Terms & Conditions

Last Updated: 10/30/25

1. Acceptance of Terms

By accessing or using this website (the “Site”), you agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, please discontinue use of the Site.

2. Use of Website

This Site is intended for individuals located within the United States. You may use this Site only for lawful purposes and in accordance with these Terms.

3. Intellectual Property Rights

All content, trademarks, and materials on this Site are the property of Gray & Associates Insurance Group or its licensors and are protected by applicable copyright and trademark laws. You may not reproduce, modify, distribute, or use any materials without written permission.

4. No Guarantee or Binding Coverage

The information provided on this Site is for general informational purposes only and does not constitute an offer to sell or a guarantee of insurance coverage. Coverage availability and terms are determined by Farm Bureau Insurance of Michigan and are subject to underwriting approval.

5. Third-Party Links

This Site may include links to third-party websites for convenience. We do not control, endorse, or assume responsibility for their content or privacy practices.

6. Disclaimer of Warranties

The Site and all information are provided “as is” without warranties of any kind, express or implied, including but not limited to accuracy, reliability, or fitness for a particular purpose.

7. Limitation of Liability

To the fullest extent permitted by law, Gray & Associates Insurance Group shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of the Site or reliance on its content.

8. Indemnification

You agree to indemnify and hold harmless Gray & Associates Insurance Group, its employees, and affiliates from any claims, damages, or expenses arising out of your use of the Site or violation of these Terms.

9. Governing Law

These Terms are governed by the laws of the State of Michigan without regard to its conflict of law principles. Any disputes shall be resolved in the courts of Kalamazoo County, Michigan.

10. Modifications

We may revise these Terms from time to time. Updates will be reflected by the “Last Updated” date.

11. Contact Information

For any questions about these Terms, contact:
Gray & Associates Insurance Group
8589 Gull Rd, Suite 6
Richland, MI 49083
Email: bgray@fbinsmi.com
Phone: (269) 364-2122