Cultivate Insurance Terms & Conditions

Last Updated: January 23, 2025

1. Introduction

These Terms and Conditions ("Terms") govern your use of Cultivate Insurance (the "Website") and any services provided through the Website, including the submission of inquiries through the contact form (collectively, the "Insurance Inquiry"). By accessing or using the Website or submitting an inquiry through the contact form, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Website or submit any inquiries.

2. Use of the Website

• Permitted Use: You may use the Website for lawful purposes only. You agree not to:
  • Use the Website in any way that violates any applicable federal, state, or international law or regulation.  
  • Use the Website to transmit any viruses, worms, or other harmful code.
  • Use the Website to harass, abuse, or impersonate any other person or entity.
  • Interfere with the proper functioning of the Website.
  • Use any automated means, such as scripts, robots, or crawlers, to access or interact with the Website without our prior written consent.
• Disclaimer of Warranties: The Website and the Services are provided "as is" and "as available" without any warranties, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Website or the Services will be uninterrupted, error-free, or secure.  

3. Limitation of Liability

‍In no event shall we be liable for any damages whatsoever, including, without limitation, direct, indirect, incidental, special, consequential, or punitive damages, arising out of or in any way connected with the use of the Website or the Services, whether in contract, tort, strict liability, or otherwise, even if we have been advised of the possibility of such damages. This limitation of liability shall apply to the fullest extent permitted by applicable law.

‍4. Indemnification

‍You agree to indemnify and hold us harmless from and against any and all claims, losses, liabilities, expenses, and costs (including attorneys' fees) arising out of or in any way connected with your use of the Website or the Services, your violation of these Terms, or your violation of any rights of another.

5. Intellectual Property

‍All content on the Website, including but not limited to text, graphics, logos, images, and software, is the property of Cultivate Insurance or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not use any of the Website's content without our prior written consent.

‍6. Privacy

‍Our Privacy Policy, which is incorporated herein by reference, governs the collection, use, and disclosure of your personal information. By using the Website or submitting an inquiry, you consent to the collection and use of your information as described in our Privacy Policy.

‍7. Contact Form

• Purpose: The contact form on the Website is intended for you to submit inquiries regarding crop insurance products and services.
• Information Collected: The contact form may collect information such as your name, email address, phone number, farm location, and any other information you voluntarily provide.
• Use of Information: We may use the information you submit through the contact form to respond to your inquiries, provide you with information about our products and services, and improve our services. We may also share your information with authorized insurance agents or brokers to assist you with your insurance needs.

8. Federal Oversight

• Disclaimer: The information provided on this Website is for general informational purposes only and does not constitute insurance advice.
• Federal Crop Insurance Corporation (FCIC): Crop insurance programs are administered by the FCIC, a federal agency within the U.S. Department of Agriculture (USDA).
• Risk Management Agency (RMA): The RMA is a federal agency that manages and delivers crop insurance programs.
• Important Note: This Website does not provide insurance quotes or bind coverage. You should consult with a licensed crop insurance agent or broker to discuss your specific insurance needs and obtain a quote.

9. Changes to These Terms

‍We may update these Terms from time to time. We will notify you of any material changes by posting the updated Terms on the Website. Your continued use of the Website or the Services after the effective date of any such changes constitutes your acceptance of the new Terms.  ‍

10. Governing Law

‍These Terms shall be governed by and construed in accordance with the laws of the United States and the applicable laws of the state in which you reside.

‍11. Entire Agreement

‍These Terms constitute the entire agreement between you and us with respect to the Website and the Services and supersede all prior or contemporaneous communications, representations, and understandings, whether oral or written.

‍12. Severability

‍If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced.

‍13. Waiver

‍No waiver of any provision of these Terms shall be effective unless in writing and signed by an authorized representative of Cultivate Insurance.

‍14. Contact

‍If you have any questions about these Terms, please contact us at Cultivate Insurance