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The website (hereinafter “website”) is the property of MONOCOSMOS OÜ, with registered office in Narva mnt 5, 10177 Tallinn, Estonia (company with registration number 12726280).

The MONOCOSMOS OÜ collects financial proposals from third parties. MONOCOSMOS OÜ does not provide financial services.


By providing your personal information on the Website and using our services you accept and agree to comply with all the Conditions mentioned below. Please read these Terms and Conditions. If you do not agree with them, please do not provide your personal information on the Website.


All products and services of MONOCOSMOS OÜ are subject to these Terms of Use of the Website.

  1. Informative purposes of the Website

This Website is created for informational purposes only and does not constitute an offer to use the products or services mentioned on this Website. MONOCOSMOS OÜ assumes no responsibility for the decisions of the user, based on the information presented on this Website. Likewise, we are not responsible for any damage that may be caused by the use of the information displayed on this Website.

  1. Terms and conditions of use

2.1 You agree not to use any material on this Website that may contain viruses, malware or any harmful component and to not modify in any way the content of the Website.

We can not guarantee that this Website and all the information displayed are in accordance with local laws, regulations or restrictions and are suitable for use elsewhere.

2.2 You agree that you are solely responsible for the use of the Website by any user who accesses from your computer, as well as the fact that you or said user comply with these Terms. You agree to notify MONOCOSMOS OÜ. immediately of any unauthorized use of the address of your registered email address in our database or of any other security breach, including that of your equipment.

2.3 By providing your personal information on this Website you agree that this information will not be confidential, which provides us with a perpetual and exclusive license for the use, publication, reproduction, modification, adaptation and public display, as well as its complete or partial translation , in accordance with the basic principles of this Privacy Policy. We reserve the right to remove without notice any information you provide on this Website.

  1. Waiver and limitation of liability

3.1 MONOCOSMOS OÜ takes all necessary measures to guarantee the relevance of the content of the Website. This Website may contain the links of third parties. MONOCOSMOS OÜ does not guarantee or assume responsibility for the accuracy, consistency, timeliness and integrity of the content of third-party information on this Website and is not responsible for any damages resulting from the use of its content. MONOCOSMOS OÜ reserves the right to cancel this Website without prior notice.

3.2 The information on this Website is for informational purposes only and does not constitute recommendations for the use of all the services offered on the Website. MONOCOSMOS OÜ is not liable for any direct, incidental, consequential, indirect or criminal damages that may arise from the access or use of any content on this Website, including viruses, regardless of the accuracy or completeness of said content.

3.3 The information on this Website is provided “as is” and “as available.” MONOCOSMOS OÜ does not guarantee that this Website will operate without interruption or be error-free.

  1. Changes

4.1 We reserve the right to change these Terms and Conditions at any time without prior notice. You are solely responsible for and agree to periodically review the Terms and Conditions of this Website, as well as to consult the most recent information. If you use the Website after the changes have been made, it means that you agree to the new Terms and Conditions. It is recommended from time to time to print and save a copy of the Terms and Conditions related to our services, from which you benefit.

  1. Third-party websites

5.1 Links from this Website to third-party websites are shown for informational purposes only. We are not responsible for their content, since we do not check these websites. You are solely responsible for the use of links to other web pages that are displayed on our Website. We suggest you read the conditions of use of these pages.

  1. Electronic communications

6.1 The sending of communications by electronic means is in accordance with the regulations established in Organic Law 15/1999, of December 13, on the Protection of Personal Data and in Law 34/2002, of July 11, on Services of the Information Society and Electronic Commerce, insofar as the personal data are collected duly and with the consent of the recipient.

  1. Copyright of MONOCOSMOS OÜ

7.1 The copyright, information, materials and their publication on this Website are our property, unless otherwise indicated. We reserve all copyrights, trademarks, patents and other intellectual property rights related to the information and materials published on the Website.

7.2 You can temporarily print, copy, download or store fragments of this Website for your personal use or to use our products and services. You have no right to make any changes.

7.3 Any other use of the information and materials on this Website, including its use on other websites, as any mention of MONOCOSMOS OÜ is prohibited without our prior written permission. Except as mentioned above, signs, logos and trademarks of MONOCOSMOS OÜ may not be used.

  1. Data Protection

8.1 MONOCOSMOS OÜ is committed to dealing with maximum privacy, confidentiality and security any information freely provided by the user through the various forms on the website. In each of these forms it is reported in detail about the purpose and use of the data.

8.2 The data collected are appropriate, relevant and not excessive in relation to the scope, purposes and services determined, explicit and legitimate of MONOCOSMOS OÜ. Notwithstanding the foregoing, any data processing may be revoked at any time by those affected by exercising their rights. The user may exercise the rights of access, rectification, cancellation and opposition to the processing of their personal data by directing a written communication to the aforementioned address or by contacting us through the following email address:

8.3 The user is solely responsible for the accuracy of the data provided to MONOCOSMOS OÜ. The user undertakes not to enter false data. In the event that a user enters false or relative data to another person without their consent, MONOCOSMOS OÜ is not responsible for their treatment.

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