Terms of Service

ONWARD INSURANCE SERVICES — TERMS OF USE

Effective Date: May 1, 2026

1. ACCEPTANCE OF TERMS
By accessing or using this website ("Site"), mobile applications, or any related services (collectively, the "Services"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree, do not use the Services.

These Terms are intended to comply with applicable federal and state laws, including California law, and insurance regulatory requirements.

2. IMPORTANT INSURANCE DISCLOSURES
No Insurance Contract or Binder
The information provided on this Site, including quotes, estimates, or other materials, does NOT constitute an insurance policy, binder, or contract of insurance.

Coverage is not bound and does not take effect unless and until:

  • An application is completed and accepted by ONWARD or an issuing insurer;
  • All underwriting requirements are satisfied;
  • Premium payment is received and processed; and
  • A policy is formally issued.

Quotes Are Estimates Only
All quotes are:

  • Based on information provided by you;
  • Subject to verification and underwriting review;
  • Subject to change at any time.

ONWARD is not responsible for inaccuracies resulting from incomplete or incorrect information provided by you or third parties.

Underwriting and Eligibility
All insurance products are subject to underwriting guidelines and approval. Not all applicants will qualify for coverage.
Coverage availability, terms, and pricing may vary by state and individual risk characteristics.

Producer / Licensing Disclosure
ONWARD Insurance Services operates as a licensed insurance producer where required by law. Licensing information is available upon request. Products may be underwritten by third-party insurance carriers.

3. USE OF THE SITE
You agree to use the Services only for lawful purposes and in accordance with these Terms. You agree not to:

  • Provide false or misleading information;
  • Attempt unauthorized access to systems;
  • Interfere with the operation of the Site;
  • Use automated means (bots, scraping) without permission.

4. APPLICATIONS AND CLAIMS
Accuracy of Information
You represent that all information provided in applications, forms, or claims is truthful and complete.
Misrepresentation or omission of material facts may result in:

  • Denial of claims;
  • Cancellation or rescission of coverage;
  • Legal action.

Claims Submission Disclaimer
Submission of a claim through the Site does not guarantee:

  • Acceptance of the claim;
  • Coverage under a policy;
  • Payment of benefits.

All claims are subject to investigation and policy terms.

5. ELECTRONIC COMMUNICATIONS (E-SIGN CONSENT)
By using the Services, you consent to receive communications electronically, including notices, disclosures, and policy-related documents.
You agree that electronic communications satisfy any legal requirement that such communications be in writing.

6. PRIVACY
Your use of the Services is subject to our Privacy Policy, which is incorporated by reference. Please review it carefully.

7. THIRD-PARTY SERVICES
The Site may include links or integrations with third-party services. ONWARD is not responsible for the content, accuracy, or practices of third parties.

8. INTELLECTUAL PROPERTY
All content on the Site, including text, graphics, logos, and software, is the property of ONWARD or its licensors and is protected by law.
You may not reproduce, distribute, or create derivative works without permission.

9. DISCLAIMER OF WARRANTIES
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." ONWARD DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

ONWARD DOES NOT WARRANT THAT:

  • THE SITE WILL BE ERROR-FREE;
  • INFORMATION IS COMPLETE OR CURRENT;
  • THE SITE WILL BE UNINTERRUPTED OR SECURE.

10. LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ONWARD SHALL NOT BE LIABLE FOR:

  • INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES;
  • LOSS OF PROFITS, DATA, OR USE;
  • ERRORS IN QUOTES OR INFORMATION PROVIDED THROUGH THE SITE.

IN NO EVENT SHALL ONWARD'S TOTAL LIABILITY EXCEED THE AMOUNT PAID BY YOU (IF ANY) FOR USE OF THE SERVICES.
Nothing in these Terms limits liability where prohibited by law.

11. INDEMNIFICATION
You agree to indemnify and hold harmless ONWARD from any claims arising out of:

  • Your misuse of the Services;
  • Your violation of these Terms;
  • Your provision of inaccurate or false information.

12. DISPUTE RESOLUTION
These Terms are governed by the laws of the State of California.
Any disputes shall be resolved in the state or federal courts located in California, unless otherwise required by law.

13. ACCESSIBILITY
ONWARD is committed to providing accessible services. If you require assistance, please contact us at [email protected].

14. CHILDREN'S PRIVACY
The Services are not intended for individuals under the age of 13. We do not knowingly collect personal information from children.

15. MODIFICATIONS
ONWARD may update these Terms at any time. Changes will be effective upon posting. Continued use constitutes acceptance.

16. CONTACT INFORMATION
ONWARD Insurance Services
4751 Wilshire Blvd, Ste 111, Los Angeles, CA 90010
Email: [email protected]
Phone: 833-766-9273

17. ENTIRE AGREEMENT
These Terms constitute the entire agreement regarding use of the Services and supersede prior agreements.