This Privacy Policy ("Policy") applies to www.deflatemybills.com, and Golden Agency LLC, doing business as Farmers Insurance ("Company"), and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to the Company include www.deflatemybills.com. The Company's website collects insurance quote requests for Golden Agency LLC (dba Farmers Insurance). Quote requests submitted through this Site are received and handled by Golden Agency LLC only; they are not sold, distributed, or forwarded to unrelated insurance agencies or third-party lead buyers. By using the Company website, you consent to the data practices described in this statement. Your access and use of this website are subject to your acceptance of these Terms of Use. If you do not agree with any part of these terms, please refrain from using this website. You must be at least 18 years old to access and use this website. By accessing and using this website, and by agreeing to these Terms of Use, you confirm that you are at least 18 years old. By accepting these Terms of Use and using this website, you acknowledge that you are waiving certain legal rights, including the right to initiate a claim in court or to participate in a class action lawsuit. Additionally, you agree to resolve any and all claims and disputes through mandatory binding individual arbitration, as outlined in the "Dispute Resolution (Arbitration Agreement)" section below.
Collection of your Personal Information
In order to better provide you with products and services offered, the Company may collect personally identifiable information, such as your: First and last name, Mailing address, Email address, Phone number, and any other personal information necessary to obtain an Insurance quote. The Company may also collect anonymous demographic information, which is not unique to you, such as your Age and Gender. We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services, including: (a) sending us an email message; (b) submitting your credit card or other payment information when ordering and purchasing products and services. We will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us.
Use of your Personal Information
The Company collects and uses your personal information in the following ways: to operate and deliver the services you have requested; to provide you with information, products, or services that you request from us; to provide you with notices about your account; to carry out the Company's obligations and enforce our rights arising from any contracts entered between you and us, including for billing and collection; to notify you about changes to our www.deflatemybills.com or any products or services we offer or provide through it; in any other way we may describe when you provide the information; for any other purpose with your consent. The Company may also use your personally identifiable information to inform you of other products or services available from the Company.
Automatically Collected Information
The Company may automatically collect information about your computer hardware and software. This information can include your IP address, browser type, domain names, access times, and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding the use of the Company's website.
Use of Cookies
The Company's website may use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the web server that you have returned to a specific page. When you return to the same website, the information you previously provided can be retrieved, so you can easily use the Company's features that you customized. You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser settings to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Company's services or websites you visit.
Security of your Personal Information
The Company secures your personal information from unauthorized access, use, or disclosure. The Company uses the following methods for this purpose: SSL Protocol. When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol. We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet that are beyond our control; and (b) the security, integrity, and privacy of any and all information and data exchanged between you and us through this site cannot be guaranteed.
Right to Deletion
Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will delete your personal information from our records and direct any service providers to delete your personal information from their records. Please note that we may not be able to comply with requests to delete your personal information if it is necessary to: complete the transaction for which the personal information was collected; detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; debug to identify and repair errors that impair existing intended functionality; exercise free speech or another right provided for by law; comply with the California Electronic Communications Privacy Act; engage in public or peer-reviewed scientific, historical, or statistical research in the public interest; enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us; comply with an existing legal obligation; or otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.
Children Under Thirteen
The Company does not knowingly collect personally identifiable information from children under the age of 13. If you are under the age of 13, you must ask your parent or guardian for permission to use this website.
Opt Out and Unsubscribe from Third-Party Communications
We respect your privacy and give you an opportunity to opt out of receiving announcements of certain information. Users may opt out of receiving any or all communications from the Company by contacting us here: Web page: www.deflatemybills.com/optout, Email: support@deflatemybills.com, Phone: 281-957-3444.
Email Communications
From time to time, the Company may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. In order to improve our services, we may receive a notification when you open an email from the Company or click on a link therein. If you would like to stop receiving marketing or promotional communications via email from the Company, you may opt out of such communications by replying STOP or clicking on the unsubscribe button.
SMS Communication
Golden Agency LLC (dba Farmers Insurance, operating DeflateMyBills.com) operates an optional SMS messaging program to send automated customer-care and marketing text messages about insurance quotes, follow-ups, and coverage or bundling offers. Participation requires your separate, explicit opt-in by checking the SMS consent checkbox on our quote request forms. Providing your phone number on a quote form does not, by itself, enroll you in SMS messaging. Consent to receive text messages is not a condition of purchase. Message frequency varies. Message and data rates may apply. You can opt out of receiving SMS messages at any time by texting STOP. To re-subscribe, text START. For assistance, text HELP or call 281-957-3444. Carriers do not guarantee the delivery of messages and are not responsible for delayed or undelivered messages. Your mobile information and SMS consent are used only by Golden Agency LLC for its services and this messaging program. Your mobile information and SMS consent will not be sold or shared with third parties for promotional or marketing purposes. Service providers may process this information solely on our behalf as necessary to operate the website, securely store submissions, and deliver messages.
External Data Storage Sites
We may store your data on servers provided by third-party hosting vendors with whom we have contracted.
Dispute Resolution (Arbitration Agreement)
By agreeing to these Terms of Use, you acknowledge and consent that any dispute, whether in contract, tort, statute, or otherwise (including, but not limited to, disputes under the Telephone Consumer Protection Act or equivalent statutes, and disputes regarding the validity, interpretation, and scope of this arbitration provision or the arbitrability of any claim or dispute), arising from or related in any way to these Terms of Use, your utilization of this website, any resulting relationship or transaction with Golden Agency LLC, or any communications received from or on behalf of Golden Agency LLC, shall be subject to mandatory binding individual arbitration. The arbitration shall be administered by the American Arbitration Association ("AAA"), resolved under the Federal Arbitration Act ("FAA"), and governed by the Commercial Rules of the AAA in effect at the time of the claim or dispute. Before initiating arbitration with AAA, the parties must make good faith attempts to reach an informal resolution of any dispute for a period of thirty (30) days. The arbitrator shall have sole and exclusive authority to resolve all arbitrability issues and apply applicable substantive law in accordance with the FAA and AAA Rules during arbitration. By accepting this Arbitration Agreement, you waive the rights to pursue a claim in court, to a trial by jury, or to participate in any class action, either as a class representative or member.
Indemnification
You agree to indemnify Golden Agency LLC and agree to hold Golden Agency LLC harmless from any losses, damages, costs, liabilities, and expenses (including legal fees and any amounts paid by Golden Agency LLC to a third party in settlement of a claim or dispute upon the advice of Golden Agency LLC legal advisors) incurred or suffered by Golden Agency LLC arising from any violation by you of any provision of these terms and conditions, or arising from any claim that you have violated any provision of these terms and conditions.
Release of Claims
In the event of any dispute with a third party arising from or related to the use of the Site, you agree to release, remise, and forever discharge Golden Agency LLC and its agents, directors, officers, employees, shareholders, and all related persons or entities from any and all rights, complaints, demands, claims, causes of action, proceedings, obligations, liabilities, legal fees, costs, and disbursements, whether known or unknown, that arise from or are connected with such dispute or your use of the Site. If you are a California resident, you waive California Civil Code Section 1542, which states: "A general release does not extend to claims that the creditor does not know or suspect to exist in their favor at the time of executing the release, which, if known, would have materially affected the settlement with the debtor."
Changes to This Statement
The Company reserves the right to change this Policy from time to time. For example, when there are changes in our services, changes in our data protection practices, or changes in the law. When changes to this Policy are significant, we will inform you. You may receive a notice by sending an email to the primary email address specified in your account, by placing a prominent notice on our Golden Agency LLC, and/or by updating any privacy information. Your continued use of the website and/or services available after such modifications will constitute your: (a) acknowledgment of the modified Policy; and (b) agreement to abide and be bound by that Policy.
Contact Information
The Company welcomes your questions or comments regarding this Policy. If you believe that the Company has not adhered to this Policy, please contact the Company at: Golden Agency LLC, 25420 Kuykendahl rd. Ste E100, Tomball, Texas 77375. Email Address: support@deflatemybills.com. Phone Number: 281-957-3444. Effective as of October 1, 2026.