Privacy Policy

Company: Afthonea Inc.
Website: morrowinsure.com
Contact: common@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, and share information when you visit morrowinsure.com, 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 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
• 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, 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

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.

6. Cookies and analytics

We may use cookies and similar technologies to operate our website, understand traffic, improve performance, and measure usage.

You can control cookies through your browser settings. Some website features may not work properly if cookies are disabled.

7. 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.

8. 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.

9. Your choices

You may contact us to request access, correction, or deletion of your information. We may need to keep certain information for legal, regulatory, insurance, fraud-prevention, or business-record purposes.

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

10. Children’s privacy

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

11. 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.

12. Contact

For questions about this Privacy Policy, contact us at:

common@morrowinsure.com