Effective date: January 1, 2026
These Terms & Services ("Terms") govern your access to and use of folkpiction.com and related services provided by Folkpiction ("Company," "we," or "us"). Please read them carefully. By visiting the website, submitting a form, or subscribing to communications, you agree to be bound by these Terms.
You must be at least 18 years old and capable of entering a binding contract to use our services. If you create an account or portal login, you are responsible for maintaining the confidentiality of credentials and for all activity under your account. Notify us promptly through the contact form if you suspect unauthorized access.
Folkpiction provides insurance information, marketing, and agency services. Website content is for general educational purposes and does not constitute legal, tax, or financial advice. Coverage is subject to underwriting approval, policy documents, and endorsements issued by the applicable insurance carrier. Quotes displayed or discussed are estimates until formally bound.
You agree not to misuse the website, including attempting to gain unauthorized access to systems, transmitting malware, scraping content for commercial redistribution without permission, submitting false information on applications, or harassing our staff or other users. We may suspend access for conduct that violates these Terms or applicable law.
All trademarks, logos, text, graphics, and software on folkpiction.com are owned by Folkpiction or licensed to us. You may view and print pages for personal, non-commercial use. Any other reproduction, modification, or distribution requires prior written consent.
Information you submit through forms must be accurate to the best of your knowledge. You grant us a limited license to use submissions to provide quotes, service policies, and improve our offerings. Do not upload content that infringes third-party rights or contains sensitive data unrelated to insurance unless we request it.
By providing your email address, you consent to receive transactional messages related to your requests. Marketing emails are sent only with your consent and include an unsubscribe mechanism. See our Privacy Policy for data handling details.
We work with independent insurance companies and technology vendors. Their terms and privacy policies apply when you purchase coverage or use their portals. We are not liable for carrier insolvency, claim denials based on policy language, or service interruptions caused by third parties beyond our reasonable control.
THE WEBSITE AND CONTENT ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT UNINTERRUPTED OR ERROR-FREE OPERATION.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FOLKPICTION AND ITS OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE WEBSITE OR RELIANCE ON INFORMATION PROVIDED, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR DIRECT DAMAGES SHALL NOT EXCEED THE AMOUNT YOU PAID US FOR AGENCY SERVICES IN THE TWELVE MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS IF NO FEES WERE PAID.
You agree to indemnify and hold harmless Folkpiction from claims, damages, and expenses (including reasonable attorneys' fees) arising from your violation of these Terms, misuse of the website, or inaccurate information provided in applications.
These Terms are governed by the laws of the jurisdiction in which Folkpiction is organized, without regard to conflict-of-law principles. Disputes shall first be addressed through good-faith negotiation. If unresolved, disputes may be submitted to binding arbitration or courts of competent jurisdiction as permitted by applicable law.
We may revise these Terms at any time by posting an updated version on this page. Your continued use after changes become effective constitutes acceptance. Material changes may also be communicated via email where appropriate.
If any provision is found unenforceable, the remaining provisions remain in effect. These Terms, together with the Privacy Policy and any signed agency agreements, constitute the entire agreement regarding website use.
Questions about these Terms may be submitted through our Contact Us page.
