Terms of Use

These Terms of Use, in conjunction with our Privacy Policy, represent the entire legal agreement between you (“User” or “you”) and Eric Lowry‑Farmers Insurance (“Company”, “we,” or “us”).

Acceptance of Terms

By visiting or using this website and its subdomains (“Website”), you acknowledge your agreement to these Terms. If you do not fully agree, please refrain from using the Website.

Privacy Acknowledgement

Your interactions and personal data shared on this Website are governed by our Privacy Policy, which may be revised at our discretion and is incorporated into these Terms.

Definitions

References to “Client,” “You,” and “Your” mean any individual accessing the Website. Terms like “Company,” “We,” “Our,” and “Us” refer to Eric Lowry‑Farmers Insurance. “Party” or “Parties” refers jointly to You and the Company. These definitions clarify usage throughout this agreement.

We use cookies to enhance your experience. By using the Website, you consent to our cookie use as described in our Privacy Policy.

All content on the Website is owned by the Company or its licensors. You may not reproduce, distribute, modify, or transmit any materials without our express written consent.

User-Generated Comments

You may post comments or content (“Comments”) on certain areas of the Website. These reflect your views, not ours. We do not pre-screen Comments and are not responsible for them, but may remove any at our discretion. By posting, you confirm you have the right to do so, and grant the Company a perpetual, royalty-free license to use, reproduce, and modify your Comments.

Linking Policies

Certain entities (e.g. government agencies, search engines, news outlets) may link to our Website without prior approval. Others must request permission by contacting us. Approved links must not mislead or imply endorsement.

Iframe Restrictions

You may not embed our pages within frames or alter their appearance on your site without written permission from us.

Liability for Third-Party Content

We are not accountable for materials on external sites linking to or from our Website. You agree to indemnify us against any claims arising from your site or content.

Right to Amend Terms

We reserve the unrestricted right to request removal of any link to our Website and to update these Terms at any time. Continued use of the Website constitutes acceptance of those changes.

Feedback and Submissions

Any feedback or materials you provide become our exclusive property, and we may use them without any obligation to you.

Acceptable Use

You agree not to use the Website for illegal purposes. We may restrict or terminate access for rule violations or misuse.

Testimonials and Reviews

If you provide a testimonial or review, you grant us permission to publish it along with your name and location. We may edit any submission for clarity or length and are under no obligation to do so.

Consent to Contact

By submitting your contact details, you consent to receive communications from us, including automated calls and messages. You may withdraw your consent at any time by emailing us or replying “STOP” to text messages.

Dispute Resolution and Arbitration

Any dispute must be resolved through binding arbitration under the rules of the American Arbitration Association (AAA), in the state where the Company is incorporated. Class claims, consolidated arbitration, and lawsuits are prohibited.

Governing Law and Jurisdiction

This Agreement is governed by the laws of the state where the Company is incorporated. Legal claims must be brought in the courts of that state.

Modifications to These Terms

We may update these Terms periodically. Your continued use of the Website means you accept the most current version.