SMS Messaging Terms and Conditions

Program Description

By opting in to receive SMS text messages from Premier Farmers Agency, you agree to receive messages related to insurance inquiries, insurance quotes, policy information, account notifications, appointment confirmations, and customer support. Promotional offers and marketing updates may also be sent to individuals who have separately opted in to receive marketing communications.

Message Frequency

Message frequency may vary depending on your interactions with our agency and your service needs.

Message and Data Rates

Message and data rates may apply.

Opt-Out

Reply STOP to opt out of receiving SMS messages at any time. After opting out, you may receive a final confirmation message.

Customer Support

Reply HELP for assistance or contact Premier Farmers Agency at (714) 340-4504 or benjamin.h@premierfarmersagency.com.

Consent

Consent to receive SMS messages is voluntary and is not a condition of purchasing insurance products or services from Premier Farmers Agency.

Privacy

We respect your privacy. Your mobile information and SMS opt-in consent will not be sold, rented, or shared with third parties or affiliates for their own marketing purposes. For additional information, please review our Privacy Policy.

Carrier Disclaimer

Mobile carriers are not liable for delayed or undelivered messages.

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1. About Our Website

This website is provided to give visitors information about our insurance products and services, allow users to request information or insurance quotes, and provide ways to contact our agency.

The information on this website is provided for general informational purposes and is not intended to constitute an offer to sell or a solicitation for any particular insurance product unless specifically stated otherwise.

Insurance products, coverage options, eligibility, rates, discounts, and availability are subject to applicable underwriting guidelines, policy terms, conditions, exclusions, and limitations.

2. Insurance Quotes and Applications

Information submitted through this website, including information provided through quote forms, contact forms, or other online forms, may be used by Premier Farmers Agency to contact you regarding your request.

Submitting information through this website does not guarantee:

• An insurance quote;

• A particular premium or rate;

• Eligibility for coverage;

• Approval of an insurance application;

• Availability of a particular insurance product; or

• Issuance or binding of an insurance policy.

A quote is not a binder of insurance and does not create an insurance contract.

Coverage is only effective when an insurance policy or other applicable documentation has been issued or coverage has otherwise been properly bound by an authorized insurance representative.

3. Accuracy of Information

We make reasonable efforts to provide accurate and current information on this website. However, insurance products, rates, discounts, underwriting requirements, and other information may change.

You are responsible for providing accurate and complete information when requesting a quote, submitting an application, or communicating with our agency.

We are not responsible for consequences resulting from inaccurate, incomplete, outdated, or misleading information provided by a website visitor.

4. No Professional or Legal Advice

Information provided on this website is for general informational purposes and should not be considered legal, financial, tax, or other professional advice.

Insurance coverage decisions should be made based on your individual circumstances and the actual terms and conditions of the applicable insurance policy.

If you have questions regarding your specific coverage, please contact our agency or another appropriately qualified professional.

5. Communications

By submitting your contact information through this website, you may be contacted by Premier Farmers Agency regarding your inquiry, insurance quote, application, policy, or other services you have requested.

Depending on the information you provide and your communication preferences, communications may occur by telephone, email, text message, or other available communication methods.

Message and data rates may apply to text messages depending on your mobile carrier and plan.

You may request to stop receiving certain communications by contacting us or by following applicable opt-out instructions included in the communication.

6. Website Availability

We make reasonable efforts to keep this website available and functioning properly. However, we do not guarantee that the website will always be available, uninterrupted, secure, or free from errors.

We may modify, suspend, discontinue, or restrict access to all or part of the website at any time without notice.

7. Third-Party Websites and Services

This website may contain links to third-party websites, services, applications, or resources.

These third-party services are not controlled by Premier Farmers Agency. We are not responsible for the content, accuracy, availability, security, privacy practices, or policies of third-party websites or services.

Your use of third-party websites is subject to their respective terms and privacy policies.

8. Intellectual Property

Unless otherwise stated, the content on this website, including text, graphics, logos, images, designs, photographs, and other materials, is owned by or licensed to Premier Farmers Agency and is protected by applicable intellectual property laws.

You may view and use the website for your personal, non-commercial purposes.

You may not reproduce, distribute, modify, republish, sell, or commercially exploit website content without our prior written permission.

9. Prohibited Uses

You agree not to use this website:

• For any unlawful purpose;

• To provide false or misleading information;

• To interfere with or disrupt the operation of the website;

• To attempt to gain unauthorized access to our systems;

• To introduce malicious code, viruses, or other harmful material;

• To scrape, copy, or systematically collect website content without permission; or

• In any manner that could damage, disable, overburden, or impair the website.

10. Disclaimer of Warranties

To the fullest extent permitted by applicable law, this website and its content are provided on an “as is” and “as available” basis.

Premier Farmers Agency makes no warranties, express or implied, regarding the website or its content, including warranties of accuracy, completeness, availability, reliability, merchantability, fitness for a particular purpose, or non-infringement.

We do not guarantee that the website will be error-free, uninterrupted, secure, or free from harmful components.

11. Limitation of Liability

To the fullest extent permitted by applicable law, Premier Farmers Agency and its owners, employees, representatives, agents, and affiliates will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating to your use of, or inability to use, this website.

Nothing in these Terms is intended to exclude or limit liability that cannot legally be excluded or limited under applicable law.

12. Indemnification

To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Premier Farmers Agency and its owners, employees, representatives, agents, and affiliates from claims, liabilities, damages, losses, costs, and expenses arising from your misuse of the website, violation of these Terms, or violation of applicable law or the rights of another person.

13. Privacy

Your use of this website is also subject to our Privacy Policy, which explains how we collect, use, disclose, and protect information submitted through the website.

14. Changes to These Terms

We may update these Terms from time to time. When we make changes, we will update the “Effective Date” at the top of this page.

Your continued use of the website after changes are posted constitutes your acceptance of the updated Terms.

15. Governing Law

These Terms are governed by the laws of the State of California, without regard to its conflict-of-law principles, except where applicable law requires otherwise.

16. Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy and any other applicable agreements or policies referenced on this website, constitute the agreement between you and Premier Farmers Agency concerning your use of this website, except where a separate written agreement applies.

18. Contact Us

If you have questions regarding these Terms of Service. Please see our contact information below.

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