Terms and Conditions of Use

The following outlines the Terms and Conditions relating to your use of ncfbins.com for online account access for North Carolina Farm Bureau Mutual Insurance Company, Inc., its subsidiaries and affiliates (“NCFBMIC”). These Terms and Conditions are applicable to your use of this site regardless of how you accessed it. If you do not wish to be bound by these Terms and Conditions, please discontinue using and accessing this site immediately.

Privacy Policy

To receive information about NCFBMIC’s Privacy Policy, please visit here.

Your use of this site

You may not use this site to engage in any illegal activity. You may not use this site to engage in conduct which is defamatory, libelous, threatening or harassing or that infringes on a third party's intellectual property or other proprietary rights. You agree that any information you provide through this site will be truthful and accurate. NCFBMIC reserves the right to require a customer change their username or answers to security questions, if they are deemed inappropriate at NCFBMIC determines in its sole and absolute discretion that they are inappropriate. NCFBMIC also reserves the right to deny you access to and use of this site and its contents and materials if you violate, as NCFBMIC may determine in its sole and absolute discretion, any provision of the Terms and Conditions of Use.

Disclaimer of Warranties

ALL INFORMATION, SERVICES, MATERIALS, SOFTWARE, CALCULATORS OR OTHER ITEMS ON THIS SITE ARE PROVIDED “AS IS” WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. NCFBMIC DOES NOT WARRANT OR GUARANTEE THAT THIS SITE WILL BE UNINTERRUPTED OR ERROR FREE. ANY RISK ARISING OUT OF USE OR PREFORMANCE OF THE INFORMATION, SERVICES, MATERIALS, SOFTWARE, CALCULATORS OR OTHER ITEMS REMAINS ENTIRELY WITH YOU. UNDER NO CIRCUMSTANCES WILL NCFBMIC BE LIABLE FOR ANY DAMAGES WHATSOEVER ARISING OUT OF THE USE OR PERFORMANCE OF THE INFORMATION, SERVICES, MATERIALS, SOFTWARE, CALCULATORS OR OTHER ITEMS.

Limitation of Liabilities

NCFBMIC’S Liabilities – NCFBMIC, its officers, directors, employees, agents and service providers shall in no event whatsoever be liable to you for any punitive, direct, indirect, special, incidental or consequential damages, including any lost profits, costs of procuring substitute service or lost opportunity, even if you have notified NCFBMIC of the possibility of such damages, or for any claims by any third parties arising out of or in any way related to the access, use or content of this site or any linked web site, whether such claims are brought under any theory of law or equity.

Your Liabilities – If you violate any provision of the Terms and Conditions of Use, NCFBMIC reserves the right to seek any and all remedies available at law and in equity. You agree, at your own expense, to defend, indemnify and hold harmless NCFBMIC from any claim or demand, including but not limited to reasonable attorneys’ fees, made or presented by a third party in connection with or arising out of your access to or use of this site or any of its content or materials in a manner other than is expressly authorized by the Terms and Conditions of Use, your breach of the Terms and Conditions of Use, or your violation of the applicable laws or any rights of any third party.

Secured areas/passwords

Some portions of this site are restricted and require authorization for access. Accessing or using these restricted areas without authorization is prohibited. Any unauthorized access or use of or unauthorized attempts to access or use restricted areas may be monitored and recorded and any information thus obtained may be provided to law enforcement as part of any investigation or prosecution of possible criminal activity on this system. If you are not an authorized user of such areas or do not consent to continued monitoring, you do not attempt to access such these areas.

If you are an authorized user of any restricted area, you are responsible to maintain the security/confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE. If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorized activity related to your account, you should contact NCFBMIC. NCFBMIC will not be responsible for losses or damages resulting from your failure to properly secure your password or the sharing your password with others.

North Carolina Farm Bureau Mutual Insurance Company Intellectual Property Rights

All logos and graphics using the NCFBMIC name are the intellectual property of and/or federally registered trademarks/servicemarks owned by the NCFBMIC and its affiliated organizations. NCFBMIC may possess intellectual property rights in other similar logos, words, or phrases not specifically mentioned here. Intellectual property rights of third parties may apply where noted. Except where otherwise indicated, all materials on this site including but not limited to graphics, text, software, audio, video, and files, are the property of NCFBMIC and are protected by copyright or other intellectual property laws.

NCFBMIC reserves all rights to its intellectual property. You may print out a single copy of pages on this site for your personal, non-commercial use provided that all copyright, trademark or other notices are retained. ALL OTHER USES ARE PROHIBITED.

You are not authorized to use any portion of this site or any other NCFBMIC intellectual property on any other site, in the meta-tags of any other site or in any other materials. You may not modify, publish, create derivative works, copy, distribute, or otherwise use any of this site's content or frame this site within any other site.

Links to/from other sites

For your convenience, NCFBMIC may provide links to other Internet sites that NCFBMIC does not maintain. You should not interpret any link to/from other sites as indicating that NCFBMIC sponsors or endorses the sites or their materials or that the sites are affiliated with NCFBMIC in any manner. NCFBMIC is not responsible for anything contained on such sites and makes no warranties or representations about the contents, products or services offered on such sites. NCFBMIC is not responsible for and makes no warranties or representations about the content, products or services offered on any sites that you may elect to use in connection with this site.

Availability of products and services

NCFBMIC provides insurance products and services solely in the state of North Carolina. The home office is located in Raleigh, North Carolina, with local agency offices staffed in every county in the state.

You may not be eligible for all products and services and NCFBMIC reserves the right to determine such eligibility as permitted by law. Where noted, certain products or services may be subject to specific terms, conditions, representations or agreements. The portions of this site related to such products and services provide additional information about terms, conditions representations, agreements, eligibility and availability.

E-Bill Terms and Conditions

Once you are successfully enrolled in E-Bill delivery, you should expect to stop receiving paper Bill Notices within the next two bill cycles. You are responsible for the payment of any hard copy (paper) bills you receive until you are notified that electronic delivery for the selected policies has been established. E-Bill enrollment options must be selected individually for each registered policy. You will continue to receive paper copies of declarations and other notices. It is your responsibility to provide us with an accurate and complete email address as well as to promptly update any changes to this information.

You may discontinue electronic bill delivery at any time by selecting “No, thanks” on the E-Bill Options page and clicking “Submit” for each policy you wish to change, or by contacting your Agent or Customer Service.

Other agreements

These Terms and Conditions of Use apply to your use of this site and do not change or alter any other contract or agreement between you and NCFBMIC.

Changes to this document

The content of this site and of these Terms of Use are subject to change without prior notice.

Applicable law/severability

These Terms of Use shall be governed by and interpreted according to the laws of the State of North Carolina without respect to any conflict of laws provisions. If any portion of these Terms of Use is unlawful, void or unenforceable, it shall not affect the validity or enforceability of any other provision.