Effective Date: December 2, 2025

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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. This may include:

• Phone calls, including autodialed or prerecorded calls

• SMS/MMS text messages

• Voice messages and reminders

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

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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

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

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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. Mobile Messaging Terms and Conditions

(Required by your texting platform – now fully integrated)

Owens Insurance Agency Inc (“Owens Insurance Agency Inc”, “we”, or “us”) operates a mobile messaging program (the “Program”) subject to these Mobile Messaging Terms and Conditions (the “Mobile Messaging Terms”). The Program and our collection and use of your personal information is also subject to our Privacy Policy https://www.owensinsuranceinc.com/privacy-policy. By enrolling, signing up, or otherwise agreeing to participate in the Program, you accept and agree to these Mobile Messaging Terms and our Privacy Policy.

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Program Description

We may send promotional and transactional mobile messages in various formats through the Program. Promotional messages advertise and promote our products and services and may include promotions, specials, other marketing offers, and abandoned checkout reminders. Transactional messages relate to an existing or ongoing transaction and may include order notifications and updates, appointment reminders, and other transaction-related information. Mobile messages may be sent using automated technology, including an autodialer, automated system, or automatic telephone dialing system. Message frequency will vary but will not exceed 5 messages in 1 day. You agree that we may send you messages regarding the foregoing topics or any topic and that such messages and/or calls may be made or placed using different telephone numbers or short codes. We do not charge for mobile messages sent through the Program, but you are responsible for any message and data rates imposed by your mobile provider.

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User Opt-In

By providing your mobile phone number to us, you are voluntarily opting in to the Program and you agree to receive recurring mobile messages from us at the mobile phone number associated with your opt-in, even if such number is registered on any state or federal “Do Not Call” list. You agree that any mobile phone number you provide to us is a valid mobile phone number of which you are the owner or authorized user. If you change your mobile phone number or are no longer the owner or authorized user, you agree to promptly notify us at Emailing info@owensinsuranceinc.com. Your participation in the Program is not required to make any purchase from us and is completely voluntary.

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User Opt-Out and Support

You may opt out of the Program at any time. If you wish to stop receiving mobile messages from us, reply STOP, QUIT, CANCEL, OPT-OUT, or UNSUBSCRIBE to any mobile message from us. You may continue to receive text messages for a short period while we process your request and may receive a one-time opt-out confirmation message. For support, reply HELP to any mobile message from us. We may change the telephone number or short code used to operate the Program and will notify you of such change.

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Disclaimer of Warranty and Liability

The Program is offered on an “as-is” basis and may not be available in all areas, at all times, or on all mobile providers. Neither we nor our service providers will be liable for any failed, delayed, or misdirected delivery of any mobile message.

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Modifications

We may modify or cancel the Program or any of its features at any time. To the extent permitted by law, we may also modify these Mobile Messaging Terms at any time. Any modifications will take effect when posted to our website. Your continued participation in the Program constitutes your acceptance of those modifications.

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12. Contact Information

Owens Insurance Agency Inc.
8560 Vineyard Ave. Ste 110 Rancho Cucamonga, CA 91730
Phone: 909-710-7171
Email: info@owensinsuranceinc.com