Effective date: April 18, 2026
1. Acceptance and scope
These Terms of Service apply to your access to and use of the Deaf Insurance Services website. By using this website, you agree to these terms.
If you do not agree to these terms, do not use the website or submit information through its forms.
2. Informational website only
This website is provided for general informational purposes and contact intake. It is intended to help visitors request follow-up, send referrals, and understand the general services offered through the business.
The website content is not legal advice, tax advice, financial advice, claims advice, or a substitute for policy language, underwriting decisions, carrier requirements, or formal application materials.
3. No insurance coverage is bound through this website
Submitting information through this website does not bind insurance coverage, start or change a policy, guarantee placement, guarantee pricing, or create immediate insurance coverage.
Any quote, policy change, coverage decision, effective date, or placement depends on follow-up review, carrier guidelines, underwriting, licensing limits, and any required application or policy documents.
4. Quote requests and referral submissions
This website allows visitors to submit quote requests for themselves and referrals for someone else. A submission is a request for follow-up only.
Submitting a form does not by itself create a client relationship, agency relationship, broker relationship, advisory engagement, or any obligation to provide services.
Responses are not guaranteed within any fixed timeframe. Response timing may vary based on business hours, submission volume, service area, licensing limits, and the nature of the request.
5. User responsibilities
You agree to submit accurate, current, and non-misleading information. You also agree not to use the website in a way that is unlawful, abusive, fraudulent, or disruptive.
If you submit a referral, you are responsible for making sure you are permitted to share that person's information and that the information you provide is reasonably necessary for the referral.
You should not submit sensitive personal information through the website unless it is reasonably necessary for the request. For example, do not submit Social Security numbers, bank account numbers, or payment card information through the forms.
6. No guarantee of availability
The website may be changed, suspended, limited, or discontinued at any time without notice.
We do not guarantee that the website will be uninterrupted, error-free, secure, or compatible with every browser, device, or assistive technology setup at all times.
7. Third-party services and external links
This website may use third-party tools and service providers to operate forms, deliver submissions, host content, or support website functions. It may also contain links to third-party websites, including social media platforms.
Third-party websites and services have their own terms, privacy policies, and practices. Deaf Insurance Services is not responsible for the content, availability, or policies of third-party sites or services it does not control.
8. Intellectual property
Unless otherwise stated, the website content, branding, copy, graphics, layout, and design elements are owned by or used with permission by Deaf Insurance Services.
You may use this website for personal, informational, and referral-related purposes only. You may not copy, reproduce, distribute, republish, or commercially exploit website materials without prior permission.
9. Disclaimer of warranties
To the fullest extent permitted by law, this website is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied.
We do not make warranties regarding completeness, accuracy, reliability, availability, merchantability, fitness for a particular purpose, or non-infringement with respect to the website or its content.
10. Limitation of liability
To the fullest extent permitted by law, Deaf Insurance Services will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or related to your use of this website.
This includes damages related to delays in follow-up, website downtime, submission failures, errors, omissions, or reliance on website content.
11. Changes to these terms
These terms may be updated from time to time to reflect changes to the website, business operations, service providers, or legal requirements.
If changes are made, the updated version will be posted on this page with a revised effective date when appropriate. Continued use of the website after updated terms are posted means you accept the revised terms.
12. Contact information
Questions about these terms can be sent to Mpeltier@farmersagent.com or by phone at (612) 446-5900.
Mailing address: 8011 34th Ave S, Suite 202 Bloomington, Minnesota 55425.