TERMS OF SERVICE

JWR Insurance Group
361 71st Ave, Suite 102
Greeley, CO 80634
(970) 401-8140

Last Updated: November 9, 2025
Effective Date: November 9, 2025

1. ACCEPTANCE OF TERMS

Welcome to JWR Insurance Group ("JWR Insurance," "we," "us," or "our"). These Terms of Service ("Terms," "Agreement") govern your access to and use of our website (jwrinsurance.com and any subdomains), mobile applications, services, and any other platforms or services we provide (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use our Services.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of the Services after changes are posted constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically.

2. ELIGIBILITY AND ACCOUNT REGISTRATION

2.1 Age Requirement

You must be at least 18 years of age to use our Services or purchase insurance products. By using our Services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding contract.

2.2 Accurate Information

When you create an account, submit a quote request, or purchase insurance through our Services, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your information to keep it accurate and current
• Notify us immediately of any unauthorized use of your account

2.3 Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any suspected unauthorized access

We are not liable for any loss or damage arising from your failure to protect your account information.

2.4 Account Termination

We reserve the right to suspend or terminate your account at any time, with or without notice, for:

• Violation of these Terms
• Fraudulent or illegal activity
• Providing false or misleading information
• Any other reason we deem appropriate

3. DESCRIPTION OF SERVICES

3.1 Insurance Agency Services

JWR Insurance is an independent insurance agency licensed in Wyoming, Colorado, and Utah. We provide:

• Insurance quotes and comparisons from multiple carriers
• Insurance policy sales and binding coverage
• Policy servicing, renewals, and modifications
• Claims assistance and support
• Risk assessment and coverage consultation
• Customer service and account management

3.2 Not an Insurance Carrier

Important: JWR Insurance is an insurance agency/broker, not an insurance company or carrier. We represent multiple insurance carriers and act as your agent in obtaining insurance coverage. The insurance policies you purchase are contracts between you and the insurance carrier, not between you and JWR Insurance.

3.3 No Guarantee of Coverage or Rates

• We cannot guarantee that any specific insurance carrier will accept your application
• Quotes provided are estimates and may change based on underwriting review
• Final rates and coverage terms are determined by the insurance carrier
• We make no representations or warranties regarding the availability, cost, or terms of insurance coverage

3.4 Website Features

Our website provides:

• Online quote request forms
• Educational resources and insurance information
• Account access and policy management (where available)
• Claims resources and assistance
• Contact information and communication tools

The website is for informational purposes only and does not constitute insurance advice or a binding offer of insurance coverage.

4. USE OF SERVICES

4.1 Permitted Use

You may use our Services only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Services in any way that violates any applicable federal, state, or local law
• Impersonate any person or entity or falsely state or misrepresent your affiliation with a person or entity
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Services
• Use any robot, spider, scraper, or other automated means to access the Services without our express written permission
• Introduce any viruses, trojan horses, worms, logic bombs, or other harmful material
• Attempt to gain unauthorized access to any portion of the Services or any systems or networks connected to the Services
• Use the Services to transmit any unsolicited advertising, promotional materials, or spam
• Collect or harvest any personally identifiable information from the Services without authorization

4.2 Intellectual Property

All content on our website and Services, including but not limited to:

• Text, graphics, logos, images, videos
• Software, code, and functionality
• Trademarks, service marks, and trade names
• Design elements and user interface

are owned by or licensed to JWR Insurance and are protected by U.S. and international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not:

• Copy, modify, distribute, sell, or lease any part of our Services
• Reverse engineer or attempt to extract the source code of our software
• Use our content for commercial purposes without our express written permission

4.3 Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services for your personal, non-commercial use only.

5. QUOTES AND APPLICATIONS

5.1 Quote Requests

When you submit a quote request through our website or other channels:

• You authorize us to shop your information with multiple insurance carriers
• You authorize us to obtain consumer reports (credit reports, motor vehicle reports, claims history) as necessary for underwriting
• You consent to be contacted by us via phone, email, SMS, or other methods to discuss your quote
• You understand that quotes are estimates only and are subject to underwriting approval

5.2 Application Process

• All insurance applications are subject to carrier underwriting and approval
• You must provide truthful and accurate information on all applications
• Misrepresentation or omission of material facts may result in denial of coverage, cancellation of your policy, or denial of claims
• We reserve the right to decline to quote or bind coverage for any applicant

5.3 Binding Coverage

• Coverage is not bound until you receive written confirmation from us or the insurance carrier
• Payment of premium (or first installment) is typically required before coverage becomes effective
• The insurance carrier's policy documents control the terms and conditions of coverage
• We are not responsible for any gap in coverage if you fail to purchase a policy or if an application is denied

5.4 Policy Documents

• You are responsible for reviewing all policy documents, including declarations, policy forms, and endorsements
• If you have questions about your coverage, you must contact us before the policy effective date
• Failure to review your policy documents does not relieve you of your obligations under the policy

6. PAYMENT TERMS

6.1 Premium Payments

• Insurance premiums are set by the insurance carrier, not by JWR Insurance
• You are responsible for paying all premiums when due according to the payment schedule (monthly, annually, etc.)
• We may charge a policy fee, installment fee, or other agency fees as disclosed at the time of purchase
• Late or non-payment of premiums may result in cancellation of your policy by the carrier

6.2 Payment Methods

We accept payment via:

• Credit card (Visa, Mastercard, American Express, Discover)
• Debit card
• Electronic Funds Transfer (EFT) / ACH
• Check or money order (for certain transactions)

6.3 Payment Authorization

By providing your payment information, you authorize us (and/or the insurance carrier) to charge your payment method for:

• Initial premiums and fees
• Recurring installment payments (if applicable)
• Policy renewal premiums
• Any additional charges related to policy changes or endorsements

6.4 Payment Processing

• We use third-party payment processors to process transactions
• We do not store full credit card numbers on our servers
• You are responsible for ensuring sufficient funds are available for automatic payments
• Returned payments (NSF checks, declined cards) may result in policy cancellation and additional fees

6.5 Refunds

• Refunds are subject to the terms of your insurance policy and the carrier's cancellation provisions
• If you cancel a policy, any refund of unearned premium will be issued by the insurance carrier, not by JWR Insurance
• Agency fees are typically non-refundable
• Refunds may take 7-30 days to process depending on the carrier and payment method

7. INSURANCE POLICIES AND CLAIMS

7.1 Policy Terms Control

• Your insurance coverage is governed by the policy issued by the insurance carrier, not by these Terms of Service
• In the event of any conflict between information on our website and the policy documents, the policy documents control
• We are not responsible for coverage disputes between you and the insurance carrier

7.2 Policy Changes and Cancellations

• You must contact us to request changes to your policy (address changes, coverage changes, adding/removing vehicles or drivers, etc.)
• Changes are subject to carrier approval and may result in additional premium or refunds
• To cancel a policy, you must provide written notice to us or the carrier according to the policy terms
• Mid-term cancellations may be subject to short-rate or pro-rata penalties

7.3 Claims Assistance

• We provide claims assistance and support as a courtesy to our customers
• We do not control the claims process or claims decisions made by the insurance carrier
• You are responsible for promptly reporting claims to the carrier and cooperating with their investigation
• We are not liable for any denial of claims or disputes over claim settlements

7.4 No Guarantee of Claims Payment

• We make no representations or warranties regarding whether a claim will be covered or how much will be paid
• The insurance carrier has sole discretion over claims handling and payment
• If you disagree with a claims decision, you must follow the dispute resolution process outlined in your policy

8. DISCLAIMERS AND WARRANTIES

8.1 No Warranty

THE SERVICES AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties regarding the accuracy, reliability, or completeness of any information on the Services
• Warranties that the Services will be uninterrupted, secure, or error-free
• Warranties regarding the quality or suitability of any insurance products or carriers

8.2 No Professional Advice

• Information on our website is for general informational purposes only and does not constitute professional insurance advice
• We are not attorneys, accountants, or financial advisors
• You should consult with qualified professionals regarding your specific insurance needs and circumstances
• We do not guarantee that the coverage we recommend is adequate for your particular situation

8.3 Third-Party Content

• Our website may contain links to third-party websites, services, or resources
• We do not control or endorse third-party content and are not responsible for the accuracy, legality, or availability of such content
• Your use of third-party websites is at your own risk and subject to their terms and conditions

8.4 No Guarantee of Savings

• Statements regarding potential savings or discounts are estimates only
• Actual savings depend on numerous factors including your individual circumstances, carrier underwriting, and eligibility for discounts
• We cannot guarantee that you will save money by using our Services

9. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY LAW:

9.1 Exclusion of Damages

JWR INSURANCE, ITS OWNERS, OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages arising from your use or inability to use the Services
• Damages arising from any insurance policy, claim, or coverage dispute
• Damages arising from unauthorized access to your account or information
• Damages arising from errors, omissions, interruptions, delays, or defects in the Services

9.2 Cap on Liability

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICES EXCEED THE GREATER OF:

• $500 (FIVE HUNDRED DOLLARS), OR
• THE TOTAL AMOUNT OF AGENCY FEES YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM

9.3 Exceptions

Some jurisdictions do not allow the exclusion or limitation of certain warranties or damages. In such jurisdictions, our liability shall be limited to the maximum extent permitted by law.

9.4 Basis of the Bargain

You acknowledge that the limitations and exclusions of liability in this section are a fundamental element of the agreement between you and JWR Insurance and that we would not provide the Services without these limitations.

10. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless JWR Insurance, its owners, officers, employees, agents, affiliates, and service providers from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your use of the Services or violation of these Terms
• Your violation of any law or the rights of any third party
• Any insurance policy you obtain through our Services
• Any claim, loss, or dispute related to insurance coverage
• Any misrepresentation or omission of information you provide to us or an insurance carrier
• Any content you submit or transmit through the Services

This indemnification obligation will survive termination of these Terms and your use of the Services.

11. DISPUTE RESOLUTION

11.1 Informal Resolution

Before filing a formal dispute, you agree to contact us at (970) 401-8140 or info@jwrinsurance.com to attempt to resolve the issue informally. We will work with you in good faith to resolve any concerns.

11.2 Arbitration Agreement

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

Except where prohibited by law, you and JWR Insurance agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be resolved through binding arbitration rather than in court, except that:

• You may assert claims in small claims court if your claims qualify
• Either party may seek injunctive or equitable relief in court to prevent infringement of intellectual property rights

11.3 Arbitration Procedures

• Arbitration will be conducted by the American Arbitration Association (AAA) under its Commercial Arbitration Rules
• The arbitration will be held in Greeley, Colorado, or another mutually agreed location
• The arbitrator's decision will be final and binding and may be entered as a judgment in any court of competent jurisdiction
• Each party will bear its own costs and attorneys' fees unless the arbitrator awards fees to the prevailing party

11.4 Class Action Waiver

YOU AND JWR INSURANCE AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.

Unless both parties agree otherwise, the arbitrator may not consolidate more than one party's claims and may not preside over any form of representative or class proceeding.

11.5 Opt-Out Right

You have the right to opt out of this arbitration agreement by sending written notice of your decision within 30 days of first accepting these Terms. Notice must be sent to:

JWR Insurance Group
Attn: Arbitration Opt-Out
361 71st Ave, Suite 102
Greeley, CO 80634

Your notice must include your name, address, and a clear statement that you wish to opt out of the arbitration agreement.

11.6 Severability

If any portion of this arbitration provision is found to be unenforceable, the remainder shall remain in effect, except that if the class action waiver is found to be unenforceable, the entire arbitration provision shall be void.

12. GOVERNING LAW AND JURISDICTION

12.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Colorado, without regard to its conflict of law principles.

12.2 Jurisdiction

Subject to the arbitration provision above, you agree that any legal action or proceeding arising out of or relating to these Terms or the Services shall be brought exclusively in the state or federal courts located in Weld County, Colorado, and you consent to the personal jurisdiction of such courts.

12.3 Insurance Policy Disputes

Disputes related to insurance policies are governed by the terms of the policy and applicable insurance law, which may differ from these Terms of Service.

13. ELECTRONIC COMMUNICATIONS

13.1 Consent to Electronic Delivery

By using our Services, you consent to receive communications from us electronically, including:

• Emails to the address you provide
• Text messages to the phone number you provide
• Notices posted on our website
• Messages delivered through your online account (if applicable)

You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

13.2 Withdrawing Consent

You may withdraw your consent to receive electronic communications by contacting us at info@jwrinsurance.com. However, withdrawal of consent may limit or prevent your use of certain Services.

13.3 Updating Contact Information

You must keep your email address and phone number current. We are not responsible for any failure to deliver communications if your contact information is outdated or incorrect.

14. INSURANCE LICENSING

14.1 Licensed States

JWR Insurance and its agents are licensed to sell insurance in the following states:

• Wyoming
• Colorado
• Utah

We do not offer insurance services in states where we are not licensed.

14.2 License Verification

You may verify our insurance licenses and the licenses of our individual agents through the following state insurance departments:

• Wyoming: https://doi.wyo.gov
• Colorado: https://doi.colorado.gov
• Utah: https://insurance.utah.gov

14.3 Regulatory Compliance

We comply with all applicable federal and state insurance laws and regulations. If you have a complaint or regulatory concern, you may contact your state insurance department.

15. COMPLAINTS AND GRIEVANCES

15.1 Internal Complaints

If you have a complaint about our Services, please contact us:

• Phone: (970) 401-8140
• Email: info@jwrinsurance.com
• Mail: 361 71st Ave, Suite 102, Greeley, CO 80634

We will investigate and respond to your complaint within a reasonable timeframe.

15.2 State Insurance Departments

If you are not satisfied with our response, you may file a complaint with your state insurance department:

Wyoming Department of Insurance
106 East 6th Avenue
Cheyenne, WY 82002
Phone: (307) 777-7401
Website: doi.wyo.gov

Colorado Division of Insurance
1560 Broadway, Suite 850
Denver, CO 80202
Phone: (303) 894-7499
Website: doi.colorado.gov

Utah Insurance Department
4315 South 2700 West, Suite 2300
Salt Lake City, UT 84129
Phone: (801) 538-3800
Website: insurance.utah.gov

15.3 Better Business Bureau

You may also file a complaint with the Better Business Bureau at www.bbb.org.

16. TERMINATION

16.1 Termination by You

You may stop using our Services at any time. To close your account, contact us at info@jwrinsurance.com.

Note: Terminating your account with JWR Insurance does not cancel your insurance policies. You must separately request cancellation of any active policies.

16.2 Termination by Us

We may terminate or suspend your access to the Services immediately, without prior notice or liability, for any reason, including but not limited to:

• Breach of these Terms
• Fraudulent or illegal activity
• Providing false information
• Non-payment of premiums or fees
• Abusive or harassing behavior toward our staff

16.3 Effect of Termination

Upon termination:

• Your right to access and use the Services will immediately cease
• All provisions of these Terms that by their nature should survive termination shall survive, including but not limited to: ownership provisions, warranty disclaimers, indemnification, limitations of liability, and dispute resolution provisions
• Termination does not affect any insurance policies you have in force, which will continue according to their terms

17. MISCELLANEOUS PROVISIONS

17.1 Entire Agreement

These Terms, together with our Privacy Policy and any other policies or agreements referenced herein, constitute the entire agreement between you and JWR Insurance regarding the Services and supersede all prior or contemporaneous understandings and agreements, whether written or oral.

17.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

17.3 Waiver

Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of JWR Insurance.

17.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign or transfer these Terms or our rights hereunder to any party at any time without restriction or notice.

17.5 No Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights. Insurance carriers are not parties to these Terms and have no rights or obligations under these Terms.

17.6 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, governmental actions, or internet or telecommunications failures.

17.7 Headings

The section headings in these Terms are for convenience only and have no legal or contractual effect.

17.8 Language

These Terms are provided in English. Any translations are provided for convenience only, and the English version shall control in the event of any conflict.

18. SPECIFIC DISCLAIMERS

18.1 Insurance Coverage Disclaimers

• No Guarantee of Approval: We cannot guarantee that any insurance carrier will approve your application for coverage
• No Guarantee of Claims Payment: We cannot guarantee that any claim you file will be paid or what amount will be paid
• No Guarantee of Policy Terms: Policy terms, conditions, exclusions, and limitations are determined by the insurance carrier, not by JWR Insurance
• No Guarantee of Renewability: Some policies are guaranteed renewable, others are not. Review your policy documents carefully.

18.2 Pricing and Rate Disclaimers

• Quotes Are Estimates: All quotes are estimates based on the information you provide and are subject to change upon underwriting review
• Rates May Change: Insurance rates can change at renewal or if your circumstances change (new claim, ticket, address change, etc.)
• No Rate Lock: Unless explicitly stated in writing, quotes do not constitute a rate guarantee or lock

18.3 No Attorney-Client Relationship

Nothing in these Terms or in our communications with you creates an attorney-client relationship. We are not providing legal advice and do not represent you in any legal matters.

18.4 No Fiduciary Duty

While we strive to serve your best interests, we are not a fiduciary and do not owe you a fiduciary duty. Our recommendations are based on available products and carriers, and we may receive commissions from insurance carriers.

19. COMPENSATION DISCLOSURE

19.1 Agent Compensation

JWR Insurance and its agents are compensated by insurance carriers through commissions based on the policies we sell. Commission rates vary by carrier and product type.

19.2 Agency Fees

In addition to carrier commissions, we may charge:

• Policy fees (one-time fee per policy)
• Installment fees (if you pay monthly or quarterly)
• Policy change fees
• Cancellation fees (in some cases)

All fees will be disclosed to you before you purchase a policy.

19.3 No Conflicts

While we receive compensation from carriers, we maintain relationships with multiple carriers to provide you with competitive options. Our goal is to match you with the best coverage for your needs and budget.

20. MODIFICATIONS TO SERVICES

We reserve the right to:

• Modify, suspend, or discontinue any aspect of the Services at any time without notice
• Change the features, functionality, or content of the Services
• Impose limits on certain features or restrict access to parts of the Services
• Remove content from the Services for any reason

We will not be liable to you or any third party for any modification, suspension, or discontinuance of the Services.

21. PRIVACY AND DATA PROTECTION

Your use of the Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use, and protect your information.

By using our Services, you consent to the collection and use of your information as described in our Privacy Policy.

22. ACCESSIBILITY

We strive to make our website accessible to individuals with disabilities in accordance with applicable laws. If you experience any difficulty accessing our Services, please contact us at (970) 401-8140 or info@jwrinsurance.com, and we will work to provide you with the information or services you need through alternative means.

23. CALIFORNIA RESIDENTS

If you are a California resident, you may have additional rights under California law, including:

• The right to receive information about our information-sharing practices (see our Privacy Policy)
• The right to opt out of certain data sharing for direct marketing purposes
• Protection under the California Consumer Privacy Act (CCPA)

For more information, please see our Privacy Policy or contact us at info@jwrinsurance.com.

24. CONTACT INFORMATION

If you have any questions about these Terms of Service, please contact us:

JWR Insurance Group

Address:
361 71st Ave, Suite 102
Greeley, CO 80634

Phone: (970) 401-8140

Email: info@jwrinsurance.com

Website: jwrinsurance.com

Hours:
Monday–Friday: 8:00 AM – 6:00 PM MT
Saturday: 9:00 AM – 1:00 PM MT

25. ACKNOWLEDGMENT

BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE AND OUR PRIVACY POLICY.

IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE OUR SERVICES.

END OF TERMS OF SERVICE

Questions? Contact us at (970) 401-8140 or info@jwrinsurance.com

Last Updated: November 9, 2025
Version: 1.0

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