insert and update depending on if the user has submitted information before

I’m not sure what you mean by using the “let toUpdate” bit.

As you get deeper into Velo, the API Reference will be your new best friend (API Overview - Velo API Reference - Wix.com). You might want to also look into using the backend for added security, although that might be more complicated than you want right now (Velo: Security Best Practices | Help Center | Wix.com).