TERMS OF SERVICE
Effective Date: January 1, 2024.
Welcome to We Protect Farms, LLC. These Terms of Service ('Terms') govern your access to and use of our risk management services, insurance brokerage platforms, and website. By utilizing our Services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please refrain from using our Services.
1. Definitions
'Service' encompasses the insurance brokerage products, professional consultations, and digital resources provided by We Protect Farms, LLC. 'User' (also referred to as 'You') designates any individual or entity accessing the Service for agricultural or livestock risk management purposes.
2. User Responsibilities
- Provide complete and accurate information when requesting insurance quotes or professional consultations.
- Maintain the strict confidentiality of your account credentials and system access.
- Utilize our platforms and tools exclusively for lawful agricultural risk management activities.
3. Disclaimers and Limitations of Liability
We Protect Farms, LLC provides all Services on an 'as is' and 'as available' basis. While we strive for precision, insurance quotations are estimates only; absolute coverage is dictated by the final policy terms. We shall not be liable for indirect or consequential damages arising from livestock market fluctuations or weather-based indices.
4. Privacy Policy
Your engagement with the Service is further governed by our Privacy Policy. We encourage you to review this policy to understand our protocols for collecting and safeguarding your personal and agricultural data.
5. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the State of Alabama. Any legal proceedings arising from these Terms shall be subject to the exclusive jurisdiction of the courts located in Cullman County, Alabama.
6. Contact Information
For inquiries regarding these Terms, please reach out to our team at info@weprotectfarms.com.
Definitions
Agreement
Services
Refers collectively to these Terms of Service, the Privacy Policy, and any supplemental terms or legal notices governing your engagement with We Protect Farms, LLC.
Encompasses our comprehensive risk management consultations, insurance brokerage solutions, and specialized agricultural programs, including LRP and PRF, provided through our platforms.
User
Livestock Risk Protection (LRP)
Any individual, agricultural producer, or legal entity that accesses our digital resources or utilizes our expert insurance advisory services for agricultural risk management.
A federally subsidized insurance product designed to protect producers against a decline in market price for their livestock during a specified coverage period.
PRF Protection
Effective Date
The Pasture, Rangeland, and Forage (PRF) insurance program, which provides financial protection against rainfall deficiency based on localized NOAA indices.
The date these Terms of Service were most recently updated and became applicable to all Users accessing We Protect Farms, LLC digital resources.
User Responsibilities
- Accuracy of Information: To ensure the provision of precise risk management and tailored insurance solutions for your agricultural operation, you agree to provide complete, truthful, and up-to-date information at all times.
- Authorized Use: The resources, tools, and content provided on this platform are intended strictly for lawful, non-commercial use by individuals and entities engaged in ranching and farming activities.
- Account Security and Confidentiality: You are solely responsible for maintaining the confidentiality of your account credentials and any proprietary documentation shared during consultations with our specialists.
- Restricted Activities: Any actions intended to compromise the integrity of our digital platforms, including the unauthorized use of automated scrapers to extract market indices or livestock data, are strictly prohibited.
- Regulatory Compliance: By utilizing our Services, you acknowledge and agree to comply with all applicable local, state, and federal agricultural and insurance regulations.
Disclaimers and Limitations of Liability
We Protect Farms, LLC provides risk management resources on an "as is" and "as available" basis. We disclaim all representations or warranties, whether express or implied, regarding the accuracy, reliability, or completeness of the information provided.
No Professional Advice: The materials provided on this platform are for informational purposes only and do not constitute legal, financial, or specific insurance advice. We strongly recommend consulting with a qualified specialist regarding the unique requirements of your agricultural operation.
Limitation of Liability: To the maximum extent permitted by law, We Protect Farms, LLC and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages—including, without limitation, loss of profits or data—arising from your use of our services or digital tools.
Under no circumstances shall our total cumulative liability for all claims related to our services exceed the actual amount paid by you, if any, for the specific services that gave rise to the claim.
OUR COMMITMENT TO YOUR PRIVACY
Your trust is our most valued asset. Our Privacy Policy outlines the stringent data standards we implement to ensure your agricultural information and ranching heritage remain secure. Protecting your family’s legacy is a core commitment, integrated into every service we provide.
Governing Law and Dispute Resolution
These Terms, and all matters arising out of or directly relating to them, shall be governed by and construed in accordance with the laws of the State of Alabama. You agree that any legal action or proceeding shall be instituted exclusively within the state or federal courts situated in Cullman County, Alabama.
We value our relationship with our clients and strive to resolve any concerns through direct, amicable dialogue. Before initiating formal litigation, we strongly encourage you to reach out for an informal resolution. If a mutual agreement cannot be reached, both parties agree to explore mediation or binding arbitration as a primary step before pursuing legal recourse.
- Legal Jurisdiction: State of Alabama
- Exclusive Venue: Cullman County Courts
- Resolution Sequence: Informal Consultation, Mediation/Arbitration, then Litigation