This website provides general information only. Actual coverage is subject to the terms, conditions and exclusions stated in the policies. Coverage may be subject to certain limitations or modifications. Please consult the actual policy forms for complete details on coverages, conditions and exclusions.
DESCRIPTION OF SERVICES
FOF provides you with access to a variety of resources (“Services”) and may include a section that can be accessed only by FOF staff, agents and customers. The Services, including any updates, enhancements, new features, and/or the addition of any new web properties, are subject to the TOU.
USE OF CONTENT
Use of FOF content (documents, whitepapers, graphics, logos, software, forums, polls, etc.) is for informational and non-commercial or personal use only. You may not modify any content, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, post on any network, broadcast in any media or sell any information, software, products or services obtained from the Services unless expressly permitted by FOF. Elements of FOF website are protected by trade dress, trademark, unfair competition, and other laws and may not be copied or imitated in whole or in part. Content other than that belonging to FOF is licensed or otherwise published by FOF with the permission of the owner of the material. All rights in such materials are reserved to the respective owners.
LIMITS OF LIABILITY
FOF makes no warranties or representations of any kind that the services provided by this website or any linked site will be uninterrupted, error-free, or that the site or the server that hosts the site are free from viruses or other forms of harmful computer code. All such information is provided “as is,” and with specific disclaimer of any warranties of merchantability, fitness for a particular purpose, title, or non-infringement. In no event shall FOF, its agents, or anyone else who has been involved in the creation, production, or delivery of these pages, be liable for any direct, incidental, or consequential damages resulting from the use of this website or any linked site.
Links to other websites do not imply an endorsement of the materials disseminated at those websites, nor does the existence of a link to another site imply that the organization or person publishing at that site endorses any of the materials at this site. Links to other websites are provided by FOF as a convenience to its users. FOF is not responsible for the materials contained at any website linked to this site.
UNLAWFUL OR PROHIBITED USE
As a condition of your use of the Services, you will not use the Services for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Services in any manner that could damage, disable, overburden, or impair any FOF website, or interfere with any other party’s use and enjoyment of the Services. You may not attempt to gain unauthorized access to any Services, computer systems or networks connected to any FOF server or to any of the Services, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Services.
We recognize and respect your need for privacy and security as you visit www.FarmersofFlemington.com. When you visit our site to view any pages or read product information, you do so without telling us who you are and without revealing any personal information. While we do not collect identifying information about visitors to our site, we do use standard software to collect information for the strict purpose of tracking activity on our site. This allows us to better understand how many people use our site and which pages and features are most popular.
What information do we collect?
As with any Web site, our Web server automatically recognizes the domain name of your Internet service provider whenever you visit. Our Web server also reports the total number of visits to each page on our site. We collect any information volunteered by consumers, such as answers to survey questions. We do not automatically collect e-mail addresses, except in the instances where you communicate with us via e-mail.
Depending on your needs, we collect different types of information. This may include personal information about you and household members which may include:
- Information you provide on your application or other forms such as name, address, phone, email, Social Security number, driver’s license number, lender information, prior claims, and property information.
- Information from third parties such as consumer reporting agencies, (ex. motor vehicle reports, drivers reports, claim history, and credit-based Insurance Score), insurance support organizations, photographs/videos, appraisals, inspection and investigation reports, publicly available sources, and commercially available data aggregators.
- If we use a consumer reporting agency, you may request to be interviewed in connection with the preparation of the investigative consumer report, and upon a request, you are entitled to receive a copy of the investigative consumer report.
- We obtain credit-based Insurance Scores from Trans Union using their TrueRisk insurance score product. More information is available at https://www.transunion.com/product/truerisk
- Information you provide for billing or payment purposes, such as account numbers.
- Information about your transactions with us, our affiliates or others, such as claim information, premiums, property information and medical information.
What do we do with your information?
FOF uses the information we collect for our everyday business purposes. We do not sell your customer information to anyone. We do not share this information with companies or organizations outside of FOF that would use it to contact you about their products and services. If that practice were to change, we would offer you the means to opt out of this type of information sharing.
We or your agent may use your information to help you with your insurance needs. We may also contact you about products, features, and options in which you may have an interest. Without your consent, we may provide your information to persons or organizations in and out of FOF in order to:
- Evaluate your application for insurance.
- Fulfill a transaction you have requested.
- Service your policy.
- Market our products to you.
- Investigate or handle claims.
- Detect, prevent, or prosecute fraud.
- Participate in insurance support organizations. The information in a report prepared by an insurance organization may be retained by that organization and distributed to other persons.
- Comply with lawful requests from regulatory and law enforcement authorities.
How do we protect your information?
We maintain physical, electronic and procedural safeguards to guard your nonpublic personal information. These practices comply with federal and state regulations. We restrict access to nonpublic personal information about you to staff on a “need to know” basis so they may provide you products or services or maintain information security practices.
What are the privacy practices for sites that are linked from our website?
This Website contains links to other sites as a convenience to persons who visit the FOF website. Please be aware that FOF is not responsible for the privacy practices of those sites, even though our name or logo may appear on those sites. We cannot guarantee that links to sites we do not own or control have the same privacy practices. Consequently, we do not assume responsibility for them. We encourage you to be aware when you leave our site and to read the privacy policies of each and every website that you visit, as the privacy policies of those sites may differ from ours. Our Privacy Statement applies solely to this Website.
FOF reserves the right to make changes to this Privacy Statement from time to time, which will be provided to you by posting the revised Statement on this Website.
For More Information/Privacy Dispute Resolution
If you have any questions or comments about our Website privacy practices, you can contact us at support@FarmersofFlemington.com.
To initiate a dispute regarding our privacy practices, please submit a description of your dispute by e-mail to support@FarmersofFlemington.com.