AFR Privacy Policy

We value you as a customer and take your personal privacy seriously. We will inform you of our policies for collecting, using, securing, and sharing non-public personal information ("customer information") the first time we do business and every year that you are an AFR customer.

Our Privacy Policy

We do not sell customer information.
We do not allow those who are doing business on our behalf to use our customer information for their own marketing purposes.
We require any person or organization providing products or services to customers on our behalf to protect the confidentiality of AFR customer information.
We afford prospective and former customers the same protections as existing customers with respect to the use of personal information.
We only share your customer information with non-affiliated third parties if the third party services are necessary for us to provide you with the insurance products and services you are requesting. For example, we may share your information with auditors required by state or federal laws, with actuary services for the purposes of identifying risks and setting prices, or such other reasons required or allowed by law.

Information we may collect

We collect and use information we believe is necessary to administer our business, to advise you about our products and services, and to provide you with products and customer service. To make our services available to you, we may collect and maintain several types of customer information, and we obtain that information in several ways, such as those ways described below:

From you, in applications for our insurance products or on other forms, through telephone conversations or in-person discussions with your AFR agent. The information we collect from you may include things such as your social security number, address and telephone numbers, family members, and dates of birth, electronic mail address, and other similar information.
From your transactions with us, such as your payment history, underwriting and claim documents.
From non-AFR companies, such as your driving record, medical history and insurance claim history.
From consumer reporting agencies, such as your credit history.

Information Disclosure

We share information about our transactions and experiences with you within the AFR affiliated companies and with AFR agents to assist in meeting your product and service needs. We may also disclose customer information about you to persons or organizations outside our affiliated companies which perform necessary services connected with the administration of our business, or as otherwise permitted or required by law, for auditing and financial regulatory compliance.

We share customer information as necessary to handle your claim and to protect you against fraud and unauthorized transactions. For example, we might share customer information such as name, address, and coverage information with an auto body shop to facilitate repairs on an auto damage claim.

We may share information within AFR affiliated companies obtained from your application, such as your occupation or information obtained from a consumer report, such as your credit history. We may also verify information provided by you, such as your driving record or information regarding your employment, such as your employment history.

We may share your information, including your name, address, electronic mail address, and other personal identifiers with the AFR Cooperative, a separate Section 501(c)(5) farm-service non-profit company who provides educational, legislative, youth programs, and similar services to AFR members. In order to obtain insurance products from American Farmers & Ranchers Mutual Insurance Company, you must be a member of the AFR Cooperative.

01/2026

TERMS OF USE

These terms of use outline the terms and conditions relating to your use of htps://www.afrmic.com and provide additional information about American Farmers & Ranchers Mutual Insurance Company, and its affiliated companies, and its subsidiaries. These terms of use 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 of Use, please stop using and accessing this website immediately.

These Terms of Use only apply to your use of this website. These Terms of Use do not modify, change or alter any agreement or contract between you and AFR.

Your Use of this site

This website is provided by AFR to you for informational purposes only. You should not use this website for any of the following purposes:

You should not use this site to do something illegal.
You should not use this site to engage in defamation, slander, threatening, or harassing behavior.
You should not use this site to perpetuate vulgarity, obscenity, or other crude words or behavior.
You should not use this site to violate someone else’s intellectual property rights.
You should not use this site to perpetrate a fraud, to lie, or to misrepresent the truth, and you agree that any information that you provide through this website will be accurate and truthful to the best of your knowledge and ability.
You should not use this website to send unsolicited marketing or commercial emails to AFR.

AFR reserves the right to disclose any information you enter on the site or provide through the use of this website to law enforcement authori􀆟es when and where appropriate in the discretion of AFR.

insurance coverages and quotes and information

This website is for informational purposes only. The information on this website does not form a part of any insurance contract or insurance policy. Whether a particular occurrence or event is covered depends upon the terms and conditions of your insurance policy.

In the event that you obtain a quote or other inducement to insurance coverage through this website, the quote is only an estimate based upon the information you provided. The quote is not a contract and the quote is not binding on AFR. To obtain coverage, you must submit a completed application for insurance to an appointed AFR agent, subject to underwriting approval, and subject to the terms and conditions of the insurance policy. For further information, contact AFR or an authorized AFR insurance agent.

online claims submissions

If the website allows you to submit a claim to AFR, you should be aware that the submission itself via the website does not commit or require AFR to cover the loss. Rather, online submission process is a convenience to customers and AFR in order for claims information to be efficiently provided to an authorized AFR Claims Representative who can (1) review the information, (2) request further information as may be needed, (3) evaluate the information (and any additional information provided) and your insurance policy, and (4) communicate with you regarding the status of the claim and the decisions of AFR.

AFR's Intellectual Property Rights

AFR’s trademarks, slogans, logos, and other intellectual property, used on this website, are the exclusive property of AFR and its affiliates and subsidiaries. All graphics, text, software, video, and files on this website are the property of AFR (except where otherwise noted). AFR reserves all rights with respect to its intellectual property.
While you may use information on this website for your own informational purposes because of, and for your business or insurance relationship with AFR (such as printing out your insurance information for your personal use), you are not otherwise authorized to use of AFR’s marks, logos, and copyrighted materials. You may not duplicate this website, reverse engineer this website, or use any part of this website within another website.

Disclaimers

This website is provided to you for convenience only, and AFR HEREBY PROVIDES THIS WEBSITE “AS IS” AND WITHOUT ANY WARRANTY OR GUARANTY REGARDING ANY OF THE FOLLOWING:

Any information, services, materials, or other items on this website are provided “as is” and without any expressed or implied warranty of fitness for a particular purpose or merchantability.
AFR does not guarantee the information to be error-free, although best efforts will be made to seasonably update the website.
This website forms no part or basis of the terms and conditions of any insurance contract or policy.
AFR does not guarantee that this website will always be up, live, updated, and available. In the event that you have urgent business with AFR, AFR suggests that you contact AFR at its toll-free hotline or contact an authorized AFR agent.
AFR does not guarantee or warranty any information or links to other companies or businesses that AFR may, from time to time, use in this website; rather, if such information or services are provided, they are provided as a courtesy to the user of this site and AFR would refer to the other business or company for further information.

If you have any questions, concerns, require additional information, or believe the website is inaccurate, in any way, please contact AFR or an authorized AFR insurance agent.

AFR will not be liable, under any circumstances, for any damages arising out of your use of this website.

Online Security/passwords

You should only access areas of the website that you are authorized to access. If you accidentally (or intentionally) enter an area of the website that you do not have authorization to use, you should immediately stop accessing that area. As a part of standard online security protocols, AFR may monitor or view a user’s access of AFR’s website, and such use may be recorded. AFR reserves the right to report any unauthorized use of its website to the appropriate authorities.

While AFR maintains a commitment to online security of its website, you also play a part in that security. PLEASE DO NOT SHARE YOUR PASSWORDS WITH ANYONE. Ensure that your password is sufficiently complex to make discovery complicated or impossible. You should change your password from time to time, and AFR suggests every six (6) months. If you suspect that someone has accessed your account without your approval or knowledge, you could contact AFR.

applicable law

The law of the State of Oklahoma (USA) applies to your use, in any way shape or form, of this website. For any disputes, claims, damages, costs, or expenses that you believe arise out of this website or these Terms of Use, you agree that Oklahoma law applies to such disputes.

To the extent allowed by law, you also agree that any dispute arising out of this website or these Terms of Use, should be adjudicated in the District Court of Oklahoma County, State of Oklahoma, USA, and nowhere else.