Please read these Terms of Use carefully before accessing or using this website. By accessing the website, you agree to be bound by the terms and conditions contained herein. If you do not want to be bound by these terms and conditions, you should not access or use the website. The Ludwig Agency may at any time revise these terms and conditions without notice. Accordingly, you agree to review these Terms of Use periodically, and your continued access or use of this site shall be deemed your acceptance of any modified Terms of Use. The Ludwig Agency reserves the right at any and all times and in its sole discretion to change the contents of this website and the products and services referenced herein. Farm Family reserves all other rights. In this website, we may provide helpful information about commonly used insurance terminology, frequently asked insurance questions, and our Company's products. Information presented on such pages is subject in all respects to the terms, conditions and limitations of insurance policies covering customers. In the unlikely event that there is some conflict between an actual insurance policy and any statements in this website, the terms, conditions and limitations of our insurance policy will govern.

Product Availability

Property/casualty insurance products are offered by Farm Family Casualty Insurance Company and United Farm Family Insurance Company. Life products are offered by Farm Family Life Insurance Company.

The product and/or service descriptions, if any, provided on the Ludwig Agency website are not intended to constitute an offer to sell or a solicitation to buy any product or service. Not all products and services are available in all states, and all products are subject to applicable regulation. Anyone interested in a particular product should contact a Ludwig Agency agent to ascertain whether the product and/or service is available in their jurisdiction and to request additional information about the product.

Professional Advice

The Ludwig Agency is not engaged in rendering any legal or professional services by placing these general informational materials on this web site. If you have a question requiring professional advice, such as a question relating to law, tax or financial planning, please seek the help of a qualified person in the relevant field.

Links to Other Websites

Links to or from third-parties websites are offered as a matter of convenience and in no way are meant to imply that The Ludwig Agency endorses, controls, approves, sponsors, promotes or is affiliated with the owners of or participants in those sites or any material contained therein. Because third party sites are not under The Ludwig Agency's control, The Ludwig Agency cannot guarantee the quality, accuracy, or timeliness of any information contained on these sites. The Ludwig Agency is under no obligation to maintain any link on this website and may remove any such link at any time in its sole discretion for any reason whatsoever. You should check the privacy policies of any site you visit.

Ownership of Materials and Restrictions on Use

The contents of this website, including but not limited to graphics, logos and text, are the property of The Ludwig Agency and Farm Family and its affiliated companies, and are protected by copyright and other intellectual property laws. No permission is granted to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, products or services found on this website.

Privacy

Personal information transmitted to us will be treated in accordance with Farm Family’s Privacy Notice.

You should exercise discretion with respect to the submission of any personal or financial information via e-mail. If you are concerned about the security of your communication, we encourage you to send your correspondence through the postal service or use the telephone to speak directly to us. We are not responsible for the security or confidentiality of communications you send to us through the Internet using e-mail messages.

Limitation on Liability

The Ludwig Agency maintains this website as a service to the Internet community. The information on this website is subject to change without notice, and The Ludwig Agency assumes no commitment to update any information on this website. You use the website at your own risk. ALL INFORMATION AND CONTENT AVAILABLE ON OR ACCESSIBLE FROM THE LUDWIG AGENCY WEBSITE ARE PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. IN NO EVENT SHALL FARM FAMILY BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR ANY OTHER DAMAGES OF ANY KIND WHICH MAY ARISE OUT OF ANY PERSON’S ACCESS OR INABILITY TO ACCESS THIS WEBSITE OR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE. The Ludwig Agency and Farm Family makes no representations or warranties about the accuracy or completeness of the information contained on this website. The Ludwig Agency and Farm Family does not guarantee or warrant that functions will be uninterrupted or error-free, that any information, software or other material available on or accessible through the website are free of viruses, worms, Trojan Horses, or other code that has contaminating or destructive properties. If your use of this website or the materials therein results in the need for servicing or replacing property, equipment, or data, The Ludwig Agency and Farm Family is not responsible for those costs. The Ludwig Agency and Farm Family assumes no responsibility for any consequence relating directly or indirectly to any action or inaction that you or anyone else takes based on the information, services, or other material from this site.

Violations

The Ludwig Agency reserves the right to restrict or terminate your access to the website, or any feature or part thereof, for violation of these Terms of Use or any applicable law, statute, ordinance or regulation.

Governing Law

The Terms of Use and your use of this website shall be governed by and construed in accordance with the laws of the state of New York, without regard to its conflicts of laws provisions. If any provision is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.