Terms And Conditions
All Information ("Content") provided by Tennessee Farmers Insurance Companies on the World Wide Web of the Internet ("its web sites") is owned by or licensed to TFIC and/or its affiliates and subsidiaries (collectively "TFIC"). By accessing and using any of the TFIC web sites you represent that you are 16 years or older and understand that through such access and usage you are legally bound by these Terms and Conditions.
TFIC retains all proprietary rights to TFIC information. All unauthorized use of the information (including e-mail addresses) contained on these sites is strictly prohibited without prior written permission from TFIC.
TFIC does, however, authorize you to copy documents published on our sites for noncommercial, personal use. In consideration of this authorization, you agree that any copy of these documents that you make shall retain all copyright and other proprietary notices contained herein.
Each individual document published by TFIC on our web sites may contain other proprietary notices and copyright information relating to that individual document. Likewise, any product, process, or technology, contained in individual documents on our web sites may be the subject of other intellectual property rights reserved by TFIC, and may not be licensed hereunder.
All trade names, trademarks, service marks, images and logos on TFIC owned web sites are proprietary to their respective owners and are protected by applicable trademark and copyright laws. Any unauthorized use of TFIC owned marks or graphics is strictly prohibited.
You may not, nor may you allow others to, directly or indirectly, attempt or actually disrupt, impair or interfere with, alter or modify any TFIC owned web site or content. Likewise, you may not, nor may you allow others to, directly, or indirectly, collect or attempt to collect any information about our customers, including passwords, account or other data.
Users may through hypertext or other computer links gain access to other sites on the Internet which are not part of TFIC's web sites. TFIC assumes no responsibility for any material outside of TFIC's web sites that may be accessed through any such "link".
DISCLAIMER
The material on our sites is provided as is. This means that TFIC disclaims all express and implied warranties about the material in the sites. This includes, but is not limited to, warranties that: (1) the material is of any particular level of quality or is fit for a particular purpose; (2) the functional elements contained in the materials will be uninterrupted or error-free; (3) defects will be corrected; (4) our sites, or the servers that make them available are free of computer viruses or other harmful components or conditions; or (5) information contained in the sites is accurate as of any particular date.
TFIC will not be responsible for any damages or injuries that accompany or result from your use of its sites. These include (but are not limited to) damages or injury caused by any: (1) Use of (or inability to use) the sites; (2) Use of (or inability to use) any site to which you hyperlink from our sites; (3) Failure of performance; (4) Error; (5) Omission; (6) Interruption; (7) Defect; (8) Delay in operation or transmission; (9) Computer virus; or (10) Line failure. We are not liable for any consequential or incidental damages, which are damages intended to compensate someone directly for a loss or injury, damages reasonably expected to result from a loss or injury, or other miscellaneous damages and expenses resulting directly from a loss or injury. Furthermore, we are not liable even if we have been negligent or if our authorized representative has been advised of the possibility of such damages -- or both.
However, in certain states where the law may not allow us to limit or exclude liability for these incidental or consequential damages, the above limitation may not apply and you may have the right to recover these types of damages, in any event, our liability to you for all losses, damages, injuries and claims of any kind, whether the damages are claimed under the terms of a contract, or they are claimed to be caused by negligence or other wrongful conduct or any other legal theory, will not be greater than the amount you have paid to access our sites.
By providing material on our Web site TFIC does not in any way promise that the materials will remain available to you or that you will qualify for the products we offer. TFIC is entitled to terminate all or part of any of its Web sites at any time, without notice to you.
JURISDICTION
Unless otherwise specified, the materials in our site are presented to provide information about TFIC, our insurance products and the insurance business. TFIC operates and controls its sites from the Company's headquarters in Columbia, Tennessee, in the United States of America, and Tennessee law shall govern and control any action concerning the TFIC sites. We do not in any way imply that the materials on the sites or the products we discuss are available or for use outside the United States or in jurisdictions in which we are not licensed to do business, or that we are soliciting business in any such jurisdiction.
CONSUMER REPORTS
To provide an online home and auto quote, we utilize various consumer reports, which may include insurance scoring, driving records, claims history, registered vehicles and licensed drivers in a household, to the extent permitted by law, to confirm the exact risk and premium.
PRIVACY POLICY
Tennessee Farmers Mutual Insurance Company | Tennessee Farmers Assurance Company | Tennessee Farmers Life Insurance Company
Security Of Your Nonpublic Personal Information The privacy of our customers and members is important to us and we are committed to its protection. We have a tradition of respecting your right to keep personal information private and avoid unwanted solicitations. As required by new federal and state laws, we have developed this privacy policy to inform you of how we handle your personal information.
Categories Of Nonpublic Personal Information Collected and Subject to Disclosure We collect nonpublic personal information from the following sources:
Information we receive on applications or other forms such as names, addresses, and dates of birth
Information about transactions with us, our affiliates or others such as policy numbers and coverage; and
Information we receive from consumer and credit reporting agencies such as claim and credit histories.
Restrictions On Use Of Information
Restrictions on Use By Us We restrict access to nonpublic personal information about you to those employees, independent contracting agents, and other affiliated entities or individuals who need to know that information to provide products or services to you. Their right to further disclose and use that information is limited by our employee conduct rules, applicable law, and nondisclosure agreements where appropriate. We maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to guard your nonpublic personal information.
Restrictions On Use By Others We do not sell your nonpublic personal information to anyone. We only disclose nonpublic personal information to others as permitted or required by law in conjunction with our normal insurance operations. For example, we may provide limited nonpublic personal information to others to process claims, to underwrite and maintain your insurance, to combat fraud, in response to examination by government agencies, or if required by a court. Any person or entity to whom we release information is prohibited by law and/or contract with us from misusing nonpublic personal information. Because our use of nonpublic personal information is restricted as described above, an opt out provision is not necessary or available.
MISCELLANEOUS
These Terms and Conditions, and the agreement they create, shall be governed by and interpreted according to the laws of the State of Tennessee, without giving effect to Tennessee's conflict of laws principles.
If any provision of this agreement is unlawful, void or unenforceable, it shall not affect the validity and enforceability of any remaining provisions.
TFIC may modify these Terms and Conditions, and the agreement they create, at any time, simply by updating this posting or the information on its Web sites and without notice to you.
This is the entire agreement regarding all the matters that have been discussed in the preceding paragraphs.
If you have any comments or concerns regarding our terms and conditions or privacy policy, please contact us through our website or by mail to Tennessee Farmers Insurance Companies, P.O. Box 998, Columbia, TN 38402-0998, Attention: Legal Department.
