Terms of Use

AGREEMENT BETWEEN USER AND Virginia Farm Bureau Mutual Insurance
These Terms of Use outline the terms and conditions applicable to use of the website of Virginia Farm Bureau Mutual Insurance Company, its affiliates and its subsidiaries (“VFBMIC”). The VFBMIC Website is comprised of various web pages operated by VFBMIC. The VFBMIC Website is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the VFBMIC Website constitutes your agreement to all such terms, conditions, and notices. VFBMIC reserves the right to change the terms, conditions, and notices under which the VFBMIC Website is offered, including but not limited to the charges associated with the use of the VFBMIC Website. You agree to be bound by any such revisions if you continue to use the Website after we have posted the changes, and we suggest that you periodically revisit the Website to review the most recent and up-to-date Terms and Conditions.

PRIVACY POLICY

Please review VFBMIC’s Internet Privacy Policy. The Internet Privacy Policy explains what information VFBMIC may collect from you on our Website and how we will use and protect your information. We do not collect any personally identifiable information on our Website unless you provide that information to us.

LINKS TO THIRD PARTY SITES
The VFBMIC Website may contain links to other websites ("Linked Sites"). The Linked Sites are not under the control of VFBMIC and VFBMIC is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. VFBMIC is not responsible for webcasting or any other form of transmission received from any Linked Site. VFBMIC is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by VFBMIC of the site or any association with its operators.

NO UNLAWFUL OR PROHIBITED USE
As a condition of your use of the VFBMIC Website, you warrant to VFBMIC that you will not use the VFBMIC Website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the VFBMIC Website in any manner which could damage, disable, overburden, or impair the VFBMIC Website or interfere with any other party's use and enjoyment of the VFBMIC Website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the VFBMIC websites.

USE OF COMMUNICATION SERVICES
The VFBMIC Website may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, "Communication Services"). You agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

  • Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
  • Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.
  • Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
  • Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.
  • Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.
  • Conduct or forward surveys, contests, pyramid schemes or chain letters.
  • Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.
  • Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
  • Restrict or inhibit any other user from using and enjoying the Communication Services.
  • Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.
  • Harvest or otherwise collect information about others, including e-mail addresses, without their consent.
  • Violate any applicable laws or regulations.

VFBMIC has no obligation to monitor the Communication Services. However, VFBMIC reserves the right to review materials posted to a Communication Service and to remove any materials at its sole discretion.
VFBMIC reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, at VFBMIC’s sole discretion.

Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. VFBMIC does not control or endorse the content, messages or information found in any Communication Service and, therefore, VFBMIC specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized VFBMIC spokespersons, and their views do not necessarily reflect those of VFBMIC.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.

MATERIALS PROVIDED TO VFBMIC OR POSTED AT ANY VFBMIC WEBSITE
VFBMIC does not claim ownership of the materials you provide to VFBMIC (including feedback and suggestions) or post, upload, input or submit to any VFBMIC website or its associated services (collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting VFBMIC, its affiliated companies and necessary sublicensees a perpetual, irrevocable, world-wide, royalty-free tight and license to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.

No compensation will be paid with respect to the use of your Submission, as provided herein. VFBMIC is under no obligation to post or use any Submission you may provide and may remove any Submission at any time at VFBMIC’s sole discretion.

By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

LIABILITY DISCLAIMER
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE VFBMIC WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. VFBMIC AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE VFBMIC AT ANY TIME. ADVICE RECEIVED VIA THE VFBMIC WEBSITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.

VFBMIC AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE VFBMIC WEBSITEFOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. VFBMIC AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL VFBMIC AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE VFBMICWEBSITE, WITH THE DELAY OR INABILITY TO USE THE VFBMICWEBSITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE VFBMICWEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THE VFBMICWEBSITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF VFBMIC OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE VFBMICWEBSITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE VFBMICWEBSITE.

SERVICE CONTACT: info@FarmBureauAdvantage.com

TERMINATION/ACCESS RESTRICTION
VFBMIC reserves the right, at its sole discretion, to terminate your access to the VFBMIC Website and the related services or any portion thereof at any time, without notice, for whatever reason.

APPLICABLE LAW/SEVERABILITY

To the maximum extent permitted by law, this agreement is governed by the laws of the Commonwealth of Virginia, U.S.A. and you hereby consent to the exclusive jurisdiction and venue of courts in Richmond, Virginia, U.S.A. in all disputes arising out of or relating to the use of the VFBMIC Website. Use of the VFBMIC Website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and VFBMIC as a result of this agreement or use of the VFBMIC Website. VFBMIC’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of VFBMIC’s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the VFBMIC Website or information provided to or gathered by VFBMIC with respect to such use.

If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision, and the remainder of this agreement shall continue in effect.

OTHER AGREEMENTS

Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and VFBMIC with respect to the VFBMIC Website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and VFBMIC with respect to the VFBMIC Website. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

LANGUAGE NOTICE

It is the express wish of the parties that this agreement and all related documents be drawn up in English.

COPYRIGHT AND TRADEMARK NOTICES
The information on this Website, along with any materials therein, is the copyrighted work of VFBMIC and is protected under United States and worldwide copyright laws and treaty provisions. The trademarks, service marks, trade names, logos, icons, and domain names and images displayed on this Website, ("Marks") are the property of VFBMIC unless otherwise noted. You are prohibited from using any Marks or any other content on this Website, for any given purpose, without VFBMIC’s express, written authorization and permission.

NOTICES AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT (DIGITAL MILLENIUM COPYWRIGHT ACT)
Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement under United States copyright law should be sent to:

General Counsel
12580 West Creek Parkway
Richmond, VA 23238
Legal@vafb.com

COMPANY INFORMATION

VFBMIC, as used in these Terms and Conditions, includes all of the following:

Virginia Farm Bureau Fire & Casualty Insurance Company

Virginia Farm Bureau Town & Country Insurance Company

Virginia Farm Bureau Mutual Insurance Company