Privacy Policy — John Allen Farmers Insurance

1. Introduction and Scope

Farmers Insurance - John Allen Agency (John Allen, Owner/Agent) (the “Agency”) is located in Columbia, Missouri and is licensed to offer insurance in Missouri, Kansas, and Arkansas. We provide insurance-related information, quotes, coverage reviews, policy services, claims assistance, and other agency services.

This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information in connection with:

• Our website and related webpages;
• Quote-request forms, contact forms, appointment requests, and other online submissions;
• Telephone calls, text messages, emails, and other communications;
• Farmers Coverage Review consultations;
• In-person meetings and consultations;
• Insurance quotes, applications, policy servicing, and claims support; and
• Other interactions with our agency.

For purposes of this Policy, “we,” “us,” “our,” and “Agency” mean Farmers Insurance - John Allen Agency (John Allen, Owner/Agent). “You” means a website visitor, prospective customer, policyholder, applicant, claimant, or other individual who communicates with us.

This Policy applies to information collected by the Agency unless a separate privacy notice applies. For example, Farmers Insurance companies, insurance carriers, financial institutions, service providers, and other third parties may provide separate privacy notices governing their own information practices. If there is a conflict between this Policy and a legally required privacy notice, the legally required notice will control.

The Agency may operate as an insurance agency or producer and may not be the insurance carrier that underwrites or administers your policy. Information submitted to us may be transmitted to or processed by the applicable Farmers Insurance company, carrier, underwriter, or other insurance partner.

2. Information We Collect

The information we collect depends on how you interact with us, the insurance products involved, and the services you request.

2A. SMS/Text Messaging & Mobile Opt-In Data

We may send SMS/text messages to consumers only when we have the consumer’s prior express written consent (where required by applicable law). SMS/text messages may include appointment reminders, responses to inquiries, quote and application updates, policy service communications, and other service-related or informational messages you request or authorize.

We will not share, sell, rent, or otherwise disclose SMS opt-in data—including mobile phone numbers and the fact of opt-in consent—to any third party or affiliate for marketing or promotional purposes. Mobile opt-in information is never shared with third parties.

2.1 Identifiers and Contact Information

We may collect:

• Name, preferred name, and title;
• Mailing, residential, and property addresses;
• Email address;
• Telephone and mobile numbers;
• Date of birth;
• Driver’s license number or other identification information;
• Account usernames or login information, if applicable;
• Signature or electronic signature;
• IP address and other online identifiers; and
• Information you provide when scheduling an appointment or requesting a callback.

2.2 Insurance and Application Information

When you request a quote, submit an application, seek coverage advice, or participate in a Farmers Coverage Review, we may collect information such as:

• Current and requested types of insurance coverage;
• Policy numbers, coverage limits, deductibles, exclusions, and expiration dates;
• Prior insurance history and prior coverage;
• Claims history and loss information;
• Information concerning eligibility, risk, and underwriting;
• Information provided on applications and supplemental forms;
• Information about household members, drivers, residents, dependents, beneficiaries, and other involved individuals;
• Financial information relevant to underwriting, eligibility, billing, or payment;
• Information relating to life insurance, health-related underwriting, or other protected categories when necessary and permitted by law; and
• Information contained in communications with you or your authorized representative.

2.3 Driver and Vehicle Information

For automobile, motorcycle, recreational vehicle, and related insurance, we may collect:

• Driver’s license information;
• Driving history, violations, accidents, and claims;
• Vehicle identification number, make, model, year, mileage, and equipment;
• Registration, title, lienholder, and garaging information;
• Vehicle use, ownership, mileage, and usage information;
• Information about other drivers and household members; and
• Telematics or driving-program information when you elect to participate in an applicable program, such as a Farmers program or mobile application.

2.4 Property and Business Information

For homeowners, renters, condominium, commercial, umbrella, and related insurance, we may collect:

• Property address and location;
• Construction, occupancy, age, condition, and replacement-cost information;
• Mortgage, lienholder, landlord, and ownership information;
• Security, alarm, fire-protection, and property-maintenance information;
• Photographs, inspection information, and property documentation;
• Business name, address, ownership, operations, employees, revenue, assets, and risks;
• Commercial vehicle, equipment, inventory, and premises information;
• Workers’ compensation, general liability, commercial property, and other business insurance information; and
• Information about business partners, employees, contractors, or other individuals when necessary for insurance services.

2.5 Payment and Billing Information

If you purchase or maintain insurance, we or the applicable carrier or payment provider may collect:

• Billing address;
• Bank account or payment-card information;
• Premium, installment, and payment history;
• Payment authorization information;
• Account and transaction details; and
• Information needed to process refunds, cancellations, reinstatements, or other billing activities.

Payment information may be collected and processed directly by a carrier or payment-service provider.

2.6 Communications and Consultation Information

We may collect information you provide during:

• Telephone calls;
• Voicemails;
• Emails and text messages;
• Online chats or electronic messages;
• In-person meetings;
• Farmers Coverage Review consultations;
• Claims-related communications;
• Customer-service interactions; and
• Communications with your authorized representative.

2.7 Website Usage and Device Information

When you visit our website, we or our service providers may automatically collect:

• IP address;
• Browser type and version;
• Operating system and device type;
• Screen resolution and language preferences;
• Approximate location derived from IP address;
• Pages visited, links clicked, and website navigation activity;
• Date, time, duration, and referring website;
• Search terms used to reach the website;
• Form-submission activity and error information;
• Cookie identifiers, mobile advertising identifiers, and similar technologies; and
• Security, diagnostic, and performance information.

We may associate this information with information you submit to us, subject to applicable law.

2.8 Information from Other Sources

We may receive information from:

• Farmers Insurance companies and affiliated entities;
• Insurance carriers, underwriters, reinsurers, and managing general agents;
• Other agents, producers, brokers, and representatives;
• Credit, insurance-score, motor-vehicle, property, claims, and reporting agencies;
• Public records and governmental authorities;
• Service providers and vendors;
• Your household members, employers, business representatives, or authorized representatives;
• Referrals and marketing partners; and
• Other parties involved in obtaining, underwriting, servicing, or administering insurance.

3. How We Use Information

We may use personal information for the following purposes:

3.1 Providing Insurance Services

We may use information to:

• Respond to inquiries and requests;
• Prepare and provide insurance quotes;
• Conduct Farmers Coverage Reviews;
• Evaluate coverage needs and identify potential gaps or overlaps;
• Submit, process, and administer applications;
• Assist with underwriting and eligibility decisions;
• Issue, renew, change, or cancel policies;
• Service accounts and answer questions;
• Process billing and payments;
• Support claims reporting and claims-related communications;
• Provide policy documents, notices, and other communications;
• Coordinate with carriers, underwriters, and service providers; and
• Provide requested insurance, financial, or related services.

3.2 Communications

We may use information to communicate with you by mail, telephone, email, text message, or other available methods regarding:

• Quotes and applications;
• Policy status and service requests;
• Billing and payment matters;
• Renewals, changes, cancellations, and other policy events;
• Claims support;
• Appointments and consultations;
• Important notices and legal disclosures; and
• Responses to your inquiries.

You may opt out of certain promotional communications as described in Section 10. Opting out of marketing does not prevent service-related or legally required communications.

3.3 Marketing and Referrals

Subject to applicable law and your choices, we may use information to:

• Send information about insurance products, services, educational materials, and coverage reviews;
• Inform you about bundling opportunities and potential savings;
• Conduct customer or prospective-customer outreach;
• Measure the effectiveness of marketing campaigns;
• Develop and improve products and services; and
• Support referrals and co-marketing activities.

We will not use sensitive information for marketing purposes in a manner prohibited by applicable law.

3.4 Business, Security, and Compliance Purposes

We may use information to:

• Maintain and improve our website, systems, and services;
• Authenticate users and secure accounts;
• Detect, prevent, investigate, and respond to fraud, misuse, unauthorized activity, and security incidents;
• Maintain records and conduct audits;
• Perform analytics and quality assurance;
• Comply with legal, regulatory, contractual, and insurance-industry requirements;
• Respond to subpoenas, court orders, governmental requests, and lawful process;
• Protect the rights, safety, property, and security of the Agency, our customers, carriers, vendors, and others; and
• Establish, exercise, or defend legal claims.

4. Legal Bases, Consent, and Insurance Privacy Requirements

Depending on the information and activity involved, our collection and use of personal information may be based on:

• Performing a contract or taking steps at your request before entering into a contract;
• Providing insurance quotes, applications, underwriting, policy services, billing, claims support, or other requested services;
• Complying with legal, regulatory, insurance, accounting, or reporting obligations;
• Protecting against fraud, unauthorized activity, and security risks;
• Our legitimate business interests, balanced against applicable privacy rights;
• Your consent, where consent is required or requested; and
• Other legal bases recognized by applicable law.

Some information used for insurance purposes may be considered nonpublic personal information under the Gramm-Leach-Bliley Act, applicable state laws, and insurance privacy laws. We handle nonpublic personal information in accordance with applicable requirements, including restrictions on disclosure and required privacy notices.

This website Privacy Policy does not replace a separate initial or annual GLBA privacy notice that may be required for customers. Any GLBA notice provided by the Agency or an applicable Farmers Insurance company may contain additional or different disclosures about information-sharing practices and opt-out rights.

If we request sensitive information, we will collect and use it only as permitted by law and as reasonably necessary for insurance, servicing, fraud prevention, legal, or other disclosed purposes.

5. How We Share and Disclose Information

We may disclose personal information to the following categories of recipients, subject to applicable law and contractual, regulatory, or privacy restrictions.

5.1 Farmers Insurance Entities and Insurance Carriers

We may disclose information to:

• Applicable Farmers Insurance companies and affiliated entities;
• Insurance carriers and underwriters;
• Managing general agents and program administrators;
• Reinsurers and retrocessionaires;
• Claims administrators and third-party administrators;
• Policy and billing service providers; and
• Other insurance entities involved in quoting, underwriting, issuing, servicing, or administering coverage.

The specific Farmers Insurance entity or carrier receiving information depends on the insurance product and transaction.

5.2 Agents, Producers, and Representatives

We may share information with:

• Other insurance agents and producers;
• Brokers and intermediaries;
• Agency staff and contractors;
• Authorized representatives;
• Attorneys, accountants, and professional advisers; and
• Individuals you authorize to act on your behalf.

5.3 Service Providers and Vendors

We may disclose information to vendors that provide services for us, such as:

• Website hosting and maintenance;
• Customer relationship management;
• Quote and application processing;
• Document management;
• Cloud storage;
• Email, telephone, text-message, and communications services;
• Payment processing;
• Customer support;
• Information technology and cybersecurity;
• Data analytics;
• Quality assurance;
• Printing, mailing, and records management;
• Identity verification and fraud prevention; and
• Legal, accounting, and professional services.

These providers may access information only as necessary to perform contracted services or as otherwise permitted by law.

5.4 Marketing and Analytics Partners

If applicable, we may disclose limited website usage information or contact information to marketing and analytics providers for campaign management, measurement, audience analysis, or advertising. Whether any disclosure constitutes “selling” or “sharing” under a particular state law depends on the information, vendor, purpose, and applicable law.

5.5 Reporting and Scoring Agencies

For underwriting, eligibility, risk evaluation, fraud prevention, or policy administration, we may disclose or obtain information from:

• Consumer reporting agencies;
• Insurance-score providers;
• Motor-vehicle record providers;
• Claims-history databases;
• Property-information providers;
• Identity-verification services; and
• Other reporting or data providers permitted by law.

Additional notices or rights may apply under the Fair Credit Reporting Act, state insurance laws, or other applicable requirements.

5.6 Legal, Regulatory, and Governmental Disclosures

We may disclose information to:

• Courts, regulators, insurance departments, and governmental agencies;
• Law-enforcement authorities;
• Tax authorities;
• Government-sponsored or industry oversight organizations;
• Parties responding to subpoenas, warrants, court orders, or other legal process; and
• Other parties when disclosure is required or permitted by law.

5.7 Business Transfers

If the Agency or any portion of its business is sold, merged, reorganized, financed, acquired, or transferred, personal information may be disclosed as part of that transaction. Any successor or transferee will be expected to handle personal information consistently with applicable law and any required notices.

5.8 Aggregated and De-Identified Information

We may use and disclose information that has been aggregated or de-identified so that it cannot reasonably identify an individual, subject to applicable law. We will not attempt to re-identify de-identified information except as permitted by law.

6. Sale, Sharing, and Targeted Advertising

We do not sell personal information for money in the ordinary operation of the Agency.

Where applicable law treats certain targeted advertising, analytics, or marketing disclosures as a sale or sharing of personal information, eligible consumers may have the right to opt out. You may submit a request using the contact information in Section 10. We will process and honor valid opt-out requests as required by applicable law.

Insurance-related information and nonpublic personal information may be subject to exemptions, restrictions, or separate requirements under federal and state insurance privacy laws. We will not disclose information in a manner prohibited by those laws.

7. Cookies and Tracking Technologies

We and our service providers may use cookies, pixels, tags, scripts, software development kits, web beacons, local storage, and similar technologies.

7.1 Types of Technologies

These technologies may be used for:

• Essential website functions;
• Security and fraud prevention;
• Remembering preferences;
• Website performance and diagnostics;
• Analytics and usage measurement;
• Advertising and campaign measurement; and
• Personalizing or measuring online content.

7.2 Cookie Choices

You may be able to control cookies through:

• Your browser settings;
• Device settings;
• Cookie-consent tools displayed on the website;
• Privacy settings provided by advertising or analytics platforms; and
• Opt-out mechanisms required by applicable law.

Disabling certain cookies may affect website functionality. Browser-based cookie controls may not automatically control all other tracking technologies.

8. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes described in this Policy, including to:

• Provide quotes and services;
• Administer policies and claims;
• Maintain required insurance, business, tax, and accounting records;
• Comply with legal, regulatory, contractual, and reporting obligations;
• Resolve disputes and enforce agreements;
• Prevent fraud and protect security; and
• Establish, exercise, or defend legal claims.

Retention periods depend on the nature and sensitivity of the information, the purpose for which it was collected, whether you maintain a policy or account, applicable insurance requirements, litigation holds, and other legal obligations.

• Quote requests and leads: approximately 5 years;
• Applications and underwriting records: approximately 5 years;
• Policy and customer-service records: approximately 5 years;
• Claims-related records: as required by the applicable carrier;
• Billing and payment records: approximately 5 years;
• Telephone, chat, or video recordings: approximately 5 years, where applicable;
• Marketing preferences and suppression records: approximately 5 years;
• Website logs and analytics data: approximately 5 years; and
• Legal, regulatory, and audit records: approximately 5 years, or longer where required by law.

Most documentation is retained for approximately 5 years and stored in the agency's customer relationship management (CRM) system. Records may be kept longer where required by law or by an applicable carrier.

When information is no longer required, we may securely delete, destroy, anonymize, or de-identify it, subject to backups, legal holds, and technical limitations.

9. Data Security

We maintain administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, acquisition, use, alteration, disclosure, or destruction.

Depending on the information and systems involved, safeguards may include:

• Access controls and authentication;
• Role-based permissions;
• Employee training and confidentiality obligations;
• Vendor due diligence and contractual controls;
• Encryption or other protective measures where appropriate;
• Network, endpoint, and application security;
• Logging, monitoring, and incident-response procedures;
• Secure backup and recovery practices;
• Physical safeguards for facilities and records; and
• Secure disposal procedures.

No method of transmission, storage, or security control can guarantee absolute security. We therefore cannot promise that personal information will always be completely secure. If we become aware of a security incident requiring notice, we will provide notice as required by applicable law.

10. Your Rights and Choices

Depending on your state of residence, the type of information involved, your relationship with us, and applicable exemptions, you may have some or all of the rights described below.

Because the Agency is licensed in Missouri, Kansas, and Arkansas, our customers and prospects are generally individuals located in Missouri, Kansas, or Arkansas; however, this Policy also describes certain rights that may apply to other individuals depending on applicable law.

10.1 Access or Know

You may request information about:

• Whether we process your personal information;
• The categories of personal information collected;
• The sources of personal information;
• The purposes for collecting or using personal information;
• The categories of recipients to whom information is disclosed;
• The specific personal information we maintain, where required by law; and
• Information about sales, sharing, targeted advertising, or profiling, where applicable.

10.2 Correction

You may request correction of inaccurate or incomplete personal information, subject to applicable exceptions and verification requirements.

For insurance records, corrections may need to be made through the applicable carrier, underwriter, reporting agency, or policy-servicing process.

10.3 Deletion

You may request deletion of personal information, subject to legal and business exceptions. We may retain information necessary to:

• Complete a transaction or provide requested services;
• Maintain or service an insurance policy;
• Process claims or comply with insurance requirements;
• Detect or prevent fraud, security incidents, or illegal activity;
• Comply with legal, regulatory, tax, accounting, or reporting obligations;
• Exercise or defend legal claims;
• Preserve records required by law; or
• Use information internally in a manner permitted by applicable law.

10.4 Portability

Where required by applicable law, you may request a portable copy of certain personal information processed by automated means.

10.5 Marketing Opt-Out

You may opt out of promotional emails by using the unsubscribe link in the message or by contacting us. You may opt out of promotional telephone calls or text messages by informing the Agency or using the instructions provided in the communication.

Marketing opt-outs do not prevent service-related, transactional, security, legal, or other non-promotional communications.

10.6 Opt-Out of Sale, Sharing, or Targeted Advertising

Where applicable, you may request that we stop selling or sharing personal information or using it for targeted advertising. You may submit a request using the contact information below.

10.7 Limiting Certain Uses of Sensitive Personal Information

Where applicable law provides a right to limit the use or disclosure of sensitive personal information, you may submit a request using the contact information below.

This right may not apply where information is used for purposes permitted without limitation under applicable law, including insurance, underwriting, servicing, fraud prevention, legal compliance, or other permitted purposes.

10.8 Non-Discrimination

We will not unlawfully discriminate against you for exercising a privacy right. Subject to applicable law, we may nevertheless provide different services, prices, coverage terms, or eligibility decisions when the difference is reasonably related to underwriting, risk, policy terms, fraud prevention, legal requirements, or the value of information to the business.

10.9 How to Submit a Request

To submit a privacy request, contact us at:

• Mail: Farmers Insurance - John Allen Agency (John Allen, Owner/Agent), 303 N. Stadium Blvd, Suite #241, Columbia, MO 65203
• Telephone: (573) 289-3136
• Email: gofarmers40@gmail.com

Please identify the right you are seeking to exercise and provide enough information for us to evaluate and respond to your request.

We may need to verify your identity before completing a request. Verification may require matching information we reasonably maintain about you. We will not require you to create an account solely to submit a privacy request unless permitted by applicable law.

You may use an authorized agent where permitted by law. We may require proof of the agent’s authorization and may verify your identity directly.

We will respond within the time required by applicable law. If we deny a request, we will explain the reason to the extent required and provide any available appeal process.

11. State-Specific Privacy Rights

11.1 California

If you are a California resident and the Agency is subject to the California Consumer Privacy Act, as amended by the California Privacy Rights Act, you may have rights to:

• Know and access categories and specific pieces of personal information;
• Delete personal information, subject to exceptions;
• Correct inaccurate personal information;
• Opt out of the sale or sharing of personal information;
• Opt out of targeted advertising, where applicable;
• Limit certain uses or disclosures of sensitive personal information;
• Receive information about categories of personal information collected, sources, purposes, and recipients;
• Use an authorized agent;
• Receive equal treatment for exercising privacy rights; and
• Exercise rights through recognized opt-out preference signals, including Global Privacy Control, where applicable.

California law contains exemptions and limitations for information regulated under the GLBA, the California Financial Information Privacy Act, insurance laws, the Insurance Information and Privacy Protection Act, and other applicable laws. The availability of a right may depend on the Agency’s size, activities, relationship with the individual, the type of information involved, and applicable statutory exemptions.

California residents may submit requests through the methods in Section 10.

11.2 Colorado

If you are a Colorado resident and the Colorado Privacy Act applies, you may have rights to:

• Access personal data;
• Correct inaccuracies;
• Delete personal data;
• Obtain data portability;
• Opt out of the sale of personal data;
• Opt out of targeted advertising; and
• Opt out of certain profiling that produces legal or similarly significant effects.

Colorado residents may also have rights concerning universal opt-out mechanisms, including Global Privacy Control, where required. Colorado law includes thresholds, exemptions, and exceptions, including potential exemptions for information regulated by federal or state insurance and financial privacy laws.

11.3 Virginia

If you are a Virginia resident and the Virginia Consumer Data Protection Act applies, you may have rights to:

• Confirm whether personal data is being processed;
• Access personal data;
• Correct inaccuracies;
• Delete personal data;
• Obtain a portable copy of personal data; and
• Opt out of targeted advertising, the sale of personal data, or certain profiling.

Virginia law includes thresholds and exemptions, including exemptions that may apply to financial institutions, data subject to the GLBA, and regulated insurance activities. Virginia residents may appeal a denied request using the process provided by the Agency.

11.4 Connecticut

If you are a Connecticut resident and the Connecticut Data Privacy Act applies, you may have rights to:

• Access personal data;
• Correct inaccuracies;
• Delete personal data;
• Obtain data portability;
• Opt out of targeted advertising;
• Opt out of the sale of personal data;
• Opt out of certain profiling; and
• Exercise applicable rights concerning sensitive data and recognized opt-out preference signals.

Connecticut law includes thresholds, exemptions, and exceptions, including potential exemptions for financial, insurance, and other regulated information. Connecticut residents may appeal a denied request using the process provided by the Agency.

11.5 Utah

If you are a Utah resident and the Utah Consumer Privacy Act applies, you may have rights to:

• Confirm whether personal data is being processed;
• Access personal data;
• Delete personal data that you provided;
• Obtain a portable copy of certain personal data; and
• Opt out of the sale of personal data or targeted advertising.

Utah law includes thresholds and exemptions, including potential exemptions for financial institutions and information governed by the GLBA, the Fair Credit Reporting Act, or other federal and state laws.

11.6 Other States

Other states may provide privacy rights, including rights to access, correct, delete, obtain a portable copy, opt out of sales or targeted advertising, limit certain processing, or appeal a denial. The availability and scope of these rights vary by state and may be subject to thresholds, insurance exemptions, GLBA exemptions, consumer-reporting laws, and other exceptions.

We will honor applicable rights in accordance with the law of the state in which the individual resides.

11.7 Missouri

The Agency is located in Missouri and may be subject to Missouri laws governing privacy, nonpublic personal information, consumer protection, insurance practices, security, and data-breach notification.

Missouri law includes protections concerning nonpublic personal information that are consistent with or related to the Gramm-Leach-Bliley Act, including Missouri Revised Statutes Section 362.422 where applicable. Missouri’s data-breach notification requirements may apply if personal information is acquired or accessed without authorization and the statutory conditions are met.

Missouri consumers may also have rights and remedies under applicable consumer-protection laws. Nothing in this Policy limits rights that cannot lawfully be waived.

12. Do Not Track and Global Privacy Control

Some browsers and devices offer “Do Not Track” settings. Because there is not a uniform industry standard for responding to Do Not Track signals, our website may not respond to all such signals.

Where required by applicable law, we will recognize and process valid Global Privacy Control or other recognized universal opt-out preference signals for the purposes covered by those signals. The effect of a signal may depend on the browser, device, account, and applicable law.

13. Children’s Privacy

Our website and services are intended for adults and are not directed to children under 13. We do not knowingly collect personal information directly from children under 13 without legally required parental consent.

Where applicable law protects individuals under 16, we do not knowingly sell or share personal information of individuals under 16 in a manner prohibited by law and will apply required consent or opt-out requirements.

Insurance-related information about a child may be provided by a parent, guardian, policyholder, or other authorized adult when necessary to request or administer insurance. If you believe a child has provided personal information directly to us improperly, please contact us so that we can evaluate and take appropriate action.

14. Third-Party Websites and Services

Our website may contain links to third-party websites, applications, social-media pages, carrier websites, payment portals, or other services. These third parties may have their own privacy policies and information practices.

We are not responsible for the privacy, security, content, or practices of third-party websites or services. You should review the privacy policies and terms applicable to any third-party service before submitting information.

15. Telephone, Text Message, and Electronic Communications

If you provide a telephone number or email address, you authorize us to contact you regarding your inquiry, quote, application, policy, account, claim, appointment, or other requested service, subject to applicable law.

Promotional communications may require consent or may be subject to separate opt-out rights. Message and data rates may apply to text messages. You may opt out of marketing text messages by replying with the applicable opt-out instruction, such as “STOP,” where supported, or by contacting us.

16. Financial Services and Other Disclosures

The Agency may provide information about financial products or services offered through Farmers Financial Solutions, LLC or another entity. Separate privacy notices, disclosures, terms, and regulatory requirements may apply to those products and services.

Insurance products, financial products, securities, and related services may be offered by different legal entities. The applicable entity’s privacy notice will govern information collected and processed by that entity.

17. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, services, legal requirements, or regulatory guidance.

When we make material changes, we may post the revised Policy on the website, update the “Last Updated” date, provide additional notice, or take other steps required by law. The revised Policy will apply to information collected after its effective date and to previously collected information to the extent permitted by law.

We encourage you to review this Policy periodically.

18. Contact Us

Privacy questions, requests, and concerns should be directed to the Agency.

Farmers Insurance - John Allen Agency (John Allen, Owner/Agent)
Location / Service Area: Columbia, Missouri (licensed in Missouri, Kansas, and Arkansas)
Attention: Privacy Inquiry
Mailing Address: 303 N. Stadium Blvd, Suite #241, Columbia, MO 65203
Telephone: (573) 289-3136
Email: gofarmers40@gmail.com
Website: https://john-allen-insurance-agency.marblism.me

Please include “Privacy Inquiry” in the subject line or on the envelope. Do not send Social Security numbers, complete financial-account numbers, driver’s-license numbers, medical information, or other highly sensitive information by unencrypted email unless specifically instructed through a secure process.