Welcome to Mono. These Terms of Use (“Terms”) govern your access to and use of Mono’s website, mobile applications, and services (collectively, the “Service”), operated by [Your Legal Entity Name] (“Mono”, “we”, “us”, or “our”).
By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.

1. Eligibility
You must be at least 18 years old and legally capable of entering into a binding agreement to use the Service. By using Mono, you represent and warrant that you meet these requirements.

2. Services
Mono provides digital banking support and remote onboarding solutions for international clients of Bank of Georgia and other financial institutions. This includes document collection, application submission, identity verification, and communication facilitation with the bank.

3. Account Registration
To access certain features of the Service, you may be required to register an account. You agree to provide accurate, current, and complete information, and to maintain the confidentiality of your login credentials.

4. User Responsibilities
You agree not to:

• Use the Service for any unlawful or unauthorized purpose
• Interfere with the operation or security of the Service
• Impersonate another person or entity
• Provide false or misleading information

5. Intellectual Property
All content, designs, logos, and software used in connection with the Service are the intellectual property of Mono or its licensors and are protected by applicable laws. You may not use, copy, or distribute any content without written permission.

6. Privacy and Data Protection (GDPR Compliance)
Mono is committed to protecting your privacy. We collect and process personal data only for the purposes of providing our services, in accordance with applicable data protection laws, including the General Data Protection Regulation (GDPR).
You have the right to request access to your data, correct inaccuracies, request deletion, and object to processing. For details, please refer to our [Privacy Policy].

7. Data Sharing with Bank of Georgia
You agree that any data you provide while using the Service — including personal information, identity documents, contact details, and application-related materials — may be securely transferred to Bank of Georgia and its affiliated entities for the purposes of onboarding, identity verification, account opening, service delivery, and compliance with legal requirements (including KYC/AML).
Mono only transmits data over secure channels and limits data sharing to what is necessary for providing the requested services.

8. Disclaimers
The Service is provided “as is” and “as available” without warranties of any kind, either express or implied, including, without limitation, merchantability, fitness for a particular purpose, and non-infringement.

9. Limitation of Liability
To the maximum extent permitted by law, Mono shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities, arising out of or related to your use of the Service.

10. Modifications
We reserve the right to modify these Terms at any time. Changes will be posted on our website with an updated “Last updated” date. Continued use of the Service constitutes acceptance of the modified Terms.

11. Termination
We may suspend or terminate your access to the Service at our discretion, without notice, if you breach these Terms or if we suspect illegal activity.

12. Governing Law
These Terms shall be governed by the laws of Georgia. Any disputes shall be subject to the exclusive jurisdiction of the courts of Tbilisi, Georgia.

13. Contact
If you have any questions about these Terms, please contact us:
Email: support@mono.ge
Address: D-Block, Stamba, 14, Merab Kostava street, Georgia (country) 0108