Is it free?

Yes

Can I use it commercially?

Yes, you can use it for commercial and non-commercial games completely free!

Is it really a game engine?

Short Answer: For common purposes, sure, you can think of Monogatari as a visual novel engine

Technical Answer: Monogatari is a web development framework created to build modern websites that just happen to be games, it lacks quite a lot of elements to be considered a real game engine as it is only using an already available platform: your browser.

Who develops Monogatari?

A lot of awesome people help developing Monogatari, you can view the whole list here: https://monogatari.io/contributors​

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