Terms & Conditions

Last updated: March 2024

These Terms & Conditions (hereinafter “T&C”) set out the legal terms that apply to your use of our website https://raftisconsulting.eu/, any of its sub-domains and any other websites operated by us or on our behalf and any mobile device application or desktop application developed by us or on our behalf (together, the “websites” and “website” being a reference to any one of them).

You are advised to read these T&C and make sure that they are clear and unambiguous to you, before using our website. We encourage you to print or save a copy of these T&C. Note, that by accessing and using our website, you signify your acceptance to be legally bound by these T&C. To use our services, you must be at least 18 years of age and have the power to enter a binding contract with us and not be barred from doing so under any applicable law(s).

Changes to Terms & Conditions

You can review the most recent version of these T&C at any time through our website.

We reserve the right, at our sole discretion, to update, modify or replace any part of these T&C by posting updates and changes to our website. It is your responsibility to check our website periodically for any changes. Your continued use of or access to our website following the posting of any changes to these T&C, signifies your acceptance of those changes.

Understanding the Terms & Conditions

When referring to “we”, “us” or “our”, we mean A.G. Raftis Business Consulting Ltd and/or A.G. Raftis Trustees Ltd and/or A.G. Raftis & Co Ltd. Where we refer to “you”, “your” or “customer” we mean you, the person using our website and our services.

“Business day” means any day which is not a Saturday, Sunday or bank or public holiday in Cyprus.

“Services” refer to the services we provide.

All references in these T&C to times of day are references to Cyprus time.

Numerous headings are used, to make it easy for you to understand these T&C and to help you have easy access to several useful information.

About Us

The tradename for this website is known as Raftis Consulting and we are the current operators of this website. Our registered office is located at 12A Apollonias, Mesa Geitonia, 4004 Limassol, Cyprus.

Our Liability to you in Relation to the Services

If, while we provide our services to you, we do not comply with these T&C, we are only accountable for loss or damage that is a foreseeable result of our breach of these T&C and/or our negligence. However, we will not be held liable, in any case, for any liability for loss or damage that is not foreseeable nor caused by our own fault or negligence.

Limitation of Liability

Without prejudice to the foregoing, we shall not be liable for any special or consequential damages that result from the use of, or the inability to use, this website or any of the materials contained therein. Under no circumstances A.G. Raftis Business Consulting Ltd and/or A.G. Raftis Trustees Ltd and/or A.G. Raftis & Co Ltd shall have any liability to you for damages, losses and causes of action, whether in contract, tort or otherwise, for accessing this website.

How to Control Cookies

When you use our website, following consent, we may store information on your computer. This information will be in the form of a “cookie” or similar file. Cookies allow us to tailor our website to better meet your interest or preferences. With most internet browsers, you can erase cookies from your computer hard drive, block all cookies or receive a warning before a cookie is stored. Please refer to aboutcookies.org for more information. If you delete cookies or set your browser settings to prevent them from being placed on your computer, you may have to manually adjust some preferences every time you visit a site and some functionalities may not work or may not work properly.

Intellectual Property, Software and Content

A.G. Raftis Business Consulting Ltd and/or A.G. Raftis Trustees Ltd and/or A.G. Raftis & Co Ltd are the owners or the licensees of all intellectual property rights of this website and its content (such as text, images, graphics, logos, button icons, audio clips, video clips, digital downloads, data compilations and software including the presentation and compilation of the same) (“content”). Photo credits are attributed to Pexels.com. The rights in this website and the content are protected by international copyright laws as well as by any relevant national law concerning copyright, authors’ rights, database right laws and proprietary rights laws. All such rights are reserved. You must not systematically extract, reproduce, republish and/or re-utilise parts of this website or the content. Specifically, the usage of any data mining, robots, or similar data gathering and extraction tools to extract and/or for the re-utilisation of any substantial parts of the website is not allowed. Our prior written consent is needed, if you want to produce and/or publish your own database that features substantial or any parts of the website.

Except where expressly stated to the contrary, all persons (including their names and images), third party trademarks, services and/or locations featured on this website are in no way associated, linked or affiliated with us. Any trademarks/names featured on this website are owned by the respective trademark owners.

Other Important Information

1. The contents of this website and any social media sites containing the logo and trademark of Raftis Consulting is for your information and use only and is subject to change without notice.
2. This website and/or its social media platforms contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, text, layout, look, appearance, and graphics. Reproduction is prohibited.
3. Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
4. Your use of any information or materials on this website or the Raftis Consulting social media platforms, are entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any services or information available through this website or social media meet your specific requirements.
5. Unauthorised use of this website or social media platforms may give rise to a claim for damages and/or be a criminal offence.
6. You may not create a link to this website from another website or document without the prior written consent of A.G. Raftis Business Consulting Ltd and/or A.G. Raftis Trustees Ltd and/or A.G. Raftis & Co Ltd.

Events Beyond our Control

We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations to you if such failure or delay is caused by an event outside of our control.

An event outside of our control refers to any act or event beyond our reasonable control, such as act(s) of God, pandemics, wars, terrorist attacks, embargos, riots, strikes, lock-outs, trade disputes, fires, floods, earthquakes or other natural disasters, break-down, inclement weather, interruption of transport, Government action or failure of public or private telecommunications or transport networks.

If such an event takes place and it affects the performance of our obligations to you: (i) we will notify you at the first available opportunity; and (ii) our obligations to you will be suspended for the duration of the event.

Complaints

We operate a complaint handling procedure, which we will use to try to resolve all the issues as soon as they appear. Do not hesitate to let us know if you have any complaints or comments. Please visit our Contact page to get in touch with us and speak directly with us about your complaint.

Waiver

If you breach these T&C and we take no action, or if there is a reasonable delay in taking action, it does not conclude that we waived our rights, and we will still be entitled to use our rights and claim any remedy that may be available under the circumstances. If we are to waive a breach, this will only be performed in writing (signed by our Managing Director), and that will not mean that we will automatically waive any possible later breach by your side.

Entire Agreement

These T&C constitute the entire agreement between us. Their effect supersedes any kind of agreements entered between us. Their effect also supersedes agreements made before you accepted these T&C.

What Happens if a Dispute Arises?

No party to this agreement shall commence any Court or alternative dispute resolution proceedings relating to a dispute or difference arising out of or related to this agreement, unless that party has first complied with this clause.

The parties agree to mediate any dispute or difference arising out of or in connection with this T&C, including any question regarding its existence, validity or termination. Should the parties not be able to agree the selection of a mediator and/or terms and/or fees within ten (10) working days from the date one party delivers written notice to the other party that they wish the dispute or difference be resolved by mediation, then either party may request the appointment of the mediator by the Cyprus Mediation Association, who will determine all relevant matters. Should a party fail to attend the mediation joint meeting then that party shall be responsible for all the costs of the mediation.

Notices

Any notice to be given by either party to the other, may be served by email, fax, personal service or by post to the address of the other party, as such party may from time to time have communicated to the other in writing; and if sent by email shall unless the contrary is proved be deemed to be received on the day it was sent; if sent by fax shall be deemed to be served on receipt of an error free transmission report; if given by letter shall be deemed to have been served at the time at which the letter was delivered personally; or if sent by post shall be deemed to have been delivered in the ordinary course of post.

Governing Law and Jurisdiction

The laws of the Republic of Cyprus govern all matters arising out of or relating to these T&C, including, without limitation, their validity, interpretation construction, performance, and enforcement. The Courts of the Republic of Cyprus will have the exclusive jurisdiction over any dispute or claim arising out of these T&C.

Disclaimer

We make all effort to ensure the accuracy of the information provided on this website. Any liability which might arise from your use or reliance on the information or links contained on the website is excluded.

The content of this website is provided for the sole purpose of providing you with general information only, to inform you about us, the services we offer and any business developments which may be of interest. We make no warranties, representations, or undertakings about any of the content of this website (including, without limitation, any as to the quality, accuracy, completeness or fitness for any particular purpose of such content). It does not constitute advice of any type or nature and should not be treated by you or relied on for this purpose, without first obtaining specific advice to your own situation. We do not accept any responsibility for any loss which may arise from such reliance. Use of this website is not intended to and does not create any business-client relationship.

We endeavour to prevent any computer viruses and other harmful components on this website; however, we shall accept no liability for them if they occur.

No representation or warranty is provided in respect to the uninterrupted or error free operation of our website and we accept no liability in respect thereof.

We will not accept any responsibility or liability for any material supplied by or contained on or downloaded from any third-party website which is linked from or to this website or any use of personal data by such third party.