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Legal & Policies

Terms & Conditions

Last updated: 9/28/2026

1. Acceptance of Terms

By accessing and using MONSO ("the Platform"), you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use the Platform.

2. Platform Description

MONSO is a privacy-first insurance marketplace that connects private clients with verified insurance professionals. The Platform facilitates quote requests and submissions while protecting user privacy.

3. User Accounts

3.1 Registration

Users must provide accurate information during registration and maintain the accuracy of their account information.

3.2 Account Types

  • **Private Clients**: Individuals seeking insurance quotes
  • **Verified Professionals**: Licensed insurance brokers, advisors, and companies

    • 3.3 Account Security

    Users are responsible for maintaining the confidentiality of their account credentials.

    4. Privacy and Data Protection

    4.1 Data Collection

    We collect only the information necessary to provide our services. Personal contact details are never shared without explicit user consent.

    4.2 Data Usage

    User data is used solely for matching clients with appropriate insurance products and facilitating quote submissions.

    5. Professional Verification

    All professionals must complete our verification process before accessing client data or submitting quotes. This includes:

  • Identity verification
  • License and credential verification
  • FSP registration verification (where applicable)

    • 6. Quote Process

    6.1 Quote Requests

    Private clients may request quotes by completing their insurance profile with relevant, anonymised information.

    6.2 Quote Submissions

    Verified professionals may submit quotes based on anonymised client profiles.

    6.3 Quote Acceptance

    When a quote is accepted, clients choose which contact details to share with the professional.

    7. Prohibited Conduct

    Users may not:

  • Provide false or misleading information
  • Attempt to contact clients outside the Platform without consent
  • Use the Platform for any unlawful purpose
  • Resell or share client data

    • 8. Limitation of Liability

    MONSO does not provide insurance products directly and is not liable for the products or services provided by professionals on the Platform.

    9. Modifications

    We reserve the right to modify these terms at any time. Users will be notified of significant changes.

    10. Contact

    For questions about these terms, please contact us through the Platform.