Bonsai is a technology platform that only helps you compare and arrange insurance through Willy Insurance Brokers, a licensed insurance broker in Singapore; policies are underwritten and claims are paid by the respective insurers. Bonsai is provided on an as-is basis; it is information, not financial advice, and your insurance decisions remain your own. To the extent permitted by law, neither Bonsai nor Willy Insurance Brokers is liable for any loss arising from your use of the platform. See our Terms of Service.