These Terms & Conditions (“T&C”) set out the framework governing all services provided by FYI Marketing and Consulting Ltd, a company registered in Cyprus (“FYI”), to its clients (“Client”). By entering into an order, subscription, or agreement with FYI, the Client accepts and agrees to these T&C.
1. General Scope of Services
FYI provides marketing, consulting, and digital content services for businesses in the financial services industry and beyond. Services may include, but are not limited to:
Search engine optimization (SEO)
Content creation and distribution
Social media management and campaigns
Brand visibility and sentiment analysis
Market research, reporting, and strategy consulting
The exact scope of services will be defined in a signed order, invoice, or service agreement (“Order”).
2. Trial Subscriptions (New Clients Only)
FYI offers limited trial packages for new clients to experience selected services:
FYI Organic Boost – Three-month SEO and backlinking program.
FYI Social Takeover – Six-month managed social media activation.
Each trial runs for the duration specified in the Order and will not automatically renew. The first installment (covering the first month) must be paid in advance. Subsequent installments are invoiced at the end of each month, with payment due within fourteen (14) days of the invoice date. Any continuation beyond the trial period requires a new written agreement.
3. Fees & Payment Terms
Fees & Billing All fees are specified in the applicable Order and are charged on a monthly basis unless otherwise agreed.
First Payment The first installment is payable in advance online via FYI’s website (e.g., PayPal, credit card, or equivalent payment methods).
Subsequent Payments Following installments will be invoiced and paid in accordance with the terms agreed between FYI and the Client.
VAT Treatment
Prices are stated exclusive of VAT.
For entities registered in Cyprus, 19% VAT will be added on top of the net payment in accordance with local law.
For entities established outside Cyprus but within the European Union, the reverse charge mechanism applies, and the Client is responsible for declaring VAT in their jurisdiction (a valid EU VAT ID is required).
For entities established outside the EU, no VAT will be charged by FYI; the Client is responsible for any taxes or duties applicable in their jurisdiction.
Responsibility of the Client The Client is responsible for ensuring timely payment of all fees and for compliance with local tax obligations, including but not limited to VAT, sales tax, or withholding tax where applicable.
Late Payments FYI reserves the right to suspend or terminate services in the event of late or non-payment.
Refunds All fees are non-refundable once services have commenced.
4. Client Responsibilities
The Client agrees to:
Provide FYI with timely access to accounts, platforms, and information necessary to perform the services.
Review and approve deliverables within a reasonable timeframe.
Accept that delays on the Client’s side may reduce deliverables without affecting payment obligations.
5. Deliverables & Limitations
FYI will deliver services with due care and professional expertise.
No guarantees are made regarding specific outcomes (e.g., search rankings, traffic volumes, engagement metrics, or financial results).
Reports and recommendations are advisory in nature; implementation is the Client’s responsibility unless otherwise agreed.
6. Confidentiality
Both parties agree to keep confidential all non-public information exchanged during the engagement, unless disclosure is legally required.
7. Intellectual Property
Deliverables (reports, content, creative assets) may be used by the Client for internal and external purposes.
FYI retains ownership of proprietary tools, frameworks, and methodologies.
8. Affiliate Links & Partnerships
FYI may include affiliate links, sponsored placements, or partnerships in its reports, services, or content. FYI may receive commissions or other benefits from these relationships. Such partnerships do not compromise FYI’s commitment to objective and professional research.
9. Editorial Guidelines & Disclaimer
All content and reports are researched and fact-checked to the best of FYI’s ability.
FYI does not guarantee that information will be error-free, complete, or continuously up to date.
Clients and readers should conduct independent verification before making business or financial decisions.
FYI assumes no liability for losses or damages arising from reliance on its reports, services, or recommendations.
10. Termination
Either party may terminate services with written notice, subject to any notice period in the Order.
Fees already paid remain non-refundable.
11. Limitation of Liability
FYI shall not be liable for indirect, incidental, or consequential damages.
FYI’s total liability shall not exceed the amount paid by the Client under the relevant Order.
12. Governing Law & Jurisdiction
These T&C are governed by the laws of Cyprus. Any disputes shall be subject to the exclusive jurisdiction of the courts of Cyprus.
13. Miscellaneous
These T&C together with the applicable Order constitute the entire agreement between the parties.
Modifications require written agreement.
If any clause is found unenforceable, the remaining provisions remain valid.
These T&C apply to all services provided by FYI, unless otherwise agreed in writing.
14. Acceptance By entering into an Order or subscription with FYI, the Client acknowledges and accepts these Terms & Conditions.