Terms & Conditions for IOANNOU & CO

Effective Date: October 1st, 2025
These Terms & Conditions (“Agreement”) govern your use of the website www.cyprustaxaccounting.com and the accounting services (“Services”) provided by IOANNOU & CO (“we,” “our,” “us”), a company registered in Cyprus.

By accessing or using our Website and Services, you (“User,” “Client,” “you”) agree to be bound by these Terms & Conditions. If you do not agree with any part of this Agreement, you should not use our website or Services. If you have logged in you should immediately log out.

TABLE OF CONTENTS
1. Acceptance of Terms
2. Services
3. Use of website
4. User accounts
5. Fees & payment
6. Confidentiality and Privacy
7. Intellectual property
8. Limitation of liability
9. Termination
10. Governing law and dispute resolution
11. Indemnity
12. Links to third-party websites
13. Force Meujure
14. Changes to Terms & conditions
15. Contact us
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1. Acceptance of Terms
By using our website and Services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions, including any updates or amendments. We reserve the right to modify or update these terms at any time, and changes will be effective immediately upon posting on this page.
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2. Services
IOANNOU & CO provides accounting, social insurance/payroll, incorporation and immigration services to individuals, businesses, and organizations in Cyprus. The specific services offered will be outlined in your contract of engagement, which may vary depending on the client and its needs.

Our Services may include but are not limited to:

• Accounting
• Social Insurance/Payroll
• Incorporation (through our partners)
• Immigration
• Mail Forwarding
• Other custom-specified Services

By engaging us for Services, you authorize us to perform these tasks as per the agreed terms and you also agree to provide us access to confidential company or personal information.
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3. Use of Website
You agree to use our website only for lawful purposes and in accordance with these Terms & Conditions. Specifically, you agree not to:

• Use the website in any way that violates any applicable local or international law or regulation
• Engage in any conduct that could disable, damage, or impair the functionality of our website
• Attempt to gain unauthorized access to any part of the Website, our systems, or servers
• Upload or transmit any harmful material, such as viruses or malware
• Attempt to download forms without authorization (password-protected access)
• Copy any content, logos, text, images, videos, and other materials on the website
We reserve the right to terminate or suspend your access to the website if you violate any of these terms, or it you try to violate any of these terms.
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4. User Accounts
To use certain features or access certain Services on our website, you may be required to create an account. By doing so, you agree to:

• Provide accurate, current, and complete information about yourself.
• Maintain the confidentiality of your account and password.
• Notify us immediately if you suspect any unauthorized use of your account.
• Be fully responsible for all activities under your account.
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5. Fees and Payment
Fees for our Services will be outlined in a separate engagement agreement and are also officially listed on our website. Unless otherwise agreed, payment for our Services is due upon completion of the work, monthly, or as otherwise agreed, and you are responsible for ensuring timely payment.

• Accepted Payment Methods: We accept payments via bank transfer, PayPal, and cash.
• Late Payment: If payment is not received within 30 days, we may charge interest on overdue amounts at a rate of 3% per month.
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6. Confidentiality and Privacy
We take your privacy and confidentiality seriously. By using our Services, you agree that:

• We will keep your personal and financial information confidential unless required by law or with your express consent.
• We will use your information only to provide the agreed services and comply with legal requirements.
• For further information, please refer to our Privacy Policy.
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7. Intellectual Property
All content, logos, text, images, videos, and other materials on the Website are the property of IOANNOU & CO and are protected by copyright and other intellectual property laws. You are granted a limited, non-exclusive, and non-transferable license to access and use the Website for personal or business purposes.

You may not reproduce, distribute, modify, or create derivative works based on our intellectual property without our express permission. Please email us requesting permission and we will most probably grant it.
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8. Limitation of Liability
To the fullest extent permitted by law, IOANNOU & CO and its employees, agents, or affiliates are not liable for any damages arising from:

• The use or inability to use our website or Services.
• Any errors or omissions in the content or information provided
• Inability to access any of the website content
• Any third-party websites or services linked to or from our website
• Any errors committed in good faith on part of our company of the web site developer

We guarantee the accuracy, completeness, or reliability of the information provided on our website or through our Services. We encourage users to contact us if they find any inaccuracy due to our error in good faith. However, our liability is limited to the maximum extent permitted by law.
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9. Termination
We may suspend or terminate your access to the website or Services at any time, without notice, if you violate any of these Terms & Conditions. In the event of termination, all provisions of these terms that, by their nature, should survive termination will remain in effect, including, without limitation, ownership provisions, disclaimers, indemnity, and limitations of liability.

We may also cease to provide our Services if there are unsettled and overdue debit balances with our company, beyond the interest charges on overdue accounts per Term 5. Finally we reserve the right to terminate our services for any other reason we deem appropriate.
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10. Governing Law and Dispute Resolution
This Agreement is governed by the laws of the Republic of Cyprus. Any disputes arising out of or in connection with this Agreement will be resolved through mediation or arbitration in accordance with the laws of the Republic of Cyprus.

If any provision of these Terms & Conditions is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
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11. Indemnity
You agree to indemnify and hold harmless IOANNOU & CO, its affiliates, directors, officers, employees, and agents from and against any claims, losses, liabilities, damages, costs, or expenses (including legal fees) arising from:

• Your use of the website or Services.
• Your violation of these Terms & Conditions.
• Your violation of the website Privacy Policy
• Your infringement of any third-party rights.
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12. Links to Third-Party Websites
Our website may contain links to third-party websites or services that are not controlled by us. We are not responsible for the content, privacy policies, or practices of any third-party websites. We encourage you to review the terms and policies of any third-party websites before using them.
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13. Force Majeure
We shall not be liable for any failure or delay in performing our obligations under these Terms & Conditions if the failure or delay is caused by circumstances beyond our reasonable control, including but not limited to natural disasters, strikes, or government restrictions.
We shall also not be responsible for any failure or delay in performing our obligations under these Terms & Conditions if the failure or delay is caused by the client. The client is responsible for providing all necessary documents (invoices, credit notes, bank statements, contracts, payment slips, deposit slips,) or any other document requested by IOANNOU & CO in order to perform its obligations under the contract of engagement.
We shall also not be responsible for any failure or delay in performing our obligations under these Terms & Conditions if the client has overdue debit balances with our company.
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14. Changes to Terms & Conditions
We reserve the right to update or modify these Terms & Conditions at any time. Changes will be posted on this page with an updated “Effective Date.” You are encouraged to review these terms regularly to stay informed about any updates.
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15. Contact Us
If you have any questions or concerns regarding these Terms & Conditions, please contact us at:

IOANNOU & CO
Email: info@cyprustaxaccounting.com
Phone: +357-95107007
Address: Lambousas 5 Str., Tala, Paphos District, CY-8577, CYPRUS
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