GROUND RULES (Let's level set)<p>Toggle® is our brand name, but your renters insurance policy is underwritten by and advertising is produced on behalf of 21st Century Premier Insurance Company in Arizona, California, Colorado, Louisiana, Minnesota, and Ohio, and underwritten by Toggle Insurance Company in Arkansas, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Mississippi, Missouri, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, and Wisconsin.
Your auto insurance policy is underwritten by and advertising is produced on behalf of Mid-Century Insurance Company in South Carolina and Toggle Insurance Company in Arizona, Illinois, Indiana, and Ohio.
21st Century Premier Insurance Company, Toggle Insurance Company, and Mid-Century Insurance Company are members of the Farmers Insurance Group of Companies®.</p>
<p>Throughout these terms of service, when we say “we”, “us” or “our”, we mean 21st Century Premier Insurance Company, Toggle Insurance Company, or Mid-Century Insurance Company (depending upon your state), and/or their subsidiaries, affiliates, and parent companies and their respective successors.</p>
<p>These Terms of Service (“Terms”) govern your access to and use of www.gettoggle.com (“Site”), and all products, services, and materials made available through the Site (“Services”).
By accessing this Site or using our Services, you confirm that you are at least 18 years of age and can form a binding contract with us.
Our Services are not intended for children.</p>
<p>By accessing this Site or using our Services, you agree to be bound by these Terms and by our Privacy Policy.
If you do not agree to these Terms or the Privacy Policy, please do not access or otherwise use our Site or Services.</p>
<p>We reserve the right to modify these Terms from time to time.
Any modifications are effective when posted to the Site and will apply to your subsequent use of the Site.
You should continue to check the Site for changes.
Your continued use of our Site or Services following the posting of changes to these Terms will mean that you accept those changes.</p>
<p>The headings and captions used in these Terms are inserted for convenience only and will not affect the meaning or interpretation of these Terms.</p>PERMITTED USE (Stuff you can do here)<p>You may view, use and download materials at this Site for informational, non-commercial purposes in connection with seeking insurance.
You may not store, modify, reproduce, transmit, distribute, repost, publicly display or otherwise use any content on this Site, or the design or layout of this Site or individual sections of it, in any form or media except with our express prior written permission.
The commercial use, reproduction, reposting, public display, transmission or distribution of any information, software, logo or other material available through this Site without our prior written consent is strictly prohibited.</p>
<p>You understand that we may, at any time, for any reason and without notice, discontinue, change or restrict your use of this Site and make changes in the Services made available through this Site.</p>
<p>In connection with your use of the Site or Services, you agree that you will (a) review and comply with these Terms and the Privacy Policy.
(b) comply with all federal, state, local, foreign or other applicable law, or regulatory requirement.
and (c) provide accurate information to us and update it as necessary.</p>UNAUTHORIZED USE (Hard no on this behavior)<p>You may not use any portion of the Services or this Site for any unlawful purpose or in any way that might harm, damage, or disparage any other party.</p>
<p>Without limiting the preceding sentence, under no circumstances are you allowed to:</p>
<ul>
<li>engage in any conduct in connection with the Site or Services that could be considered defamatory, bullying, threatening, harassing, predatory, intimidating, obscene, violent, inflammatory, or otherwise objectionable;</li>
<li>infringe upon any third party’s copyrights, trademarks, service marks, trade secrets, or rights of publicity or privacy;</li>
<li>use the Site or Services for spamming or to send unsolicited mass mailings;</li>
<li>create an account for anyone other than a natural person or use or attempt to use another’s account or create a false identity;</li>
<li>decompile, reverse engineer, disassemble, or modify any portion of the Services or Site;</li>
<li>introduce into the Services or Site any virus or other code or programming intended to disrupt or damage the Services or Site, or alter, damage or delete any portion of the Services or Site, or retrieve or record information about the Services or Site or their users;</li>
<li>utilize or copy information, content or any data you view on or obtain from the Services or Site to provide any service that is competitive, in our sole discretion, with the Services or Site;</li>
<li>merge any portion of the Services or Site with any other content or data or otherwise create derivative works based on any portion of the Services or Site;</li>
<li>sublicense, assign, translate, rent, lease, lend, resell for profit, distribute or transfer any portion of the Services or Site or access to the Services or Site to others;</li>
<li>remove, obscure, or alter any copyright, trademark or other proprietary rights notices contained in or on the Services or Site;</li>
<li>engage in “framing,” “mirroring,” or otherwise simulating the appearance or function of the Site.</li>
</ul>ELIGIBILITY<p>Not all of the Services described on this Site are available in all areas of the United States and you may not be eligible for them.
Policy features may vary by state.
see your policy contract for detailed information.
We reserve the right to determine eligibility.</p>CREDIT AND CREDIT-BASED INFORMATION<p>
<strong>If you are a first time user:</strong> In connection with this insurance, we may review your credit report or obtain or use a credit-based insurance score, based on information contained in that report.
We will not review your credit report or obtain or use a credit-based insurance score in states where this is prohibited.
An insurance score uses information from your credit report to help predict how often you are likely to file claims and how expensive those claims will be.
Typical items from a credit report that could affect a score include, but are not limited to, the following: payment history, number of revolving accounts, number of new accounts, the presence of collection accounts, bankruptcies and foreclosures.
The information used to develop the insurance score comes from Equifax.
You may request a written statement from us describing our use of credit histories or insurance scores.</p>
<p>
<strong>If you have used our Services before and you wish to renew your policy:</strong> In connection with this insurance, we may have previously used a credit report or obtained or used a credit-based insurance score based on information contained in that report.
We may obtain or use credit information provided again, upon renewal of policy.
We will not review your credit report or obtain or use a credit-based insurance score in states where this is prohibited.
An insurance score uses information from your credit report to help predict how often you are likely to file claims and how expensive those claims will be.
Typical items from a credit report that could affect a score include, but are not limited to, the following: payment history, number of revolving accounts, number of new accounts, the presence of collection accounts, bankruptcies and foreclosures.
The information used to develop the insurance score comes from Equifax.</p>
<p>Where applicable, if you believe an extraordinary life circumstance has negatively impacted your credit information, you may request, in writing, that we provide reasonable exceptions to our underwriting and/or rating practices for this quote or any policy issued.
Please contact us as support@gettoggle.com for details on qualifying circumstances and how to request an exception.</p>INSURANCE QUOTES<p>All quotes we generate are based on the information you provided and do not constitute a contract or binding agreement to extend insurance coverage.
To obtain coverage you must submit an application to us.
All applications are subject to underwriting approval.</p>PURCHASE DECISIONS (They're on you)<p>Any insurance purchasing decisions, such as coverage amounts, limits and deductibles, are completely and solely your responsibility.
Insurance coverage and our performance under your insurance policy are determined solely by the terms, conditions, exclusions and limitations of your insurance policy and applicable law.
Policy features may vary by state; <strong>we encourage you to view/download a sample of your actual policy documentation prior to making any purchase decision:</strong>
</p>Renters<ul>
<li>Arizona</li>
<li>Arkansas</li>
<li>California</li>
<li>Colorado</li>
<li>Georgia</li>
<li>Indiana</li>
<li>Illinois</li>
<li>Iowa</li>
<li>Kansas</li>
<li>Kentucky</li>
<li>Louisiana</li>
<li>Michigan</li>
<li>Mississippi</li>
<li>Minnesota</li>
<li>Missouri</li>
<li>Ohio</li>
<li>Oklahoma</li>
<li>Oregon</li>
<li>Pennsylvania</li>
<li>South Carolina</li>
<li>Tennessee</li>
<li>Texas</li>
<li>Utah</li>
<li>Virginia</li>
<li>Wisconsin</li>
</ul>Auto<ul>
<li>Arizona</li>
<li>Illinois</li>
<li>Indiana</li>
<li>Ohio</li>
<li>South Carolina</li>
</ul>
<p>The information and descriptions provided on this Site are for general reference only, and are not intended to describe all of the terms, conditions, and exclusions applicable to our Services.
Please refer to your actual policy or the relevant product or services agreement for the specific governing terms.
Nothing on this Site should be construed as rendering legal, accounting or other professional advice.</p>CLAIMS PROCESS<p>If you report an insurance claim, the information you submit regarding your insurance policy and the loss is subject to review and verification.
We reserve the right to request additional information prior to reaching a decision on the claim.
A claim representative may be communicating with you regarding your claim.
All policy provisions contained in your policy remain in effect.
If you have any questions concerning the coverage afforded by your policy, please visit the Support page.</p>ACCOUNT INFORMATION<p>In order to access the Services, you will have to create an account.
By doing so, you represent and warrant, unless prohibited by state law, that the information you provide to us at registration (including information provided through any Linked Accounts, as defined below), and at all other times, will be true, accurate, current, and complete.
Your “Account Information” also includes any information you provide to us during the insurance application, in connection with a support request, or during the claims process.</p>
<p>You authorize us to store any Account Information, including User Content (as defined below) and credit or debit card information you provide subject to the Recurring Credit/Debit Card Payments section of these Terms.</p>
<p>We reserve the right to access, read, preserve, and disclose Account Information as we reasonably believe is necessary to: (a) satisfy any law, regulation, legal process, subpoena or governmental request.
(b) enforce these Terms, including investigation of potential violations thereof.
(c) detect, prevent, or otherwise address fraud, security or technical issues.
(d) cooperate with law enforcement authorities.
(e) respond to user support requests.
or (f) protect our, our users' or the public's rights, property or safety.</p>
<p>KANSAS - insurers are prohibited from requiring applicants or insureds to make a warranty of fact or allegation in the insurance application or in the policy provisions.</p>PRIVACY AND PASSWORDS<p>Some portions of the Site and Services are protected and require a User ID and password (together, “Log-in Credentials”) for access.
Unauthorized use or access is strictly prohibited.
You agree that you are responsible for maintaining the confidentiality of your Log-in Credentials.
You may not share your Log-in Credentials with any third party.
You are responsible for all uses of your Log-in Credentials, and any and all related charges, whether or not authorized by you.
You must immediately notify us of any unauthorized use of your Log-in Credentials or any other breach of security.
We will not be liable for any loss that you may incur as a result of someone else using your Log-in Credentials, with or without your knowledge.
However, you could be held liable for losses incurred by us or another party due to someone else using your Log-in Credentials.</p>RECURRING CREDIT/DEBIT CARD PAYMENTS<p>You understand and agree that we will charge the credit or debit card you use to purchase an insurance policy.
Thereafter, we will automatically charge the card monthly for the monthly premium.
If you initiate changes to your policy that increase your monthly premium, we will charge the card immediately for the pro-rated value of the increase, then resume monthly charges for the new premium amount.
Your renters policy is a one-year contract.
Your auto policy is a six-month contract.
Should we choose to insure you for another year or six months, respectively, we will automatically charge the card for the new monthly premium.
We will do the same for any subsequent renewals.
You may cancel these recurring payments by cancelling your policy.
You may cancel your policy by logging in to your account and changing your Account Settings under the My Coverage page.</p>PAYMENT PROCESSOR<p>We use Stripe (https://stripe.com), a third-party payment platform, in connection with the Site and Services to process your payments.
By using the Services, you agree that Stripe can collect, use, retain, and disclose information that we or you provide to Stripe in accordance with Stripe’s privacy policy (https://stripe.com/privacy).</p>LINKED ACCOUNTS AND SOCIAL NETWORKING SITES<p>We may, now or in the future, allow you to link your Toggle® account to your account(s) on third party services, such as social networking sites (“Linked Accounts”).
If you choose to add any Linked Accounts, you are authorizing us to store and use your log-in credentials to access your Linked Account on your behalf as your agent for the purpose of integrating your Toggle account with content and features available through your Linked Account.
This may include importing the contacts, preferences, interests or “likes” of the Linked Account, and/or pushing updates regarding your use of the Services to your Linked Accounts.
Adding Linked Accounts or accessing or using a third-party service via Linked Accounts may be subject to additional terms established by the applicable third party, and it is your sole responsibility to comply with those terms.</p>USER CONTENT<p>We may request that you submit certain content such as text, photos, audiovisual content, and other media content (“User Content”) through the Site or Services.
By providing User Content in this manner (other than personal information subject to our Privacy Policy), you grant to us an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, and transmit such User Content for any purpose, including without limitation, disclosing your User Content as necessary to satisfy any law, regulation, or governmental request.</p>
<p>We shall not be subject to any obligations of confidentiality regarding any information or materials that you submit except as specified in the Privacy Policy, as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.</p>SUBMISSIONS<p>If you submit any ideas, suggestions, or proposals (collectively, “Submissions”) relating to the Site or Services (or other products or services) to us through any means, you acknowledge and agree that: (a) your Submissions do not contain confidential or proprietary information.
(b) we can share your Submissions with third parties.
(c) we are entitled to use (or choose not to use) any Submissions for any purpose, in any way.
(d) your Submissions automatically become our property.
and (e) you are not entitled to any compensation or reimbursement of any kind from us for your Submissions.</p>COMMUNICATIONS<p>In connection with your use of the Site or Services, we may send you announcements, administrative messages, and other information.
You may opt out of some of those communications.</p>INTELLECTUAL PROPERTY<p>All right, title, and interest in and to the Site and Services, including the Toggle® name and logo, the Farmers Insurance® name and logo, and other trademarks, service marks, and copyright are the property of Farmers Group, Inc.® and/or its affiliates or licensors.
Except as expressly provided in “Permitted Use”, you may not use, reproduce, modify, transmit, distribute, publicly display or perform any portion of the Site or Services without our prior written permission.
We reserve all rights not expressly granted in and to the Site and Services.</p>THIRD PARTY LINKS AND SERVICES<p>This Site may contain links to third-party websites that are not owned or controlled by us.
We make no representation regarding the content, or accuracy thereof, of any third-party website.
Links to third-party websites are offered for convenience and for informational purposes only and are not intended as a referral or endorsement by us of the third-party website.
We assume no responsibility and/or liability for the content, privacy policies, or practices of any third-party websites.</p>
<p>If you access any third party's website, service, or content from this Site, you do so at your own risk.
By using this Site or the Services, you expressly release us from any liability arising from your use of any third-party website, information, materials, products, or services.
Accordingly, we encourage you to be aware when you have left this Site and to read the terms and conditions and privacy policy of each other website that you visit.</p>DISCLAIMER OF WARRANTIES<p>This Site, and any Services available through this Site (collectively, "Materials"), are provided to you on an "as is," "as available" basis without warranty of any kind, either express or implied, including without limitation to any implied warranties of merchantability, fitness for a particular purpose, quiet enjoyment, systems integration, accuracy, and non-infringement.</p>
<p>We do not endorse nor make any warranty as to the accuracy, completeness, currency, or reliability of the Materials.
We make no representations or warranties that (a) use of the Materials will be uninterrupted or error-free.
(b) defects will be corrected.
or (c) the Site, any communications we send, including via e-mail, or the server that makes the Site available are free of viruses or any</p>
<p>Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you if you are a resident of one of those states.
You may also have other legal rights that vary from state to state.</p>LIMITATION OF LIABILITY<p>Your use of the Materials is at your own risk.
We shall not be liable, whether based in contract, tort, negligence, strict liability or otherwise, for any direct, indirect, incidental, consequential, or special damages (even if we or our representative have been advised of the possibility of such damages) arising out of or in any way connected with (a) access to, use of or inability to use the Site or Services.
(b) your reliance upon the Materials.
(c) unauthorized access to or alteration of your transmissions or personal data.
(d) our actions or omissions taken in reliance on your account information, changes to your account information, and/or any notices or requests received from your account.
(e) your failure to protect the confidentiality of any passwords or access rights to your account information.
and (e) mistakes, omissions, errors, interruptions, delays or computer viruses, whether caused in whole or in part by negligence, acts of god, theft or destruction of, or unauthorized access to this Site or the Materials.</p>
<p>This limitation of liability may be different in connection with specific products and services we offer.
Some states do not allow the limitation of liability, so the foregoing limitation may not apply to you.</p>INDEMNITY<p>You agree to defend and indemnify us from any and all third party claims, liability, damages, expenses and costs (including reasonable attorneys’ fees) caused by or arising from your use of this Site or the Materials in a manner not expressly authorized by these Terms or that violates these Terms, any law, or the rights of a third party.</p>GOVERNING LAW AND JURISDICTION<p>These Terms and your use of the Site and Services are governed in all respects by the laws of the State of California, without giving effect to any principles of conflicts of laws.
Any dispute concerning the Site or Services or these Terms shall be subject to the exclusive venue of a court of competent jurisdiction in Los Angeles County in the State of California.</p>ELECTRONIC COMMUNICATION<p>By using the Site, or any Services made available through the Site, you agree to have all documents and communications (collectively, “Documents”), including the insurance policy, provided to you in electronic form.
This consent, unless withdrawn, applies to all transactions between you and us.
You have the right to receive Documents from us, including the insurance policy, in paper form, if you wish, by withdrawing this consent. <strong>Before you withdraw your consent to electronic communication, including receiving the insurance policy electronically, please know that you can easily download, print, or email your insurance documents from your account.</strong>
</p>
<p>If you withdraw your consent for us to provide you with records in electronic form, we will, from that point forward, provide with you with records in paper form.
To withdraw your consent, you must email us at support@gettoggle.com with the following subject line “WITHDRAW ELECTRONIC CONSENT.” The body of the email must include your name, policy number, effective and expiration dates of the policy, the effective date of your withdrawal and whether you want (a) all communications to be in paper form and (b) your insurance policy to be sent to you in paper form.</p>
<p>We reserve the right to charge you a fee, except where prohibited by law, of $5.00 for paper delivery of your insurance policy, any installment invoice and any policy endorsement or communication, if requested by you.
This fee does not apply in California.</p>
<p>If you need to update or modify your email address associated with your Toggle policy, you may contact our service representatives at www.gettoggle.com for assistance.</p>HARDWARE AND SOFTWARE REQUIREMENTS<p>In order to access, view and retain Documents that we send you electronically, including your insurance policy, you need a valid email address, access to an internet browser, and Adobe® Reader®software (this software is available for download free of charge at http://get.adobe.com/reader/).
If you wish to print Documents, you must also have access to a printer.
If you want to download and save Documents, you must have sufficient electronic memory on your hard drive or other media storage device.</p>
<p>You may incur costs associated with electronic access to Documents, such as usage charges from your internet service provider.</p>
<p>By using the Services, you acknowledge that you have the minimum hardware and software requirements listed in this section.</p>FRAUD WARNING<p>Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any material fact thereto, commits a fraudulent insurance act, and may be subject to fines, restitution, or confinement in prison, or any combination thereof.</p>
<p>Certain states have specific fraud warnings.
If you are located in one of these states, please take time to review the appropriate warning prior to submitting your application or claim.</p>
<p>
<strong>ARIZONA:</strong> For your protection Arizona law requires the following statement to appear on this form.
Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.</p>
<p>
<strong>KENTUCKY:</strong> Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals for the purpose of misleading, information concerning any material fact thereto, commits a fraudulent insurance act, and may be subject to fines, restitution, or confinement in prison, or any combination thereof.</p>
<p>
<strong>OHIO:</strong> Any person who, with the intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.</p>
<p>
<strong>OKLAHOMA:</strong> WARNING Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.</p>
<p>
<strong>OREGON:</strong> Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any material fact thereto, may have committed a fraudulent insurance act, and may be subject to fines, restitution, or confinement in prison, or any combination thereof.</p>
<p>
<strong>PENNSYLVANIA:</strong> Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.</p>
<p>
<strong>VIRGINIA:</strong> It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company.
Penalties include imprisonment, fines and denial of insurance benefit.</p>ACCESSIBILITY<p>If our website is not fully accessible to you, please contact us at support@gettoggle.com.
Please include any details that will help us resolve the issue, such as a description of the problem, and your preferred contact information.
Toggle is committed to making our website accessible to everyone.</p>MISCELLANEOUS<p>We reserve the right to discontinue or modify any aspect of the Site or Services at any time.
These Terms, together with the Privacy Policy, and any other legal notices published by us on the Site, constitute the entire agreement between us concerning the Services.
If any provision of these Terms is deemed invalid by a court of competent jurisdiction, the invalidity of that provision will not affect the validity of the remaining provisions of these Terms, which will remain in full force and effect.</p>