Terms of Use

Effective July 18, 2026 · Last updated July 18, 2026

These Terms govern use of this website, operated for Markist Athelus, Financial Services Agent with Farmers Insurance. By using the site, you agree to them.

1. General information only

Content here is general information, not insurance, investment, tax, or legal advice, a recommendation, a guarantee, a binder, or an offer to sell a security. Products are subject to eligibility, underwriting, availability, and the terms of the issued policy or contract.

2. No coverage or transaction by website

Submitting a form, email, or text does not bind, change, or cancel coverage, complete a securities transaction, or guarantee an appointment. Do not use the site to report an emergency or a time-sensitive claim — call the office or the insurer.

3. Acceptable use

You must be 18+ to submit information. Don’t submit false information or someone else’s data without permission, interfere with the site, attempt unauthorized access, or use it unlawfully.

4. Text messaging

The optional SMS program is governed by our SMS Terms & Conditions and Privacy Policy, incorporated by reference. Consent is not a condition of purchase. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

5. Intellectual property

Site content is protected by applicable law. Farmers Insurance and related marks belong to their respective owners and are used by an authorized agent to identify the companies represented. No license is granted except to use the site for its informational purpose.

6. External links

Third-party sites are governed by their own terms and policies. A link is not an endorsement.

7. Disclaimer and limitation

The site is provided “as is” and “as available,” without warranties of any kind. To the fullest extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages arising from its use. Nothing here limits a right you have under an issued policy or under Texas law.

8. Governing law

These Terms are governed by the laws of Texas, without regard to conflict-of-laws rules; disputes lie in the state or federal courts of Collin County, Texas.

9. Changes and contact

We may update these Terms; the effective date shows the current version. Markist Athelus, 5830 Granite Parkway, Ste 100-356, Plano, TX 75024 · 361-717-4215.