Terms of Use

Effective Date: November 26, 2025

Welcome to Owens Insurance Agency Inc. (“Owens Insurance,” “we,” “our,” or “us”). These Terms of Use (“Terms”) govern your use of our website, online forms, and any related services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree, you must discontinue use of the website.

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1. Use of Our Website

a. Eligibility
You must be at least 18 years old and legally capable of entering into a binding agreement.

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b. Accuracy of Information
You agree to provide accurate, truthful, and complete information when using our website or submitting any forms.

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c. Prohibited Activities

You agree not to:

• Violate any laws or regulations

• Interfere with website functionality

• Gain unauthorized access to systems or data

• Use the website for fraudulent, deceptive, or harmful activities

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2. No Binding Coverage or Professional Advice

• Submitting information through this website does not constitute an insurance application, binder, or guarantee of coverage.

• Coverage is not effective until confirmed by a licensed agent of Owens Insurance Agency.

• Website content is provided for general informational purposes and does not constitute legal, financial, or insurance advice.

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3. TCPA Consent for Calls & Text Messages

By providing your phone number—whether through this website, a quote form, social media lead form, or any other means—you consent to Owens Insurance Agency contacting you for insurance-related purposes.

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This may include:

• Phone calls, including autodialed or prerecorded calls

• SMS/MMS text messages

• Voice messages and reminders

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These communications may be sent by us or by our authorized third-party service providers.

Marketing Consent

Promotional messages will only be sent if you provide prior express written consent, as required under the TCPA.

Opt-Out Instructions

You may opt out at any time by:

• Texting STOP to any message

• Calling 909-710-7171

• Emailing info@owensinsuranceinc.com

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Opting out does not affect transactional or service-related communications such as billing, claims, or policy updates.

You confirm that you are the subscriber or legitimate user of the phone number provided and that you understand message/data rates may apply.

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4. Intellectual Property

All content on this website—including text, graphics, logos, images, videos, and software—is owned by Owens Insurance Agency Inc. or its licensors and protected by law. You are granted a limited, non-exclusive, non-transferable license to use the website for personal, non-commercial purposes. You may not reproduce, modify, or distribute content without our written consent.

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5. Third-Party Links

Our website may contain links to third-party websites. We do not control or endorse those sites, and you access them at your own risk.

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6. Disclaimer of Warranties

Our website is provided on an “as is” and “as available” basis. We make no warranties regarding:

• Accuracy or completeness of content

• Availability of the website

• Freedom from errors, defects, viruses, or interruptions

To the fullest extent permitted by law, we disclaim all implied warranties, including merchantability and fitness for a particular purpose.

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7. Limitation of Liability

To the fullest extent permitted by law, Owens Insurance Agency Inc. shall not be liable for any:

• Direct, indirect, incidental, special, or consequential damages

• Data loss, service interruption, or system errors

• Damages resulting from your use or inability to use our website

This limitation applies even if we have been advised of the possibility of such damages.

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8. Indemnification

You agree to indemnify and hold Owens Insurance Agency Inc., its officers, employees, and agents harmless from claims, damages, losses, and expenses (including attorney’s fees) arising from:

• Your use of the website

• Your violation of these Terms

• Your violation of any law or rights of a third party

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9. Modifications to These Terms

We may update these Terms at any time. Changes take effect immediately upon posting. Your continued use of the website constitutes acceptance of the revised Terms.

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10. Governing Law

These Terms are governed by the laws of the State of California. Any disputes shall be resolved exclusively in the state or federal courts located in California.

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11. Contact Information

Owens Insurance Agency Inc.
9320 Baseline Rd, Ste J
Rancho Cucamonga, CA 91701
Phone: 909-710-7171
Email: info@OwensInsuranceInc.com

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By using our website, you acknowledge that you have read, understood, and agreed to these Terms of Use.