Terms & Conditions — John Allen Farmers Insurance Website

1. About These Terms

These Terms & Conditions, or “Terms,” govern your access to and use of the John Allen Farmers Insurance website located at https://john-allen-insurance-agency.marblism.me and any related webpages, forms, features, content, quote-request tools, and services made available through the website, collectively referred to as the “Website.”

The Website is operated by Farmers Insurance - John Allen Agency (John Allen, Owner/Agent), doing business as John Allen Farmers Insurance and represented by John Frederick Allen, a Farmers Insurance agent, with an office in Columbia, Missouri (licensed in Missouri, Kansas, and Arkansas). The Agency’s contact information is:

• Mailing address: 303 N. Stadium Blvd, Suite #241, Columbia, MO 65203
• Office address: 303 N. Stadium Blvd, Suite #241, Columbia, MO 65203
• Telephone: (573) 289-3136
• Email: gofarmers40@gmail.com

In these Terms, “Agency,” “we,” “us,” and “our” refer to Farmers Insurance - John Allen Agency (John Allen, Owner/Agent) and John Allen Farmers Insurance. “You” and “your” refer to any person who accesses or uses the Website.

By accessing or using the Website, submitting information through the Website, or clicking an online button or checkbox indicating acceptance, you agree to be bound by these Terms and our Privacy Policy available at /privacy-policy. If you do not agree to these Terms, do not use the Website.

2. Changes to These Terms

We may modify these Terms from time to time. Changes will become effective when posted on the Website, unless a later effective date is stated. Your continued use of the Website after updated Terms are posted constitutes your acceptance of the revised Terms.

You should review these Terms periodically. The “Last Updated” date above identifies when these Terms were most recently revised.

3. Website Content and Services

The Website is intended to provide general information about insurance products, services, and resources offered or discussed by the Agency. The Website may include information concerning:

• Auto insurance;
• Homeowners insurance;
• Renters insurance;
• Condo insurance;
• Business insurance;
• Motorcycle insurance;
• Recreational vehicle and recreational insurance;
• Umbrella insurance;
• Life insurance; and
• Other insurance or financial products and services that may be available through the Agency or applicable Farmers entities.

The Website may also provide:

• General educational and informational content;
• Requests for insurance quotes;
• Requests for a Farmers Coverage Review;
• Contact forms;
• Appointment or consultation requests;
• Information about bundling or potential discounts;
• Links to insurer websites, quote engines, customer portals, or other third-party tools; and
• Other features that we may add, change, or discontinue.

The Website and its content are provided for general informational purposes only. Website content is not a substitute for individualized advice, a formal insurance application, a policy, a policy declaration, a binder, or advice from a licensed insurance professional.

The availability of products, coverages, limits, deductibles, discounts, pricing, underwriting, eligibility requirements, and services varies by state, insurer, product, and individual circumstances. Not every product or coverage described on the Website is available to every person or in every location.

4. No Insurance Coverage Is Created

IMPORTANT: Using the Website, requesting a quote, submitting a form, communicating with the Agency electronically, or receiving an estimated premium does not create or bind insurance coverage.

Information displayed on the Website, including coverage descriptions, examples, premiums, discounts, estimates, and quote results, is not an offer to insure and does not constitute a binding insurance contract.

Insurance coverage is not effective unless and until:

1. A complete application has been submitted;
2. The applicable insurer has accepted the application;
3. Any required payment or other underwriting requirements have been satisfied; and
4. The applicable insurer has issued a policy, binder, or other written confirmation of coverage specifying the effective date.

A quote request or application submission may be subject to verification, underwriting review, inspection, credit-based insurance scoring where permitted, motor vehicle or claims-history review, identity verification, payment requirements, and other conditions.

No employee, agent, contractor, website feature, automated tool, email, text message, or other communication may change the terms of an issued policy unless authorized in writing by the applicable insurer.

If any Website content, quote, estimate, email, text message, application, or other communication conflicts with an issued insurance policy, endorsement, binder, declaration page, or other insurer-issued document, the applicable policy or insurer-issued document controls.

5. Farmers Coverage Review

The Farmers Coverage Review is an educational consultation intended to help identify potential coverage gaps, overlaps, or changes in insurance needs. A Coverage Review may consider major life events, changes in property or vehicles, household changes, business developments, and other information you provide.

A Coverage Review:

• Is not a guarantee of coverage or savings;
• Is not a promise that a claim will be covered;
• Does not replace the terms of an insurance policy;
• Does not require the Agency or an insurer to offer, renew, modify, or issue coverage; and
• May result in recommendations that are subject to availability, eligibility, underwriting, policy terms, and applicable law.

You remain responsible for reviewing your policies and informing the Agency or applicable insurer of material changes that may affect your coverage.

6. Information You Provide

When you use a quote form, contact form, Coverage Review form, appointment tool, or other Website feature, you agree to provide information that is accurate, current, and complete to the best of your knowledge.

You agree not to:

• Provide false, misleading, incomplete, or fraudulent information;
• Impersonate another person or misrepresent your identity or relationship to another person;
• Submit information that you are not authorized to provide;
• Omit information requested in an application or quote form;
• Use another person’s personal information without authorization; or
• Fail to update information when it changes or when an insurer requests updated information.

You understand that inaccurate, incomplete, or misleading information may result in an inaccurate quote, a delay, denial of coverage, cancellation, rescission, nonrenewal, claim consequences, or other action permitted by law or the applicable policy.

Submitting a form does not guarantee that the Agency will respond, provide a quote, schedule a consultation, or offer insurance.

7. Eligibility and Geographic Scope

The Website is intended primarily for residents and businesses located in Missouri, Kansas, and Arkansas, and for persons located in the United States who are seeking information about insurance products or services available through the Agency.

You may use the Website only if:

• You are at least 18 years old or otherwise have legal capacity to enter into an agreement under applicable law; and
• You are using the Website for a lawful purpose.

The Website is not intended to provide insurance services outside the jurisdictions in which the Agency and applicable insurers are properly licensed or authorized. Product availability and eligibility may differ by state.

If you access the Website from outside the United States, you do so at your own initiative and are responsible for complying with applicable local laws.

8. Acceptable Use

You may use the Website only for personal, household, or legitimate business purposes related to learning about insurance, contacting the Agency, requesting information, or seeking insurance services.

You must not:

• Use the Website for an unlawful, fraudulent, abusive, or deceptive purpose;
• Submit false, misleading, or unauthorized information;
• Attempt to gain unauthorized access to the Website, its servers, systems, accounts, databases, or networks;
• Interfere with or disrupt the Website or any related system;
• Introduce malware, viruses, malicious code, or other harmful material;
• Probe, scan, test, or circumvent the security or authentication measures of the Website;
• Scrape, crawl, harvest, copy, monitor, or systematically collect Website content or data without our prior written permission;
• Use bots, spiders, automated scripts, data-mining tools, or similar technology except as permitted by applicable law and our written authorization;
• Reverse engineer, decompile, disassemble, or attempt to derive source code from any Website software or tool, except to the extent such restriction is prohibited by law;
• Frame, mirror, reproduce, or create a derivative website based on the Website without our prior written permission;
• Use the Website to transmit spam, unsolicited commercial messages, or harmful communications;
• Use the Website to infringe another person’s privacy, intellectual property, or other rights;
• Use the Website to collect, process, or disclose another person’s personal information without authorization;
• Use the Website to compare, benchmark, or develop a competing service in a manner that violates applicable law or these Terms; or
• Bypass any access restrictions, usage limits, or instructions contained in the Website’s robots.txt file or other technical controls.

We may investigate suspected violations and may report unlawful conduct to law enforcement or regulatory authorities.

9. Intellectual Property

The Website and its contents, including text, articles, graphics, photographs, logos, icons, designs, layouts, videos, audio, software, forms, compilations, and other materials, are owned by or licensed to the Agency, Farmers Insurance, applicable insurers, or other rights holders. They are protected by applicable intellectual property laws.

Subject to these Terms, we grant you a limited, revocable, nonexclusive, nontransferable license to access and view the Website for your personal or internal business purposes. This license does not transfer ownership of any Website content or materials to you.

Except as expressly permitted by law or with prior written permission, you may not:

• Copy, reproduce, republish, upload, post, transmit, distribute, sell, license, or exploit Website content;
• Modify, adapt, translate, create derivative works from, or publicly display Website content;
• Remove copyright, trademark, service mark, or other proprietary notices;
• Use Website content in advertising, marketing, training data, or commercial materials; or
• Use the Agency’s or Farmers’ names, logos, marks, or trade dress in a way that suggests sponsorship, affiliation, endorsement, or authorization.

“Farmers,” “Farmers Insurance,” “Farmers Insurance Group of Companies,” related logos, and other Farmers names and marks are trademarks, service marks, or trade names of Farmers Insurance and/or its affiliates or related entities. Other names, logos, and marks appearing on the Website belong to their respective owners. Nothing in these Terms grants you any right to use those marks.

10. Third-Party Websites, Content, and Tools

The Website may contain links to or integrations with third-party websites, applications, quote engines, customer portals, payment systems, social media platforms, or other tools. These may include websites or services operated by Farmers entities, insurers, service providers, technology vendors, or other third parties.

Third-party services may be subject to separate terms, privacy notices, security procedures, eligibility requirements, and disclosures. You are responsible for reviewing those terms before using the third-party service.

We do not control and are not responsible for:

• The availability, accuracy, reliability, security, or content of third-party websites or tools;
• The privacy practices of third parties;
• The terms or conditions of third-party services;
• Any quote, rate, transaction, communication, or result provided by a third party; or
• Any loss or harm arising from your use of a third-party website or tool.

A link or integration does not necessarily constitute an endorsement, sponsorship, recommendation, or affiliation. If you access a third-party website, you do so at your own risk.

11. Electronic Communications and Documents

By submitting your contact information or using a Website form, you agree that the Agency may communicate with you electronically regarding your inquiry, quote request, Coverage Review, appointment, application, policy-related question, or other requested service.

Electronic communications may include email, telephone calls using automated or prerecorded technology where permitted, text messages, electronic notices, and links to documents or disclosures.

You agree that electronic records and communications may satisfy a legal requirement that a communication be provided in writing, when permitted by applicable law. Your consent to electronic communications does not by itself create insurance coverage or replace any policy-specific consent or application requirement.

You may withdraw consent to receive electronic communications by contacting us at (573) 289-3136. Withdrawal of consent may affect our ability to provide certain services electronically, and we may continue to send communications through other lawful means.

Separate consent may be required for electronic delivery of particular insurance documents, notices, disclosures, or legally required communications. Where required, the applicable insurer’s electronic-delivery consent and withdrawal procedures control.

You are responsible for keeping your email address, telephone number, mailing address, and other contact information current.

12. Email and Text Messaging

This section applies only if the Agency operates an email or SMS/text messaging program.

12.1 SMS/Text Messaging Program (10DLC Disclosures)

If you separately opt in to receive SMS/text messages, you consent to receive text messages from or on behalf of Farmers Insurance - John Allen Agency (John Allen, Owner/Agent) (the “Agency”) at the mobile number you provide.

Program description. The Agency’s SMS/text messaging program is used to communicate with you about your insurance inquiry and your requested services and may include both informational/service and marketing messages.

Types of messages sent. Message types may include, without limitation:

• Quote follow-ups;
• Appointment reminders;
• Farmers Coverage Review messages; and
• Policy service updates.

Message frequency. Message frequency varies.

Message and data rates. Message and data rates may apply.

Opt-out instructions. You may opt out at any time by replying STOP. You may receive one additional message confirming your opt-out.

Help instructions / contact. For help, reply HELP or contact us by telephone at (573) 289-3136.

Consent not required. Consent to receive marketing text messages is not a condition of purchasing any goods or services.

You represent that you are the account holder or authorized user of the mobile number provided and that you will not enroll a number without the required authorization.

Text messaging may not be available on all carriers or in all areas. Wireless carriers are not liable for delayed or undelivered messages. We may change or discontinue a messaging program at any time, subject to applicable law.

12.2 Email Communications

Email marketing communications will include an unsubscribe or opt-out method where required by law. Opting out of marketing communications will not prevent us from sending nonmarketing service, transactional, policy, legal, or administrative communications that we are permitted or required to send.

13. Privacy

Our collection, use, disclosure, retention, and protection of personal information are described in the Privacy Policy available at /privacy-policy.

The Privacy Policy is incorporated into these Terms by reference. If there is a conflict between these Terms and the Privacy Policy concerning the handling of personal information, the Privacy Policy controls for that subject.

Information submitted through the Website may be transmitted to the Agency, Farmers entities, applicable insurers, service providers, technology vendors, or other parties as necessary to provide requested services, process inquiries, evaluate applications, administer policies, comply with law, prevent fraud, or perform other permitted business purposes.

Do not submit sensitive personal information through an unsecured form or email unless specifically requested through an authorized and secure process. If you believe you have submitted information to the wrong recipient or suspect unauthorized access, contact us promptly by telephone at (573) 289-3136.

14. Disclaimers of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE AND ALL CONTENT, INFORMATION, FEATURES, TOOLS, FORMS, LINKS, AND SERVICES MADE AVAILABLE THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS” BASIS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE AGENCY DISCLAIMS ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, AVAILABILITY, SECURITY, AND QUIET ENJOYMENT.

WE DO NOT WARRANT THAT:

• The Website will be uninterrupted, timely, secure, or error-free;
• The Website will be available at any particular time or location;
• Website content will be complete, current, accurate, or suitable for your circumstances;
• Any error or defect will be corrected;
• The Website will be free of viruses or other harmful components;
• A quote, rate, discount, application, appointment, or coverage request will be accepted or processed; or
• Any insurance product, coverage, price, discount, or service will be available to you.

Nothing in these Terms excludes or limits any warranty, right, or remedy that cannot lawfully be excluded or limited.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE AGENCY AND ITS OWNERS, OFFICERS, EMPLOYEES, AGENTS, REPRESENTATIVES, CONTRACTORS, SERVICE PROVIDERS, LICENSORS, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, GOODWILL, DATA, OR USE, ARISING OUT OF OR RELATED TO:

• Your access to or use of, or inability to access or use, the Website;
• Any Website content, quote, estimate, communication, form, tool, or submission;
• Any interruption, delay, error, omission, defect, security incident, or unauthorized access;
• Any third-party website, product, service, content, or tool;
• Any action taken or not taken in reliance on Website information; or
• Any other matter relating to the Website or these Terms.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF THE AGENCY AND THE PERSONS IDENTIFIED ABOVE FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE WEBSITE OR THESE TERMS WILL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID, IF ANY, TO USE THE WEBSITE DURING THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED U.S. DOLLARS ($100).

These limitations apply regardless of the legal theory asserted and even if we were advised of the possibility of the damages. They do not apply to liability that cannot lawfully be limited or excluded, including liability for fraud, willful misconduct, or other liability that applicable law prohibits from being limited.

These Terms do not limit or modify rights or obligations under an issued insurance policy. Claims concerning insurance coverage, benefits, exclusions, duties, or policy interpretation are governed by the applicable policy and applicable law.

16. Indemnification

To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless the Agency and its owners, officers, employees, agents, representatives, contractors, service providers, licensors, affiliates, and Farmers-related entities, as applicable, from and against claims, demands, actions, liabilities, damages, judgments, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to:

• Your use of or access to the Website;
• Your breach of these Terms;
• Your violation of applicable law or the rights of another person;
• Information or content you submit through the Website;
• Your unauthorized use of another person’s information; or
• Your use of a third-party website, tool, or service accessed through the Website.

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification. You agree to cooperate with our defense of such claims. No settlement that imposes an obligation on us or admits fault on our behalf may be entered without our prior written consent.

17. Availability and Termination

We may modify, suspend, restrict, or discontinue the Website or any portion of it at any time, with or without notice. We are not responsible for any resulting loss or inconvenience.

We may suspend or terminate your access to the Website if we believe you have violated these Terms, applicable law, or the rights of another person, or if suspension or termination is necessary to protect the Website, our users, or our business.

Upon termination, your right to use the Website will immediately end. Provisions that by their nature should survive termination will survive, including provisions concerning intellectual property, disclaimers, limitations of liability, indemnification, governing law, dispute resolution, and general terms.

18. Governing Law and Venue

These Terms and any dispute arising out of or relating to the Website or these Terms will be governed by the laws of the State of Missouri, without regard to conflict-of-law principles.

Subject to the dispute-resolution provisions below and any rights that cannot lawfully be waived, any court proceeding relating to the Website or these Terms must be brought in a state or federal court located in or serving Boone County, Missouri, and you consent to that court’s personal jurisdiction and venue.

Nothing in this section limits any mandatory rights, remedies, administrative processes, or venue protections available under applicable insurance, consumer-protection, federal, or state law.

19. Dispute Resolution

Before filing a legal claim, you and the Agency agree to attempt in good faith to resolve the dispute informally. You must send written notice describing the dispute to:

Farmers Insurance - John Allen Agency (John Allen, Owner/Agent)
Attention: John Frederick Allen
Mailing address: 303 N. Stadium Blvd, Suite #241, Columbia, MO 65203
Email: gofarmers40@gmail.com

The Agency will have at least 30 days after receiving the notice to respond or attempt to resolve the dispute.

Unless and until such provisions are separately approved and included, nothing in these Terms requires arbitration or waives a right to bring a claim in court.

Disputes concerning an issued insurance policy, claim, coverage, premium, cancellation, nonrenewal, or underwriting decision may be subject to the policy’s terms and conditions and to applicable insurer complaint, appraisal, arbitration, mediation, or regulatory procedures.

20. Severability

If any provision of these Terms is held to be invalid, unlawful, or unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will remain in full force and effect.

21. Assignment

You may not assign, transfer, delegate, or sublicense your rights or obligations under these Terms without our prior written consent. We may assign or transfer these Terms, or any rights or obligations under them, in connection with a merger, reorganization, sale of assets, change in ownership, or operation of the Website.

22. No Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or our right to enforce it later. A waiver must be in writing and signed by an authorized representative of the Agency.

23. Entire Agreement

These Terms, the Privacy Policy, and any other terms or notices expressly incorporated by reference constitute the entire agreement between you and the Agency concerning your use of the Website and supersede prior or contemporaneous communications concerning that subject.

Additional terms may apply to specific products, services, applications, quote engines, customer portals, promotions, or third-party services. If additional terms conflict with these Terms, the specific additional terms will control for the applicable service or transaction.

24. No Agency Relationship

Your use of the Website does not create an attorney-client relationship, fiduciary relationship, partnership, joint venture, employment relationship, or agency relationship between you and the Agency beyond any relationship expressly established in a separate written agreement or applicable insurance transaction.

Website content is not legal, tax, accounting, investment, or financial advice. The Agency does not provide legal advice through the Website.

25. Accessibility and Assistance

We seek to provide an accessible Website experience. If you need assistance accessing Website content or using a Website feature, contact us at:

• Telephone: (573) 289-3136
• Email: gofarmers40@gmail.com
• Mailing address: 303 N. Stadium Blvd, Suite #241, Columbia, MO 65203

26. Contact Us

Questions about these Terms may be directed to:

John Allen Farmers Insurance
Operated by: Farmers Insurance - John Allen Agency (John Allen, Owner/Agent)
Attn: John Frederick Allen
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

Effective Date: September 30, 2026
Last Updated: September 30, 2026