Terms & Conditions
The basis on which LAG Consulting Ltd provides its services and makes this website available.
Please read these Terms and Conditions carefully before engaging our services or relying on any content on this website. By requesting a consultation, submitting an enquiry, or entering into an engagement with LAG Consulting Ltd, you confirm that you have read and understood these terms.
About LAG Consulting Ltd
LAG Consulting Ltd (company number C 113479) is a private limited liability company registered in Malta. We provide strategic consulting, risk assessment, coordination, and client-introduction services to private clients, family offices, and businesses.
LAG Consulting Ltd operates as a strategic consulting, risk assessment, coordination, and client-introduction firm. Where a matter requires regulated insurance distribution, product advice, policy placement, arrangement, execution, or other regulated activity, this is handled exclusively by appropriately authorised third-party partners. The identity and regulatory status of any such partner will be disclosed to the client before any introduction or referral is made.
Our work is designed to support client understanding, preparation, coordination, and strategic decision-making. It does not constitute regulated financial advice, insurance distribution, investment advice, tax advice, legal advice, or a personal recommendation to purchase, amend, cancel, replace, or renew any specific insurance or financial product.
Any regulated advice, product recommendation, quotation, application, policy placement, policy amendment, renewal, claims-related activity, or policy administration is the responsibility of the authorised partner, provider, or professional carrying out that activity.
Our Services
LAG Consulting Ltd provides strategic consulting and coordination services across private client risk, corporate risk, insurance landscape reviews, protection planning, existing-arrangement reviews, and specialist partner introductions. The following categories of service are subject to separate engagement terms agreed in writing with each client:
- Insurance landscape and gap analysis — reviewing existing arrangements to identify gaps, overlaps, or misalignments relative to the client's current circumstances
- Risk mapping — identifying and structuring the material risks faced by a client across personal, commercial, and cross-border dimensions
- Corporate and employee benefits review — assessing the structure of corporate protection and group benefit arrangements relative to the client's current profile and obligations
- Pre-acquisition and transaction risk assessment — reviewing the insurance and risk profile of a business or asset in the context of a proposed transaction
- Specialist partner introductions — connecting clients with authorised specialists suited to the next step, subject to prior written consent and fee disclosure
- Ongoing risk coordination — retained strategic support to help clients keep their insurance and risk arrangements under periodic review and aligned with their evolving personal, family, or business profile
The precise scope of any engagement will be set out in a written engagement letter or service agreement, which constitutes the binding contract between the parties.
Fees and Payment
Our fees are agreed and confirmed in writing before any engagement commences. No fees will be charged without prior written agreement.
- Fixed project fees are payable as set out in the relevant engagement letter, typically in advance or on a milestone basis
- Retainer fees are payable in advance of each period to which they relate, on terms agreed in writing
- Introducer fees — where LAG Consulting Ltd may receive an introducer fee, commission share, renewal commission, referral fee, or other remuneration from a third-party partner, the existence and nature of that remuneration will be disclosed to the client before the relevant introduction is made. The client is under no obligation to proceed with any introduced partner
Invoices are payable within 14 days of issue unless otherwise agreed. LAG Consulting Ltd reserves the right to suspend services in the event of non-payment and to charge interest on overdue amounts in accordance with the Commercial Recovery of Debt Act (Chapter 400 of the Laws of Malta) or successor legislation.
Nature and Limitations of Our Work
Our work is strategic and consultative in nature. Clients should be aware of the following:
- Our work depends on the completeness, accuracy, and timeliness of the information provided by the client and, where relevant, by authorised partners or third-party professionals. LAG Consulting Ltd is not responsible for conclusions, observations, or outcomes affected by incomplete, inaccurate, outdated, or withheld information
- Our work does not constitute legal, tax, investment, or regulated financial advice. Where such advice is required, clients should engage appropriately qualified and authorised professionals
- Insurance markets, policy terms, and regulatory requirements are subject to change. Our assessments reflect the position as understood at the time of the engagement
- LAG Consulting Ltd does not guarantee the availability of insurance cover, insurer acceptance, pricing, policy terms, renewal terms, underwriting outcome, claims outcome, tax treatment, regulatory treatment, or any commercial result arising from our work or from any partner introduction
- Any introduction is made for coordination and access purposes only. The client remains free to accept, decline, or seek alternative professional support. LAG Consulting Ltd does not control the advice, recommendations, decisions, pricing, documentation, conduct, or regulatory obligations of any third-party partner
- Any report, review, memo, consultation note, or written output prepared by LAG Consulting Ltd is prepared solely for the named client, for the specific purpose and context stated in the engagement. It may not be shared with, relied upon by, or used by any third party without our prior written consent
- The client remains responsible for all final decisions, including whether to proceed with any introduced partner, proposed structure, product, policy, provider, or course of action
Confidentiality
We treat all client information as strictly confidential. We will not disclose any information provided to us in the course of an engagement to third parties without your prior written consent, except:
- Where required by law, regulation, or order of a competent court or authority
- To professional advisers bound by equivalent confidentiality obligations
- To the extent necessary to introduce you to a partner, where you have given prior written consent
This obligation of confidentiality survives the termination of any engagement and continues indefinitely in relation to information that remains confidential in nature.
Limitation of Liability
To the fullest extent permitted by law:
- LAG Consulting Ltd's total aggregate liability arising out of or in connection with any engagement shall be limited to the total professional fees paid to LAG Consulting Ltd by the client under the relevant engagement during the 12 months preceding the event giving rise to the claim
- We shall not be liable for any indirect, consequential, or special loss, including loss of profit, loss of business, or reputational damage, however arising
- We shall not be liable for losses arising from a client's reliance on our work in circumstances not contemplated by the relevant engagement letter
- Nothing in these terms excludes or limits liability for fraud, wilful misconduct, gross negligence, or any liability that cannot lawfully be excluded under Maltese law
Website Use and Content
Website content is provided for general information and brand communication purposes only. It should not be treated as advice, a recommendation, an offer, an invitation to purchase, or a solicitation in respect of any insurance, investment, financial, legal, or tax product or service. In particular:
- Nothing on this website constitutes a personal recommendation to purchase any insurance product or financial instrument
- Descriptions of services on this website are indicative only; the scope of any engagement is determined by the written engagement letter
- We make reasonable efforts to keep website content accurate and up to date, but make no warranty as to its completeness, accuracy, or currency
- We are not responsible for the content of any external websites linked to or from this site
Use of this website, submission of an enquiry, booking of an introductory call, or download of any resource does not by itself create a client relationship. A client relationship is formed only when LAG Consulting Ltd has confirmed the engagement in writing.
Unauthorised use of this website, including any attempt to access data not intended for you or to interfere with the operation of the site, may give rise to civil or criminal liability.
Intellectual Property
All content on this website — including text, design, structure, graphics, and branding — is the intellectual property of LAG Consulting Ltd and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or use any such content without our prior written consent.
Written outputs produced in the course of a client engagement are prepared for the client's internal use only. In the absence of specific agreement, copyright in all outputs remains with LAG Consulting Ltd, with a non-exclusive licence granted to the client for their own internal use.
Complaints
If you are dissatisfied with any aspect of our service, please raise the matter with us in writing at info@lag-consulting.com. We will acknowledge your complaint within five business days and endeavour to provide a substantive response within 20 business days.
Where a complaint relates to a regulated activity carried out by an authorised partner to whom we have introduced you, the complaint should be directed to that partner in accordance with their own complaints procedure.
Termination
Either party may terminate an engagement by giving written notice in accordance with the terms of the relevant engagement letter. On termination:
- All fees accrued to the date of termination become immediately payable
- We will deliver any work product completed to the date of termination, subject to receipt of outstanding fees
- Obligations of confidentiality and limitation of liability provisions survive termination
We reserve the right to terminate an engagement immediately by written notice if a client acts in breach of these terms, provides materially inaccurate information, or if continuation would give rise to a conflict of interest or legal or regulatory concern that cannot reasonably be managed.
Changes to These Terms
We may update these Terms and Conditions from time to time. Material changes will be communicated to active clients in advance. The current version is always accessible from the website footer.
Governing Law & Jurisdiction
These Terms and Conditions are governed by and construed in accordance with the laws of Malta. The courts of Malta shall have exclusive jurisdiction to settle any dispute or claim arising in connection with these terms, save that LAG Consulting Ltd reserves the right to take proceedings in any other jurisdiction where necessary to protect its legitimate interests.