Terms of Service
Last updated: November 1, 2026
Company: Afthonea Inc.
Website: morrowinsure.com
Contact: support@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.
Submitting a form, uploading a document, or receiving an automated response does not by itself bind, change, renew, or cancel insurance. Policy instructions must be handled through the applicable carrier or an authorized insurance representative and confirmed through the required process.
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.
Keep your own copies of important insurance documents and communications. Website or portal access is not a substitute for your business’s recordkeeping.
5. Website information and professional advice
General website content and automated results provide information to help you understand insurance topics. They do not replace advice from a licensed insurance professional about your specific application, coverage, or policy instructions.
Contact a licensed Morrow advisor for help with your insurance transaction. Consult appropriate qualified professionals for legal, tax, accounting, safety, HR, or other professional advice.
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
When you submit a request and provide contact details, you consent to Morrow contacting you by email, phone, text, or chat about that request and the related insurance services. Our Privacy Policy’s contact-consent section explains your communication choices.
Text message frequency varies. Message and data rates may apply. Reply STOP to opt out of texts. You may also ask us to stop calls or texts, unsubscribe from promotional emails, 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 authorize unrelated marketing or automated marketing calls or texts that require separate consent. Any required marketing consent is optional and is not a condition of purchasing insurance or services. Necessary service, security, legal, or transaction information may still be sent by a permitted method, subject to applicable law and your communication preferences.
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, retain, and share information, including processing through AI tools and your privacy choices. These Terms do not replace any separate consent required by law or limit privacy rights that apply to your information.
12. AI-assisted services and automated results
Morrow may use AI and automation to extract and summarize documents, assist with application preparation and insurance research, organize service work, draft communications, and provide tools such as our coverage checkup. Some tools return automated results directly to you.
We also use information from our brokerage operations to develop, evaluate, train, and fine-tune Morrow’s own AI models and systems as described in our Privacy Policy. This use remains subject to applicable law, confidentiality obligations, contractual restrictions, and any required permissions or separate consent.
Automated results can contain errors, omissions, or outdated information. Review them against the original documents, application facts, and applicable policy wording before relying on them. Contact a licensed Morrow advisor if you need a review, have questions, or believe a result is incorrect.
An automated explanation, summary, suggestion, or unapproved draft is not an insurance contract, binder, endorsement, certificate, or carrier approval. Official insurance documents may be prepared with automated tools, but their issuance and effect depend on the applicable authorized process. Eligibility, underwriting, pricing, binding, and claims decisions remain subject to the applicable carrier, authorized parties, required processes, and policy terms.
The AI section of our Privacy Policy explains the information these tools may process and the role of technology providers.
13. Records and data retention
We retain information in accordance with the data-retention section of our Privacy Policy and applicable insurance, legal, and regulatory requirements. Required transaction records can remain subject to retention after a policy expires, an account closes, or our relationship with you ends.
A deletion request or ending your use of the website does not automatically erase records that must be retained. It also does not cancel or change an insurance policy. Submit any policy instruction through the carrier or your licensed advisor using the applicable process.
14. 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.
15. 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.
16. 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. For material changes, we will provide additional notice or request acceptance when required by applicable law. Updated Terms apply to your use of the website and services as permitted by law.
17. Contact
For questions about these Terms, contact us at: