Terms & Conditions

1. Purpose of This Site

This Site is provided for informational and communication purposes only. The Site may include information about: insurance products and services; requests for insurance quotes; employment or agency staff opportunities; independent agency ownership opportunities; agency acquisition and succession opportunities; and webinars, events, recruiting resources, and business development information.

This Site is not: a binding offer of insurance coverage; a guarantee that insurance coverage will be available or approved; a formal offer of employment; a franchise offering; a securities offering; a financial, legal, tax, investment, or insurance advisory service; or a binding agreement to buy or sell any agency, book of business, service rights, commission rights, or other business interest.

All insurance coverage is subject to application, underwriting, eligibility requirements, carrier approval, policy terms, and applicable law. All employment, agency staff, agency ownership, and acquisition opportunities are subject to applicable eligibility requirements, background checks, licensing, appointment approval, business review, and execution of legally binding agreements.

2. Relationship to Farmers Insurance and Independent Agency Owners

Farmers District 46 supports recruiting, training, onboarding, business development, and agency support activities within the Farmers Insurance agency distribution system.

References to “Farmers,” “Farmers Insurance,” Farmers-branded products, Farmers programs, Farmers marks, or Farmers agency opportunities are made in connection with authorized Farmers-related business activities. Farmers names, logos, marks, and related brand assets are owned by their respective owners and are used only as permitted.

Independent Farmers agency owners are independent contractors and are not employees, partners, joint venturers, or legal representatives of District 46. Any insurance product or service may be offered through properly licensed and appointed insurance professionals, subject to applicable requirements.

3. Independent Contractor Acknowledgment

Agency ownership opportunities are independent contractor business opportunities. Agency owners are not employees, partners, joint venturers, franchisees, or legal representatives of District 46.

Nothing on this Site should be interpreted as a guarantee of: income; earnings; profitability; appointment approval; business success; sales results; bonus eligibility; acquisition approval; or long-term contract status.

Actual results vary based on many factors, including individual effort, business experience, sales activity, staffing, licensing, market conditions, underwriting conditions, product availability, customer demand, business expenses, leadership ability, and other factors outside the control of District 46.

4. No Professional Advice

The content on this Site is provided for general informational purposes only. It does not constitute legal, tax, financial, investment, accounting, employment, business valuation, or insurance advice.

You should consult your own qualified professional advisors before making decisions involving insurance coverage, employment, business ownership, agency acquisition, financing, tax planning, legal obligations, or investment matters.

5. Insurance Quotes and Product Information

Submitting a request through this Site does not bind insurance coverage and does not guarantee that coverage will be offered, approved, renewed, or issued.

Any quote, estimate, premium indication, coverage discussion, or product description is subject to application, underwriting review, carrier approval, policy terms, exclusions, limitations, state availability, and applicable law.

Coverage is not effective unless and until confirmed in writing by an authorized insurance carrier or properly licensed insurance professional.

6. Recruiting, Employment, and Agency Ownership Opportunities

Information on this Site about employment, agency staff roles, Protégé opportunities, Associate opportunities, Retail agency ownership, Elite agency ownership, agency acquisitions, or other business paths is provided for general informational and recruiting purposes.

Submitting an inquiry does not guarantee an interview, employment offer, agency ownership opportunity, licensing approval, appointment approval, program eligibility, or contract execution.

Background checks, licensing reviews, appointment reviews, business plan reviews, capital requirements, production requirements, training requirements, and other eligibility standards may apply. Requirements may change at any time.

Employment opportunities, where applicable, are subject to separate employer review and applicable employment laws. Agency ownership opportunities are independent contractor opportunities and are not offers of employment.

7. Agency Acquisitions and Succession Opportunities

District 46 may help facilitate initial communications between individuals interested in buying or selling a Farmers agency or service and commission rights. District 46 does not set the purchase price, sale terms, financing terms, or final transaction structure between buyer and seller.

You acknowledge and agree that:

• District 46 acts only as a facilitator of introductions and process support.
• District 46 is not a party to any purchase or sale agreement unless expressly stated in a separate written agreement.
• District 46 does not guarantee that any acquisition opportunity will be approved, completed, profitable, or available.
• The buying and selling parties are responsible for conducting their own due diligence.
• The buying and selling parties should consult their own legal, tax, accounting, financing, and business advisors.
• Any sale or transfer is subject to all applicable company approvals, eligibility requirements, licensing requirements, appointment requirements, and final documentation.

You should not submit confidential financial information, tax returns, customer lists, valuation materials, or other sensitive acquisition materials through public website forms. Sensitive information should only be exchanged through secure channels and, when appropriate, after a mutual Non-Disclosure Agreement has been executed.

8. Communications Consent and Lead Routing

By submitting your contact information through this Site, you authorize District 46 and its affiliated independent agency owners, representatives, or service providers acting on our behalf to contact you regarding your inquiry.

Contact may be made by phone, text message, email, or other communication method, where permitted by law. Depending on the form you submit and the consent you provide, communications may relate to insurance products, quotes, services, career opportunities, agency ownership opportunities, agency acquisitions, events, webinars, or related follow-up.

Your consent is not a condition of purchasing any product or service, applying for employment, or being considered for an agency ownership opportunity. Message and data rates may apply.

You may opt out of marketing communications at any time by replying STOP to a text message, clicking unsubscribe in an email, contacting [email protected], or calling 210-571-1737.

Additional details about how we collect, use, share, and protect personal information are provided in our Privacy Policy.

9. User Information and Accuracy

You agree that any information you submit through this Site will be accurate, current, and complete to the best of your knowledge.

You are responsible for any errors, delays, or issues resulting from inaccurate, incomplete, outdated, or unauthorized information that you provide.

You agree not to submit information on behalf of another person unless you have authority to do so.

10. Testimonials, Examples, and Results

This Site may include testimonials, success stories, examples, case studies, recognition, production achievements, or general descriptions of business results.

Any such content is provided for informational purposes only and does not guarantee that you will achieve similar results. Individual results vary and depend on many factors, including effort, skill, market conditions, sales activity, business expenses, staffing, leadership, licensing, carrier approval, and other business variables.

11. Intellectual Property

All content on this Site, including text, graphics, images, logos, videos, downloads, layout, design, software, forms, and other materials, is owned by District 46, Farmers, its licensors, or other authorized rights holders and is protected by copyright, trademark, and other intellectual property laws.

You may view and use the Site for personal, informational, or legitimate business inquiry purposes only.

You may not copy, reproduce, distribute, scrape, crawl, reverse engineer, modify, publicly display, sell, exploit, or create derivative works from Site content without prior written permission, except as permitted by law.

12. Acceptable Use

You agree not to use this Site to: violate any law, regulation, or third-party right; submit false, misleading, fraudulent, or unauthorized information; impersonate another person or entity; transmit malware, viruses, spam, or harmful code; attempt to gain unauthorized access to any system, account, server, database, or network; interfere with the operation, security, or performance of the Site; scrape, harvest, or collect data from the Site without authorization; harass, threaten, abuse, or harm any person; or use the Site for any unlawful, deceptive, or abusive purpose.

We reserve the right to restrict or terminate access to the Site if we believe a user has violated these Terms or applicable law.

13. Third-Party Links and Services

This Site may link to third-party websites, tools, platforms, calendars, forms, webinar systems, job boards, insurance resources, social media pages, or other external services.

These links are provided for convenience only. District 46 does not control and is not responsible for third-party websites, services, content, privacy practices, security, or terms of use.

Your use of third-party websites or services is subject to that third party's own terms and privacy policies.

14. Website Availability and Changes

We may update, modify, suspend, or discontinue any part of this Site at any time without notice.

We do not guarantee that the Site will always be available, uninterrupted, secure, accurate, complete, or free from errors.

We may update content, programs, opportunity descriptions, eligibility requirements, links, disclosures, and other Site materials at any time.

15. Disclaimer of Warranties

The Site and all content are provided on an “as is” and “as available” basis.

To the fullest extent permitted by law, District 46 disclaims all warranties of any kind, whether express, implied, statutory, or otherwise, including but not limited to warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, security, and reliability.

District 46 does not warrant that the Site will be error-free, uninterrupted, secure, or free of viruses or other harmful components.

16. Limitation of Liability

To the fullest extent permitted by law, District 46, its officers, staff, representatives, affiliates, service providers, and related parties will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost revenue, loss of data, business interruption, lost opportunity, or loss of goodwill arising from or related to your use of, or inability to use, the Site.

This limitation applies whether the claim is based on warranty, contract, tort, negligence, strict liability, statute, or any other legal theory, even if District 46 has been advised of the possibility of such damages.

Some jurisdictions do not allow certain limitations of liability, so some of the above limitations may not apply to you.

17. Indemnification

You agree to defend, indemnify, and hold harmless District 46, its officers, staff, representatives, affiliates, service providers, and related parties from and against any claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys' fees, arising out of or related to: your use of the Site; your violation of these Terms; information you submit through the Site; your violation of any law or third-party right; or your misuse of Site content, forms, or services.

18. Privacy

Your use of this Site is also governed by our Privacy Policy, which explains how we collect, use, share, retain, and protect personal information.

If there is a conflict between these Terms and the Privacy Policy regarding the handling of personal information, the Privacy Policy will control for privacy-related matters.

19. Governing Law and Venue

These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles.

To the fullest extent permitted by law, any legal action or proceeding arising out of or relating to these Terms or your use of the Site will be brought exclusively in the state or federal courts located in Bexar County, Texas.

You consent to the personal jurisdiction and venue of those courts.

20. Changes to These Terms

We may update these Terms at any time by posting a revised version on this Site. The updated Terms will be effective when posted unless otherwise stated.

Your continued use of the Site after updated Terms are posted means you accept the updated Terms.