Privacy Policy

Privacy Notice

Alamance Farmers’ Mutual Insurance Company (AFM) is committed to maintaining our policyholders’ trust and your confidence is a high priority with our company. AFM collects certain public and non-public information from its policyholders and potential policyholders in the ordinary course of our business to enable us to provide a high level of service and protection. For this reason, we want our policyholders to understand how we protect your privacy and safeguard your information when we collect and use your private information. This privacy notice describes our current privacy and information practices. During our continued relationship together, AFM will advise you of our privacy and information practices at least once annually.

Information We Collect

AFM collects and utilizes personal information about you, the policyholder or potential policyholder, to evaluate applications for insurance coverage, to submit underwriting proposals to other companies, to administer claims, and for other business related to the issuance of insurance coverage and policies. The risk appraisal process involved in the business of insurance makes it important for us to collect this personal information. The type of information that we collect depends on the product or service that you are seeking from us and whether you are the proposed insured. Your information may include your name, telephone number, social security number, driver’s license number, name of your spouse, and children, if any, credit scores, mortgagee information, motor vehicle driving records, and other such information.

AFM may collect this information from you in the application or claim process. We may collect it in person, by telephone, electronically, or in writing. We may also seek information about you from third parties such as medical professionals and consumer reporting agencies. While most of this information is collected at the time of your application or claim, additional information may be required if you request changes to your policies or coverages, or some other service.

AFM will record and store this information and other personal information from your transaction with us, such as information about your insurance policies, premiums, and claims history.

Security Procedures

AFM maintains strict policies and procedures to protect your confidentiality in the information that we collect and store. We employ physical and electronic controls to protect your information from unauthorized access and anticipated threats or hazards of unwanted disclosure. AFM regularly examines the effectiveness of such controls, adds to or modifies such controls as needed, and from time to time implements new technology to further strengthen such controls. Access to this information within AFM is limited to those individuals having a legitimate business need for such information. AFM trains its personnel with respect to the laws applicable to the privacy of our policyholders and with respect to the internal controls in our company. This training is provided to each new employee of the company, and updated information and ongoing training is provided current employees. We do not sell a list of our policyholders, nor do we disclose policyholder information to marketing companies outside our company, with the exception of the companies or individuals that we may hire to provide specific services for us, which must also contractually agree to our privacy policy.

Personal Information That We May Disclose

In the course of our business, AFM may, under certain circumstances, disclose information about our policyholders or other personal information that we have collected to third parties. These disclosures are sometimes made without prior authorization by you, but always only permitted by law. These disclosures may be to reinsurers, administrators, consultants, mortgagees, regulatory or government officials, or by appropriate court orders.

AFM may work with third party companies to help us develop our products, services, computer systems, and/or marketing approaches. As permitted by law, we may share with such entities certain identifying information and non-medical information as is described in this notice. Whenever we hire other non-affiliated parties to help us in our business, we require them to maintain the privacy of your records and personal information, and to abide by all applicable privacy laws. We never authorize them to further disclose the personal and confidential information. We always require such companies and individuals to establish to our satisfaction that they have effective internal controls to maintain our high level of control over this information.

Your Personal Information Records

The information that we collect about you will be kept in our policy records. You have the right under North Carolina law to know what kind of information that we keep about you and to have access to the information and to receive a copy. The information that we collect for the evaluation of a claim, or when the possibility of lawsuit exists, will not be disclosed. If you think your file contains incorrect information, notify us in writing of the information that you believe is incorrect, your reasons for believing the error exists, and what should be corrected or amended. We will investigate these matters and either correct the information in your file, or notify you of the reasons we will not correct the information. If we correct the information, we will send the corrected information to any person or organization to which we previously disclosed the incorrect information. If we decline to correct the information, we will keep a copy of your request and any additional information that you provide to us in your personal records. If we later disclose this information, we will also include a copy of your request to correct our information and the supporting documents that you have provided.

This privacy policy is being provided to you in accordance with the laws of the State of North Carolina. If you have a question regarding this privacy policy, you may inquire at our office located at 128 W. Harden St., Graham, NC

All data, images, or files supplied by our users while using our services are protected from unauthorized use. Access to the content is limited and secured using industry-standard encryption techniques. Data, images or files provided or uploaded by our users are stored on secure servers, are not shared and can be deleted by the user at any time.

Effective Date: January 1, 2020

 

This document provides terms of service of use of alamancefarmers.com (the “Site”), the Alamance Farmers Mutual Insurance Company mobile application (the “App”) and the web-based insurance management systems (collectively the “insurance policy management App”). This agreement and documentation provide additional information about Alamance Farmers Mutual Insurance Company (“AFM”). The is a contract between “you” and “AFM.” Please read these terms of service carefully before using the “Insurance Policy Management App” because your use is expressly conditioned on your acceptance of these terms of service, along with any additional terms or conditions that may be within the AFM Site itself (collectively “Agreement”). This Agreement is in addition to any other agreements or policies between you and AFM. This Agreement WILL NOT alter the terms of your policy coverage. In the event of a conflict between the terms of this Agreement and a term in your policy agreement, the policy agreement controls. If you require a duplicate copy of your policy, please contact your insurance agent. You may also download it from this “App.” This “App” and this agreement is only intended for use by a named insured in a current policy of insurance with “AFM.” The use of this App by any other person or entity is not lawful.


Definitions

 

The terms “us”, “we”, and “our” refer to Alamance Farmers Mutual Insurance Company, the owner of the “App” and the insurance Policy Management system. The terms “User”, “you”, and “your”, as applicable refer to all individuals who accesses the “App” or the “Insurance Policy Management App.”

All text, information, graphics, design, and data offered through the “Insurance Policy Management App”, is collectively known as our “Content”.

Privacy Notice

Our Privacy Notice is considered part of this Agreement and available on our Site. You must review our Privacy Notice by clicking on this link  https://www.alamancefarmers.net/privacy-policy/.     If you do not accept and agree to being bound by all the terms of this Agreement, including our Privacy Notice, do not use the “App.”

 

Arbitration

Any controversy or claim arising from or relating to this Agreement and/or use of the Insurance Policy Management App, excluding legal action taken by us to collect or recover damages for – or obtain any injunction relating to – website operations, intellectual property, and our services, will be settled solely by binding arbitration in accordance with the Rules contained in North Carolina General Statute Section 1-569.1 et seq, known as the Revised Uniform Arbitration Act. Any such controversy or claim will be arbitrated on an individual basis and will not be consolidated in any arbitration with any claim or controversy of any other party.

 

The arbitration will be conducted in the City of Greensboro or Guilford County, North Carolina and judgment on the arbitration award may be entered in any court having jurisdiction over the parties to the arbitration. You or we may seek any interim or preliminary relief from a state court of competent jurisdiction in North Carolina, if that relief is necessary to protect our or your rights or property pending the completion of arbitration. Each party will bear half the arbitration fees and costs.

 

Choice of Law and Jurisdiction

This Agreement will be treated as if it were executed and performed in Graham, North Carolina and will be governed by and construed in accordance with the laws of the state of North Carolina without regard to conflict of law provisions. In addition, you agree to submit to the personal jurisdiction and venue of such courts. Any controversy or allegation by you with respect to the Alamance Farmers Mutual Insurance Company must be instituted within one (1) year after the cause of action arose or be forever waived and barred.

 


Legal Age


The insurance products sold by AFM are intended solely for Users who are at least (18) years of age or older. Any registration by, use of, or access to the “Insurance Policy Management App”  by anyone under that age is unauthorized, unlicensed, and in violation of these Terms of Service. By using the “App” you represent and warrant that you are (18) years of age or older, are a named insured in a current policy of insurance and agree to abide by all the terms of service of this Agreement.

 

Harassment by Other Users

If you believe that any User of the “Insurance Policy Management App” is harassing you or is otherwise using personal information about you for unlawful purposes, we encourage you to first inform local law enforcement authorities and then to contact us.


Limited License

AFM grants you a nonexclusive, nontransferable, revocable license to access and use the “App” strictly in accordance with this Agreement. Your use of the AFM site is solely for internal, personal, noncommercial purposes unless otherwise provided in this Agreement or your policy of insurance.

Mobile Devices

By accessing and using the “Insurance Policy Management App” by or through your mobile telephone, personal media player, slate computer, tablet computer or other mobile device (collectively “Mobile Device”), you acknowledge and agree that you may receive certain communications from AFM (such as text messages and pictures, e-mails, or other electronic communications means, collectively “Mobile Communications”).  By accessing and using the Application via your Mobile Device, you may incur fees from your mobile data provider or carrier, and you are solely responsible for the payment of such fees.  If you choose to disclose information regarding your actual location (including location-related information provided by your mobile data provider or carrier, provider, or other third party applications), you acknowledge and agree that (1) such information may be made available to other viewers of such information and (2) AFM is not responsible for the correctness of such information and any use of such information by third parties, including other users. “You” may not, under any circumstance use this system while operating a motor vehicle or under the influence of intoxicating substances, whether legally prescribed or not.


Legal Compliance

You agree to comply with all applicable domestic and international laws, statutes, ordinances, and regulations regarding your use of the “App”, “Content”, and any software provided therein.


Our Intellectual Property

The “Insurance Policy Management App” may contain our service marks or trademarks as well as those of our affiliates or other companies in the form of words, graphics, and logos. Your use of the “App” and the “Content” does not constitute any right or license for you to use our service marks or trademarks.

Our “Content”, as found within the “App”, is protected under the United States and foreign copyrights. Copying, redistribution, use, or publication by you of any such “Content” is strictly prohibited. Your use of the “Insurance Policy Management App” does not grant you any ownership rights to our “Content”.


“Content” Disclaimer

Our “Content” may be changed without notice and is not guaranteed to be complete, correct, timely, current, or up-to-date. “Content” may become out-of-date. We undertake no obligation to update any “Content” on the “Insurance Policy Management App”. Users are responsible for their own “Content” where applicable and may update their “Content” at any time without notice and at their sole discretion.


Errors, Corrections, and Changes

We do not represent or otherwise warrant the “Insurance Policy Management App” will be error-free, free of viruses or other harmful components, or that we will correct any errors. We do not represent or otherwise warrant that the information available on or through the “Insurance Policy Management App” will be correct, accurate, timely, or otherwise reliable. We may make changes to the features, functionality, or “Content” of the “Insurance Policy Management App” at any time. We have provided this “App” for the purposes of allowing the ease of insurance policy management. If you have a question about its accuracy, please contact your Insurance Agent with your questions.


Warranty Disclaimer

“AFM” is not responsible or liable in any manner for any “Content” posted in the “Insurance Policy Management App”.  “AFM” is not responsible for the online or offline conduct of any User of the “Insurance Policy Management App”.

The “Insurance Policy Management App” may be temporarily unavailable from time to time for maintenance or other reasons. “AFM” assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of User communications. 

“AFM” is not responsible for any technical malfunction or other problems of any telephone network or service, computer systems, servers or providers, computer or mobile phone equipment, software, failure of email on account of technical problems or traffic congestion on the Internet, or any combination thereof, including injury or damage to any User’s computer, mobile phone, or other hardware or software related to or resulting from using or downloading materials in connection with the “Insurance Policy Management App”, including without limitation any software provided through the “Insurance Policy Management App”.

Under no circumstances will “AFM” be responsible for any loss or damage, including any loss or damage or personal injury or death resulting from anyone’s use of the “Insurance Policy Management App”, or any interactions between Users of the “Insurance Policy Management App”, whether online or offline.


THE INFORMATION, “CONTENT”, AND DOCUMENTS FROM OR THROUGH THE “INSURANCE POLICY MANAGEMENT APP” ARE PROVIDED ‘AS-IS’, ‘AS AVAILABLE’, WITH ‘ALL FAULTS’, AND ALL EXPRESS OR IMPLIED WARRANTIES ARE DISCLAIMED (INCLUDING BUT NOT LIMITED TO THE DISCLAIMER OF ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE). THE “INSURANCE POLICY MANAGEMENT APP” MAY CONTAIN BUGS, ERRORS, PROBLEMS, OR OTHER LIMITATIONS.

“AFM” INCLUDING ALL OUR AFFILIATES, HAS NO LIABILITY WHATSOEVER FOR YOUR USE OF THE “INSURANCE POLICY MANAGEMENT APP”. “AFM” CANNOT GUARANTEE AND DOES NOT PROMISE ANY SPECIFIC RESULTS FROM THE USE OF THE “INSURANCE POLICY MANAGEMENT APP”, INCLUDING, BUT NOT LIMITED TO, RELATED SOFTWARE. “AFM” DOES NOT REPRESENT OR WARRANT THAT OUR “CONTENT”, SERVICES, OR ANY SOFTWARE FOUND WITHIN THE “INSURANCE POLICY MANAGEMENT APP” ARE ACCURATE, COMPLETE, RELIABLE, CURRENT, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THEREFORE YOU SHOULD EXERCISE CAUTION IN THE USE AND DOWNLOADING ANY SUCH “CONTENT” OR SOFTWARE AND USE INDUSTRY-RECOGNIZED SOFTWARE TO DETECT AND REMOVE VIRUSES. ALL RESPONSIBILITY OR LIABILITY FOR ANY DAMAGES CAUSED BY VIRUSES SOMEHOW ATTRIBUTED TO THE “INSURANCE POLICY MANAGEMENT APP”, SERVICES, AND RELATED SOFTWARE IS DISCLAIMED.


WITHOUT LIMITING THE FOREGOING, YOU UNDERSTAND AND AGREE THAT YOU DOWNLOAD OR OTHERWISE OBTAIN “CONTENT” AND RELATED SOFTWARE FROM OR THROUGH THE “INSURANCE POLICY MANAGEMENT APP” OR SERVICES AT YOUR OWN RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR YOUR USE THEREOF AND ANY DAMAGES TO YOUR MOBILE DEVICE OR COMPUTER SYSTEM, LOSS OF DATA, OR OTHER HARM OF ANY KIND THAT MAY RESULT. WE AND ALL OF OUR AFFILIATES ARE NOT LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES (INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LITIGATION, OR THE LIKE), WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE NEGATION AND LIMITATION OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN YOU AND “AFM”.


THE “INSURANCE POLICY MANAGEMENT APP” SERVICES WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US THROUGH THE “INSURANCE POLICY MANAGEMENT APP” SERVICES WILL CREATE ANY WARRANTY, REPRESENTATION, OR GUARANTEE NOT EXPRESSLY STATED IN THIS AGREEMENT.

 

Limitation of Liability

“AFM”, as well as all our Affiliates, will not be liable for any loss, injury, claim, liability, or damage of any kind resulting in any way from (a) any errors in or omissions from the “Insurance Policy Management App”, (b) any product liability issues to the extent that we are not involved with the manufacturer of the product(s) giving rise to liability, (c) the unavailability or interruption of the “Insurance Policy Management App”, (d) your use of the “Insurance Policy Management App”, (e) the “Content” contained on the “Insurance Policy Management App”, or (f) any delay or failure in performance of the “Insurance Policy Management App” beyond our control.

IN NO EVENT WILL “AFM” OR ITS DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PERSON FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING FOR ANY LOST PROFITS OR LOST DATA ARISING FROM YOUR USE OF THE “INSURANCE POLICY MANAGEMENT APP”, “CONTENT”, SERVICES, OR ANY RELATED SOFTWARE, ACCESSED THROUGH OR DOWNLOADED FROM THE “INSURANCE POLICY MANAGEMENT APP”, EVEN IF “AFM” IS AWARE OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, “AFM”’S LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER, AND REGARDLESS OF THE FORM OF THE ACTION WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US FOR INSURANCE PREMIUMS DURING THE PREVIOUS THIRTY (30) DAYS PRIOR TO THE EVENT GIVING RISE TO LIABILITY.

 

Submissions

Users may submit “Content” and information to the “Insurance Policy Management App”. You hereby grant to “AFM” the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display all “Content”, remarks, suggestions, ideas, graphics, reviews or comments, or other information communicated to “AFM” through the “Insurance Policy Management App” (together, the “Submission”), and to incorporate any Submission in other works in any form, media, or technology now known or later developed. “AFM” will not be required to treat any Submission as confidential, unless otherwise stated in this Agreement, and may use any Submission in its business (including without limitation, for products or advertising) without incurring any liability for royalties or any other consideration of any kind, and will not incur any liability as a result of any similarities that may appear in future “AFM” operations.

“AFM” is not responsible for the monitoring or filtering of any Submission. Should any Submission be found illegal, “AFM” will submit all necessary information to relevant authorities.

Without limiting the foregoing, we have sole discretion to remove any Submission that violates this Agreement or is otherwise objectionable in our sole discretion. Users are responsible for complying with all applicable federal and state laws for their Submission, including copyright and trademark laws.

You warrant that you will not use the “Insurance Policy Management App” to infringe the intellectual property rights of others in any way. In accordance with the DMCA and other applicable law, we have adopted a policy of terminating Users who we deem, in our sole discretion, to be infringers of others’ intellectual property rights.

“You” agree not to use the “Insurance Policy Management App” to do any of the following:

1)       Upload, post, or otherwise transmit any Submission that:

  1. Violates any local, state, federal, or international laws
  2. Infringes on any patent, trademark, trade secret, copyright, or other proprietary rights of any party
  3. Harms, threatens, defames, promotes violence or illegal activities, or is otherwise vulgar, obscene, abusive, harassing, tortuous, libelous, invasive of another’s privacy, hateful, or racially, ethically, or otherwise objectionable
  4. Links directly or indirectly to any materials to which you do not have a right to link
  5. Contains any private information of any third party, including, without limitation, addresses, phone numbers, email addresses, Social Security numbers, and credit card numbers
  6. Contains confidential medical information
  7. Contains software viruses or any other computer code, files or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment, or extract information from the “Insurance Policy Management App”
  8. Contains any unsolicited or unauthorized advertising, solicitations, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation
  9. In the sole judgment of “AFM” is objectionable or restricts or inhibits any other person from using or enjoying the “Insurance Policy Management App”, or which may expose “AFM” our affiliates, or our Users to any harm or liability of any type

2)     Use our “Content” to:

  1. Develop a competing mobile application or services
  2. Create compilations or derivative works as defined under United States copyright laws
  3. Redistribute it in any manner, including, but not limited to, sale, license, lease, rental, subscription, or any other distribution mechanism

3)      Decompile, disassemble, or reverse engineer our App, Site, and any related software or service

4)     Use the “Insurance Policy Management App” in any manner that violates this Agreement or any local, state, federal, or international laws.

 

Copyright Infringement Claims

“AFM” respects the intellectual property rights of third parties and complies with the terms of the Digital Millennium Copyright Act (DMCA) regarding such rights.  “AFM” reserves the right to remove access to infringing material posted to the “Insurance Policy Management App”.  Such actions do not affect or modify any other rights “AFM” may have under law or contract.

 

If you believe that any portion of the material submitted through the “Insurance Policy Management App” infringes your copyright, notify “AFM” of your claim in accordance with the following procedure.  We will take appropriate action as required by the Digital Millennium Copyright Act (DMCA), 17 U.S.C. § 512(c)(3).

 

Written Notification must be submitted to “AFM”’s Designated Agent:

 

Lisa Snyder, President/CEO

128 West Harden Street

Graham, North Carolina 27253

 

To be effective, the Notification must be in writing and contain the following information:

 

  • A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
  • Identification of the copyrighted work claimed to have been infringed or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
  • Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material;
  • Information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted;
  • A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law;
  • A statement that the information in the notification is accurate and, under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

 

Upon receipt of the written Notification containing the information outlined above, “AFM” will:

  • Remove or disable access to the material that is alleged to be infringing;
  • Forward the written notification to such alleged infringer;
  • Take reasonable steps to promptly notify the alleged infringer that it has removed or disabled access to the material.

 

A Counter Notification will be effective if in writing, provided to the Designated Agent, and including substantially the following:

 

  • A physical or electronic signature of the alleged infringer;
  • Identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled;
  • A statement under penalty of perjury that the alleged infringer has a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material to be removed or disabled;
  • The alleged infringer’s name, address, and telephone number, and a statement that the alleged infringer consents to jurisdiction of Federal District Court for the judicial district in which the address is located or, if outside of the United States, for any judicial district in which “AFM” may be found, and that the alleged infringer will accept service of process from the person who provided notification or the agent of such person.

 

Upon receipt of a Counter Notification containing the information outlined above, “AFM” will:

  • promptly provide the complaining party with a copy of the Counter Notification;
  • inform the complaining party that it will replace the removed material within ten (10) to fourteen (14) business days following the receipt of the Counter Notification, provided “AFM”’s Designated Agent has not received notice from the complaining party that an action has been filed seeking a court order to restrain alleged infringer from engaging in infringing activity relating to the material on “AFM”’s network or system.

 

This process only relates to reporting a claim of copyright infringement.  Messages related to other matters will not receive a response through this process.


Unlawful Activity

“AFM” reserves the right to investigate complaints or reported violations of this Agreement and take any action we deem appropriate, including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to your profile, email addresses, usage history, posted materials, IP addresses, and traffic information.

 

Links to Other Websites

The “Insurance Policy Management App” may from time to time contain links to third-party websites. The inclusion of links to any website on the “Insurance Policy Management App” does not mean that we endorse, guarantee, warrant, or recommend the services, information, “Content”, and/or data of such third-party websites.


“AFM” has no control over the legal documents and privacy practices of third-party websites; you access any third-party websites at your own risk. We recommend that you review the privacy notice and terms of service of those websites to fully understand what information is collected and how it is used.


Secured Access

The “Insurance Policy Management App” contain secured components of computer servers and systems operated by “AFM” and/or “AFM”’s partners and affiliates (collectively ““AFM” Servers”) that are accessible only to those who have registered to access the secured components of the “AFM” Servers. Information contained within the secure components of “AFM” Servers is confidential and proprietary.

 

This Agreement provides the terms of service under which you will be granted access to secured components of “AFM” Servers.  This Agreement is between “AFM”, the Policyholder, and any individual the Policyholder designates as an authorized (the “Account Holder”).

 

“AFM” has made a significant investment in developing “AFM” Access Portals to better serve and assist its customers. If you are registering for access to “AFM”’s Online Services, you must confirm that you have read and agree to be bound by this Agreement by clicking “I have read and accepted the Terms of Service” where indicated.

 

If you do not agree with these Terms of Service, please exit the registration process. You should be aware, however, that all use of the “Insurance Policy Management App” is subject to this Agreement. The Terms of Service will always be available for your review as a link at the bottom of the www.alamancefarmers.com home page and other “AFM” pages. If you click “ I have read and accepted the Terms of Service ” and complete the information we will create an electronic record of your consent to be bound by the Agreement and you will be able to continue with the registration process.

 

Unauthorized Use of Account

Access to the secured components of the “AFM” Servers is granted through creation of a username and password. The Account Holder is responsible to maintain the security/confidentiality of your password. If you believe that someone has used your registration information to access any secured areas of the “Insurance Policy Management App” without proper authorization, you must immediately notify “AFM”.

 

 

Online Claims Submission or Policy Changes

If you are a “AFM” customer, you may be allowed to report an insurance claim online where available. Your online claim does not commit “AFM” to coverage for this loss. Information you submit regarding your insurance policy and the loss is subject to review and verification. “AFM” reserves the right to request additional information prior to reaching a decision on the claim. A claim representative will be communicating with you regarding your claim. All policy provisions contained in your policy remain in effect. Any changes to your policy coverage requested through the “Insurance Policy Management App” are not effective until approved by “AFM”, at which point you will receive confirmation of the approval. If you have any questions concerning the coverage afforded by your policy, please contact “AFM”.

 

Termination

“AFM” reserves the right to terminate your access to the “Insurance Policy Management App” or to any or all its services at any time without notice for any reason whatsoever. Certain provisions of this Agreement, including but not limited to copyrights, indemnity, trademarks, limitation of liability, warranty and jurisdictional issues will survive the termination of this Agreement.

 

Indemnification

“You” the “User” of the “Insurance Policy Management App” agree to indemnify, defend, and hold “AFM” and our partners, agents, officers, directors, employees, subcontractors, successors, affiliates, assigns, third party suppliers of information, software, services, and documents, harmless and free from any liability, loss, claim, and expense, including reasonable attorney’s fees, related to “Your” violation of the terms of service contained in this document and Agreement or use of the “Insurance Policy Management App”.

 

 

Severability and Survival

Should any part of this Agreement be held invalid or unenforceable, that portion will be construed consistent with applicable law and the remaining portions will remain in full force and effect. Our failure to enforce any provision of this Agreement will not be deemed a waiver of such provision, nor of the right to enforce such provision. Our rights under this Agreement will survive any termination of this Agreement.

 

Changes to Our Terms of Service

AFM reserves the right to change this Agreement at any time without notice. We will also post these changes to the “Insurance Policy Management App”. These changes will become effective immediately upon posting the changes. To avoid doubt, no unilateral amendment will retroactively change agreed dispute-resolution provisions of this Agreement, if any, including, for example, arbitration provisions for then-pending disputes unless the parties expressly agree otherwise. Your continued use of the “Insurance Policy Management App”, our services, and products after any change to this Agreement will constitute your acceptance of such change or changes. If you do not agree with the changes to this Agreement, you can choose to discontinue the use of the “Insurance Policy Management App”.

 

 

Contact Information

 

If you have any questions or suggestions regarding these terms of service, please contact us, in writing, at:

 

Lisa Snyder, President/CEO

128 West Harden Street

Graham, North Carolina 27253

Our Cookies Policy

Cookies are small files that are sent to and stored on your computer hard drive by the websites you visit. Cookies are stored in your browser’s file directory. Cookies may be stored only for the time you are in a given site or they may remain stored in your browser for a defined period of time beyond your current session. Cookies work in combination with content within the website itself, to capture and remember information. To learn more about these technologies and how they work, please see www.allaboutcookies.org.

We use cookies to collect and process non-personal information. You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies.

 

You can review the options available to manage cookies in your browser. One option is to disable, or turn-off, all cookies. If you turn cookies off, you may not be able to browse the Site. If you disable certain kinds of cookies, some aspects of our Site may not function properly or as well.