Terms of Use

1. Acceptance of these terms

These Terms of Use ("Terms") are an agreement between you and Tina Gregory Insurance Agency LLC, doing business as Tina Gregory Agency ("we," "us," or "our"), governing your use of tinagregoryagency.com (the "Site"). By using the Site or submitting a form on it, you agree to these Terms, including the arbitration agreement and class action waiver, and to our Privacy Policy. If you do not agree, please do not use the Site.

You must be at least 18 years old and legally able to enter into contracts to use this Site.

2. About our agency

Tina Gregory Insurance Agency LLC, doing business as Tina Gregory Agency, is a Missouri-licensed insurance agency and a Farmers Insurance® agency located at 878 Dunsford Dr, Sullivan, MO 63080, owned by Tina Gregory. Our license information is available on request and can be verified through the Missouri Department of Commerce and Insurance at insurance.mo.gov.

Farmers is our primary company. Farmers, Foremost® and Bristol West® policies are underwritten by companies of the Farmers Insurance Group. When Farmers isn't the best fit, policies from other insurance companies, such as Progressive and Liberty Mutual, are offered through Kraft Lake Insurance Agency, Inc., an insurance agency owned by Farmers that holds appointments only with non-Farmers insurance companies and acts as the agent of those companies, not of Farmers.

We are licensed in Missouri and cannot quote, sell, or service insurance where we are not licensed. Products, coverages, discounts, and eligibility vary by insurance company, by product, and by your circumstances, and not every product or company is available in every situation.

This Site is an advertisement for insurance. We are an insurance agency, not an insurance company. Policies are issued and underwritten by the insurance company named in your policy, and coverage decisions, claim decisions, and policy terms are made by that company under the policy contract. Nothing on this Site binds coverage.

3. No coverage is bound here

Do not cancel existing insurance based on a quote from this Site. Wait until your new policy is issued and confirmed in writing. In Missouri, a gap in auto coverage can lead to license and registration trouble.

4. Quotes and estimates

A quote is an estimate of what a policy may cost based on the information you provide. It is not an offer to insure and it is not a contract.

The final premium is set by the insurance company through underwriting and often differs from an initial quote. The insurance company verifies the information you supply and typically reviews other sources, including motor vehicle records, insurance loss-history reports, prior claims databases, and, where the law permits, other rating factors. Any of these can change your price or your eligibility.

Discounts mentioned on this Site are subject to eligibility, vary by company, and are not available in all situations; we do not promise any specific savings. Your results depend on your own circumstances, your current coverage, and the insurance company's rating of your risk. Many people save nothing by switching, and some pay more.

5. The rate estimator

The rate estimator on our Site is an educational tool. It uses generalized assumptions to show roughly how insurance is priced. It is not a quote, it does not reflect Farmers' or any other insurer's actual rating, and no insurance company has reviewed or approved its output. Do not make coverage decisions based on it. For an actual quote, use our quote form or call us.

6. Site content is general information

Coverage guides, calculators, and coverage descriptions on this Site are general information about insurance, with a focus on Missouri. They are not a policy, not a promise of coverage, and not legal, tax, or financial advice. Your policy documents control what is and is not covered. Laws, rates, and insurer guidelines change, so some content may be out of date when you read it. Confirm anything important with a licensed agent.

7. Information you submit

You agree to provide information that is accurate, current, and complete, and to promptly correct anything that changes. Insurance pricing depends on the accuracy of what you tell us. Giving false or incomplete information on an insurance application can void your policy, cause a claim to be denied, and in some circumstances is insurance fraud under Missouri law.

Submit only your own information, or information about another person you are authorized to share (for example, a driver in your household). The phone number you give us must be one you own or regularly use. If that number changes or is reassigned, please tell us so we do not contact the wrong person.

If you send us feedback, you allow us to use it to improve our service. We will not publish your name with your feedback without your permission.

8. Consent to be contacted by call and text

When you click the submit button on one of our forms, you give Tina Gregory Insurance Agency LLC (Tina Gregory Agency) and its licensed agents, and, for quotes from insurance companies other than Farmers, Kraft Lake Insurance Agency, your prior express written consent, by electronic signature, to contact you with calls and text messages — including marketing calls and texts made using automated technology or an artificial or prerecorded voice — and by email, at the phone number and email address you provided, "about my insurance quote and related insurance products and services," as the consent wording on our forms states, even if your number is on the National Do Not Call Registry, the Missouri No-Call list, or another Do Not Call list.

• Consent is not a condition of purchase. You can decline and still get a quote by calling (573) 358-4513.
• Only us. Your consent covers Tina Gregory Agency and its licensed agents and, only for a non-Farmers quote, Kraft Lake Insurance Agency. Your information is never sold, rented, or traded, and never shared with other agencies for their marketing. We share quote information only with the insurance company you ask us to quote, as described in our Privacy Policy.
• Texts. Message frequency varies. Message and data rates may apply. Reply STOP (or CANCEL, END, QUIT, UNSUBSCRIBE, REVOKE, or OPT OUT) to opt out, and HELP for help.
• Withdrawing consent. You can revoke consent at any time by any reasonable means — replying STOP, telling us on a call, emailing, writing to us, or telling us in person at our office. We honor revocations promptly and no later than 10 business days after we receive them, and keep Do Not Call requests for ten years.
• Calling hours. We call only between 8 a.m. and 9 p.m. in your local time.
• Policy service. STOP ends automated texts from us to that number. If you are a client, we will still reach you about an existing policy (renewal, billing, or claim notices) by manual phone call, email, or mail.

More detail is in the Calls, texts and Do Not Call section of our Privacy Policy.

9. E-SIGN consent

Under the federal Electronic Signatures in Global and National Commerce Act ("E-SIGN Act," 15 U.S.C. 7001 et seq.) and the Missouri Uniform Electronic Transactions Act (RSMo 432.200 et seq.), you consent to do business with us electronically and agree that:

• Your electronic signature — including clicking a button, checking a box, or typing your name — has the same legal effect as a handwritten signature
• We may provide disclosures, notices, and other records about your use of this Site and your quote request to you electronically, including by email or by posting them online. Insurance policy documents are delivered under the insurance company's own electronic-delivery terms.
• Electronic records satisfy any legal requirement that such records be in writing

Hardware and software you need: a device with internet access, a current web browser, an active email account, and the ability to view PDF files and to print or save records you want to keep.

Your right to paper: you may request a paper copy of any record we provide electronically, at no charge, by contacting us. Requesting paper copies does not withdraw your consent.

Withdrawing consent: you may withdraw your consent to electronic records at any time by contacting us using the details below. Withdrawal takes effect once we have had a reasonable time to process it, and may mean we cannot offer certain services online. Please keep your email address current with us so we can deliver records to you.

10. Acceptable use

You agree not to use the Site to submit fraudulent, automated, or abusive requests; not to submit another person's information without permission; not to interfere with the Site's operation or try to gain unauthorized access to any system; not to scrape or harvest data from it other than through the published agent tools and text versions we provide; and not to use it in violation of any law. AI assistants acting for a person may submit a quote request only with that person's explicit permission.

11. Intellectual property

The Site's design, text, graphics, and code are owned by Tina Gregory Agency or its licensors and are protected by intellectual property law. You may view and print pages for your own personal, non-commercial use in shopping for insurance. You may not copy, republish, or use our content commercially without our written permission.

Farmers Insurance®, Foremost®, Bristol West® and the names and logos of other insurance companies and brands that appear on this Site, including in our quote form, belong to their respective owners. A logo of a company other than Farmers does not mean that company endorses us.

12. Third-party links and services

Our Site links to and relies on services we do not control, including Farmers and other insurance company websites, Google Maps, and our Facebook and Instagram pages. We are not responsible for the content, accuracy, availability, or practices of third-party sites and services, and a link is not an endorsement. Your use of them is governed by their own terms.

13. Disclaimer of warranties

The Site and its content are provided "as is" and "as available," without warranties of any kind, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

We do not warrant that the Site will be uninterrupted, timely, secure, or error-free, that defects will be corrected, or that the content is accurate, complete, or current. Insurance information changes constantly, and content on this Site may become outdated. Nothing on this Site is legal, tax, or financial advice.

14. Limitation of liability

To the fullest extent permitted by law, Tina Gregory Agency and its owner, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, or business interruption, arising out of or relating to your use of the Site — even if we have been advised of the possibility of such damages.

To the fullest extent permitted by law, our total liability for any claim arising out of or relating to the Site or these Terms will not exceed one hundred dollars ($100). This cap does not apply to statutory damages or remedies that a law, such as the Telephone Consumer Protection Act, provides and does not allow to be limited by contract.

These limits apply only to claims based on the Site and these Terms. They do not limit or waive any rights you have under an insurance policy actually issued to you, or any duty we owe you under Missouri insurance law or other statutes as your licensed agent. Some laws do not allow certain limitations, so parts of this section may not apply to you.

15. Indemnification

You agree to indemnify and hold harmless Tina Gregory Agency and its owner, employees, and agents from any claims, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from your misuse of the Site, your violation of these Terms or any law, or your submission of false information or of another person's information without their permission.

16. Arbitration agreement and class action waiver

Informal resolution first

Most problems can be solved with a phone call. Before starting arbitration, the party with a dispute must send the other a written notice describing the dispute and the relief requested, and both parties agree to try in good faith to resolve it informally for 30 days. Send your notice to the address or email in How to reach us. The parties agree to toll all statutes of limitations and filing-fee deadlines while they are in this 30-day informal process.

Agreement to arbitrate

If the dispute is not resolved within 30 days, you and Tina Gregory Agency agree that any dispute arising out of or relating to these Terms, your use of the Site, or any calls, text messages, or emails from us or on our behalf — including disputes about whether consent was given or revoked — will be resolved by binding individual arbitration rather than in court, except as stated below. This agreement is governed by the Federal Arbitration Act.

Arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect, before a single arbitrator. Hearings will take place, at your choice, in Franklin County, Missouri, in the county where you live, by telephone, by video, or on written submissions. The arbitrator may award any relief available in court on an individual basis, and the arbitrator's decision is final and binding.

Costs

Under the AAA Consumer Arbitration Rules, your share of fees is limited to the consumer filing fee those rules set. We will pay all AAA filing, administration, case-management, and arbitrator fees beyond the consumer's share, and if you cannot afford your share, tell us and we will pay it too. Each party pays its own attorneys' fees unless applicable law or the arbitrator awards them.

Mass Arbitration

If 25 or more similar demands for arbitration are filed against us by the same or coordinated counsel, the AAA's Mass Arbitration Supplementary Rules will apply, and the AAA may administer the demands in batches of up to 25, with one arbitrator per batch and the batches proceeding at the same time. Statutes of limitations are tolled for demands waiting in later batches from the date the first batch is filed. Nothing in this paragraph limits any party's right to seek individual relief.

What is excluded

• Disputes about insurance coverage, claims, or the terms of a policy issued to you — those are governed by the policy contract, Missouri insurance law, and any dispute-resolution provisions in the policy itself
• Individual claims properly brought in small claims court
• Requests by either party for temporary injunctive relief to stop infringement or misuse of intellectual property while an arbitration is pending
• Any claim that applicable law says may not be arbitrated, including claims for public injunctive relief, which may be brought in court

Nothing in these Terms prevents you from filing a complaint with, or giving information to, the Missouri Department of Commerce and Insurance, the Federal Communications Commission (FCC), the Federal Trade Commission (FTC), the Missouri Attorney General, or any other government agency.

Class action and jury trial waiver

You and we agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate claims (except as provided for Mass Arbitration batches above) or preside over any form of representative proceeding. You and we each waive the right to a jury trial. If this class action waiver is found unenforceable as to a particular claim, that claim — and only that claim — will proceed in court, and the rest of this section still applies.

Your right to opt out

You can reject this arbitration agreement and keep your right to go to court. Send us written notice within 30 days of first accepting these Terms, stating your name, address, phone number, and a clear statement that you decline to arbitrate. Mail it to Tina Gregory Insurance Agency LLC, Attn: Arbitration Opt-Out, 878 Dunsford Dr, Sullivan, MO 63080, or email tgregory1@farmersagent.com with "Arbitration Opt-Out" in the subject line. Opting out affects nothing else. It will not change your quote, your price, your eligibility, or how we treat you.

This arbitration agreement survives the end of your relationship with us. If we make a material change to this section, it will not apply to a dispute we already knew about, and you may reject the change by sending an opt-out notice within 30 days of the change.

17. Governing law and venue

These Terms are governed by the Federal Arbitration Act and the laws of the State of Missouri, without regard to conflict of laws rules. For any dispute not subject to arbitration, you and we agree to the exclusive jurisdiction and venue of the state courts located in Franklin County, Missouri, and the federal court whose district includes Franklin County, Missouri.

18. General terms

If any provision of these Terms is held unenforceable, that provision will be limited or severed and the remaining provisions will stay in effect. Our failure to enforce any provision is not a waiver of it. You may not assign these Terms; we may assign them to a successor to our agency. These Terms, together with our Privacy Policy, are the entire agreement between you and us regarding the Site.

We may update these Terms from time to time. Changes take effect when posted, and we will update the "Last updated" date at the top of this page. Changes apply only going forward: they never apply to a dispute that arose, or a claim that was pending, before the change was posted, and changes to the arbitration agreement follow the arbitration change rule above.

19. Accessibility

We want everyone to be able to use this Site, and we work toward the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. If any part of the Site is hard to use with your device or assistive technology, call (573) 358-4513 or email tgregory1@farmersagent.com. We will help you get the information or quote you need another way and work to fix the problem.

20. How to reach us

Questions about these Terms, or about anything on this Site:

If you have an insurance question or complaint, you may contact the Missouri Department of Commerce and Insurance consumer hotline at 800-726-7390 or visit insurance.mo.gov.