Terms and Conditions

Effective Date: October 15, 2025

Welcome to AG-Risk.com (“AG-Risk,” “we,” “us,” or “our”). By accessing or using our website, you agree to comply with these Terms and Conditions (“Terms”). Please review them carefully before using the site.

If you do not agree to these Terms, you may not use AG-Risk.com.

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1. Acceptance of Terms

By using AG-Risk.com, you confirm that you are at least 18 years old (or the legal age of majority in your jurisdiction) and have the authority to agree to these Terms. Your continued use of the Site constitutes your acceptance of these Terms, along with our Privacy Policy

, which is incorporated by reference.

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2. Purpose of the Site

AG-Risk.com provides educational information, resources, and services related to agricultural risk management, insurance, and consulting. The content on this Site is for informational purposes only and should not be interpreted as legal, financial, or professional advice.

You should consult directly with a qualified AG-Risk representative or licensed professional before making business or insurance decisions.

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3. Use of the Site

You agree to use AG-Risk.com only for lawful purposes and in a way that does not infringe on the rights of others or restrict their use of the Site.

You agree not to:

• Access or attempt to access data not intended for you.

• Use any device, software, or routine to interfere with the proper operation of the Site.

• Upload or transmit any malicious code, spam, or harmful materials.

• Use the Site for unauthorized advertising, solicitation, or fraud.

Violation of these terms may result in termination of access or legal action where applicable.

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4. Services and Information Accuracy

We make reasonable efforts to ensure that the information on AG-Risk.com is accurate, complete, and up to date. However, we do not guarantee that the content is error-free or suitable for every situation.

We may modify, update, or discontinue certain parts of the Site at any time without notice. AG-Risk is not responsible for losses that result from reliance on information found on this Site.

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5. Intellectual Property Rights

All text, graphics, logos, icons, images, audio, video, and software on AG-Risk.com are the property of AG-Risk or its licensors and are protected under U.S. and international copyright, trademark, and intellectual property laws.

You may view and print content for personal, non-commercial use only. You may not copy, reproduce, republish, distribute, or modify any material from this Site without prior written permission from AG-Risk.

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6. User Submissions

If you provide information, feedback, testimonials, or other content (“User Submissions”) to AG-Risk.com, you grant us a non-exclusive, royalty-free, worldwide license to use and display that content for marketing, educational, or operational purposes.

You represent that your submissions do not infringe on any intellectual property rights or contain unlawful material. We reserve the right to remove or edit any submissions at our discretion.

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7. Mobile Opt-In & SMS Consent

By voluntarily providing your mobile number and opting in, you consent to receive SMS messages from AG-Risk related to your inquiries, account, or services you have requested.

• Message frequency may vary.

• You can opt out at any time by replying STOP to any message.

• Standard message and data rates may apply.

• Phone numbers collected for SMS communication purposes will not be shared with any third party or affiliates for marketing purposes.

Your consent to receive SMS messages is not a condition of purchasing any product or service.

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8. Third-Party Links

AG-Risk.com may contain links to external websites or resources not owned or controlled by us. We are not responsible for their content, policies, or practices. Accessing third-party links is at your own risk, and you should review their terms and privacy policies before engaging with them.

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9. Disclaimer of Warranties

AG-Risk.com and all information, products, and services are provided on an “as is” and “as available” basis.

We do not guarantee that:

• The Site will be uninterrupted, secure, or error-free.

• Any defects or errors will be corrected.

• The information is complete, accurate, or suitable for your specific needs.

To the fullest extent permitted by law, AG-Risk disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

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10. Limitation of Liability

To the maximum extent permitted by Texas law, AG-Risk, its owners, employees, and affiliates will not be liable for any damages (including loss of profits, data, or goodwill) arising out of or related to your use of this Site or reliance on its content.

This limitation applies whether the claim is based in contract, negligence, tort, strict liability, or otherwise, even if AG-Risk has been advised of the possibility of such damages.

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11. Indemnification

You agree to indemnify and hold harmless AG-Risk, its affiliates, employees, and partners from any claims, damages, or expenses arising out of your use of the Site, violation of these Terms, or infringement of any third-party rights.

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12. Governing Law and Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of the State of Texas, without regard to conflict-of-law principles.

You agree that any disputes or claims arising from your use of AG-Risk.com shall be resolved exclusively in the state or federal courts located in Texas, and you consent to the jurisdiction of those courts.

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13. Termination

We reserve the right to suspend or terminate your access to AG-Risk.com at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users or our business.

Upon termination, your right to use the Site will immediately cease.

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14. Changes to These Terms

AG-Risk may update these Terms periodically to reflect changes in our practices or legal requirements. Updated versions will be posted on this page with a revised “Effective Date.” Continued use of the Site after any changes means you accept the updated Terms.

15. Contact Us

If you have any questions, requests, or concerns about this Privacy Policy or how we handle your information, please contact us:

AG-Risk