Terms of Service

By using talktofarley.site, you agree to these Terms of Service. If you do not agree, please do not use the site. These terms are between you and Clarity Companion LLC, the operator of this service.

Farley is an AI-powered educational character who explains insurance concepts in plain language. He covers auto, home, life, health, renters, and disability insurance.

Farley is not a licensed insurance agent, broker, or advisor. He is not affiliated with any insurance company. Nothing on this site constitutes a quote, an offer to bind coverage, a recommendation to purchase or cancel insurance, or professional insurance advice of any kind. Farley's responses are educational only.

For advice specific to your situation — coverage amounts, carrier selection, policy comparisons — consult a licensed Ohio insurance professional. Farley can help you understand what questions to ask; he cannot tell you what to buy.

AI-generated responses may be inaccurate, incomplete, outdated, or not applicable to your specific circumstances. Insurance laws, products, and rates change frequently. You should independently verify any information provided by Farley before acting on it.

We are not liable for any decisions you make — financial, coverage-related, or otherwise — based on a conversation with Farley.

This service is designed for Ohio residents seeking general insurance education. Insurance products, requirements, and regulations vary by state. Farley's explanations are oriented toward Ohio law and products and may not be accurate for residents of other states.

You agree to use this site only for its intended educational purpose. You agree not to:

• Attempt to use Farley to obtain fraudulent insurance advice or commit insurance fraud.
• Submit false, misleading, or harmful information through any form on the site.
• Attempt to scrape, reverse engineer, or extract data from the service.
• Use the site in any way that violates applicable law.

If you choose to submit your contact information through the site, that information is used solely to follow up on your insurance education inquiry. It is not sold or shared with insurance companies or third-party marketers. See our Privacy Policy for full details.

We provide this service on an as-available basis without guarantees of uptime or continuity. We may modify or discontinue the service at any time.

To the fullest extent permitted by law, Clarity Companion LLC is not liable for any damages — direct, indirect, incidental, or consequential — arising from your use of or reliance on this site or Farley's responses. This includes decisions made regarding insurance coverage, premiums, carriers, or claims.

This site and Farley's responses are provided "as is." We make no warranty that the information is accurate, current, complete, or suitable for any particular purpose.

We may update these terms periodically. Changes will be posted here with an updated effective date. Continued use constitutes acceptance.

These terms are governed by the laws of the State of Ohio. Disputes shall be resolved in Ohio courts.

Questions about these terms: bryon@claritycompanionllc.com