Last updated: May 6, 2026

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1. Introduction

Welcome to Owens Insurance Agency Inc. These Terms and Conditions ("Terms") govern your use of our website (https://www.owensinsuranceinc.com) and services. By accessing or using our Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.

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2. Definitions

"Service" refers to our website and all related offerings including digital training and automation services.

"User" refers to any person who accesses or uses the Service.

"Account" refers to your registered profile with us.

"Content" means any information, text, graphics, videos, or other materials uploaded, downloaded, or appearing on the Service.

 

3. Account Responsibilities

You are responsible for maintaining the confidentiality of your account login credentials. You agree to provide accurate, current, and complete information during registration and to keep it updated. Owens Insurance Inc reserves the right to terminate accounts found to be using false or misleading information.

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4. Intellectual Property

All content on this site, including logos, training materials, designs, and code, is the property of Owens Insurance Agency Inc or its licensors. You may not copy, modify, reproduce, or distribute any part of the Service without express written permission.

 

5. Payment and Refund Policy
Payments made for insurance products, broker services, policy fees, or related services may be subject to carrier underwriting approval, cancellation terms, and applicable California insurance laws and regulations. Certain fees and charges may be non-refundable once services have been rendered or coverage has been bound.

Any eligible refunds will be handled in accordance with the applicable insurance carrier guidelines and California law. Broker fees and service fees, when permitted by law, may be fully earned once services are performed and may not be refundable. If you experience any issues or have questions regarding billing or refunds, please contact us at info@owensinsuranceinc.com for assistance.

 

6. User Conduct

You agree not to misuse the Service. Prohibited behaviors include:

Attempting to reverse-engineer or hack our platform.

Sharing login credentials with unauthorized users.

Uploading harmful or illegal content.

Using our content for competitive or commercial purposes without permission.

 

7. Access and Availability

We strive to maintain uptime of our Service, but do not guarantee uninterrupted access. Maintenance, upgrades, or technical issues may temporarily affect site availability.

 

8. Modifications

We reserve the right to update or modify these Terms at any time. If changes are material, we will provide notice via email or site updated date. Continued use of the Service after updates indicates your acceptance.

 

9. Termination

You may terminate your account by contacting info@owensinsuranceinc.com.

 

10. Disclaimer of Warranties

The Service is provided on an "as is" and "as available" basis. We make no warranties or representations regarding the operation, performance, or results of our platform. Use is at your own risk.

 

11. Contact Information

For questions about this policy or to exercise your privacy rights, contact us:

Email: info@owensinsuranceinc.com

Mail: Owens Insurance Agency Inc, 8560 Vineyard Ave. Ste 110 Rancho Cucamonga, California 91730, United States

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SMS Terms & Conditions

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1. SMS Consent Communication:
   The phone numbers you collect as part of the SMS consent process will not be shared with third parties for marketing purposes.                                                                                                                                                  

2. Types of SMS Communications:
   If customers consent to receive SMS messages, they may receive communications such as:
   Example:

   "Hello, this is a reminder of your upcoming payment due with Owens Insurance Agency, Inc Reply STOP to opt out of SMS messaging at any time."

   • Marketing (if applicable)

   • Appointment reminders (if applicable)

   • Follow-up messages (if applicable)

   • Billing inquiries (if applicable)

   • Promotions or offers (if applicable)

3. Message Frequency:
   Message frequency may vary depending on the type of communication. For example, you may send up to 7 messages per week related to [appointments, billing, etc.].
   Example:

   "Message frequency may vary. You may receive up to 7 SMS messages per week regarding your appointments or account status."

4. Potential Fees for SMS Messaging:
   Be aware that standard message and data rates may apply, depending on the recipient’s carrier’s pricing plan. These fees may vary for domestic and international messages.                                                                                                 

5. Opt-In Methods:
   Customers may opt in to receive SMS messages via:

   • Verbally, during a conversation

   • By submitting an online form

   • By filling out a paper form                                                                                                                                 

6. Opt-Out Methods:
   Customers can opt out at any time by replying "STOP" to any SMS message. Alternatively, they can contact you directly to be removed from the messaging list.                                                                                                          

7. Help:
   If customers are experiencing issues, they can reply with "HELP," or you can provide them with direct assistance via a contact link or phone number.                                                                                         

8. Standard Messaging Disclosures:

   • Message and data rates may apply.

   • You can opt out at any time by texting "STOP."

   • For assistance, text "HELP" or visit our Privacy Policy and Terms & Conditions pages.

   • Message frequency may vary.

8. Subscriber Opt-In and Opt-Out Messaging
It is important that your Opt-In and Opt-Out messages comply with the updated guidelines:

• START Message:

  “Thank you for opting into SMS messages from Owens Insurance Agency, Inc. To opt out at any time, reply STOP. For assistance, reply HELP. Message and data rates may apply. Messaging frequency may vary.”

• STOP Message:

  “Thank you for opting out of SMS messages from Owens Insurance Agency,Inc. You will not receive any further SMS communications. To opt back in at any time, reply START.”

• HELP Message:

  “Thank you for contacting Owens Insurance Agency, Inc. For immediate assistance, please call 909-710-7171 or visit www.owensinsuranceinc.com Message and data rates may apply.”