Welcome to Farjeat Insurance. These Terms of Service govern your use of our website and services. By accessing or using our services, you agree to be bound by these terms. Please read them carefully before proceeding.

1. Acceptance of Terms

By accessing, browsing, or using the Farjeat Insurance website, mobile applications, or any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service, along with our Privacy Policy and any additional terms and conditions that may apply to specific sections of our website or services.

If you do not agree to these terms, you must not access or use our services. Your continued use of our website and services following the posting of any changes to these Terms of Service constitutes your acceptance of those changes.

These Terms of Service constitute a legally binding agreement between you and Farjeat Insurance. You represent that you are at least 18 years of age and have the legal capacity to enter into this agreement. If you are accessing or using our services on behalf of a company or other legal entity, you represent that you have the authority to bind such entity to these terms.

2. Description of Services

Farjeat Insurance provides comprehensive home insurance solutions designed to protect homeowners, renters, and property owners. Our services include, but are not limited to:

  • Homeowners Insurance: Coverage for your home's structure, personal belongings, liability protection, and additional living expenses in case of covered damages.
  • Renters Insurance: Protection for personal property, liability coverage, and additional living expenses for those renting their residence.
  • Condo Insurance: Specialized coverage designed for condominium owners, including interior structure, personal property, and liability protection.
  • Landlord Insurance: Coverage options for property owners who rent out their residential properties.
  • Quote Generation: Online tools and services to obtain insurance quotes based on your specific needs and circumstances.
  • Policy Management: Online account access for managing your policies, making payments, and filing claims.
  • Customer Support: Assistance from our team of insurance professionals to help you understand your coverage options and manage your policies.

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of our services.

3. User Accounts

To access certain features of our services, you may be required to create a user account. When creating an account, you agree to:

  • Provide accurate, current, and complete information during the registration process.
  • Maintain and promptly update your account information to keep it accurate, current, and complete.
  • Maintain the security and confidentiality of your login credentials.
  • Accept responsibility for all activities that occur under your account.
  • Notify us immediately of any unauthorized access to or use of your account.

You are solely responsible for any activity on your account, whether or not you authorized that activity. We reserve the right to suspend or terminate your account at any time for any reason, including if we reasonably believe that you have violated these Terms of Service.

You may not share your account credentials with any third party, and you must not allow any third party to access your account. If you believe your account has been compromised, you must contact us immediately at [email protected].

4. User Responsibilities

As a user of our services, you agree to use our website and services only for lawful purposes and in accordance with these Terms of Service. You agree not to:

  • Use our services in any way that violates any applicable federal, state, local, or international law or regulation.
  • Provide false, misleading, or inaccurate information when applying for insurance coverage or filing claims.
  • Engage in any fraudulent activity, including but not limited to submitting fraudulent claims or misrepresenting material facts.
  • Attempt to gain unauthorized access to any portion of our website, other accounts, computer systems, or networks connected to our servers.
  • Use any automated means, including robots, spiders, or scrapers, to access our website or collect any information from our services.
  • Interfere with or disrupt the integrity or performance of our website or services.
  • Transmit any viruses, malware, or other malicious code through our services.
  • Harass, abuse, or harm another person through your use of our services.
  • Impersonate or attempt to impersonate Farjeat Insurance, a Farjeat Insurance employee, another user, or any other person or entity.
  • Use our services for any purpose that is not expressly permitted by these Terms of Service.

You acknowledge that any violation of these responsibilities may result in the termination of your account and may subject you to civil or criminal liability.

5. Intellectual Property

All content, features, and functionality on our website, including but not limited to text, graphics, logos, icons, images, audio clips, video clips, data compilations, software, and the design, selection, and arrangement thereof, are the exclusive property of Farjeat Insurance, its licensors, or other content suppliers and are protected by copyright, trademark, patent, trade secret, and other intellectual property laws.

The Farjeat Insurance name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Farjeat Insurance or its affiliates. You may not use such marks without our prior written permission.

You are granted a limited, non-exclusive, non-transferable license to access and use our website and services for your personal, non-commercial use. This license does not include:

  • Any resale or commercial use of our website or its contents.
  • Any collection and use of any product listings, descriptions, or prices.
  • Any derivative use of our website or its contents.
  • Any downloading or copying of account information for the benefit of another merchant.
  • Any use of data mining, robots, or similar data gathering and extraction tools.

Any unauthorized use of our website or services terminates the license granted herein and may violate applicable laws, including copyright and trademark laws.

6. Disclaimers

YOUR USE OF OUR WEBSITE AND SERVICES IS AT YOUR SOLE RISK. OUR WEBSITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY LAW, FARJEAT INSURANCE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
  • WARRANTIES THAT OUR WEBSITE OR SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.
  • WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY INFORMATION PROVIDED THROUGH OUR SERVICES.
  • WARRANTIES THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED.

Information provided on our website is for general informational purposes only and does not constitute professional insurance advice. Insurance products and their availability may vary by state, and all insurance coverage is subject to the terms, conditions, limitations, and exclusions of the applicable insurance policy.

We do not warrant that quotes provided through our website will be honored by insurance carriers or that coverage will be available at the quoted rates. All quotes are estimates and subject to verification of information and underwriting approval.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FARJEAT INSURANCE, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, OR ASSIGNS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

  • Loss of profits, revenue, data, or use.
  • Costs of procurement of substitute goods or services.
  • Personal injury or property damage arising from your use of our services.
  • Any unauthorized access to or alteration of your transmissions or data.
  • Any interruption or cessation of transmission to or from our website.
  • Any bugs, viruses, trojan horses, or similar harmful code transmitted through our services.
  • Any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through our services.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING OR USING OUR SERVICES DURING THE TWELVE (12) MONTHS PRIOR TO THE CLAIM.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR LIABILITY, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH CASES, OUR LIABILITY WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

8. Indemnification

You agree to defend, indemnify, and hold harmless Farjeat Insurance, its parent company, subsidiaries, affiliates, officers, directors, employees, agents, licensors, and service providers from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from:

  • Your use of and access to our website and services.
  • Your violation of any term of these Terms of Service.
  • Your violation of any third-party right, including without limitation any intellectual property right, publicity, confidentiality, property, or privacy right.
  • Any claim that your use of our services caused damage to a third party.
  • Any content you submit, post, or transmit through our services.
  • Your fraudulent or misleading statements or conduct.

This indemnification obligation will survive the termination of these Terms of Service and your use of our website and services. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses.

9. Termination

We may terminate or suspend your access to our website and services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms of Service.

Upon termination, your right to use our services will immediately cease. If you wish to terminate your account, you may simply discontinue using our services or contact us to request account deletion.

The following provisions shall survive termination:

  • All provisions relating to intellectual property rights.
  • Disclaimers and limitations of liability.
  • Indemnification obligations.
  • Governing law and dispute resolution provisions.
  • Any other provisions that by their nature should survive termination.

Termination of your account or access to our services does not affect any insurance policies you may have obtained through our services. Such policies remain in effect according to their own terms and conditions and are subject to the terms of your agreement with the applicable insurance carrier.

10. Governing Law

These Terms of Service and any dispute or claim arising out of or related to them, their subject matter, or their formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the State of California, without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action, or proceeding arising out of or related to these Terms of Service or our website and services shall be instituted exclusively in the federal courts of the United States or the courts of the State of California, in each case located in Santa Clara County. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

You agree that any claim or cause of action arising out of or related to your use of our website and services or these Terms of Service must be filed within one (1) year after such claim or cause of action arose, or be forever barred.

11. Changes to Terms

We reserve the right to modify, amend, or update these Terms of Service at any time in our sole discretion. When we make changes, we will update the "Last Updated" date at the top of this page and, where appropriate, notify you via email or through a prominent notice on our website.

Your continued use of our website and services after any changes to these Terms of Service constitutes your acceptance of the revised terms. If you do not agree to the revised terms, you must stop using our website and services.

We encourage you to review these Terms of Service periodically to stay informed about our terms and conditions. Material changes to these Terms of Service will be effective upon posting, unless otherwise indicated in the notice of such changes.

12. Contact Information

If you have any questions, concerns, or comments about these Terms of Service, please contact us using the following information:

Farjeat Insurance

900 East Hamilton
Campbell, CA 95008

Phone: +1 (408) 877-9865
Email: [email protected]

Our customer service team is available to assist you Monday through Friday, 9:00 AM to 5:00 PM Pacific Time, excluding holidays.

For urgent matters related to active insurance claims, please refer to the claims contact information provided in your policy documents or call the claims hotline number on your insurance card.