WEBSITE TERMS OF USE
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Preface
The Website Terms of Use (“Terms”) set out below are for MONO.insure Brokers (Pty) Ltd (“Mono,” “we,” “our,” or “us”) pertaining to the access and use of the information, products, services and functions provided on Mono’s website (www.mono.insure). Mono is a registered financial services provider in South Africa, with FSP Number 52923. These Terms applies to all users of, and visitors to, our website.
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Acceptance of Terms
By accessing or using our website, you (the “User”) agree to comply with these Terms and confirm that you have read, understood, and accept them. Mono reserves the right to modify, update, or replace any part of these Terms at our discretion. It is the User’s responsibility to review this document periodically for changes. Continued use of our website following any changes constitutes acceptance of the updated Terms. If you, the User, do not agree to these Terms, please refrain from accessing, viewing, displaying in a browser or by any other means, engaging with, downloading, or otherwise copying or distributing any content available on or through the website.
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Scope of Services
Mono provides financial products and services related to insurance solutions. The information provided on our website is for general informational purposes only and is not intended as financial or investment advice. Any services accessed via our website are subject to separate agreements and regulations governed by the Financial Sector Conduct Authority in South Africa.
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Eligibility
By using our website, you represent that you are at least 18 years of age and legally capable of entering binding contracts in South Africa. Users may not use our website for any unlawful or unauthorised purpose.
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Website Content
All rights in and to all intellectual property rights in and to the website, including all current and future content that is displayed on the website, the software on which the website operates, and reporting formats produced by Mono are the property of, or are licensed to, Mono, and shall remain vested in Mono. Any submission from a User to Mono for posting on the website, grants Mono a non-exclusive licence to use, reproduce, publish, sub-license, copy or distribute such content. Users may not modify, reproduce, distribute, or exploit the content for commercial purposes without our express written consent from Mono.
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Use of the Website and Prohibited Conduct
Users agree to use our website only for lawful purposes and in compliance with these Terms. Prohibited conduct includes but is not limited to:
- Unauthorised access to any part of the website, our servers, or networks.
- Attempting to disable or interfere with the website’s security features.
- Uploading any malicious code, viruses, or other harmful material.
- Impersonating another person or entity.
We reserve the right to terminate access for any User found engaging in prohibited conduct or violating these Terms.
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Account Registration and Security
Certain areas of our website may require Users to create an account. Users are responsible for maintaining the confidentiality of their account information and are solely responsible for all activities under their account. Users must notify us immediately of any unauthorised use or breach of security.
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Privacy Policy
Our Privacy Policy governs the collection, use, and sharing of personal information provided by Users on our website. By using our services, you consent to our data practices as described in the Privacy Policy.
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Limitation of Liability
To the extent permitted by South African law, Mono shall not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with the User’s use of our website or reliance on any information provided herein. This includes any damages for loss of profits, data, or other intangible losses, even if we have been advised of the possibility of such damages.
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Conflict of Interest Disclosure
Mono wishes to disclose that it may refer certain leads to Mirabella Network (Pty) Ltd and/or Mirfin Valuation Services (Pty) Ltd. A director and shareholder of Mono also holds directorship and shareholding in Mirabella Network (Pty) Ltd and Mirfin Valuation Services (Pty) Ltd.
This referral arrangement is established to ensure the best possible service to our clients while maintaining full transparency and compliance with industry standards. Mono remains committed to acting in the best interests of its clients and upholding ethical business practices at all times.
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Disclaimer of Warranties
Mono makes no representation or warranties regarding the accuracy, completeness, or reliability of any information or content of our website. We do not guarantee that the website will be error-free, uninterrupted, or free of viruses, or other harmful components. Users agree that their use of our website is at their own risk.
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Governing Law
These Terms are governed by the laws of the Republic of South Africa. Any dispute arising from these Terms, or the use of the website shall be resolved under the jurisdiction of South African courts.
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Severability
If any provision of these Terms is deemed invalid or unenforceable, that provision shall be enforced to the maximum extent possible, and the remaining provisions shall remain in full force and effect.
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Contact Information
If you have questions or comments about these Terms or our services, please contact us at:
MONO.insure Brokers (Pty) Ltd (2022/692928/070)
Shere Grace 7
Shere AH
Pretoria 0084
010 595 3899
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Updated: 13 March 2025, © MONO.insure Brokers (Pty) Ltd