LAG Consulting Ltd ("we", "our", "us") is committed to protecting your privacy and complying with the General Data Protection Regulation (EU) 2016/679 (GDPR) and applicable Maltese data protection laws.

1. Who We Are

LAG Consulting Ltd is a Private Exempt Limited Liability Company registered in Malta. We act as an independent consultant introducing clients to third-party licensed insurance intermediaries.

2. What Data We Collect

We may collect and process the following personal data:
- Name, email address, phone number, and other contact details submitted via forms
- Business information (if applicable)
- Any other data voluntarily submitted by you

We strongly discourage the submission of sensitive personal data (e.g., health, financial, or government identification details) through our website or forms. If you provide such data, it will be processed only with your explicit consent.

3. How We Use Your Data

We use your data to:
- Respond to your enquiries
- Provide you with non-advisory consulting services
- Send newsletters or updates (if opted in)
- Fulfill legal and compliance obligations

We do not sell or rent your personal data to third parties.

4. Legal Basis for Processing

We process your data under one or more of the following legal grounds:
- Your consent
- The performance of a contract or steps prior to entering into a contract
- Compliance with legal obligations
- Our legitimate business interests (e.g., responding to enquiries)

5. Data Sharing

We may share your data with:
- Trusted third-party service providers (e.g., website hosting, email services)
- Licensed insurance intermediaries for referral purposes
- Legal or regulatory authorities where required

All third parties are required to maintain the confidentiality and security of your data.

6. Data Storage & Security

We store data securely and take appropriate technical and organisational measures to protect it from loss, misuse, or unauthorised access.

7. Your Rights

Under GDPR, you have the right to:
- Access your personal data
- Request correction or deletion
- Restrict or object to processing
- Data portability
- Withdraw consent at any time

To exercise your rights, contact us at: info@lagconsulting.com

8. Retention Period

We retain your personal data for:
- Enquiries: 12 months
- Clients: 7 years after last contact (to comply with legal and tax requirements)
- Marketing (with consent): until consent is withdrawn

9. Cookies

This Website may use cookies to enhance user experience. Cookies may be used for essential functionality, analytics, and performance improvements. You may disable cookies in your browser settings, but this may affect Website functionality.

Please refer to our [Cookie Policy] for more details.

10. Third-Party Links

We are not responsible for the privacy practices of third-party websites linked on our site.

11. Contact

For any privacy-related queries, please contact:
📧 info@lagconsulting.com

12. Changes to This Policy

We may update this Privacy Policy from time to time. Please review it periodically.