Privacy Policy

Company: Afthonea Inc.
Website: morrowinsure.com
Contact: support@morrowinsure.com

1. Who we are

Morrow is operated by Afthonea Inc. dba Morrow Risk Advisory (“Morrow Risk Advisory,” “we,” “us,” or “our”). We help businesses explore and obtain commercial insurance.

This Privacy Policy explains how we collect, use, retain, and share information when you visit morrowinsure.com, use our related customer portals or brokerage services, submit a form, use our chat, request a quote, or communicate with us.

2. Information we collect

We may collect information you provide directly to us, including:

• Your name
• Business name
• Email address
• Phone number
• Business location
• Business type and operations
• Insurance needs
• Current or past insurance information
• Claims history
• Employee, payroll, revenue, vehicle, property, or other business information needed for insurance quotes
• Any documents or messages you choose to send us

We collect this information through forms, quote applications, chat, email, text messages, telephone calls, voicemails, and documents. We may also receive information from someone authorized to act for you, referral partners, insurance carriers, brokers, wholesalers, and public business records when relevant to your request. Communication records may include messages, voicemails, and call transcripts. Any call recording is subject to applicable notice and consent requirements.

We may also collect basic website information automatically, such as IP address, browser type, pages visited, device information, and how visitors use our website.

3. How we use your information

We use your information to:

• Respond to your questions
• Understand your business and insurance needs
• Help prepare insurance applications or quote requests
• Share information with insurance carriers, brokers, wholesalers, or other partners who may help provide quotes or coverage
• Communicate with you about quotes, policies, certificates, renewals, or service requests
• Process information and documents through tools you choose to use, such as our automated coverage checkup
• Develop, evaluate, train, and fine-tune Morrow’s own AI models and systems, subject to the conditions in our AI section below
• Improve our website and services
• Prevent fraud, protect our business, and comply with legal or regulatory requirements

4. How we share your information

We may share your information with:

• Insurance carriers
• Brokers, wholesalers, managing general agents, or other insurance partners
• Service providers that help us run our website, email, chat, analytics, document analysis, payments, CRM, or other business tools
• Legal, regulatory, or government authorities when required or appropriate
• A buyer, investor, or successor if our business is involved in a merger, acquisition, financing, or sale

When you use tools such as our coverage checkup, information you enter and the contents of documents you upload may be sent to technology providers, including artificial intelligence providers, to generate the requested analysis. Please provide only information needed for the request and information you are authorized to share.

We do not sell your personal information for money.

5. Insurance information

Insurance quotes and coverage often require detailed business information. By submitting information to Morrow, you authorize us to use and share that information as needed to help obtain quotes, place coverage, service policies, issue certificates, or support related insurance services.

Coverage is not guaranteed. Final coverage, pricing, and eligibility are determined by the insurance carrier and applicable policy terms.

Our use and disclosure of insurance information remain subject to applicable insurance privacy laws. This policy does not limit your rights under those laws or any additional insurance privacy notice that applies to your transaction.

6. Consent to contact you

By submitting a form, quote application, chat enquiry, or other request to Morrow, you consent to Afthonea Inc. dba Morrow Risk Advisory contacting you by email, telephone, or text message at the contact details you provide about that request. This includes following up on your enquiry, discussing requested quotes or coverage, requesting application information, and responding to related service requests.

Text message frequency varies based on your request and our conversation. Message and data rates may apply. You can opt out of texts by replying STOP. You can also ask us to stop calls or texts, or change your contact preferences, by telling your advisor, calling (339) 209-0983, emailing support@morrowinsure.com, or using another reasonable method.

Submitting a request does not by itself provide consent to unrelated marketing or to marketing calls or texts that use an automatic telephone dialing system or an artificial or prerecorded voice. Where separate consent is required, we will request it separately. Consent to those marketing communications is optional and is not a condition of purchasing insurance or other services.

You can unsubscribe from promotional emails using the instructions in those emails or by contacting us. We may still send necessary account, policy, security, or service information by a permitted method, subject to applicable law and your communication preferences.

7. Cookies, analytics, and advertising measurement

We use cookies, browser local storage, and similar technologies to operate our website, remember preferences, understand traffic, improve performance, and measure usage and advertising results. Some storage lasts only for a session; other storage remains until it expires or is cleared.

Our website uses Google Ads conversion measurement and may use PostHog for analytics, including page views, interactions, performance and error information, and session replay. These tools may collect device and browser identifiers, IP addresses, referral information, and activity on our website. When you sign in, analytics activity may be associated with your account.

Third-party tools, including Google’s advertising tools, may collect information about your activity over time and across different websites or online services. For their practices and available controls, see Google’s Privacy Policy, Google’s ad settings, and PostHog’s Privacy Policy.

You can manage cookies and local storage through your browser settings. Our PostHog analytics configuration respects browser Do Not Track signals; that setting does not control every third-party tool. Some website features may not work properly if cookies or local storage are disabled.

8. Artificial intelligence and automation

We may use artificial intelligence and automated tools to help deliver our brokerage and technology services. These tools may process information relevant to your request, including business and contact details, application answers, documents, messages, and call transcripts.

Examples of these uses include:

• Extracting, classifying, and summarizing information in applications, quotes, policies, endorsements, contracts, and other documents
• Helping prepare applications, reconcile information, research insurance options, and organize service work
• Assisting with drafts of communications and follow-up tasks
• Providing automated tools, such as our coverage checkup, that explain insurance requirements or compare supplied documents

Relevant information may be processed by external AI and technology providers as described in “How we share your information.” AI processing can involve transmitting document contents or extracts, prompts, and generated results. Processing and retention by those providers depend on the service used, applicable agreements, and legal requirements.

Training and fine-tuning Morrow’s models

We also use data from our brokerage operations to develop, evaluate, train, and fine-tune Morrow’s own AI models and systems. This can include insurance applications and documents, customer emails and text messages, call transcripts, internal annotations, and AI inputs and results. These materials may contain personal information and confidential business information. We use them to improve tasks such as extracting information, preparing applications, assisting communications, and supporting insurance service workflows.

Model development and training remain subject to applicable privacy and insurance laws, confidentiality obligations, contractual restrictions, and any required permissions or consent. Where additional consent is required, we obtain it separately. This update does not retroactively expand permitted uses of information collected under different privacy commitments; any required notice and consent must be addressed before an additional training use. You can contact us to ask about this use of your information or request a restriction; we assess requests under applicable law and the circumstances of the information involved.

Automated results and help from an advisor

AI-generated information can be inaccurate, incomplete, or out of date. An automated explanation, summary, or suggestion does not by itself bind, change, or cancel insurance or override policy terms. Insurance carriers remain responsible for their underwriting and coverage decisions. You can ask a licensed Morrow advisor to help review an automated result or correct information by contacting support@morrowinsure.com or calling (339) 209-0983.

9. Data security

We use reasonable safeguards to protect your information. However, no website or online service is completely secure, so we cannot guarantee absolute security.

10. Data retention

We keep information for as long as reasonably necessary to provide our services, comply with legal or regulatory obligations, resolve disputes, prevent fraud, and maintain business records.

Different periods apply to enquiries, applications, quotes, policy and certificate records, claims-related information, communications, consent records, website analytics, and technical logs. Retention depends on the record type, the state and insurance transaction involved, our relationship with you, and when a policy expires, is cancelled, or a transaction is completed.

Where California producer recordkeeping requirements apply, required transaction records must generally be kept for at least five years after the policy expires or is cancelled. Other laws, record types, carrier requirements, or pending matters may require longer retention.

We may retain relevant records after your relationship with Morrow ends, including where needed for an unresolved claim, complaint, audit, investigation, litigation, legal hold, or another applicable recordkeeping obligation. AI inputs and results kept in an application or service file follow the retention rules for that file. Temporary processing copies, backups, and provider-held records may follow separate retention cycles.

Training and evaluation datasets may be retained while reasonably needed for model development, validation, and improvement, subject to applicable law and the restrictions described above. Removing information from an active client file does not necessarily remove it from separate datasets or reverse completed model training. Requests involving this information are assessed for retained source records, training and evaluation copies, and resulting models as required by applicable law.

You can request deletion or ask about retention by emailing support@morrowinsure.com. We assess requests against applicable law, required records, pending matters, and the systems holding the information. Where permitted, information may be deleted or de-identified; we will explain any limitation on your request when required by law. We may keep limited records needed to honor an opt-out or document how a request was handled.

11. Your choices and privacy requests

You may contact us to request access to, a copy of, correction of, or deletion of your information, or to ask about restrictions on its use or disclosure. Your rights depend on applicable law and the type of information. We may need to verify your identity and authority before acting on a request. We may need to keep certain information for legal, regulatory, insurance, fraud-prevention, or business-record purposes.

To make a request, email us at support@morrowinsure.com.

12. Children’s privacy

Our website and services are intended for businesses and adults. We do not knowingly collect personal information from children under 13.

13. Third-party websites and services

Our website may link to carrier websites, payment services, or other websites and services operated by third parties. Their privacy practices are governed by their own policies. Please review those policies before providing information directly to them.

14. Changes to this policy

We may update this Privacy Policy from time to time. If we make changes, we will update the “Last updated” date above. For material changes, we will provide additional notice and obtain consent when required by applicable law.

15. Contact

For questions about this Privacy Policy, contact us at:

support@morrowinsure.com
(339) 209-0983