may be some documents that we cannot deliver electronically due to legal and/or technological constraints. These documents will be delivered to you via the United States Postal Service (USPS) to your postal address.

If you wish to print documents, you must also have access to a printer.
As documents become available, we will send you a notification by email which will contain the security-enabled Internet address (URL) where the documents can be viewed, downloaded and printed. It is your responsibility to log in to view your documents. We will only deliver documents to the policy owner.

That you will maintain a valid, current email address and immediately notify us of any change in your email address. Ensure that your email is active and capable of receiving new emails. To do this, ensure that your email account has sufficient space for new emails and that your email server and spam-blocking software do not block our emails. We are not responsible for problems arising from emails sent to an inactive or out-of-date email address, unless we are solely negligent for using an incorrect address. If an email is returned to us as deliverable, we will notify you to update your email address through https://telecomoffer.com. We will also resend the email. If it is returned once again as deliverable we will presume that you have withdrawn your consent, you will be unrolled in Go Paperless, and all available policy related documents will be sent to you via the United States Postal Service (USPS) to your postal address. Note that you will always have the ability to access http://telecomoffer.com/ and view your documents on demand.

You may update your information, such as changing your email address, at any time by logging into farmers.com.

We may continue to send paper copies of certain documents, such as annual statements, if required by federal or state law. Electronic delivery is not currently available for all documents. When documents become available for electronic delivery, we will initiate the electronic delivery process without any further action required by you.

Although there is no charge associated with enrolling in Go Paperless, you may incur costs associated with electronic access to the documents, such as usage charges from Internet access providers and or telephone service providers. Farmers is not responsible for any damages to your computer hardware or software; injury to you as a result of power failures or power spikes, or telephone or internet interruptions or other expenses in relation to your use of electronic delivery.

With regard to your selected automobile insurance policy, property insurance policy, or personal umbrella policy, you may request a paper copy of any document at no charge by contacting your Farmers Agent.

Your consent to enrollment in Go Paperless will remain in effect for each selected policy until termination or cancellation of the policy, or until you revoke your consent.

If you elect to revoke your consent and no longer choose to receive documents electronically, the Go Paperless discount on your policy (if any) will be removed.

If, after electing to withdraw your consent to receiving documents electronically, you decide you want to once again enroll in Go Paperless, you may do so by going to https://telecomoffer.com/. and completing the enrollment process.

Should we make any changes to hardware or software requirements for Electronic Delivery such that you will no longer be capable of accessing or retaining your documents electronically, we will inform you of the revised hardware and software requirements. You will be requested to review the revised Terms of Use and your continued enrollment will serve as your consent to continue participating in the Electronic Delivery option according to the new requirements.

We reserve the right to modify these Go Paperless Terms of Use at any time. Your continued participation in Go Paperless will constitute your acceptance of any revisions to these Terms of Use. Please check these Terms of Use on https://telecomoffer.com/ regularly.

We are not required to deliver information electronically and may discontinue electronic delivery in whole or in part at any time.

Farmers’ Paperless billing refers to our services on farmers.com where you may electronically view bills and billing-related notices and documents. You agree to be bound by these Paperless billing Terms of Use, in addition to the other Terms of Use for https://telecomoffer.com/. If you do not agree with any of these Terms of Use, you may not enroll in Paperless billing.

You will maintain a valid, current email address and immediately notify us any of change in your email address. Ensure that your email is active and capable of receiving new emails. To do this, ensure that your email account has sufficient space for new emails and that your email server and spam-blocking software do not block our emails. We are not responsible for problems arising from emails sent to an inactive or out-of-date email address, unless we are solely negligent for using an incorrect address. Note that you will always have the ability to access https://telecomoffer.com and view your billing documents on demand.

You may update your information, such as changing your email address, at any time by logging into farmers.com.

You may request a paper copy of a bill or billing-related document at no charge by contacting your Farmers Agent.

You may incur costs associated with electronic access to the billing documents, such as usage charges from Internet access providers and or telephone service providers. Farmers is not responsible for any damages to your computer hardware or software; injury to you as a result of power failures or power spikes, or telephone or internet interruptions or other expenses in relation to your use of electronic delivery.

There is no charge associated with enrolling in Paperless billing. However, if you elect to revoke your consent for Paperless billing, any associated service fee discount on your account (if any) will be removed.

Your consent to enrollment in Paperless billing will remain in effect for each selected billing account until termination or cancellation of the billing account, or until you revoke your consent.

If, after electing to withdraw your consent to electronic delivery, you decide you want to once again enroll in Paperless billing, you may do so by going to https://telecomoffer.com/ and completing the enrollment process.

Should we make any changes to hardware or software requirements for electronic delivery such that you will no longer be capable of accessing or retaining your documents electronically, we will inform you of the revised hardware and software requirements. You will be requested to review the revised Terms of Use and your continued enrollment will serve as your consent to continue participating in the Electronic Delivery option according to the new requirements. We reserve the right to modify these Terms and Conditions at any time. Your continued participation in Paperless billing will constitute your acceptance of any revisions to the Terms and Conditions. Please check the Terms and Conditions on https://telecomoffer.com/ regularly.

We are not required to deliver information electronically and may discontinue electronic delivery in whole or in part at any time.