Terms of Use

Use of the Farmers Insurance Company of Flemington (“FOF”) website and its services is subject to the following Terms of Use (“TOU”). By using this website, you acknowledge and agree to these TOU and any limitations set forth herein. FOF reserves the right to update these TOU from time to time. When changes are made, we will update the “Last Updated” date at the top of this page. Your continued use of this website following the posting of any changes constitutes your acceptance of the revised TOU.

Disclaimer

This website provides general information only. Coverage is subject to the terms, conditions, limitations, and exclusions stated in each specific policy. Coverage may also be subject to certain modifications or endorsements. Please consult the policy declarations and policy forms for your specific policy for complete details regarding coverages, conditions, limitations, endorsements, and exclusions.

Description of Services

FOF provides access to a variety of resources and services (“Services”), which may include areas accessible 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 these TOU.

Use of Content

FOF content, including documents, whitepapers, graphics, logos, software, forums, polls, and other materials, is provided for informational, non-commercial, or personal use only. You may not modify, 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 the FOF website are protected by trade dress, trademark, unfair competition, copyright, and other laws and may not be copied or imitated, in whole or in part. Content not owned by FOF is licensed or otherwise published by FOF with permission from the owner of the material. All rights in such materials are reserved to their respective owners.

FOF makes reasonable efforts to ensure that content appearing on this website is used with appropriate permission or authorization. If you believe that FOF has inadvertently used any copyrighted image, text, or other material without permission, please notify us at support@farmersofflemington.com. Upon receipt of appropriate notice, we will promptly review the matter and remove the material if necessary.

Cookies and Tracking Technologies

This website uses cookies and similar tracking technologies to improve your browsing experience, analyze site traffic, and understand how visitors interact with our content. Cookies are small text files placed on your device when you visit our site.

We use the following types of cookies:

• Essential cookies: Required for the website to function properly.
• Analytics cookies: Help us understand how visitors use our site, including which pages are most popular and how users navigate between pages.
• Functional cookies: Remember your preferences to improve your experience.

You may disable cookies through your browser settings; however, doing so may affect the functionality of certain areas of our website. By continuing to use this website, you consent to our use of cookies as described in this agreement.

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 or error-free, or that this website, any linked site, or the server that hosts the website will be free from viruses or other harmful computer code.

All information is provided “as is,” without warranties of any kind, including warranties of merchantability, fitness for a particular purpose, title, or non-infringement. In no event shall FOF, its agents, or anyone involved in the creation, production, or delivery of this website be liable for any direct, incidental, consequential, or other damages resulting from the use of this website or any linked site.

External Links

Links to other websites are provided by FOF as a convenience to users. The inclusion of any link does not imply endorsement by FOF of the linked website, its owner, or any materials contained on that website. Likewise, the existence of a link to another website does not imply that the organization or person publishing at that website endorses any materials appearing on this website.

FOF is not responsible for the content, materials, security, or privacy practices of any website linked to this website.

Unlawful or Prohibited Use

As a condition of your use of the Services, you agree not to use the Services for any purpose that is unlawful or prohibited by these TOU. 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 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.

Governing Law and Jurisdiction

This Visitor Agreement and any disputes arising out of or related to your use of this website shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law provisions. You agree that any legal action or proceeding arising out of or relating to this Agreement shall be brought exclusively in the state or federal courts located in New Jersey, and you hereby consent to the personal jurisdiction of such courts.

Privacy Statement

We recognize and respect your need for privacy and security when you visit www.FarmersofFlemington.com. When you visit our site to view pages or read product information, you may do so without telling us who you are and without revealing personal information.

While we do not collect identifying information about visitors who simply browse our site, we may use standard software and cookies to collect information for the limited 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 many websites, our web server may automatically recognize the domain name of your Internet service provider when you visit. Our web server may also report the total number of visits to each page on our site.

We collect information volunteered by consumers, such as answers to survey questions or information submitted through forms. We do not automatically collect e-mail addresses, except when you communicate with us by e-mail or otherwise provide your e-mail address to us.

Depending on your needs, we may collect different types of information. This may include personal information about you and household members, including:

• Information you provide on your application or other forms, such as name, address, phone number, e-mail address, Social Security number, driver’s license number, lender information, prior claims, and property information.
• Information from third parties, such as consumer reporting agencies, including motor vehicle reports, driver reports, claim history, and credit-based insurance scores; insurance support organizations; photographs or videos; appraisals; inspection and investigation reports; publicly available sources; and commercially available data aggregators.
• 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.

If we use a consumer reporting agency, you may request to be interviewed in connection with the preparation of an investigative consumer report. Upon request, you are entitled to receive a copy of the investigative consumer report.

We obtain credit-based insurance scores from TransUnion using its TrueRisk insurance score product. More information is available at https://www.transunion.com/product/truerisk.

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 inside or outside 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 applicable 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 products or services to you or maintain information security practices.

Privacy Practices for Linked Sites

This website contains links to other sites as a convenience to visitors. Please be aware that FOF is not responsible for the privacy practices of those sites, even if our name or logo appears on those sites. We cannot guarantee that sites we do not own or control have the same privacy practices as FOF. 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 website you visit, as the privacy policies of those sites may differ from ours. This Privacy Statement applies solely to this website.

FOF reserves the right to make changes to this Privacy Statement from time to time. Any revised Privacy Statement will be reflected by the updated “Last Updated” date at the top of this page.

Accessibility

FOF is committed to ensuring that our website is accessible to all users, including individuals with disabilities. We strive to conform to the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA standards. If you experience any difficulty accessing content on our website, please contact us at support@FarmersofFlemington.com and we will make reasonable efforts to provide you with the information or service you need through an alternative means.

For More Information / Dispute Resolution

If you have any questions or comments about our website privacy practices, you may 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. We will acknowledge receipt of your inquiry within five (5) business days and work to resolve the matter in a timely manner.