Terms of Service

Mizan is a software-as-a-service platform designed for commercial insurance brokers operating in MENA and internationally. These Terms of Service form a legally binding agreement between your brokerage firm (or, if you are using Mizan as an individual broker, you personally) and Mizan, governing your access to and use of the platform, including all features, APIs, and related services.

By creating a workspace, inviting team members, or accessing any part of the platform, you confirm that you have the authority to bind your firm to these terms, or — if acting in your personal capacity — that you accept them yourself. We may update these terms from time to time; material changes will always be communicated with advance notice as described in Section 6.

These terms apply to all subscription tiers — Pilot, Growth, and Enterprise — and to any preview or beta features we make available. Where an Enterprise agreement or order form contains provisions that differ from these terms, the order form controls for the topics it covers.

When you register, you agree to provide accurate, complete, and current information about your brokerage firm, including the firm name, country of registration, and any license details you choose to include. You are responsible for keeping this information up to date. Mizan is licensed on a per-seat basis: each named individual who accesses the platform requires their own seat, and seats may not be shared between users.

The person who creates the workspace is the workspace administrator by default. Administrators may invite additional users, assign roles, and manage billing. You are responsible for maintaining the security of your administrator credentials and for all activity that occurs under your workspace — including activity by team members you have invited. If you suspect unauthorised access, please notify us immediately at hello@mizan.io.

If your firm uses Mizan under an Enterprise agreement with per-tenant key management, your administrators also hold responsibility for key-rotation schedules and for ensuring that access rights are revoked promptly when team members leave.

You may use Mizan solely for lawful brokerage and insurance-related activities. You must not upload, submit, or process data that you do not have a legal right to handle — including personal data collected without a valid legal basis, or confidential information belonging to third parties that you are not authorised to share with a cloud platform.

You must not attempt to circumvent, probe, or breach the tenant isolation boundaries of the platform. Mizan uses Postgres row-level security to ensure that each workspace's data is logically separated from all other workspaces. Any deliberate attempt to access another workspace's data — even if a misconfiguration were to make it technically possible — is a material breach of these terms and may result in immediate suspension.

You may not resell, sublicense, or white-label access to Mizan's platform or APIs without our prior written consent. This includes creating applications that pass through Mizan's functionality to end-users outside your own brokerage firm. Permitted use is limited to your firm's internal operations and to interactions with your clients and insurer partners in the ordinary course of your licensed brokerage activities.

All client data, policy records, documents, and other content that you upload or generate within your workspace belongs to your firm. Mizan claims no ownership over your data. We process your data solely to provide the services described in these terms and our Privacy Notice, and we act as a data processor on your behalf with respect to personal data relating to your clients and employees.

You may export your workspace data at any time using the built-in export tooling available in the platform. Exports are available in machine-readable formats and include all deal records, document metadata, contact data, and commission records associated with your workspace. We recommend taking regular exports as part of your own business continuity practice.

If you request deletion of your workspace or your subscription lapses, Mizan will retain a recoverable copy of your data for a period of 30 days to allow for re-activation or final export. After that window closes, your data will be permanently deleted from our systems in accordance with our data retention policy. See the Privacy Notice for further details on retention periods.

Mizan charges on a per-seat, per-month basis at the rate published on the pricing page at the time of your subscription or renewal. Charges are billed in advance at the start of each billing period. You are responsible for all fees associated with seats you have provisioned, including seats for team members who may no longer be active — it is your administrator's responsibility to remove unused seats to avoid continued billing.

You may cancel your subscription at any time by contacting hello@mizan.io or using the cancellation flow in workspace settings. Cancellation takes effect at the end of the current billing period; we do not offer pro-rated refunds for partial months. If Mizan terminates your access for a breach of these terms, any fees already paid for the current period are non-refundable.

Upon termination or cancellation, your workspace will enter a 30-day data export window during which you may access and export your data. During this window, your workspace will be set to read-only mode. After the export window expires, all workspace data will be permanently deleted. Mizan reserves the right to suspend access immediately — without an export window — in cases of serious breach, including attempted unauthorised access to other tenants' data.

The platform is provided on an 'as-is' and 'as-available' basis. Mizan does not warrant that the platform will be uninterrupted, error-free, or free from security vulnerabilities, although we use commercially reasonable efforts to maintain availability and security. We disclaim all implied warranties to the extent permitted by applicable law.

To the fullest extent permitted by law, Mizan's aggregate liability to you for any claim arising from or related to these terms or your use of the platform shall not exceed the total fees you paid to Mizan in the twelve months immediately preceding the event giving rise to the claim. In no event shall Mizan be liable for indirect, incidental, special, or consequential damages, including loss of profits or loss of data, even if advised of the possibility of such damages.

We may update these terms from time to time. For changes that materially affect your rights or obligations, we will provide at least 30 days' advance notice by email to the workspace administrator and by in-product notification. If you continue to use the platform after the effective date of a change, you will be deemed to have accepted the updated terms. If you do not agree to a material change, you may terminate your subscription before the effective date.