Terms of Service
Last updated: May 30, 2026
Company: Afthonea Inc.
Website: morrowinsure.com
Contact: common@morrowinsure.com
1. Agreement to these Terms
These Terms of Service govern your use of morrowinsure.com and any related website, chat, quote, or communication services provided by Afthonea Inc. dba Morrow Risk Advisory (“Morrow Risk Advisory,” “we,” “us,” or “our”).
By using our website or services, you agree to these Terms. If you use Morrow on behalf of a business, you confirm that you are authorized to act for that business.
2. What Morrow does
Morrow helps businesses explore, compare, obtain, and manage commercial insurance.
Morrow is not an insurance carrier. Insurance products are provided by third-party insurance carriers or other licensed insurance partners. Morrow may act as a producer, broker, agent, referral partner, or technology platform depending on the product, state, and transaction.
3. No guarantee of quotes or coverage
Using Morrow does not guarantee that you will receive a quote, qualify for coverage, obtain a specific price, or be approved by any insurance carrier.
Coverage is not active unless and until all required steps are completed and coverage is confirmed by the applicable carrier or authorized insurance representative.
Policy terms, conditions, exclusions, limits, and endorsements control the actual coverage. Website descriptions, summaries, chats, or emails do not change the terms of any insurance policy.
4. Your responsibilities
You agree to provide information that is accurate, complete, and current.
You are responsible for reviewing applications, quotes, policies, certificates, invoices, and other documents for accuracy. You should tell us promptly if anything is wrong or if your business changes in a way that may affect insurance coverage.
You also confirm that you have permission to provide any information you submit about your business, employees, contractors, drivers, owners, or other people.
5. No professional advice
Information on our website or provided through chat, email, or other communications is for general informational purposes only. It is not legal, tax, accounting, safety, HR, or risk-management advice.
You should consult qualified professionals for advice specific to your business.
6. Fees and payments
You are responsible for any premiums, fees, taxes, payment charges, installment payments, or other amounts related to insurance products or services you choose to purchase.
Any fees charged by Morrow, if applicable, will be disclosed where required.
7. Communications
By submitting your contact information, you agree that Morrow may contact you by email, phone, text, chat, or other reasonable means about your inquiry, quotes, policies, certificates, renewals, or related services.
You can ask us to stop sending marketing messages by contacting common@morrowinsure.com. We may still send important service, legal, or transaction-related messages.
8. Acceptable use
You agree not to:
- Use the website or services for illegal, fraudulent, or harmful purposes
- Submit false or misleading information
- Impersonate another person or business
- Interfere with the website or attempt to access systems without permission
- Copy, scrape, or misuse website content or technology
- Upload harmful code or materials
- Violate the rights of Morrow or others
We may restrict or stop your access if we believe you violated these Terms.
9. Intellectual property
Morrow owns or licenses the website, branding, content, design, software, and other materials used in our services. You may not copy, modify, distribute, sell, or misuse them without permission.
You may use insurance documents, quotes, certificates, and communications we provide to you for your own business and insurance purposes.
10. Third-party services
Our services may involve third parties, including insurance carriers, brokers, wholesalers, payment processors, software providers, and other partners.
We are not responsible for third-party websites, products, underwriting decisions, claims decisions, payment processing, privacy practices, or terms.
11. Privacy
Our Privacy Policy explains how we collect, use, and share information. By using Morrow, you also agree to our Privacy Policy.
12. Disclaimers
Our website and services are provided “as is” and “as available.” We do not promise that the website will always be available, error-free, secure, or complete.
To the fullest extent permitted by law, Morrow disclaims all warranties, whether express or implied.
13. Limitation of liability
To the fullest extent permitted by law, Morrow will not be liable for indirect, incidental, special, consequential, punitive, or lost-profit damages arising out of or related to your use of our website or services.
To the fullest extent permitted by law, Morrow’s total liability for any claim related to the website or services will not exceed $100 or the amount you paid directly to Morrow for the specific service giving rise to the claim, whichever is greater. Insurance premiums paid to carriers or third parties do not count as amounts paid to Morrow.
14. Changes to these Terms
We may update these Terms from time to time. If we make changes, we will update the “Last updated” date above. Your continued use of the website or services means you accept the updated Terms.
15. Contact
For questions about these Terms, contact us at: