Terms & Conditions
Terms & Conditions
LAG Consulting Ltd –Terms and Conditions
Effective Date: 1 October 2025 | Version: 1.0
Website: www.lag-consulting.com
Company: LAG Consulting Ltd (Company No. C113479)
Email: info@lag-consulting.com
1. Introduction
Welcome to the website of LAG Consulting Ltd (“we”, “our”, “us”). By accessing or using our website (the “Website”), you agree to comply with and be bound by these Terms and Conditions (“Terms”). Please read them carefully before using the Website.
If you do not agree with these Terms, you should discontinue use of our Website
These Terms govern your access to and use of our Website, including any content, functionality, and services offered through it.
2. Acceptance of Terms & Changes
By using the Website, you confirm that you are at least 18 years old and have the legal capacity to enter into these Terms. We may update these Terms from time to time by posting a new version on this page. The updated Terms are effective from the date shown above. Your continued use of the Website after changes are posted constitutes acceptance of the updated Terms.
3. About Us
LAG Consulting Ltd is a Private Exempt Single-Member Limited Liability Company registered in Malta. We provide business/management consulting and concierge services in relation to cross-border insurance and related solutions. We operate strictly as a consultancy and do not provide regulated financial, insurance, or investment advice under the Insurance Distribution Act (Cap. 487) or the Investment Services Act (Cap. 370) of the Laws of Malta.
4. Use of the Website
You agree to use this Website lawfully and only for its intended purpose. You must not use the Website:
- In any way that violates applicable local, national, or international laws or regulations.
- To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material.
- To impersonate LAG Consulting Ltd, our employees, partners, or any other person or entity.
- To interfere with or disrupt the operation of the Website or servers.
We reserve the right to restrict or terminate your access to the Website at our sole discretion if we believe you have breached these Terms.
5. Scope of Services and Partner Introductions
LAG Consulting Ltd provides consulting and coordination services within the international insurance sector. Our role is to support clients in providing insight and connecting with reputable market partners where appropriate. We may introduce you to third-party service providers who are duly licensed to offer regulated products or advice.
Any formal engagement, quotation, or policy arrangement arising from such introductions will be governed by that third party’s own terms and regulatory framework.
While we exercise care in selecting our partners, LAG Consulting Ltd is not responsible for the advice, performance, or contractual obligations of any third-party provider.
6. Website Content
All content on this Website — including text, graphics, images, logos, layout, design, and downloadable materials — is owned or licensed by LAG Consulting Ltd and protected by copyright and intellectual property laws.
You may view, download, and print materials for personal and non-commercial use only, provided that you:
- Do not remove any copyright or proprietary notices.
- Do not modify, reproduce, distribute, or exploit the content for commercial purposes without prior written consent.
Any unauthorised use may violate intellectual property laws and result in legal action.
7. Information Disclaimer
The information on this Website is provided for general information purposes only. While we aim to ensure the accuracy and relevance of all content, we make no representations, warranties, or guarantees — express or implied — about the completeness, reliability, suitability, or availability of any information or materials.
Nothing on this Website constitutes:
- Financial, insurance, tax, legal, or investment advice.
- A recommendation or solicitation to buy or sell any insurance or financial product.
We do not guarantee that the information will always be current, complete, or free from errors or omissions.
8. Third-Party Links
Our Website may include links to third-party websites or services. These are provided for your convenience only. We do not control or endorse such third-party content and accept no responsibility for their availability, accuracy, or practices. Your use of third-party websites is at your own risk and subject to their terms and policies.
We do not endorse or warrant the suitability, reliability, or availability of any third-party service, website, or content linked from our Website.
9. Legal Compliance & Restrictions
You must not use the Website in violation of applicable laws, trade or financial sanctions, or restrictions.We may restrict access where required by law or where we reasonably believe your use would expose us to legal or regulatory risk.
10. Security, Viruses & Availability
We do not guarantee that the Website will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes, and platform to access the Website and should use your own virus protection software. We may suspend, withdraw, or restrict the availability of all or any part of the Website for business and operational reasons.
11. Data Protection and Cookies
We respect your privacy. Your personal data is handled in accordance with our Privacy Policy and Cookie Policy, which form part of these Terms. By using our Website, you consent to the processing of your personal data and the use of cookies as described in those policies.
12. Limitation of Liability
To the fullest extent permitted by law, LAG Consulting Ltd and its directors, employees, or affiliates shall not be liable for any loss or damage — including direct, indirect, incidental, or consequential — arising from or in connection with:
- Your use or inability to use the Website.
- Reliance on any information or materials on the Website.
- Any linked websites or third-party content.
Nothing in these Terms excludes or limits liability that cannot be lawfully excluded under Maltese law.
13. Indemnity
You agree to indemnify, defend, and hold harmless LAG Consulting Ltd, its directors, and employees from and against any claims, liabilities, damages, losses, or expenses arising from your breach of these Terms or misuse of the Website.
14. Force Majeure
We shall not be liable for any delay or failure to perform any obligation under these Terms where the delay or failure results from events, circumstances, or causes beyond our reasonable control, including acts of God, epidemic or pandemic, government action, regulatory actions, cyber incidents, or internet or telecommunication failures.
15. Severability
If any provision of these Terms is found to be invalid, unlawful, or unenforceable, that provision shall be deemed severed to the minimum extent necessary and the remaining provisions shall continue in full force and effect.
16. No Waiver
No failure or delay by us in exercising any right or remedy provided under these Terms or by law shall constitute a waiver of that or any other right or remedy.
17. Assignment
You may not assign, transfer, or subcontract any of your rights or obligations under these Terms without our prior written consent. We may assign or transfer our rights and obligations to another entity in connection with a merger, acquisition, or corporate reorganisation.
18. Entire Agreement
These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and us regarding your use of the Website and supersede all prior understandings related to this subject matter.
19. Notices & Contact
If you have questions about these Terms or wish to send formal notices, please contact us:
Email: info@lag-consulting.com
20. Governing Law and Jurisdiction
These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and interpreted in accordance with the laws of Malta. The Maltese courts shall have exclusive jurisdiction to settle any dispute arising under or in connection with these Terms.
LAG Consulting Ltd –Terms and Conditions
Effective Date: 1 October 2025 | Version: 1.0
Website: www.lag-consulting.com
Company: LAG Consulting Ltd (Company No. C113479)
Email: info@lag-consulting.com
1. Introduction
Welcome to the website of LAG Consulting Ltd (“we”, “our”, “us”). By accessing or using our website (the “Website”), you agree to comply with and be bound by these Terms and Conditions (“Terms”). Please read them carefully before using the Website.
If you do not agree with these Terms, you should discontinue use of our Website
These Terms govern your access to and use of our Website, including any content, functionality, and services offered through it.
2. Acceptance of Terms & Changes
By using the Website, you confirm that you are at least 18 years old and have the legal capacity to enter into these Terms. We may update these Terms from time to time by posting a new version on this page. The updated Terms are effective from the date shown above. Your continued use of the Website after changes are posted constitutes acceptance of the updated Terms.
3. About Us
LAG Consulting Ltd is a Private Exempt Single-Member Limited Liability Company registered in Malta. We provide business/management consulting and concierge services in relation to cross-border insurance and related solutions. We operate strictly as a consultancy and do not provide regulated financial, insurance, or investment advice under the Insurance Distribution Act (Cap. 487) or the Investment Services Act (Cap. 370) of the Laws of Malta.
4. Use of the Website
You agree to use this Website lawfully and only for its intended purpose. You must not use the Website:
- In any way that violates applicable local, national, or international laws or regulations.
- To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material.
- To impersonate LAG Consulting Ltd, our employees, partners, or any other person or entity.
- To interfere with or disrupt the operation of the Website or servers.
We reserve the right to restrict or terminate your access to the Website at our sole discretion if we believe you have breached these Terms.
5. Scope of Services and Partner Introductions
LAG Consulting Ltd provides consulting and coordination services within the international insurance sector. Our role is to support clients in providing insight and connecting with reputable market partners where appropriate. We may introduce you to third-party service providers who are duly licensed to offer regulated products or advice.
Any formal engagement, quotation, or policy arrangement arising from such introductions will be governed by that third party’s own terms and regulatory framework.
While we exercise care in selecting our partners, LAG Consulting Ltd is not responsible for the advice, performance, or contractual obligations of any third-party provider.
6. Website Content
All content on this Website — including text, graphics, images, logos, layout, design, and downloadable materials — is owned or licensed by LAG Consulting Ltd and protected by copyright and intellectual property laws.
You may view, download, and print materials for personal and non-commercial use only, provided that you:
- Do not remove any copyright or proprietary notices.
- Do not modify, reproduce, distribute, or exploit the content for commercial purposes without prior written consent.
Any unauthorised use may violate intellectual property laws and result in legal action.
7. Information Disclaimer
The information on this Website is provided for general information purposes only. While we aim to ensure the accuracy and relevance of all content, we make no representations, warranties, or guarantees — express or implied — about the completeness, reliability, suitability, or availability of any information or materials.
Nothing on this Website constitutes:
- Financial, insurance, tax, legal, or investment advice.
- A recommendation or solicitation to buy or sell any insurance or financial product.
We do not guarantee that the information will always be current, complete, or free from errors or omissions.
8. Third-Party Links
Our Website may include links to third-party websites or services. These are provided for your convenience only. We do not control or endorse such third-party content and accept no responsibility for their availability, accuracy, or practices. Your use of third-party websites is at your own risk and subject to their terms and policies.
We do not endorse or warrant the suitability, reliability, or availability of any third-party service, website, or content linked from our Website.
9. Legal Compliance & Restrictions
You must not use the Website in violation of applicable laws, trade or financial sanctions, or restrictions.We may restrict access where required by law or where we reasonably believe your use would expose us to legal or regulatory risk.
10. Security, Viruses & Availability
We do not guarantee that the Website will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes, and platform to access the Website and should use your own virus protection software. We may suspend, withdraw, or restrict the availability of all or any part of the Website for business and operational reasons.
11. Data Protection and Cookies
We respect your privacy. Your personal data is handled in accordance with our Privacy Policy and Cookie Policy, which form part of these Terms. By using our Website, you consent to the processing of your personal data and the use of cookies as described in those policies.
12. Limitation of Liability
To the fullest extent permitted by law, LAG Consulting Ltd and its directors, employees, or affiliates shall not be liable for any loss or damage — including direct, indirect, incidental, or consequential — arising from or in connection with:
- Your use or inability to use the Website.
- Reliance on any information or materials on the Website.
- Any linked websites or third-party content.
Nothing in these Terms excludes or limits liability that cannot be lawfully excluded under Maltese law.
13. Indemnity
You agree to indemnify, defend, and hold harmless LAG Consulting Ltd, its directors, and employees from and against any claims, liabilities, damages, losses, or expenses arising from your breach of these Terms or misuse of the Website.
14. Force Majeure
We shall not be liable for any delay or failure to perform any obligation under these Terms where the delay or failure results from events, circumstances, or causes beyond our reasonable control, including acts of God, epidemic or pandemic, government action, regulatory actions, cyber incidents, or internet or telecommunication failures.
15. Severability
If any provision of these Terms is found to be invalid, unlawful, or unenforceable, that provision shall be deemed severed to the minimum extent necessary and the remaining provisions shall continue in full force and effect.
16. No Waiver
No failure or delay by us in exercising any right or remedy provided under these Terms or by law shall constitute a waiver of that or any other right or remedy.
17. Assignment
You may not assign, transfer, or subcontract any of your rights or obligations under these Terms without our prior written consent. We may assign or transfer our rights and obligations to another entity in connection with a merger, acquisition, or corporate reorganisation.
18. Entire Agreement
These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and us regarding your use of the Website and supersede all prior understandings related to this subject matter.
19. Notices & Contact
If you have questions about these Terms or wish to send formal notices, please contact us:
Email: info@lag-consulting.com
20. Governing Law and Jurisdiction
These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and interpreted in accordance with the laws of Malta. The Maltese courts shall have exclusive jurisdiction to settle any dispute arising under or in connection with these Terms.