Get “That Covered Feeling™” Here!
Last updated August 8, 2026
We are Pablow, Inc. dba bonzah.com ("Company," "we," "us," "our"), a company registered in Iowa, at 204 12th Street, Suite 400, Des Moines, IA 50309. We do business through the name and using the website bonzah.com. Pablow, Inc. dba bonzah.com is the licensed insurance entity and broker of record. Bonzah, Inc. is an affiliate and technology provider of Pablow, Inc. dba bonzah.com; Bonzah, Inc. does not offer insurance and provides the technology platform.
We operate the website http://www.bonzah.com (the "Website" or "Site"), any mobile application we may offer (an "App"), as well as any other related products and services that refer or link to these legal terms (the "Legal Terms" or "Terms of Service") (collectively, the "Services"). To ensure a safe, non-offensive environment for all of our users, we have established our Terms of Use and Service. It spells out what you can expect from us and what we expect from you. By accessing any areas of Bonzah.com, users agree to be legally bound and to abide by the terms set forth below. Bonzah.com is owned and operated by Pablow, Inc. Any references herein to Bonzah (or "Company." "we," "us," "our," as above) shall be deemed to refer to Bonzah.com and/or Pablow, Inc., as applicable under the circumstances, unless otherwise noted. This Website is offered and available to users who are 21 years of age or older. By using this Website, you represent and warrant that you are of legal age to form a binding contract with the Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.
We offer various insurance-related technology services and offerings ("Offerings"), to provide auto renter's "that covered feeling". Since 2015, the team behind Bonzah.com has sold car rental insurance in several markets, including the USA, providing travelers with affordable and convenient renter's insurance rates.
You can contact us by phone at (515) 726-6924, the contact form online at https://bonzah.com/company/contact, or by mail to 204 12th Street, Suite 400, Des Moines, IA 50309.
These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you"), and Pablow, Inc., concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Legal Terms. If you do not agree with all of these legal terms, then you are expressly prohibited from using the services and you must discontinue use immediately.
Additional terms and conditions or documents that may be posted on the Services from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Legal Terms at any time and for any reason. We will alert you about any changes by updating the "Last updated" date of these Legal Terms, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Legal Terms to stay informed of updates. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Legal Terms by your continued use of the Services after the date such revised Legal Terms are posted.
Bonzah.com is a service mark of Pablow, Inc. All rights reserved. These and other Bonzah.com graphics, logos, service marks, and trademarks of Pablow, Inc. and its affiliates may not be used without the prior written consent of Pablow, Inc. or its affiliates, as the case may be. All other trademarks, product names, and Company names and logos appearing on Bonzah are the property of their respective owners.
The Services are intended for users who are at least 21 years old. Persons under the age of 21 are not permitted to use or register for the Services.
We recommend that you print a copy of these Legal Terms for your records.
We operate the website http://www.bonzah.com (the "Website" or "Site"), any mobile application we may offer (an "App"), as well as any other related products and services that refer or link to these legal terms (the "Legal Terms" or "Terms of Service") (collectively, the "Services"). To ensure a safe, non-offensive environment for all of our users, we have established our Terms of Use and Service. It spells out what you can expect from us and what we expect from you. By accessing any areas of Bonzah.com, users agree to be legally bound and to abide by the terms set forth below. Bonzah.com is owned and operated by Pablow, Inc. Any references herein to Bonzah (or "Company." "we," "us," "our," as above) shall be deemed to refer to Bonzah.com and/or Pablow, Inc., as applicable under the circumstances, unless otherwise noted. This Website is offered and available to users who are 21 years of age or older. By using this Website, you represent and warrant that you are of legal age to form a binding contract with the Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.
We offer various insurance-related technology services and offerings ("Offerings"), to provide auto renter's "that covered feeling". Since 2015, the team behind Bonzah.com has sold car rental insurance in several markets, including the USA, providing travelers with affordable and convenient renter's insurance rates.
You can contact us by phone at (515) 726-6924, the contact form online at https://bonzah.com/company/contact, or by mail to 204 12th Street, Suite 400, Des Moines, IA 50309.
These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you"), and Pablow, Inc., concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Legal Terms. If you do not agree with all of these legal terms, then you are expressly prohibited from using the services and you must discontinue use immediately.
Additional terms and conditions or documents that may be posted on the Services from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Legal Terms at any time and for any reason. We will alert you about any changes by updating the "Last updated" date of these Legal Terms, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Legal Terms to stay informed of updates. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Legal Terms by your continued use of the Services after the date such revised Legal Terms are posted.
Bonzah.com is a service mark of Pablow, Inc. All rights reserved. These and other Bonzah.com graphics, logos, service marks, and trademarks of Pablow, Inc. and its affiliates may not be used without the prior written consent of Pablow, Inc. or its affiliates, as the case may be. All other trademarks, product names, and Company names and logos appearing on Bonzah are the property of their respective owners.
The Services are intended for users who are at least 21 years old. Persons under the age of 21 are not permitted to use or register for the Services.
We recommend that you print a copy of these Legal Terms for your records.
Terms of Service
The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.
The Services are not tailored to comply with industry-specific regulations (Health Insurance Portability and Accountability Act (HIPAA), Federal Information Security Management Act (FISMA), etc.), so if your interactions would be subjected to such laws, you may not use the Services. You may not use the Services in a way that would violate the Gramm-Leach-Bliley Act (GLBA)..
Any insurance policies applicable to any Services ("Policies") are separate contracts and are not subject to these Terms or a part of any agreement.
Customer acknowledges that bonzah.com is not an insurer. Bonzah.com's only obligations are under this agreement and under no circumstances will bonzah have any obligation to provide insurance coverage under any policy or perform any obligations under any policy. customer hereby releases bonzah from any such obligation under or with respect to any policy. All policies are provided by each applicable insurer underwriting the policy. in no event will bonzah.com be liable for any amounts due under any policy. Customer hereby releases bonzah from any claim relating thereto. Customer is solely responsible for reviewing the terms applicable to any policy and for complying with all such terms.
Please be advised: Coverage is not available in all countries or for all cars. Bonzah does not provide coverage for luxury, exotic, or high-performance cars. In the event that a policy is issued for a luxury, exotic, or high-performance car, Bonzah may declare the policy null and void. See https://bonzah.com/included-and-restricted-vehicle-types for details. In such an event, Bonzah has no responsibility to further perform under the policy, and the policy, if issued, shall be considered null and void. CDW coverage does not provide liability insurance or comply with any financial responsibility law, or any other law mandating motor vehicle coverage.
Texas Residents: Before deciding whether to purchase an insurance plan, you may wish to determine whether your own automobile insurance or credit card agreement provides you coverage for rental vehicle damage or loss and determine the amount of deductible under your own insurance coverage. The purchase of this insurance plan is not mandatory. This coverage is not all inclusive, which means it does not cover such things as personal injury, personal liability, or personal property. It does not cover you for damages to other vehicles or property. It does not cover you for any injury to any other party.
The insurance products offered on the Services are made available by Pablow, Inc. dba bonzah.com ("Bonzah") as broker of record and are underwritten by third-party insurers. The products are Collision Damage Warranty/Waiver (CDW), Renter's Contingent Liability Insurance (RCLI), Supplemental Liability Insurance (SLI), and Personal Accident / Personal Effects Insurance (PAI). Any one policy is not full coverage. Personal Accident / Personal Effects Insurance (PAI) is not rental car coverage; it is a travel insurance product.
Opting out of PIP / UM / UIM / MedPay. By purchasing insurance via bonzah.com or via partner channels, I am (purchasers, renters, and passengers) electing to opt out of Personal Injury Protection (PIP), Uninsured Motorist (UM), Under-Insured Motorist (UIM), and Medical Payments (MedPay) where allowed by law.
The Services are not tailored to comply with industry-specific regulations (Health Insurance Portability and Accountability Act (HIPAA), Federal Information Security Management Act (FISMA), etc.), so if your interactions would be subjected to such laws, you may not use the Services. You may not use the Services in a way that would violate the Gramm-Leach-Bliley Act (GLBA)..
Any insurance policies applicable to any Services ("Policies") are separate contracts and are not subject to these Terms or a part of any agreement.
Customer acknowledges that bonzah.com is not an insurer. Bonzah.com's only obligations are under this agreement and under no circumstances will bonzah have any obligation to provide insurance coverage under any policy or perform any obligations under any policy. customer hereby releases bonzah from any such obligation under or with respect to any policy. All policies are provided by each applicable insurer underwriting the policy. in no event will bonzah.com be liable for any amounts due under any policy. Customer hereby releases bonzah from any claim relating thereto. Customer is solely responsible for reviewing the terms applicable to any policy and for complying with all such terms.
Please be advised: Coverage is not available in all countries or for all cars. Bonzah does not provide coverage for luxury, exotic, or high-performance cars. In the event that a policy is issued for a luxury, exotic, or high-performance car, Bonzah may declare the policy null and void. See https://bonzah.com/included-and-restricted-vehicle-types for details. In such an event, Bonzah has no responsibility to further perform under the policy, and the policy, if issued, shall be considered null and void. CDW coverage does not provide liability insurance or comply with any financial responsibility law, or any other law mandating motor vehicle coverage.
Texas Residents: Before deciding whether to purchase an insurance plan, you may wish to determine whether your own automobile insurance or credit card agreement provides you coverage for rental vehicle damage or loss and determine the amount of deductible under your own insurance coverage. The purchase of this insurance plan is not mandatory. This coverage is not all inclusive, which means it does not cover such things as personal injury, personal liability, or personal property. It does not cover you for damages to other vehicles or property. It does not cover you for any injury to any other party.
The insurance products offered on the Services are made available by Pablow, Inc. dba bonzah.com ("Bonzah") as broker of record and are underwritten by third-party insurers. The products are Collision Damage Warranty/Waiver (CDW), Renter's Contingent Liability Insurance (RCLI), Supplemental Liability Insurance (SLI), and Personal Accident / Personal Effects Insurance (PAI). Any one policy is not full coverage. Personal Accident / Personal Effects Insurance (PAI) is not rental car coverage; it is a travel insurance product.
Opting out of PIP / UM / UIM / MedPay. By purchasing insurance via bonzah.com or via partner channels, I am (purchasers, renters, and passengers) electing to opt out of Personal Injury Protection (PIP), Uninsured Motorist (UM), Under-Insured Motorist (UIM), and Medical Payments (MedPay) where allowed by law.
Our services
By purchasing coverage through the Services, you acknowledge that Pablow, Inc. dba bonzah.com ("Bonzah") is the licensed broker of record regardless of channel or context, and offers insurance coverage through various insurance carriers. The specific carrier issuing your policy will be identified at the time of purchase and in your policy documents.
Coverage may include Collision Damage Warranty/Waiver (CDW/LDW), Renter's Contingent Liability Insurance (RCLI), Supplemental Liability Insurance (SLI), and Personal Accident / Personal Effects Insurance (PAI), as offered. Coverage excludes medical payments (MedPay), Personal Injury Protection (PIP), Underinsured Motorist (UIM), and Uninsured Motorist (UM) coverage where permitted by law. Full terms, conditions, limits, and exclusions are set forth in the policy documents provided at the time of purchase. Any one policy is not full coverage. Personal Accident / Personal Effects Insurance (PAI) is not rental car coverage; it is a travel insurance product.
Low limits. The insurance products offered through the Services are generally low-limit coverages. They may not be sufficient to cover the full amount of any claim, loss, damages, or judgment, and you may remain personally responsible for amounts that exceed your policy limits. You are solely responsible for determining whether the coverage and limits offered are adequate for your needs and for obtaining any additional coverage you may require.
Insurance is only for drivers 21 years and older with a valid driver's license, who must be listed as an additional driver on the rental agreement and insurance application. Unlicensed drivers are not entitled to coverage under any circumstance. The renter is responsible for any unlisted drivers. Insurance may not apply if the renter or an additional driver violates the rental agreement, the insurance agreement, or traffic regulations.
For more information, see the applicable Description of Coverage and product flyers, the list of excluded vehicles at https://bonzah.com/included-and-restricted-vehicle-types, and our FAQs at https://bonzah.com/faq. By proceeding with your purchase, you agree to bonzah.com's Terms of Service and Privacy Policy.
Coverage may include Collision Damage Warranty/Waiver (CDW/LDW), Renter's Contingent Liability Insurance (RCLI), Supplemental Liability Insurance (SLI), and Personal Accident / Personal Effects Insurance (PAI), as offered. Coverage excludes medical payments (MedPay), Personal Injury Protection (PIP), Underinsured Motorist (UIM), and Uninsured Motorist (UM) coverage where permitted by law. Full terms, conditions, limits, and exclusions are set forth in the policy documents provided at the time of purchase. Any one policy is not full coverage. Personal Accident / Personal Effects Insurance (PAI) is not rental car coverage; it is a travel insurance product.
Low limits. The insurance products offered through the Services are generally low-limit coverages. They may not be sufficient to cover the full amount of any claim, loss, damages, or judgment, and you may remain personally responsible for amounts that exceed your policy limits. You are solely responsible for determining whether the coverage and limits offered are adequate for your needs and for obtaining any additional coverage you may require.
Insurance is only for drivers 21 years and older with a valid driver's license, who must be listed as an additional driver on the rental agreement and insurance application. Unlicensed drivers are not entitled to coverage under any circumstance. The renter is responsible for any unlisted drivers. Insurance may not apply if the renter or an additional driver violates the rental agreement, the insurance agreement, or traffic regulations.
For more information, see the applicable Description of Coverage and product flyers, the list of excluded vehicles at https://bonzah.com/included-and-restricted-vehicle-types, and our FAQs at https://bonzah.com/faq. By proceeding with your purchase, you agree to bonzah.com's Terms of Service and Privacy Policy.
Insurance Disclosure & How Coverage Works
How a valid policy is created. Policies may only be purchased, extended, or modified through the Services. Bonzah does not sell, bind, quote, extend, or modify coverage by email, telephone, voicemail, or chat/text/SMS, and any purported purchase, extension, or modification made through those means is not valid and creates no coverage. A policy is valid only when it is issued with a Bonzah Order Number and these Terms of Service have been followed. If you receive any communication offering to sell or change coverage outside the Services, do not rely on it and contact us at [email protected].
Coverage period; continuous coverage; extensions. Coverage runs in 24-hour cycles Insurance begins at the rental pickup time as specified in the rental agreement. If the rental agreement doesn’t specify a start time, insurance starts at the scheduled pickup time for the reservation as designated in the rental car reservation system. In the absence of a rental agreement start time or scheduled reservation start time, when insurance is purchased on the same day as the rental agreement start date, insurance begins at the purchase time. In the absence of a rental agreement start time or scheduled reservation start time, when insurance is purchased on any day preceding the rental agreement start date, insurance begins at 12:00 AM the day of the rental agreement. All extensions must be purchased prior to the lapse of your existing policy. Coverage cannot be reinstated, and a gap in coverage cannot be filled, after a lapse has occurred. Where an automatic extension may apply, it operates only as described in these Terms, and you remain responsible for verifying that your coverage has in fact been extended and is in effect for the full duration of your rental, including any extension.
Where coverage is available; accurate information required. Bonzah products are not offered in all states or jurisdictions, and availability may change at any time. You must provide true, current, and accurate information, including your address and the location of the rental. Providing a false or changed address, or otherwise misrepresenting information, in order to obtain a policy that Bonzah does not offer in the applicable jurisdiction — or to obtain coverage you are not otherwise eligible for — is prohibited, and any policy issued as a result is null and void.
Coverage period; continuous coverage; extensions. Coverage runs in 24-hour cycles Insurance begins at the rental pickup time as specified in the rental agreement. If the rental agreement doesn’t specify a start time, insurance starts at the scheduled pickup time for the reservation as designated in the rental car reservation system. In the absence of a rental agreement start time or scheduled reservation start time, when insurance is purchased on the same day as the rental agreement start date, insurance begins at the purchase time. In the absence of a rental agreement start time or scheduled reservation start time, when insurance is purchased on any day preceding the rental agreement start date, insurance begins at 12:00 AM the day of the rental agreement. All extensions must be purchased prior to the lapse of your existing policy. Coverage cannot be reinstated, and a gap in coverage cannot be filled, after a lapse has occurred. Where an automatic extension may apply, it operates only as described in these Terms, and you remain responsible for verifying that your coverage has in fact been extended and is in effect for the full duration of your rental, including any extension.
Where coverage is available; accurate information required. Bonzah products are not offered in all states or jurisdictions, and availability may change at any time. You must provide true, current, and accurate information, including your address and the location of the rental. Providing a false or changed address, or otherwise misrepresenting information, in order to obtain a policy that Bonzah does not offer in the applicable jurisdiction — or to obtain coverage you are not otherwise eligible for — is prohibited, and any policy issued as a result is null and void.
Policy Validity
Bonzah is a referral partner of, and offers insurance products to customers of, various rental car companies and platforms. A rental car company that refers you to the Services, or that helps you access the Services, is not your insurance agent regardless of channel or context, does not sell, solicit, negotiate, or advise on insurance, and is not requiring you to purchase insurance from Bonzah. Your decision to purchase any Bonzah product is your own, made at your direction. Bonzah may act as the broker of record for the coverage you purchase.
Rental car companies and their employees and representatives are only authorized to use the Services to purchase insurance on behalf of their customers in jurisdictions where it is allowed, and are strictly prohibited from reselling or otherwise offering the insurance available through the Services to their customers. A rental car company is permitted only to refer customers to the Services and to assist in facilitating a customer's use of the Services as permitted by law; it is not authorized to sell, advise on, or solicit the purchase of insurance.
By purchasing, you certify that: (a) you are purchasing for yourself as the renter (or a listed additional driver), and not as a rental car company employee or representative purchasing on a customer's behalf without the renter's knowledge; and (b) any rental car company involved merely referred you to the Services or is facilitating your purchase at your direction.
Rental car companies and their employees and representatives are only authorized to use the Services to purchase insurance on behalf of their customers in jurisdictions where it is allowed, and are strictly prohibited from reselling or otherwise offering the insurance available through the Services to their customers. A rental car company is permitted only to refer customers to the Services and to assist in facilitating a customer's use of the Services as permitted by law; it is not authorized to sell, advise on, or solicit the purchase of insurance.
By purchasing, you certify that: (a) you are purchasing for yourself as the renter (or a listed additional driver), and not as a rental car company employee or representative purchasing on a customer's behalf without the renter's knowledge; and (b) any rental car company involved merely referred you to the Services or is facilitating your purchase at your direction.
Referral Partners and Rental Agency Certification
No one is authorized to change, discount, mark -up, or otherwise alter the price of any Bonzah product unless approved by the applicable underwriter, and no person may sell, solicit, negotiate, or advise on insurance without a license. Any price or coverage presented to you other than the price and coverage set through the Services and issued with a Bonzah Order Number is not valid, and Bonzah is not bound by it.
No Unauthorized Pricing or Sale
If you purchase, extend, or modify coverage on behalf of another person (for example, another renter or an additional driver), you represent that you are authorized to do so, to bind that person to these Terms and to the coverage elections and certifications made at the time of purchase, and that you are acting within applicable insurance laws. You agree to indemnify and hold Bonzah harmless from any claim, loss, or liability arising from a purchase, extension, or modification made without proper authority, based on inaccurate information, or in violation of applicable insurance laws. No person may use the Services to purchase insurance on behalf of a customer without that customer's knowledge and direction, and in compliance with law; any such purchase is prohibited and void.
Purchases on Behalf of Others
Our intellectual property
We, and sometimes Bonzah Inc., are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks").
Our Content and Marks are protected by copyright and trademark laws (and various other intellectual property rights and unfair competition laws) and treaties in the United States and around the world.
The Content and Marks are provided in or through the Services "AS IS" for your personal, non-commercial use only.
Your use of our Services
Subject to your compliance with these Legal Terms, including the "PROHIBITED ACTIVITIES" section below, we grant you a non-exclusive, non-transferable, revocable license to access the Services and download or print a copy of any portion of the Content to which you have properly gained access. solely for your personal, non-commercial use.
Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.
If you wish to make any use of the Services, Content, or Marks other than as set out in this section or elsewhere in our Legal Terms, please address your request to https://www.bonzah.com/contact. If we ever grant you permission to post, reproduce, or publicly display any part of our Services or Content, you must identify us as the owners or licensors of the Services, Content, or Marks and ensure that any copyright or proprietary notice appears or is visible when posting, reproducing, or displaying our Content.
We reserve all rights not expressly granted to you in and to the Services, Content, and Marks.
Any breach of these Intellectual Property Rights will constitute a material breach of our Legal Terms and your right to use our Services will terminate immediately.
Your submissions
Please review this section and the "PROHIBITED ACTIVITIES" section carefully prior to using our Services to understand the (a) rights you give us and (b) obligations you have when you post or upload any content through the Services.
Submissions: By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services ("Submissions"), you agree to assign to us all intellectual property rights in such Submission. You agree that we shall own this Submission and be entitled to its unrestricted use and dissemination for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you.
You are responsible for what you post or upload by sending us Submissions through any part of the Services you:
You are solely responsible for your Submissions and you expressly agree to reimburse us for any and all losses that we may suffer because of your breach of (a) this section, (b) any third party's intellectual property rights, or (c) applicable law.
Trademarks
The Company name, the terms including but not limited to "that covered feeling", "outsmart the rental car desk", and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners.
Prohibited Uses
You may use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website:
Additionally, you agree not to:
We, and sometimes Bonzah Inc., are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks").
Our Content and Marks are protected by copyright and trademark laws (and various other intellectual property rights and unfair competition laws) and treaties in the United States and around the world.
The Content and Marks are provided in or through the Services "AS IS" for your personal, non-commercial use only.
Your use of our Services
Subject to your compliance with these Legal Terms, including the "PROHIBITED ACTIVITIES" section below, we grant you a non-exclusive, non-transferable, revocable license to access the Services and download or print a copy of any portion of the Content to which you have properly gained access. solely for your personal, non-commercial use.
Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.
If you wish to make any use of the Services, Content, or Marks other than as set out in this section or elsewhere in our Legal Terms, please address your request to https://www.bonzah.com/contact. If we ever grant you permission to post, reproduce, or publicly display any part of our Services or Content, you must identify us as the owners or licensors of the Services, Content, or Marks and ensure that any copyright or proprietary notice appears or is visible when posting, reproducing, or displaying our Content.
We reserve all rights not expressly granted to you in and to the Services, Content, and Marks.
Any breach of these Intellectual Property Rights will constitute a material breach of our Legal Terms and your right to use our Services will terminate immediately.
Your submissions
Please review this section and the "PROHIBITED ACTIVITIES" section carefully prior to using our Services to understand the (a) rights you give us and (b) obligations you have when you post or upload any content through the Services.
Submissions: By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services ("Submissions"), you agree to assign to us all intellectual property rights in such Submission. You agree that we shall own this Submission and be entitled to its unrestricted use and dissemination for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you.
You are responsible for what you post or upload by sending us Submissions through any part of the Services you:
- confirm that you have read and agree with our "PROHIBITED ACTIVITIES" and will not post, send, publish, upload, or transmit through the Services any Submission that is illegal, harassing, hateful, harmful, defamatory, obscene, bullying, abusive, discriminatory, threatening to any person or group, sexually explicit, false, inaccurate, deceitful, or misleading;
- to the extent permissible by applicable law, waive any and all moral rights to any such Submission;
- warrant that any such Submission are original to you or that you have the necessary rights and licenses to submit such Submissions and that you have full authority to grant us the above-mentioned rights in relation to your Submissions; and
- warrant and represent that your Submissions do not constitute confidential information.
You are solely responsible for your Submissions and you expressly agree to reimburse us for any and all losses that we may suffer because of your breach of (a) this section, (b) any third party's intellectual property rights, or (c) applicable law.
Trademarks
The Company name, the terms including but not limited to "that covered feeling", "outsmart the rental car desk", and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners.
Prohibited Uses
You may use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website:
- In any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).
- For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise.
- To transmit, or procure the sending of, any advertising or promotional material, without our prior written consent, including any "junk mail," "chain letter," "spam," or any other similar solicitation.
- To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity (including, without limitation, by using email addresses, screen names, or social media usernames associated with any of the foregoing).
- To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Website, or which, as determined by us, may harm the Company or users of the Website, or expose them to liability.
Additionally, you agree not to:
- Use the Website in any manner that could disable, overburden, damage, or impair the Site or interfere with any other party's use of the Website, including their ability to engage in real-time activities through the Website.
- Use any robot, spider, or other automatic device, process, or means to access the Website for any purpose, including monitoring or copying any of the material on the Website.
- Use any manual process to monitor or copy any of the material on the Website, or for any other purpose not expressly authorized in these Terms of Service, without our prior written consent.
- Use any device, software, or routine that interferes with the proper working of the Website.
- Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
- Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website.
- Attack the Website via a denial-of-service attack or a distributed denial-of-service attack. - Otherwise attempt to interfere with the proper working of the Website.
Intellectual property rights
By using the Services, you represent and warrant that: (1) all registration information you submit will be true, accurate, current, and complete; (2) you will maintain the accuracy of such information and promptly update such registration information as necessary; (3) you have the legal capacity and you agree to comply with these Legal Terms; (4) you are not a minor in the jurisdiction in which you reside; (5) you will not access the Services through automated or non-human means, whether through a bot, script, or otherwise; (6) you will not use the Services for any illegal or unauthorized purpose; and (7) your use of the Services will not violate any applicable law or regulation.
If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof).
Reliance on Information Posted
The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.
This Website includes content provided by third parties, including materials provided by other users, bloggers, and third-party licensors, syndicators, aggregators, and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.
If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof).
Reliance on Information Posted
The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.
This Website includes content provided by third parties, including materials provided by other users, bloggers, and third-party licensors, syndicators, aggregators, and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.
User representations
You may be required to register to use the Services. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.
User registration
We accept the following forms of payment:
You agree to provide current, complete, and accurate purchase and account information for all purchases made via the Services. You further agree to promptly update account and payment information, including email address, payment method, and payment card expiration date, so that we can complete your transactions and contact you as needed. Sales tax will be added to the price of purchases as deemed required by us. We may change prices at any time. All payments shall be in US Dollars.
You agree to pay all charges at the prices then in effect for your purchases, and you authorize us to charge your chosen payment provider for any such amounts upon placing your order. All payments are due upon issuance of the policy. No credit is extended. We reserve the right to correct any errors or mistakes in pricing, even if we have already requested or received payment. If we have not received payment by any party's fault, including if payment is rejected, the resulting policy is null and void. If a policy is issued before or without payment, we reserve the sole and discretionary right to revoke and consider the policy null and void without additional notice unless required by law.
We reserve the right to refuse any order placed through the Services. We may, in our sole discretion, limit or cancel quantities purchased per person, per household, or per order. These restrictions may include orders placed by or under the same customer account or the same payment method.
If a charge on a payment card has been declared fraudulent by any source, further purchases on the same payment card are null and void.
- Visa
- Mastercard
- American Express
- Discover
- JCB
- Diners Club
- China UnionPay
- Debit Cards
- Google Pay
- And other listed in the “card number” section of the payment process.
You agree to provide current, complete, and accurate purchase and account information for all purchases made via the Services. You further agree to promptly update account and payment information, including email address, payment method, and payment card expiration date, so that we can complete your transactions and contact you as needed. Sales tax will be added to the price of purchases as deemed required by us. We may change prices at any time. All payments shall be in US Dollars.
You agree to pay all charges at the prices then in effect for your purchases, and you authorize us to charge your chosen payment provider for any such amounts upon placing your order. All payments are due upon issuance of the policy. No credit is extended. We reserve the right to correct any errors or mistakes in pricing, even if we have already requested or received payment. If we have not received payment by any party's fault, including if payment is rejected, the resulting policy is null and void. If a policy is issued before or without payment, we reserve the sole and discretionary right to revoke and consider the policy null and void without additional notice unless required by law.
We reserve the right to refuse any order placed through the Services. We may, in our sole discretion, limit or cancel quantities purchased per person, per household, or per order. These restrictions may include orders placed by or under the same customer account or the same payment method.
If a charge on a payment card has been declared fraudulent by any source, further purchases on the same payment card are null and void.
Purchases and payment
Please review our Return Policy posted on the Services prior to making any purchases without additional notice unless required by law.
Return policy
You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.
As a user of the Services, you agree not to:
Geographic Restrictions
The owner of the Website is based in the State of Iowa in the United States. We provide this Website for use by foreign and domestic persons located in the United States. We make no claims that the Website or any of its content is accessible or appropriate outside of the United States. Access to the Website may not be legal by certain persons or in certain countries. If you access the Website from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.
As a user of the Services, you agree not to:
- Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
- Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.
- Circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and/or the Content contained therein.
- Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services.
- Use any information obtained from the Services in order to harass, abuse, or harm another person.
- Make improper use of our support services or submit false reports of abuse or misconduct.
- Use the Services in a manner inconsistent with any applicable laws or regulations. - Engage in unauthorized framing of or linking to the Services.
- Upload or transmit (or attempt to upload or transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party's uninterrupted use and enjoyment of the Services or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Services.
- Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools. - Delete the copyright or other proprietary rights notice from any Content. - Attempt to impersonate another user or person or use the username of another user. - Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats ("gifs"), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as "spyware" or "passive collection mechanisms" or "pcms"). - Interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services. - Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you. - Attempt to bypass any measures of the Services designed to prevent or restrict access to the Services, or any portion of the Services. - Copy or adapt the Services' software, including but not limited to Flash, PHP, HTML, JavaScript, or other code. - Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services. - Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Services, or use or launch any unauthorized script or other software.
- Use a buying agent or purchasing agent to make purchases on the Services.
- Make any unauthorized use of the Services, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses.
- Use the Services as part of any effort to compete with us or otherwise use the Services and/or the Content for any revenue-generating endeavor or commercial enterprise.
- Sell or otherwise transfer your profile.
Geographic Restrictions
The owner of the Website is based in the State of Iowa in the United States. We provide this Website for use by foreign and domestic persons located in the United States. We make no claims that the Website or any of its content is accessible or appropriate outside of the United States. Access to the Website may not be legal by certain persons or in certain countries. If you access the Website from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.
Prohibited activities
The Services does not offer users to submit or post content.
User generated contributions
You and Services agree that we may access, store, process, and use any information and personal data that you provide following the terms of the Privacy Policy and your choices (including settings). By using Bonzah.com you consent to automatic account creation as well opting-in to data collection and retention of your activities regarding Bonzah.com.
By submitting suggestions or other feedback regarding the Services, you agree that we can use and share such feedback for any purpose without compensation to you.
By submitting suggestions or other feedback regarding the Services, you agree that we can use and share such feedback for any purpose without compensation to you.
Contribution license
If we make a mobile application available (an "App"), the following terms apply to your use of that App. Subject to these Terms, we grant you a revocable, non-exclusive, non-transferable, limited license to install and use the App on wireless devices you own or control, solely in accordance with these Terms. You shall not: (1) except as permitted by applicable law, decompile, reverse engineer, disassemble, attempt to derive the source code of, or decrypt the App; (2) make any modification, adaptation, improvement, enhancement, translation, or derivative work from the App; (3) violate any applicable laws, rules, or regulations in connection with your access or use of the App; (4) remove, alter, or obscure any proprietary notice (including any notice of copyright or trademark) posted by us or the licensors of the App; (5) use the App for any revenue-generating endeavor, commercial enterprise, or other purpose for which it is not designed or intended; (6) make the App available over a network or other environment permitting access or use by multiple devices or users at the same time; (7) use the App for creating a product, service, or software that is, directly or indirectly, competitive with or in any way a substitute for the App; (8) use the App to send automated queries to any website or to send any unsolicited commercial email; or (9) use any proprietary information or any of our interfaces or our other intellectual property in the design, development, manufacture, licensing, or distribution of any applications, accessories, or devices for use with the App.
Apple and Android Devices
Mobile Application License. If we make a mobile application available (an "App"), the following terms apply to your use of that App. Subject to these Terms, we grant you a revocable, non-exclusive, non-transferable, limited license to install and use the App on wireless devices you own or control, solely in accordance with these Terms. You shall not: (1) except as permitted by applicable law, decompile, reverse engineer, disassemble, attempt to derive the source code of, or decrypt the App; (2) make any modification, adaptation, improvement, enhancement, translation, or derivative work from the App; (3) violate any applicable laws, rules, or regulations in connection with your access or use of the App; (4) remove, alter, or obscure any proprietary notice (including any notice of copyright or trademark) posted by us or the licensors of the App; (5) use the App for any revenue-generating endeavor, commercial enterprise, or other purpose for which it is not designed or intended; (6) make the App available over a network or other environment permitting access or use by multiple devices or users at the same time; (7) use the App for creating a product, service, or software that is, directly or indirectly, competitive with or in any way a substitute for the App; (8) use the App to send automated queries to any website or to send any unsolicited commercial email; or (9) use any proprietary information or any of our interfaces or our other intellectual property in the design, development, manufacture, licensing, or distribution of any applications, accessories, or devices for use with the App.
Apple and Android Devices
Mobile Application License. If we make a mobile application available (an "App"), the following terms apply to your use of that App. Subject to these Terms, we grant you a revocable, non-exclusive, non-transferable, limited license to install and use the App on wireless devices you own or control, solely in accordance with these Terms. You shall not: (1) except as permitted by applicable law, decompile, reverse engineer, disassemble, attempt to derive the source code of, or decrypt the App; (2) make any modification, adaptation, improvement, enhancement, translation, or derivative work from the App; (3) violate any applicable laws, rules, or regulations in connection with your access or use of the App; (4) remove, alter, or obscure any proprietary notice (including any notice of copyright or trademark) posted by us or the licensors of the App; (5) use the App for any revenue-generating endeavor, commercial enterprise, or other purpose for which it is not designed or intended; (6) make the App available over a network or other environment permitting access or use by multiple devices or users at the same time; (7) use the App for creating a product, service, or software that is, directly or indirectly, competitive with or in any way a substitute for the App; (8) use the App to send automated queries to any website or to send any unsolicited commercial email; or (9) use any proprietary information or any of our interfaces or our other intellectual property in the design, development, manufacture, licensing, or distribution of any applications, accessories, or devices for use with the App.
Mobile application license
The Services may contain links to third-party websites and third-party content that we do not investigate, monitor, or endorse. We are not responsible for the accuracy, content, or practices of any third-party website or content. If you leave the Services to access a third-party website, you do so at your own risk and these Terms no longer govern, and any purchase you make on a third-party website is solely between you and that third party.
Partner channels. Bonzah products may be offered through co-branded websites, rental car company websites, rental management system (RMS) software, and the business partner portal. When you purchase or manage Bonzah coverage through any of these channels, your insurance transaction is with Bonzah and is governed by these Terms and our Privacy Policy regardless of channel or context, even though it may occur on a partner's website or software. The rental car company or integration partner is separately responsible for its own website, software, content, rental terms, and conduct, which are governed by that partner's own agreements — not by these Terms. A rental car company that refers you or facilitates your purchase is not acting as your insurance agent and is not authorized to sell, solicit, or advise you on insurance. Likewise, Bonzah is not responsible for the rental transaction or for the partner's website, software, or conduct.
Partner channels. Bonzah products may be offered through co-branded websites, rental car company websites, rental management system (RMS) software, and the business partner portal. When you purchase or manage Bonzah coverage through any of these channels, your insurance transaction is with Bonzah and is governed by these Terms and our Privacy Policy regardless of channel or context, even though it may occur on a partner's website or software. The rental car company or integration partner is separately responsible for its own website, software, content, rental terms, and conduct, which are governed by that partner's own agreements — not by these Terms. A rental car company that refers you or facilitates your purchase is not acting as your insurance agent and is not authorized to sell, solicit, or advise you on insurance. Likewise, Bonzah is not responsible for the rental transaction or for the partner's website, software, or conduct.
Third-party websites and content
We reserve the right, but not the obligation, to: (1) monitor the Services for violations of these Legal Terms; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms, including without limitation, reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof; (4) in our sole discretion and without limitation, notice, or liability, to remove from the Services or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (5) otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.
Services management
We care about data privacy and security. Please review our Privacy Policy: https://www.bonzah.com/privacy.
By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. Please be advised the Services are hosted in the United States. If you access the Services from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in the United States, then through your continued use of the Services, you are transferring your data to the United States, and you expressly consent to have your data transferred to and processed in the United States. We will securely collect and retain all information communicated consistent with these terms of service, our aforementioned privacy policy, and relevant state and local laws.
If you choose, or are provided with, a username, password, or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this Website or portions of it using your username, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your username or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.
We have the right to disable any username, password, or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.
By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. Please be advised the Services are hosted in the United States. If you access the Services from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in the United States, then through your continued use of the Services, you are transferring your data to the United States, and you expressly consent to have your data transferred to and processed in the United States. We will securely collect and retain all information communicated consistent with these terms of service, our aforementioned privacy policy, and relevant state and local laws.
If you choose, or are provided with, a username, password, or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this Website or portions of it using your username, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your username or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.
We have the right to disable any username, password, or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.
Privacy policy
These Terms remain in effect while you use the Services.
We may, in our sole discretion and without notice or liability, deny access to or use of the Services (including by blocking certain IP addresses) to any person for any reason. We may terminate or suspend your access to the Services at any time, without notice.
Effect on coverage. Termination or suspension of your access to the Services does not cancel, terminate, or otherwise affect any insurance policy — or any extension or modification of a policy — already issued to you. Any such policy, extension, or modification remains in force according to its terms, and cancellation or non-renewal is governed by the policy and applicable insurance law, not by this section. However, because extensions and modifications are made through the Services, if your access is terminated or suspended you may be unable to purchase an extension or make a modification through the Services; in that case, please contact us at [email protected].
If we terminate or suspend your access, you may not re-register under your name, a false name, or the name of any third party. We also reserve the right to pursue appropriate legal action.
Survival. The following survive termination: the "Bonzah is not an insurer" release, Disclaimer, Limitation of Liability, Dispute Resolution, Indemnification, User Data, Governing Law, and any other provision that by its nature should survive.
We may, in our sole discretion and without notice or liability, deny access to or use of the Services (including by blocking certain IP addresses) to any person for any reason. We may terminate or suspend your access to the Services at any time, without notice.
Effect on coverage. Termination or suspension of your access to the Services does not cancel, terminate, or otherwise affect any insurance policy — or any extension or modification of a policy — already issued to you. Any such policy, extension, or modification remains in force according to its terms, and cancellation or non-renewal is governed by the policy and applicable insurance law, not by this section. However, because extensions and modifications are made through the Services, if your access is terminated or suspended you may be unable to purchase an extension or make a modification through the Services; in that case, please contact us at [email protected].
If we terminate or suspend your access, you may not re-register under your name, a false name, or the name of any third party. We also reserve the right to pursue appropriate legal action.
Survival. The following survive termination: the "Bonzah is not an insurer" release, Disclaimer, Limitation of Liability, Dispute Resolution, Indemnification, User Data, Governing Law, and any other provision that by its nature should survive.
Term and termination
We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Services. We also reserve the right to modify or discontinue all or part of the Services without notice at any time. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services.
We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the Services. Nothing in these Legal Terms will be construed to obligate us to maintain and support the Services or to supply any corrections, updates, or releases in connection therewith.
We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the Services. Nothing in these Legal Terms will be construed to obligate us to maintain and support the Services or to supply any corrections, updates, or releases in connection therewith.
Modifications and interruptions
These Legal Terms and your use of the Services are governed by and construed in accordance with the laws of the State of Iowa applicable to agreements made and to be entirely performed within the State of Iowa, without regard to its conflict of law principles.
Governing law
Scope — services disputes only.
This section applies to disputes between you and Pablow, Inc. dba bonzah.com (and Bonzah, Inc., an affiliate and technology provider of Pablow, Inc. dba bonzah.com) arising out of or relating to your use of the Services or these Terms, through any channel. It does not apply to disputes about an insurance policy itself — including coverage, claims, or benefits — which are between you and the insurer that underwrites the policy and are governed by the policy terms and applicable insurance law. Nothing in this section limits your right to file a complaint with a state Department of Insurance, Attorney General, or other governmental authority.
Informal resolution. Before starting arbitration, the parties will try in good faith to resolve the dispute informally by contacting [email protected].
Binding arbitration.
If the dispute is not resolved informally, it will be finally resolved by binding Arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules and, where applicable, its Consumer Arbitration Rules. You understand that without this provision you would have the right to sue in court and have a jury trial.
The arbitration will take place in Polk County, Iowa, or, at your election, by phone, video, or document submission. If the arbitrator finds the costs of arbitration excessive, Bonzah will pay all arbitration fees and expenses. Either party may bring a qualifying individual claim in small-claims court instead of arbitration.
No class actions.
Disputes will be arbitrated only on an individual basis. To the fullest extent permitted by law, there is no right for any dispute to be arbitrated or litigated on a class, collective, consolidated, or representative basis.
Exceptions.
Either party may bring an action in court to (a) enforce or protect intellectual-property rights, (b) address theft, piracy, invasion of privacy, or unauthorized use, or (c) seek injunctive relief. Any such court action will be brought in the state or federal courts located in Polk County, Iowa, and governed by Iowa law.
Time to bring a claim.
To the extent permitted by applicable law, any claim relating to the Services must be brought within one (1) year after the cause of action accrues.
This section applies to disputes between you and Pablow, Inc. dba bonzah.com (and Bonzah, Inc., an affiliate and technology provider of Pablow, Inc. dba bonzah.com) arising out of or relating to your use of the Services or these Terms, through any channel. It does not apply to disputes about an insurance policy itself — including coverage, claims, or benefits — which are between you and the insurer that underwrites the policy and are governed by the policy terms and applicable insurance law. Nothing in this section limits your right to file a complaint with a state Department of Insurance, Attorney General, or other governmental authority.
Informal resolution. Before starting arbitration, the parties will try in good faith to resolve the dispute informally by contacting [email protected].
Binding arbitration.
If the dispute is not resolved informally, it will be finally resolved by binding Arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules and, where applicable, its Consumer Arbitration Rules. You understand that without this provision you would have the right to sue in court and have a jury trial.
The arbitration will take place in Polk County, Iowa, or, at your election, by phone, video, or document submission. If the arbitrator finds the costs of arbitration excessive, Bonzah will pay all arbitration fees and expenses. Either party may bring a qualifying individual claim in small-claims court instead of arbitration.
No class actions.
Disputes will be arbitrated only on an individual basis. To the fullest extent permitted by law, there is no right for any dispute to be arbitrated or litigated on a class, collective, consolidated, or representative basis.
Exceptions.
Either party may bring an action in court to (a) enforce or protect intellectual-property rights, (b) address theft, piracy, invasion of privacy, or unauthorized use, or (c) seek injunctive relief. Any such court action will be brought in the state or federal courts located in Polk County, Iowa, and governed by Iowa law.
Time to bring a claim.
To the extent permitted by applicable law, any claim relating to the Services must be brought within one (1) year after the cause of action accrues.
Dispute resolution
There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.
Corrections
The services are provided on an as-is and as-available basis. you agree that your use of the services will be at your sole risk. to the fullest extent permitted by law, we disclaim all warranties, express or implied, in connection with the services and your use thereof, including, without limitation, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. we make no warranties or representations about the accuracy or completeness of the services' content or the content of any websites or mobile applications linked to the services and we will assume no liability or responsibility for any (1) errors, mistakes, or inaccuracies of content and materials, (2) personal injury or property damage, of any nature whatsoever, resulting from your access to and use of the services, (3) any unauthorized access to or use of our secure servers and/or any and all personal information and/or financial information stored therein, (4) any interruption or cessation of transmission to or from the services, (5) any bugs, viruses, trojan horses, or the like which may be transmitted to or through the services by any third party, and/or (6) any errors or omissions in any content and materials or for any loss or damage of any kind incurred as a result of the use of any content posted, transmitted, or otherwise made available via the services. we do not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the services, any hyperlinked website, or any website or mobile application featured in any banner or other advertising, and we will not be a party to or in any way be responsible for monitoring any transaction between you and any third-party providers of products or services. as with the purchase of a product or service through any medium or in any environment, you should use your best judgment and exercise caution where appropriate.
Disclaimer
To the fullest extent permitted by law, Bonzah and its directors, officers, employees, and agents will not be liable for any indirect, incidental, consequential, exemplary, special, or punitive damages, including lost profits, lost revenue, or loss of data, arising out of or relating to the Services, even if advised of the possibility of such damages.
Bonzah is a licensed insurance broker, not an insurer. As stated in "Our Services," Bonzah has no obligation to provide insurance coverage or to pay any amount due under any insurance policy; all coverage is provided and all claims are paid by the applicable underwriting insurer under the policy. This section limits Bonzah's liability for its own services only, and does not limit or affect your rights against the insurer under your policy or under applicable insurance law.
Except as prohibited by applicable law, Bonzah's total liability to you for any cause whatsoever, and regardless of the form of the action, will at all times be limited to the amount of fees, if any, you paid to Bonzah for the Services giving rise to the claim.
Neither the underwriting insurers nor any rental or integration partner is liable to you under these Terms; your relationship with an insurer is governed by your policy, and any rental or integration partner is separately responsible for its own conduct and agreements.
Certain state and international laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages; if those laws apply to you, some or all of the above may not apply, and you may have additional rights.
Force Majeure
If performance of these Terms or any Agreement or any obligation hereunder is prevented, restricted, or interfered with by causes beyond Bonzah's reasonable control ("Force Majeure"), then such obligations of Bonzah shall be suspended to the extent necessary by such event. The term Force Majeure shall include acts of God, plague, epidemic, pandemic, outbreaks of infectious disease, or any other public health crisis, including quarantine or other employee restrictions, fire, explosion, vandalism, storm, or other similar occurrence, orders or acts of military or civil authority, or by national emergencies, insurrections, riots, or wars, strikes, lock-outs, work stoppages or other labor disputes, or supplier failures. Bonzah shall use reasonable efforts under the circumstances to avoid or remove such causes of non-performance and shall proceed to perform with reasonable dispatch whenever such causes are removed or ceased.
Bonzah is a licensed insurance broker, not an insurer. As stated in "Our Services," Bonzah has no obligation to provide insurance coverage or to pay any amount due under any insurance policy; all coverage is provided and all claims are paid by the applicable underwriting insurer under the policy. This section limits Bonzah's liability for its own services only, and does not limit or affect your rights against the insurer under your policy or under applicable insurance law.
Except as prohibited by applicable law, Bonzah's total liability to you for any cause whatsoever, and regardless of the form of the action, will at all times be limited to the amount of fees, if any, you paid to Bonzah for the Services giving rise to the claim.
Neither the underwriting insurers nor any rental or integration partner is liable to you under these Terms; your relationship with an insurer is governed by your policy, and any rental or integration partner is separately responsible for its own conduct and agreements.
Certain state and international laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages; if those laws apply to you, some or all of the above may not apply, and you may have additional rights.
Force Majeure
If performance of these Terms or any Agreement or any obligation hereunder is prevented, restricted, or interfered with by causes beyond Bonzah's reasonable control ("Force Majeure"), then such obligations of Bonzah shall be suspended to the extent necessary by such event. The term Force Majeure shall include acts of God, plague, epidemic, pandemic, outbreaks of infectious disease, or any other public health crisis, including quarantine or other employee restrictions, fire, explosion, vandalism, storm, or other similar occurrence, orders or acts of military or civil authority, or by national emergencies, insurrections, riots, or wars, strikes, lock-outs, work stoppages or other labor disputes, or supplier failures. Bonzah shall use reasonable efforts under the circumstances to avoid or remove such causes of non-performance and shall proceed to perform with reasonable dispatch whenever such causes are removed or ceased.
Limitations of liability
You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of: (1) use of the Services; (2) breach of these Legal Terms; (3) any breach of your representations and warranties set forth in these Legal Terms; (4) your violation of the rights of a third party, including but not limited to intellectual property rights; or (5) any overt harmful act toward any other user of the Services with whom you connected via the Services. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding that is subject to this indemnification upon becoming aware of it.
Indemnification
We maintain data you transmit through the Services to operate and administer the Services and your coverage, including records of your purchases, extensions, certificates, disclosures, and coverage elections, which we make available to you through the Services. Our collection and use of your personal information is governed by our Privacy Policy, which is incorporated into these Terms; in the event of a conflict regarding personal information, the Privacy Policy controls. To provide and administer coverage, you understand that your information is processed across the sales channels described above and shared with the applicable underwriting insurer and with service providers and partners as described in the Privacy Policy.
You are solely responsible for the accuracy and completeness of the information you provide, and for any data you transmit or that relates to your activity using the Services. Although we perform routine backups, we are not liable for any loss or corruption of such data, and you waive any right of action against us arising from such loss or corruption, except to the extent prohibited by law.
You are solely responsible for the accuracy and completeness of the information you provide, and for any data you transmit or that relates to your activity using the Services. Although we perform routine backups, we are not liable for any loss or corruption of such data, and you waive any right of action against us arising from such loss or corruption, except to the extent prohibited by law.
User data
The insurance products offered via bonzah.com are sold through four sales channels: (1) bonzah.com, (2) co-branded websites, (3) embedded on rental car company sites and rental management system (RMS) software, and (4) the Bonzah business partner portal. When you visit or transact through any of these channels or the Bonzah app (collectively, the "Services"), send us emails, or complete online forms, you are communicating with us electronically, and you consent to receive communications from us electronically. You agree that all agreements, notices, disclosures, certificates, and other communications we provide electronically — by email or through the Services — satisfy any legal requirement that such communications be in writing.
Your electronic signature. You agree that clicking "I Accept," "Purchase," "Extend," or a similar control, completing a purchase, extension, or modification through the Services, or submitting your personally identifiable information in connection with a purchase, extension, or modification, constitutes your electronic signature and your affirmative agreement to the documents presented at that time, including these Terms of Service, the Privacy Policy, the applicable Description of Coverage, the lists of excluded vehicles and excluded rental companies, the broker-of-record acknowledgment, the rental agency certification, and — where permitted by law — your election to opt out of Personal Injury Protection (PIP), Uninsured Motorist (UM), Underinsured Motorist (UIM), and Medical Payments coverage. Each purchase, extension, and modification is a separate electronic signature made as of its transaction date.
E-SIGN and UETA. You consent to transact business electronically under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN) and applicable state Uniform Electronic Transactions Acts (UETA). You may request a paper copy of any electronic record at no charge, and you may withdraw your consent to transact electronically, by contacting us at [email protected]; withdrawing consent may prevent you from purchasing or maintaining coverage. To access and retain electronic records you need a device with internet access, a current web browser, and the ability to view and save PDF files.
Records; state signature requirements. We retain records of your electronic transactions and make your certificates and confirmations available to you through the Services. Electronic signatures satisfy signature requirements to the extent permitted by applicable law; where a state requires a handwritten or original signature that electronic acceptance cannot satisfy, that requirement governs and controls over this section.
Your electronic signature. You agree that clicking "I Accept," "Purchase," "Extend," or a similar control, completing a purchase, extension, or modification through the Services, or submitting your personally identifiable information in connection with a purchase, extension, or modification, constitutes your electronic signature and your affirmative agreement to the documents presented at that time, including these Terms of Service, the Privacy Policy, the applicable Description of Coverage, the lists of excluded vehicles and excluded rental companies, the broker-of-record acknowledgment, the rental agency certification, and — where permitted by law — your election to opt out of Personal Injury Protection (PIP), Uninsured Motorist (UM), Underinsured Motorist (UIM), and Medical Payments coverage. Each purchase, extension, and modification is a separate electronic signature made as of its transaction date.
E-SIGN and UETA. You consent to transact business electronically under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN) and applicable state Uniform Electronic Transactions Acts (UETA). You may request a paper copy of any electronic record at no charge, and you may withdraw your consent to transact electronically, by contacting us at [email protected]; withdrawing consent may prevent you from purchasing or maintaining coverage. To access and retain electronic records you need a device with internet access, a current web browser, and the ability to view and save PDF files.
Records; state signature requirements. We retain records of your electronic transactions and make your certificates and confirmations available to you through the Services. Electronic signatures satisfy signature requirements to the extent permitted by applicable law; where a state requires a handwritten or original signature that electronic acceptance cannot satisfy, that requirement governs and controls over this section.
Electronic communications, transactions, and signatures
If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834, or by telephone at (800) 952-5210 or (916) 445-1254.
California users and residents
These Terms of Service are subject to change at any time. We may modify, update, or replace these Terms in our discretion by posting the revised Terms through the Services, and the current version — identified by its "Last updated" date — governs your use of the Services and any purchase, extension, or modification made after it is posted. Your continued use of the Services after revised Terms are posted constitutes your acceptance of them. Please review these Terms periodically for changes.
Changes to These Terms
These Terms of Service are written and provided in English, and any provided translation will be governed by the English version.
These Legal Terms and any policies or operating rules posted by us on the Services or with respect to the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Legal Terms and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Legal Terms or use of the Services. You agree that these Legal Terms will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Legal Terms and the lack of signing by the parties hereto to execute these Legal Terms.
The United States export control laws regulate the export and re-export of technology originating in the United States. This includes the electronic transmission of information and software to foreign countries and to certain foreign nationals. The User agrees to abide by these laws and their regulations—including but not limited to the Export Administration Act and the Arms Export Control Act and not to transfer, by electronic transmission or otherwise, any Content derived from bonzah.com to either a foreign national or a foreign destination in violation of such laws.
These Legal Terms and any policies or operating rules posted by us on the Services or with respect to the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Legal Terms and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Legal Terms or use of the Services. You agree that these Legal Terms will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Legal Terms and the lack of signing by the parties hereto to execute these Legal Terms.
The United States export control laws regulate the export and re-export of technology originating in the United States. This includes the electronic transmission of information and software to foreign countries and to certain foreign nationals. The User agrees to abide by these laws and their regulations—including but not limited to the Export Administration Act and the Arms Export Control Act and not to transfer, by electronic transmission or otherwise, any Content derived from bonzah.com to either a foreign national or a foreign destination in violation of such laws.
Miscellaneous
The provisions of these Terms of Use and Service are intended to be severable. If for any reason any provision of these Terms of Use and Service shall be held invalid or unenforceable in whole or in part in any jurisdiction, such provision shall, as to such jurisdiction, be ineffective to the extent of such invalidity or unenforceability without in any manner affecting the validity or enforceability thereof in any other jurisdiction or the remaining provisions hereof in any jurisdiction.
Severability
In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:
Pablow, Inc. dba bonzah.com
204 12th Street, Suite 400
Des Moines, IA 50309, USA
Phone: (515) 726-6924 – (515) 7BO-NZAH https://bonzah.com/company/contact
Pablow, Inc. dba bonzah.com
204 12th Street, Suite 400
Des Moines, IA 50309, USA
Phone: (515) 726-6924 – (515) 7BO-NZAH https://bonzah.com/company/contact
Contact us
The Terms of Service, including all documents referenced herein, represents the entire understanding between you and Bonzah.com regarding your relationship with Bonzah.com and supersedes any prior statements or representations. YOU AGREE TO BE BOUND BY THE TERMS OF USE AND SERVICE by using the Bonzah.com website.
The aforementioned Terms of Use and Service are subject to change at any time without notice to you, except as required by law.
The aforementioned Terms of Use and Service are subject to change at any time without notice to you, except as required by law.
Acknowledgment
Alaska
UNINSURED/UNDERINSURED MOTORISTS COVERAGE SELECTION/REJECTION FORM
