Terms and Conditions (Substantial and Revocable)

Contents

INTRODUCTION
Scope of Services
Regulatory Status
Affiliates, Associated Entities & No Group or Cross-Liability Disclaimer
Instructions, Contract Formation & Updates
Client Responsibilities
Liability for Third-Party Handling of Documents
Fees, Invoices, Contract Formation & Payments
Changes to Scope, Suspension, Termination & Assignment
Confidentiality, Data Protection, Client Conduct & Compliance
Third-Party Professionals & Referrals
Internet, Technical, Security & Online Marketing Services
Delivery, Performance & Completion
Warranties
Intellectual Property
Force Majeure
Limitation of Liability
Indemnity
Ongoing Services, Renewal, Assignment, Termination & Client Conduct
Fee Payments, Third-Party Accounts & Compliance
Complaints
Affiliates, Associated Entities & Global Liability Disclaimer
Accuracy of Online Content & No Personal Liability
Governing Law, Jurisdiction & Regulatory Compliance
Final Provision: Accessibility & Electronic Execution

CITI VENTURE GROUP LTD

TERMS & CONDITIONS / TERMS OF BUSINESS
Company No. 11039098
Registered in England & Wales
Registered Office: 1 Grace House, Bessborough Road, Harrow, England, HA1 3EX

Please read these Terms and Conditions / Terms of Business (“Terms”) carefully before instructing CITI VENTURE GROUP LTD (Company No. 11039098).

1. INTRODUCTION

1.1 These Terms and Conditions (“Terms” or “Terms of Business”) apply to all services provided by CITI VENTURE GROUP LTD (“CVG, “CVG UK”, “we”, “us”, “our”) to any individual or entity (“Client”, “you”, “your”), unless expressly varied in writing.

1.2 By signing any agreement, contract, engagement letter, memorandum, or similar document or by paying any part of our fees, you confirm that you have read, understood and agreed to be bound by these Terms.

1.3 These Terms govern all instructions, agreements, addenda, variations, declarations, renewals and business dealings between CVG UK and the Client. Unless expressly stated otherwise, these Terms apply to existing, continuing and future instructions and operate retrospectively to all ongoing/current instruction matters.

1.4 Your formal engagement of our services, whether by

(i) signing an agreement or engagement document,
(ii) issuing written or electronic confirmation of instruction, or
(iii) making any payment towards our fees, constitutes full acceptance of and agreement to be bound by these Terms.

1.5 These Terms operate together with our Privacy Policy, Cookies Policy and Website Terms of Use published on our official website www.citiventuregroup.co.uk or on any official CVG UK social media platform. These may be updated without notice, and continued use of our services constitutes acceptance of the updated terms.

2. Scope of Services
2.1 CVG UK provides non-regulated consultancy, coordination and administrative support services strictly within the permitted activities of its Nature of business (SIC). These services are advisory and facilitative in nature and do not constitute regulated professional services. The principal service areas include the following:
70229 – Management consultancy activities other than financial management
85600 – Educational support services
66190 – Activities auxiliary to financial intermediation not elsewhere classifiedB

A. 70229 – Management consultancy activities other than financial management
Provision of non-regulated business support, consultancy and coordination services, including:
2.1.1 Business setup advisory, facilitation and administrative support in the GCC (including the United Arab Emirates, Saudi Arabia, Qatar, Kuwait, Bahrain and Oman) and internationally, including but not limited to offshore and international jurisdictions such as Singapore, Hong Kong, Switzerland, Cyprus, Malta, Estonia, Mauritius, the British Virgin Islands, the Cayman Islands, Seychelles, Panama, United States, and worldwide subject to applicable laws, third-party requirements and regulatory approvals.
2.1.2 UK business setup advisory and facilitation, delivered where required through independently licensed partners, including HMRC-registered agents.
2.1.3 Market research and strategic intelligence.
2.1.4 Business consultancy and business management consultancy.
2.1.5 Business analysis and operational strategy development.
2.1.6 Coordination of specialist legal services through independent licensed partners, where appropriate.

Note: CVG UK does not provide legal advice, regulated corporate structuring, fiduciary services or any activity requiring professional authorisation. Such services are undertaken solely by independent licensed providers.

Global Migration Consultancy (Non-UK)
Administrative and procedural support for migration pathways to jurisdictions outside the United Kingdom.
Provision of non-regulated procedural and administrative assistance relating to immigration pathways in various jurisdictions, including but not limited to:

European/Schengen states,
Canada,
United States,
Australia,
New Zealand,
the GCC (including the United Arab Emirates, Saudi Arabia, Qatar, Kuwait, Bahrain and Oman)
and other international destinations.2.1.7 Document preparation assistance and collation.

2.1.8 Scheduling, submission coordination and communication support.
2.1.9 General procedural guidance relating to immigration processes.

2.1.10 Immigration Assistance & Governmental Decision-Making

CVG UK does not provide regulated immigration advice or representation in any jurisdiction.
CVG UK does not claim, imply or suggest that it provides, facilitates, supervises or delivers regulated UK immigration advice or services within or outside the United Kingdom.
CVG UK may assist Clients with global immigration matters through non-regulated administrative support and, where required, through its international partner network.
Where a business plan or similar document is required for immigration, licensing, visa, or other governmental or regulatory purposes, the underlying business concept, commercial rationale, assumptions, and innovative elements must originate from the Client. CVG UK does not devise, validate, or guarantee the viability, originality, or approval of any business idea. CVG UK’s role is limited to compiling, structuring, and presenting information provided by the Client in a format suitable for submission, without providing regulated immigration, legal, or financial advice.
CVG UK and its partners prepare and submit applications in accordance with the Client’s instructions and in good faith; however, CVG UK cannot influence, control, or guarantee any endorsement bodies, third-party, or governmental decisions.
CVG UK is not part of any government, embassy, consulate or immigration authority.
CVG UK is a private entity and does not have the authority to grant, issue, approve or guarantee the approval of any visa, immigration status, permit or governmental authorisation. All decisions relating to visas, permits and immigration applications rest exclusively with the relevant governmental or immigration authority.

2.1.11 Changes in Foreign or UK Immigration Laws, Policies or Visa Categories

Services are provided based on legislation, policies, and procedural guidance that are publicly available at the time the Services are performed. CVG UK is not responsible for any inaccuracy, impact, or consequence arising from subsequent or non-public changes to such laws or policies.
If, before submission of the Client’s application, any relevant immigration authority amends, suspends, restricts, or withdraws the applicable visa category, that route shall no longer be available. CVG UK will notify the Client of such changes only once it becomes aware of them and may, where feasible, suggest alternative options consistent with the updated requirements.
No delay in preparation or submission of an application, whether caused by the Client, CVG UK, third parties, or circumstances beyond either party’s control, shall give rise to liability on the part of CVG UK where, during such delay, the relevant visa route is amended, suspended, or withdrawn. The Client remains solely responsible for monitoring all applicable immigration updates, eligibility criteria, and procedural requirements.

Non-Regulated Property Investment Consultancy and Brokerage

2.1.12 CVG UK provides non-regulated consultancy, referral, and brokerage services for property and real estate investment opportunities in the GCC (including the United Arab Emirates, Saudi Arabia, Qatar, Kuwait, Bahrain and Oman) and worldwide. Such services may include introductions, general partner or referral arrangements with property developers, the provision of market information, project overviews, and administrative or strategic support.

CVG UK acts solely as an introducer, broker or general partner, as applicable, and does not provide regulated financial advice, investment advice, legal advice, tax advice, estate agency services or fiduciary services under the Financial Services and Markets Act 2000, FCA rules, or any equivalent regulatory regime in the UK, GCC or elsewhere.

2.1.13 CVG UK does not guarantee the performance, value, return, completion or profitability of any property or investment and does not control, manage or underwrite any development project. Any contract for purchase, investment or participation in a property project is entered into directly between the Client and the relevant developer or third party, and CVG UK shall not be a party to such agreements unless expressly stated in writing.

All investment decisions are made entirely at the Client’s own discretion and risk, and Clients are strongly advised to obtain independent regulated legal, financial and tax advice before proceeding with any transaction.

Pakistan Law & Legal Support (Foreign Law Advisory)

Advisory and coordination relating to Pakistan law.
All formal legal work is performed exclusively by Pakistan-based licensed Advocates and law firms.

Facilitative and administrative support relating to legal matters governed by Pakistan law, including:

2.1.14 Coordination of instructions, documentation and communication through Pakistan-based legal professionals.

All legal advice, representation, drafting or advocacy is performed strictly by licensed Advocates and law firms in Pakistan. CVG UK does not provide foreign legal advice.

Any assistance provided by CVG UK in relation to Pakistan or any other foreign law is limited to liaison, coordination, or administrative support and does not constitute UK or foreign legal services. All legal representation, filings, and formal legal work are carried out exclusively by duly licensed lawyers and authorised law firms in the relevant jurisdiction.
CVG UK may introduce or refer Clients to CHISTY LAW CHAMBERS LLP (Pakistan) or other foreign legal professionals. Each such entity operates as a separate and independent legal entity, acts entirely in its own capacity, and is not a subsidiary, branch, agent, or representative of CVG UK.

B. Educational Support Services
Provision of non-regulated educational guidance and coordination services, including:

Introductions to educational consultants, institutions and service providers.
Advisory support relating to educational pathways, programmes or institutional engagement.

CVG UK does not issue academic qualifications, conduct assessments, or provide regulated educational services.

2.2 Service descriptions on the CVG UK website or marketing materials are for general information purposes only. In the event of any inconsistency, these Terms and Conditions shall prevail.

2.3 Any bespoke or additional services must be expressly agreed in writing and documented in a Service Proposal, Engagement Letter, Memorandum of Understanding, or Contract. Such documents shall operate in conjunction with, and be governed by, these Terms and Conditions.

3. No UK Immigration Advice, No Regulated Legal Services and Regulatory Status
3.1 Exclusion of UK Immigration Advice and Services
CITI VENTURE GROUP LTD (“CVG UK”) does not provide any form of UK immigration advice or UK immigration services.
3.2 No Assistance with UK Immigration Applications or Eligibility
CVG UK does not advise on, assist with, prepare, review, submit, interpret or handle any UK immigration application, nor does it offer guidance relating to eligibility, documentation, suitability, requirements, compliance or outcomes for any UK visa or immigration category.
3.3 No Representation or Holding Out on Website or Social Media
Nothing on the Website, in marketing materials, or on any official CVG UK social-media platform shall be construed as offering, advertising, suggesting or implying that CVG UK provides UK immigration advice or UK immigration services, whether regulated or unregulated.
3.4 No Handling of UK Immigration Enquiries
CVG UK does not handle enquiries relating to UK immigration matters, and no UK immigration advice will be provided by CVG UK or by any of its directors, officers, employees or representatives through the Website or otherwise.
3.5 No Regulated Legal Services or Reserved Legal Activities
For the avoidance of doubt, CVG UK does not:

provide UK immigration advice or UK immigration services;
provide legal advice regulated under the laws of England & Wales; or
carry out any reserved legal activities as defined under the Legal Services Act 2007.

3.6 Nature of Business and Non-Regulated Status
CVG UK operates solely as a non-regulated consultancy, administrative and advisory services provider. CVG UK is not a law firm, accounting or audit practice, immigration law practice, academic or educational institution, or financial institution.
3.7 No Requirement for UK Regulatory Authorisation
CVG UK does not provide any services that require authorisation, licensing, registration or accreditation from the Solicitors Regulation Authority (SRA), the UK Immigration Advice Authority (IAA), the Financial Conduct Authority (FCA), HM Revenue & Customs (HMRC), or any equivalent regulatory body in the United Kingdom or elsewhere.
3.8 Scope of Permitted Consultancy and Support Services
CVG UK’s services are limited to consultancy, research, coordination, administrative support, foreign-law advisory services (including Pakistani law), and international (non-UK) migration consultancy, as described on www.citiventuregroup.co.uk
3.9 Referral to Independent Regulated Professionals and Overseas Partners
Clients requiring UK immigration advice or regulated legal services may, where appropriate, be referred to independent professionals who are properly authorised, including SRA-regulated solicitors or IAA-regulated immigration advisers. Clients may also be referred to overseas partners, including:

Chisty Law Chambers LLP (Incorporation No. 0269333), registered in Pakistan;
Citi Venture Group – FZCO (Licence No. 24152), registered with the Dubai Integrated

Economic Zones Authority.
3.10 Independent Capacity of Third-Party Advisers and Partners
Any such professionals or entities act entirely in their own capacity, under their own regulatory frameworks, and pursuant to their own contractual arrangements with the Client.
3.11 No Supervision, Control or Liability for Third-Party Services
CVG UK does not supervise, manage, control, monitor or accept responsibility for any advice, service, representation, conduct or outcome provided by any external regulated adviser, overseas partner or third-party service provider.
3.12 Independent Provision of Specialist or Regulated Services by Third Parties
Any specialist legal, tax, accounting, immigration or regulated education-related services (including university admissions, visa processing or accredited training) are provided exclusively by independent third-party partners licensed in their respective jurisdictions, which may include but are not limited to:

Vertex-UK Ltd – UK Company No. 12085483
Chisty Law Chambers Limited – UK Company No. 10768907
The Education Group (Oxford) Ltd – UK Company No. 10770525
Chisty Law Chambers LLP (Pakistan) – Incorporation No. 0269333

3.13 Introducer-Only Role and Disclaimer of Responsibility
Where CVG UK makes introductions or referrals, it acts solely as a facilitator or introducer and does not verify, endorse, supervise or assume responsibility for the quality, accuracy, suitability, legality or outcomes of any services provided by such third-party partners.

4. Affiliates, Associated Entities & No Group or Cross-Liability Disclaimer

CVG UK may work in coordination or association with other legal entities in the United Arab Emirates, the United Kingdom, Pakistan, or other jurisdictions, including entities under common ownership, management, branding, name, logo, or operating from shared or coordinated premises. Each such entity is a separate and independent legal entity, solely responsible for its own operations, staff, officers, services, contracts, regulatory compliance, representations, advice, obligations, and liabilities.
Any shared use of addresses, VOIP numbers, WhatsApp numbers, or other contact details by associated or affiliated entities is for communication or administrative convenience only. It shall not be construed as indicating shared offices, service provision, representation, agency, or any legal or operational connection, nor as implying that such entities provide services whether regulated or unregulated in each other’s jurisdictions.
CVG UK does not assume, accept, or incur any liability for any act, omission, statement, assurance, advice, service, contract, negligence, or outcome of any partner, affiliate, associated entity, or any entity described as part of a “group” solely for branding or marketing purposes, or their respective personnel.
No such entity has any authority to bind or represent CVG UK. Likewise, no other entity assumes any liability for the acts or services of CVG UK.
Any similarity of name, branding, ownership, management, address, personnel, referrals, introductions, or operational cooperation shall not create any partnership, agency, joint venture, corporate group responsibility, joint and several liability, cross-liability, or shared legal or financial obligation. Clients contract solely with the specific legal entity expressly named in their agreement, engagement letter, proposal, or invoice, and no contractual relationship, right of claim, or transfer of liability arises against any other entity under any circumstances.

These organisations, associate partners are:

(a) United Kingdom
i. Chisty Law Chambers Limited – Company No. 10768907
ii. Vertex-UK Ltd – Company No. 12085483
iii. Shape & Space Ltd – Company No. 10769732
iv. Cloutech Innovations Ltd – Company No. 11222677
v. The Education Group (Oxford) Ltd – Company No. 10770525
Registered office: 1 Grace House, Bessborough Road, Harrow, England, HA1 3EX

(b) United Arab Emirates
i. Cloutech Innovations FZ-LLC – Licence No. 47009624
Office: T2-10-M, Amenity Centre – RAKEZ, Al Jazeera Al Hamra, RAK, UAE
ii. Citi Venture Group – FZCO – License No. 24152
Office: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates.

(c) Pakistan
i. Chisty Law Chambers LLP – SECP Incorporation No. 0269333
Office: 2nd Floor, Almas Tower, MM Alam Road, Gulberg II, Lahore, Pakistan

4.1 Clarification of Entity Names, VOIP Numbers & Client Assumptions
4.1.1 CITI VENTURE GROUP LTD – Company number 11039098 is a separate and independent legal entity from CITI VENTURE GROUP – FZCO – License No. 24152 (Dubai- UAE) and from all other overseas partners or affiliates.
4.1.2 CITI VENTURE GROUP – FZCO – License No. 24152 (Dubai- UAE) provides UK immigration–related administrative support solely outside the United Kingdom and does not provide UK immigration advice or services within the UK, whether directly or in association with any other entity. It is not authorised or regulated by the UK Immigration Advice Authority (IAA) or SRA (Solicitors Regulation Authority) to provide regulated UK immigration advice.
4.1.3 Any similarity in entity names shall not be interpreted as implying that CITI VENTURE GROUP LTD – Company No. 11039098 provides UK immigration advice or services.
The use of UK telephone numbers, VOIP numbers, WhatsApp numbers, UK address formats, or similar communication tools by overseas partners does not imply or evidence authorisation to provide regulated UK immigration advice.

5. Instructions, Contract Formation & Updates
5.1 A binding contract between the Client and CVG UK is formed when any of the following occur, whichever happens first:
5.1.1 CVG UK issues written confirmation accepting the Client’s instructions;
5.1.2 the Client signs an Engagement Letter, Service Agreement, MoU or Contract; or
5.1.3 the Client confirms acceptance of a Service Proposal and makes any required initial payment.
5.2 Each engagement is governed by:
5.2.1 these Terms and Conditions;
5.2.2 any Service Proposal, Engagement Letter or Contract issued to the Client; and
5.2.3 the relevant parts of CVG UK’s Disclaimer and Website & Social Media Terms, where applicable to the subject matter.
5.3 CVG UK may update these Terms from time to time. The version in force at the time of entering into a new engagement will apply to that engagement. For ongoing or long-term engagements, CVG UK may notify the Client of any material changes; where permitted by law, the Client’s continued use of CVG UK’s services following such notice shall constitute acceptance of the updated Terms.
5.4 In the event of any inconsistency:
5.4.1 these Terms and Conditions take priority over any marketing materials, website content or brochures; and
5.4.2 a signed Service Proposal, Engagement Letter or Contract will prevail over these Terms, but only to the extent of the conflict and only where expressly stated in writing.

6. Client Responsibilities
6.1 Information, Accuracy & Updates
The Client shall provide CVG UK with all information, documents, records, evidence, and payments required to perform the Services. All information must be complete, accurate, truthful, authentic, and up to date, and the Client must promptly notify CVG UK of any material change in circumstances, documents, personal details, or contact information.
6.2 Use and Disclosure of Information
The Client authorises CVG UK to use, process, and disclose Client information for the purpose of delivering the Services, including disclosure to third parties such as immigration authorities, educational institutions, endorsement bodies, free zone authorities, government departments, overseas partners, and other service providers where reasonably required.
6.3 Third-Party Documentation
The Client is solely responsible, at their own cost, for obtaining any licence, permit, certificate, qualification, letter, or other documentation required by CVG UK, any authority, partner, or third party.
6.4 Scope Changes & Additional Fees
Any change to the agreed scope of work or variation requiring additional work shall be subject to additional professional fees and third-party charges. CVG UK is under no obligation to undertake additional or amended work until such fees are agreed in writing.
6.5 Reliance on Client Information
CVG UK may rely on all information, documents, and declarations provided by or on behalf of the Client without independent verification and shall not be liable for any loss, delay, refusal, rejection, or consequence arising from inaccurate, incomplete, misleading, falsified, or forged information.
6.6 Client Warranties
The Client warrants, represents and undertakes that:
6.6.1 to the best of their knowledge, they have a clean criminal and personal record; and
6.6.2 all documents and information provided to CVG UK are accurate, authentic and complete.
6.7 Failure to Comply
If the Client fails to provide required information, documents, or payments within specified or notified timeframes, CVG UK may treat the Contract as null and void, all fees paid shall remain non-refundable, and CVG UK shall have no further obligation to act.
6.8 Conduct
Abusive, threatening, intimidating, harassing, or unreasonable behaviour toward CVG UK or its directors, staff, contractors, partners, or representatives may result in immediate suspension or termination of Services without refund and without prejudice to any legal rights.
6.9 Independent Advice
The Client is responsible for obtaining independent legal, tax, financial, or specialist advice where required. CVG UK does not provide UK legal advice or any regulated professional advice unless expressly agreed in writing.

7. Liability for Third-Party Handling of Documents
7.1 CVG UK is not liable for documents lost, damaged or misdirected by:

courier companies,
postal services,
consular offices,
immigration authorities, or
any other third-party organisation.

8. Fees, Invoices, Contract Formation & Payments
8.1 Contract Formation & Fee Validity
Any quoted fee is indicative only and does not constitute a contractual offer. A binding contract arises when the earliest of the following occurs:
(a) CVG UK issues written acceptance (including by email);
(b) the parties sign or countersign an agreement, engagement letter, or MoU; or
(c) the Client accepts a service proposal and makes the required initial payment.
Unless stated otherwise, quotations are valid for fourteen (14) days and may thereafter be amended or withdrawn at CVG UK’s discretion.

8.2 Commencement of Services
Services will commence only upon receipt of cleared funds for the required fee or agreed initial stage payment, or in accordance with an agreed staged payment structure. Payment of the initial fee constitutes confirmation that the agreement is final, binding, and irrevocable.

8.3 Fees, Currency & Taxes
Fees are set out in the relevant quotation, proposal, or contract and may be fixed, staged, time-based, or hybrid. Unless stated otherwise, fees are quoted in GBP and are exclusive of UK VAT and other applicable taxes, which will be added where required by law. Fees quoted in other currencies are subject to Clause 8.14.

8.4 Invoicing & Payment Terms
Invoices are payable within seven (7) days of issue unless agreed otherwise. Late payment may result in suspension or termination of services, and CVG UK may charge interest and reasonable recovery costs in accordance with applicable law.

8.5 Methods of Payment
Payments must be made in full, without set-off or deduction, by any method approved by CVG UK, including bank transfer, card, standing order, cash (where permitted), approved payment gateways, or where expressly authorised digital assets in compliance with applicable UAE regulations.

8.6 Standing Orders & Recurring Payments
Cancellation of a standing order or recurring payment arrangement other than following lawful termination may incur a reinstatement fee of GBP 250.00, together with any overdue sums.

8.7 No-Refund Policy
Unless expressly agreed in writing, all fees are strictly non-refundable in all circumstances, including withdrawal of instructions, refusal or delay by any authority, loss of eligibility, events beyond CVG UK’s control, or breach by the Client. Where permitted by law, CVG UK may remain entitled to the full contractual fee upon termination.

8.8 Client Withdrawal & Outstanding Charges
If the Client terminates instructions, CVG UK may invoice for all work performed, non-cancellable third-party costs, and reasonable administrative charges. CVG UK may retain Client documents until all outstanding sums are settled, to the extent permitted by law.

8.9 Disbursements & Third-Party Costs
The Client is responsible for all third-party costs and disbursements, including government fees, translations, professional partner fees, courier charges, and foreign authority costs. Such costs may fluctuate and will be charged at the actual amount incurred.

8.10 Variations & Ongoing Services
Material changes to scope or additional tasks may result in revised fees, notified in advance where practicable. For ongoing services, CVG UK may apply periodic fee increases with not less than seven (7) days’ written notice.

8.11 Suspension for Non-Payment
CVG UK may suspend or withhold services where payment is overdue, disputed, partially made, or reduced by bank or intermediary charges, without prejudice to its right to recover all sums due.

8.12 Acceptance & Binding Effect
Execution of any agreement or MoU renders these Terms binding. The Client may decline services before substantive work begins; however, any fees paid remain non-refundable in accordance with Clause 8.7.

8.13 Payment Accounts
Payments may be directed, where expressly stated, to accounts held by CVG UK, its directors, or associated entities, as identified in the relevant invoice or agreement, and shall constitute valid discharge of the Client’s payment obligation.

8.14 Currency, Exchange & Foreign Charges
Unless stated otherwise, all fees are payable in GBP. CVG UK may invoice in other currencies, with exchange rates determined by its bank on the invoice date. The Client bears all bank charges, conversion costs, exchange losses, foreign taxes, and withholding taxes and shall gross up payments where required by law. Payments received after the due date or in a different currency may be adjusted for exchange-rate variations. Proof of payment must be provided on request, and services may be paused until funds are verified. No-refund provisions apply to all payments, including cash or digital asset payments.

9. Changes to Scope, Suspension, Termination & Assignment
9.1 Variations to Scope
Any change or addition to the agreed scope of work may result in revised or additional fees. CVG UK is under no obligation to commence any varied or additional work until such fees are agreed in writing.

9.2 Commencement
These Terms and the Agreement commence on the date of execution by the Client, unless otherwise agreed in writing.

9.3 Suspension & Termination for Breach, Non-Payment or Misconduct
CVG UK may suspend or terminate the Agreement immediately by written notice if the Client:
(a) commits a material breach of the Agreement or these Terms and, where capable of remedy, fails to rectify such breach within fifteen (15) days of notice;
(b) fails to pay any fee or invoice within fifteen (15) days of the due date or execution of the Agreement; or
(c) engages in conduct that is abusive, aggressive, unreasonable, unlawful, or reasonably likely to harm CVG UK’s reputation, goodwill, or legitimate interests.
Suspension may occur without prior notice where payment is delayed, disputed, or overdue.

9.4 Termination for Convenience
Either party may terminate the Agreement for convenience by giving not less than thirty (30) days’ written notice, subject to all outstanding sums being paid in full.

9.5 Client Withdrawal
The Client may terminate instructions at any time by written notice; however:

all fees paid are strictly non-refundable;
the Client remains liable for the full contractual fee (to the extent permitted by law); and
all non-cancellable third-party costs remain payable.

9.6 Consequences of Termination
Upon suspension or termination for any reason:

all outstanding fees, expenses and disbursements become immediately due and payable;
CVG UK is entitled to fees for completed work and reasonable compensation for work in progress;
no refunds shall be issued; and
CVG UK shall not be liable for any loss or consequence arising from the Client’s decision to terminate, dispute, or discontinue the Agreement.

9.7 Dispute-Related Suspension
In the event of any dispute, CVG UK may suspend or terminate Services immediately, without prejudice to its rights to recover all sums due.

9.8 Retention of Documents
CVG UK may retain the Client’s documents, data and work product until all outstanding fees and costs are settled, after which records will be retained or securely destroyed in accordance with CVG UK’s data-retention policies and applicable law.

9.9 Assignment
The Client may not assign, transfer or subcontract any rights or obligations under the Agreement without CVG UK’s prior written consent. CVG UK may assign or subcontract its obligations, remaining responsible for its subcontractors’ acts and omissions.

9.10 Survival
Clauses relating to fees, payments, limitation of liability, indemnity, confidentiality, data protection, intellectual property and records retention shall survive termination or expiry of the Agreement.

10. Confidentiality, Data Protection, Client Conduct and Compliance
10.1 Confidential Information
Each party shall keep confidential all information disclosed by the other party that is reasonably understood to be confidential, including business, financial, technical, personal, commercial, operational and strategic information, whether provided orally, electronically or in writing (“Confidential Information”).

10.2 Permitted Disclosure
Confidential Information may be disclosed only to the extent necessary to perform the Services, comply with applicable law, regulation, court order, governmental or regulatory authority, Anti-Money laundering or counter-terrorist financing obligations, or to protect or enforce CVG UK’s legal rights, or where expressly authorised in writing.

10.3 Client Confidentiality Obligations
The Client shall use CVG UK’s Confidential Information solely for the purposes of the Agreement and shall not disclose it to any third party, including family members or business associates, without CVG UK’s prior written consent.

10.4 Return, Destruction and Survival
Upon request, the Client shall promptly return or securely destroy all Confidential Information belonging to CVG UK. Confidentiality obligations shall survive termination or expiry of the Agreement.

10.5 Anti-Money Laundering and Counter-Terrorist Financing Compliance
CVG UK complies with applicable UK Anti-Money laundering and counter-terrorist financing legislation, including the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (as amended), the Proceeds of Crime Act 2002 and the Terrorism Act 2000.

10.6 Due Diligence, Verification and Reporting
CVG UK may conduct customer due diligence (CDD), enhanced due diligence (EDD), identity verification, sanctions screening and fraud-prevention checks, and may report suspicious activity to the National Crime Agency or any other competent authority, without notice to the Client.

10.7 Limitation of Liability and Client Indemnity (AML)
Once CVG UK has fulfilled its statutory compliance obligations, it shall not be liable for any unlawful, fraudulent or prohibited activity undertaken by the Client or any third party. The Client remains solely responsible for their conduct and transactions and shall indemnify CVG UK against all losses, liabilities, costs and claims arising from the Client’s acts, omissions or misconduct.

10.8 Information Sharing
CVG UK may share Client information with regulatory or law-enforcement authorities, overseas partners, professional advisers (for administrative or coordination purposes only), service providers, educational institutions or other relevant bodies where reasonably required to provide the Services or comply with legal obligations. CVG UK shall not be responsible for the acts or omissions of such third parties.

10.9 Non-Interference and Delegation Restrictions
The Client shall not subcontract, assign, delegate, interfere with or disrupt the Services, CVG UK’s processes, systems, personnel, partners or representatives without CVG UK’s prior written consent.

10.10 Prohibited Conduct
Any abusive, threatening, intimidating, defamatory, harassing, hostile, unlawful or unreasonable conduct—whether in person, in writing or online—towards CVG UK or its directors, officers, employees or representatives shall constitute a material breach of the Agreement.

10.11 Cyber Misuse and Online Conduct
The Client shall not publish false, misleading or harmful content about CVG UK, engage in cyber misuse, attempt unauthorised access to systems, or undertake any activity that damages or may damage CVG UK’s reputation, systems or personnel.

10.12 Remedies and Enforcement
In the event of any breach of this Section, CVG UK may, without notice, suspend or terminate the Agreement or Services, retain fees paid, restrict access, report the matter to competent authorities, and pursue injunctive relief, damages or any other remedy available at law or in equity. The Client shall indemnify CVG UK for all resulting losses, costs and liabilities.

10.13 Accuracy of Client Information
CVG UK may rely on all information and documentation supplied by the Client without independent verification. The Client warrants that all information provided is accurate, complete, lawful and not misleading.

10.14 Consequences of Inaccurate or Misleading Information
CVG UK shall not be liable for any loss, delay, refusal, rejection or adverse outcome arising from inaccurate, incomplete, misleading, falsified or forged information supplied by or on behalf of the Client. Where such issues prevent proper service delivery, CVG UK may suspend or terminate the Services without refund.

11. Third-Party Professionals & Referrals
11.1 Where CVG UK introduces, refers, or connects the Client to any third-party professional or service provider (including immigration advisers, law firms, accountants, consultants, educational institutions, or overseas providers), any engagement or contract is entered into solely between the Client and that third party.

11.2 CVG UK does not supervise, manage, control, endorse, verify, or assume any responsibility or liability for the acts, omissions, advice, services, performance, fees, or outcomes of any third party. The Client remains solely responsible for conducting their own due diligence, including reviewing the third party’s regulatory status, qualifications, terms, fees, and scope of services.

11.3 CVG UK may receive or pay referral fees or commissions in connection with such introductions; however, this does not constitute an endorsement, guarantee, agency, partnership, or joint venture, nor does it affect the Client’s responsibility to assess the suitability of the third-party provider, which operates independently under its own legal and regulatory obligations.

12. Internet, Technical, Security & Online Marketing Services
12.1 Technical & Platform Services
Where CVG UK provides web-based, online, digital, technical, or platform-related services, it may update, modify, or maintain technical components from time to time to ensure functionality, compatibility, or security. Basic updates may be provided at CVG UK’s discretion. Any major upgrades, redesigns, integrations, enhancements, or development work may incur additional fees, which will be notified in advance where practicable.

12.2 Security & Cyber Risk
Unless expressly agreed otherwise in a separate written agreement, CVG UK accepts no responsibility or liability for any cyber incident, security breach, malware, hacking, unauthorised access, data compromise, or disruption affecting any website, system, platform, or digital asset. In all cases, CVG UK’s liability is strictly limited to the scope expressly agreed in writing.

12.3 Online Marketing & Advertising
Where online marketing, advertising, analytics, or promotional services form part of the agreed scope, the Client acknowledges that laws, regulations, platform policies, compliance rules, and third-party requirements may change at any time and may affect existing or previously approved materials. CVG UK shall not be liable for any restriction, removal, delay, loss, disruption, cost, or reputational impact arising from such changes.

12.4 External Platform & Regulatory Changes
While CVG UK may use reasonable efforts to update materials when notified of relevant changes, it does not guarantee ongoing approval, visibility, performance, or compliance of online content, nor does it assume liability for outcomes resulting from factors beyond its reasonable control.

13. Delivery, Performance & Completion
13.1 Standard of Performance & Timeframes
CVG UK shall provide the Services with reasonable skill, care, and professionalism. Any dates, milestones, timelines, or schedules provided are estimates only and are not binding unless expressly agreed in writing. Time shall not be of the essence unless explicitly stated, and delay shall not constitute a breach.

13.2 Delays & Events Beyond Control
CVG UK shall not be liable for any delay, suspension, or failure in performance arising from circumstances beyond its reasonable control, including changes in laws, regulations, criteria, fees or procedures, force-majeure events, or the acts or decisions of third-party authorities, institutions, or partners. Any termination arising from such delays shall not entitle the Client to a refund or compensation.

13.3 Client-Caused Delays
CVG UK is not responsible for delays caused by the Client, including failure to provide timely, accurate, or complete information, lack of cooperation, changes in circumstances, or Client negligence. Such delays do not entitle the Client to reject Services, claim refunds, or repudiate the Agreement.

13.4 Applications & Third-Party Decisions
Where Services involve applications to immigration authorities, educational institutions, endorsement bodies, free zone authorities, or other third parties, CVG UK may assist in preparation or submission but does not guarantee or predict any outcome. All decisions remain solely at the discretion of the relevant authority, and CVG UK shall not be liable for refusals, delays, withdrawals, or adverse outcomes, including changes to eligibility criteria, programme availability, processing times, fees, or requirements.

13.5 Conflicts & Communication
If a potential or actual conflict of interest arises, CVG UK may seek further instructions and determine, at its discretion, whether to continue acting. Communications will be sent to the most recent contact details provided, and CVG UK shall not be liable for consequences arising from outdated contact information or reliance on unrelated third-party information.

13.6 Completion of Services
Services are deemed completed when CVG UK has performed the agreed work, delivered or submitted the relevant deliverables, or notified the Client that the work product is ready for review or use.

13.7 Force Majeure
Where performance becomes impossible or materially impracticable due to a force-majeure event, CVG UK may suspend or vary the Services or treat the Agreement as discharged, without liability or refund obligation.

14. Warranties
14.1 Client Warranties
The Client warrants, represents, and undertakes that all documents and information provided are lawfully supplied, complete, accurate, genuine, and not misleading; that no materials are unlawful, fraudulent, defamatory, discriminatory, or harmful; and that such materials do not infringe the rights of any third party.

14.2 Reliance on Client Information
CVG UK may rely on all information, statements, and documents provided by the Client without independent verification. The Client accepts full responsibility for all consequences arising from inaccurate, incomplete, outdated, misleading, falsified, or forged information.

14.3 CVG UK Warranty & Exclusions
CVG UK warrants only that it will perform the Services with reasonable skill, care, and professionalism appropriate to a non-regulated consultancy provider. No other warranties, express or implied, are given, and CVG UK does not guarantee any outcome, including visas, immigration status, licences, permits, approvals, endorsements, admissions, enrolments, eligibility criteria, fees, processes, or the decisions or performance of any third party.

14.4 Remedies for Breach
If the Client breaches any warranty under this Section, CVG UK may suspend or terminate the Agreement immediately, refuse to continue work, retain all fees paid, and recover any loss, damage, cost, or expense suffered as a result.

15. Intellectual Property
15.1 Ownership
Unless expressly agreed otherwise in writing, all Intellectual Property Rights arising from or in connection with the Services—including documents, templates, reports, methodologies, processes, systems, software, digital content, know-how, and materials shall vest in and remain the exclusive property of CVG UK or its licensors. No ownership rights are transferred to the Client.

15.2 Limited Licence
Subject to full payment of all fees, CVG UK grants the Client a non-exclusive, non-transferable, non-assignable, revocable licence to use the deliverables solely for the Client’s internal use and only in relation to the specific matter for which they were created. The licence does not permit reuse, sharing, commercial exploitation, or use for any other purpose and may be withdrawn upon breach.

15.3 Prohibited Use
Without CVG UK’s prior written consent, the Client shall not copy, modify, distribute, disclose, resell, sublicense, reverse engineer, or create derivative works from any CVG UK materials, nor remove any proprietary notices. Any unauthorised use constitutes a material breach.

15.4 Third-Party IP
Any third-party intellectual property incorporated into the deliverables remains the property of the relevant owner and is subject to its licence terms. No additional rights are granted to the Client.

15.5 Termination of Licence
The licence terminates automatically upon expiry or termination of the Agreement, non-payment, or breach. Upon termination, the Client must immediately cease use and return or securely destroy all copies upon request. CVG UK reserves the right to seek injunctive relief or damages.

15.6 Reservation of Rights
All rights not expressly granted are reserved by CVG UK.

16. Force Majeure

16.1 Definition of Force Majeure Event

A “Force Majeure Event” means any event, circumstance or combination of events beyond the reasonable control of CVG UK which prevents, delays, disrupts, restricts, renders impracticable, or materially affects the performance of any part of the Services, whether temporarily or permanently.

Force Majeure Events include, without limitation:

(a) pandemics, epidemics and public-health emergencies, including COVID-19, SARS, MERS, influenza outbreaks, variants, mutations, resurgences, or similar events;
(b) governmental, regulatory, judicial or public-authority actions or inactions, including lockdowns, quarantines, social-distancing mandates, travel restrictions, border closures, emergency regulations, sanctions, institutional closures, or public-health directives in the United Kingdom or any other jurisdiction relevant to the Services;
(c) suspension, modification or withdrawal of laws, regulations, policies, visa routes, licensing regimes, corporate frameworks, filing systems, compliance requirements, governmental procedures, or regulatory guidance by any authority, registry, regulator, free zone, ministry, department, or governmental body;
(d) closure, reduced operation or disruption of government offices, registries, banks, free zones, embassies, consulates, corporate service providers, professional firms, partner institutions, developers, educational institutions, endorsement bodies, or other third-party facilities upon which the Services rely;
(e) failure, unavailability or interruption of utilities, telecommunications, internet services, hosting providers, accounting software, corporate platforms, government portals, cloud platforms, document-management systems, verification systems, or third-party service platforms;
(f) cyber incidents, data breaches, hacking, malware, ransomware, denial-of-service attacks or system-wide outages not caused by CVG UK’s wilful misconduct or gross negligence;
(g) strikes, industrial disputes, labour shortages, staff illness, travel disruptions, contractor or supplier unavailability, or the failure, delay or non-performance of third-party service providers or partners;
(h) natural disasters, extreme weather events, earthquakes, floods, fires or acts of God;
(i) war (whether declared or not), terrorism, civil unrest, riots, insurrection, political instability, sanctions, embargoes, or national or regional emergencies; and
(j) any other event, circumstance or cause which CVG UK could not reasonably foresee, prevent or overcome with the exercise of reasonable diligence.

16.2 Effect of Force Majeure

Where a Force Majeure Event occurs, CVG UK shall not be deemed to be in breach of these Terms or any Agreement, nor liable for any delay, suspension, interruption or failure in performance to the extent caused by such Force Majeure Event.

16.3 Alternative Service Arrangements

In the event of a Force Majeure Event, CVG UK may, at its sole discretion and without liability, take such steps as it reasonably considers appropriate, including (without limitation):

(a) modifying the method, timing, sequencing or mode of delivery of the Services;
(b) reallocating resources, personnel or third-party providers;
(c) postponing, rescheduling or reorganising administrative, consultancy, coordination, referral or brokerage activities; or
(d) suspending all or part of the Services for such period as CVG UK reasonably considers necessary.

Any such actions shall not constitute a breach of contract, misrepresentation, frustration, or failure of consideration.

16.4 No Right to Refund or Compensation

To the fullest extent permitted by applicable law, the occurrence of a Force Majeure Event — including COVID-19 or any future pandemic — shall not entitle the Client to:

any refund of fees;
any reduction, waiver or credit of fees; or
any claim for compensation, damages or loss,

where CVG UK has already commenced Services, allocated resources, incurred costs, performed administrative, consultancy or coordination work, facilitated introductions, coordinated third-party services, or made reasonable alternative arrangements.

16.5 Extended Force Majeure

If a Force Majeure Event continues for a prolonged period such that performance becomes impossible, unlawful, or commercially impracticable, CVG UK may terminate or vary the Agreement by written notice.

All fees paid shall remain non-refundable, and the Client shall remain liable for:

Services performed up to the effective date of termination; and
any non-cancellable third-party costs, commitments or liabilities incurred by CVG UK.

16.6 Third-Party Decisions During Force Majeure

CVG UK shall not be liable for any decision, delay, suspension, withdrawal, refusal, cancellation or modification imposed by any government, authority, registry, bank, free zone, embassy, consulate, regulator, endorsement body, professional firm, educational institution, developer, partner institution, service provider or technology platform arising from, connected with, or occurring during a Force Majeure Event.

COVID-19 Informative Note (Non-Contractual)

This note is provided for general information only and does not form part of the Agreement.

For the avoidance of doubt:

COVID-19, including all variants, mutations and related public-health measures; and
any future pandemic, epidemic or comparable public-health emergency

are expressly included within the definition of a Force Majeure Event under Clause 16.

17. Limitation of Liability

17.1 Non-Excludable Liability
Nothing in these Terms shall exclude or limit liability for fraud or fraudulent misrepresentation, wilful misconduct, death or personal injury caused by negligence (where unlawful to exclude), or any liability which cannot lawfully be limited or excluded under UK Law.

17.2 Financial Cap
Subject to clause 17.1, CVG UK’s total aggregate liability arising under or in connection with the Agreement, whether in contract, tort (including negligence), misrepresentation, breach of statutory duty or otherwise, shall not exceed the total fees actually paid by the Client for the specific engagement giving rise to the claim.

17.3 Excluded Losses
To the fullest extent permitted by UK Law, and subject to clause 17.1, CVG UK shall not be liable for any indirect, special, punitive or consequential loss, or for any loss of profit, revenue, business, opportunity, goodwill, anticipated savings or economic advantage, nor for losses arising from:

decisions, delays or actions of any authority, institution or third party;
changes in law, policy, criteria, procedures or fees;
force-majeure events, pandemics or natural disasters;
delays or termination initiated by the Client; or
inaccurate, incomplete, misleading, falsified or forged information supplied by the Client.

17.4 Performance & Delay
CVG UK shall perform the Services with reasonable professional skill and care. Any timelines or delivery dates are estimates only unless expressly agreed in writing. CVG UK shall not be liable for delays or non-performance caused by circumstances beyond its reasonable control or third-party requirements. Any termination arising from such delays shall not entitle the Client to any refund or compensation.

17.5 Force Majeure
CVG UK shall not be liable for any failure or delay in performance to the extent caused by a Force Majeure Event.

17.6 Reasonableness
The Client acknowledges that the exclusions and limitations in this Section are reasonable and proportionate having regard to the nature of CVG UK’s services, the fees charged, and reliance on third-party decision-makers.

17.7 No Personal Liability
To the fullest extent permitted by UK Law, no director, officer, employee, consultant, agent or representative of CVG UK shall incur any personal liability in connection with the Services or the Agreement.

18. Indemnity

18.1 Client Indemnity
The Client shall fully indemnify and hold harmless CVG UK, its directors, officers, employees, consultants and agents from and against all claims, losses, liabilities, damages, costs, expenses (including full legal fees), actions or proceedings arising out of or in connection with:

any breach of these Terms or the Agreement by the Client;
any act, omission, misconduct, negligence or default of the Client or persons acting on the Client’s behalf;
inaccurate, incomplete, misleading, falsified or forged information or documents supplied by the Client;
CVG UK’s reliance on the Client’s instructions, declarations or information;
any unlawful, improper or suspicious activity by the Client, including AML breaches;
infringement of intellectual-property rights, breach of confidentiality, or violation of applicable laws; or
any content, data or materials provided or published by the Client that are unlawful, defamatory, harmful or infringing.

18.2 Reliance on Client Information
CVG UK may rely entirely on information and documents provided by the Client without verification. The Client remains solely responsible for their accuracy and for all consequences arising from their use.

18.3 Scope & Survival
The indemnities in this Section apply to claims arising in contract, tort (including negligence), breach of statutory duty or otherwise, are cumulative, and shall survive termination or expiry of the Agreement.

19. Ongoing Services, Renewal, Assignment, Termination & Client Conduct

19.1 Ongoing Services & Renewal
Where CVG UK provides ongoing, retained or recurring services, the minimum contractual term shall be twelve (12) months from commencement unless otherwise agreed in writing. The Agreement shall automatically renew for successive twelve (12)-month periods unless the Client gives not less than one (1) month’s prior written notice of non-renewal. All fees for any renewal period become payable upon renewal.

19.2 Assignment & Subcontracting
The Client may not assign, transfer, subcontract or dispose of any rights or obligations under the Agreement without CVG UK’s prior written consent, and any unauthorised assignment shall be void. CVG UK may subcontract or delegate performance of the Services at its discretion and remains responsible for its subcontractors in respect of the contracted Services.

19.3 Termination
Either party may terminate the Agreement by written notice. Upon termination for any reason, all accrued fees, disbursements and expenses become immediately payable, all fees paid remain non-refundable, and CVG UK may retain Client documents, data or materials until all outstanding sums are settled, to the extent permitted by UK Law.

19.4 Immediate Suspension or Termination for Conduct
CVG UK may suspend or terminate the Agreement immediately and without notice where the Client engages in abusive, threatening, harassing, defamatory, aggressive or inappropriate conduct, or where the Client’s behaviour harms or is reasonably likely to harm CVG UK’s reputation, goodwill or legitimate interests, or constitutes misconduct under these Terms. All fees paid remain non-refundable and outstanding sums remain payable.

19.5 Client Restrictions & Conduct
The Client shall not interfere with or attempt to influence CVG UK’s performance of the Agreement, exert undue pressure on CVG UK or its personnel, or engage any third party to act in relation to the Services without CVG UK’s prior written consent. CVG UK retains sole discretion to determine whether conduct is inappropriate or harmful.

19.6 Appointments, Access & Identity Verification
All visits to CVG UK or any affiliated, associated or partner premises are strictly by prior confirmed appointment. For security, AML/CTF, regulatory and data-protection purposes, Clients and visitors must provide valid photographic identification and any requested verification before any meeting or document handover. CVG UK may refuse access or services where identification is not provided, appointments are not confirmed, security protocols are breached, or behaviour is inappropriate, and such refusal shall not constitute a breach or give rise to any claim, liability, refund or compensation.

19.7 Remedies for Breach
If the Client breaches the Agreement or causes loss or detriment to CVG UK, CVG UK may, without prejudice to any other rights, suspend or terminate the Agreement, retain all fees paid, recover losses and legal costs, seek injunctive or protective relief, and pursue any remedies available under UK Law. All remedies are cumulative.

20. Fee Payments, Third-Party Accounts & Compliance

20.1 Payment Routing via Overseas Partner Accounts
CVG UK may, at its discretion, permit the Client to remit fees payable to CVG UK into a designated bank account of an overseas partner, affiliate, or associated entity, or accept payments intended for such entities into a CVG UK account, strictly as an administrative convenience. Any such arrangement does not alter the contractual relationship, which remains exclusively between the Client and the relevant contracting entity, nor does it create any service obligation, contract, or legal relationship with any other entity unless expressly agreed in writing.

20.2 No Assumption of Liability or Relationship
The receipt, transfer, or facilitation of payments shall not constitute any assumption of responsibility, liability, oversight, endorsement, supervision, or control by CVG UK in respect of any overseas partner’s services, nor vice versa. No partnership, joint venture, agency, fiduciary relationship, mutual guarantee, or shared liability is created. Each entity remains a separate and independent legal entity, solely responsible for its own services, acts, omissions, and obligations.

20.3 AML, Sanctions & Compliance Checks
All payments made to or facilitated by CVG UK are subject to applicable UK AML, sanctions, and financial-crime compliance requirements. CVG UK may, at its sole discretion and in good faith, suspend, delay, decline, freeze, return, or report any payment where verification of identity, source or purpose of funds is unsatisfactory, documentation is not provided, or compliance concerns arise, including reporting to the UK Financial Intelligence Unit where required by law.

20.4 No Liability for Compliance Actions
CVG UK shall not be liable for any delay, refusal, suspension, return, or non-processing of funds resulting from compliance checks, verification procedures, regulatory requirements, or actions taken to comply with UK Law. No refund, compensation, or liability shall arise from such actions.

20.5 Administrative Facilitation Only
Any facilitation of payments between Clients and overseas partners is administrative only and does not impose any duty of care, monitoring, supervision, or verification obligation on CVG UK in respect of the services or performance of any other entity,

21. Complaints
21.1 Informal Resolution
CVG UK aims to provide services with professionalism and care. Any concerns or dissatisfaction should first be raised informally with the Client’s primary point of contact to allow prompt resolution.

21.2 Formal Complaints
If a matter is not resolved informally, the Client may submit a written complaint to CVG UK’s management by email to info@citiventuregroup.co.uk or by post to CVG UK’s office address. CVG UK will acknowledge receipt and endeavour to provide a substantive response within a reasonable period, normally within ninety (90) working days, depending on the nature and complexity of the complaint. This procedure is internal only and does not imply any regulatory oversight or regulated complaints framework.

22. Affiliates, Associated Entities & Global Liability Disclaimer
22.1 Independent Legal Status
CITI VENTURE GROUP LTD– Company No. 11039098 (“CVG UK”) may maintain commercial, administrative, branding or referral associations with independently registered entities in the United Arab Emirates, the United Kingdom, Pakistan or other jurisdictions. Such associations are commercial in nature only and do not create any partnership, joint venture, agency, parent–subsidiary relationship, group control, or shared liability. Each entity remains legally and financially independent.

22.2 Use of Contact Details & Enquiries
Where CVG UK contact details are displayed or used by associated or affiliated entities, this does not imply common identity, control, supervision, or shared responsibility. Enquiries received by CVG UK through such contact details may, at CVG UK’s discretion, be addressed by providing basic or administrative information, information relating solely to CVG UK’s services, or referral back to the relevant entity. CVG UK is not responsible for, and does not guarantee or negotiate, any services provided by other entities unless expressly agreed in writing with the Client.

22.3 No Liability & Withdrawal of Permission
CVG UK does not assume any liability for the services, advice, representations, acts or omissions of any associated or affiliated entity. CVG UK may withdraw permission for the use of its contact details at any time without liability.

23. Accuracy of Online Content & No Personal Liability
23.1 Informational Nature of Online Content
CVG UK takes reasonable care to ensure that information published on its website, social-media platforms, policies, terms and marketing materials (“Online Content”) is accurate at the time of publication. All Online Content is provided for general information purposes only and does not constitute legal, professional, financial, immigration, regulatory or compliance advice.

23.2 No Warranty or Reliance
CVG UK makes no warranty that Online Content is complete, current, error-free or free from omissions or technical inaccuracies. Laws, regulations and governmental or free-zone procedures may change without notice, and Online Content may not reflect the most recent position. Users must not rely on Online Content as a substitute for professional advice.

23.3 Limitation of Liability
To the fullest extent permitted by UK Law and applicable free-zone regulations, CVG UK shall not be liable for any loss, damage, cost or inconvenience arising from the use of, or reliance upon, Online Content. Any errors or inaccuracies shall be deemed inadvertent and non-intentional.

23.4 No Personal Liability
Any liability arising in connection with Online Content (if any) shall attach solely to CVG UK as a corporate entity. To the maximum extent permitted by law, no director, officer, shareholder, employee, consultant or agent of CVG UK shall bear any personal liability or owe any personal duty of care to users of Online Content.

23.5 Statutory Rights
Nothing in this Section excludes or limits any liability which cannot lawfully be excluded or limited under applicable UK Law.

24. Governing Law, Jurisdiction & Regulatory Compliance
24.1 Governing Law
These Terms, the Agreement, and any non-contractual obligations arising out of or in connection with them shall be governed by and construed in accordance with the laws of England and Wales, in which CVG UK is registered.

24.2 Jurisdiction
The courts of England and Wales shall have exclusive jurisdiction to resolve any dispute arising out of or in connection with these Terms or the Agreement. CVG UK reserves the right to bring proceedings in any other court of competent jurisdiction where necessary to protect or enforce its rights.

24.3 No Third-Party Rights
No third party shall have any right to enforce, rely upon, or benefit from any provision of these Terms, and no third-party rights shall arise under any applicable UK law or doctrine.

24.4 Severability
If any provision of these Terms is held to be invalid, unlawful, or unenforceable under applicable UK law, it shall be modified to the minimum extent necessary to render it enforceable or, if not possible, severed. The remaining provisions shall continue in full force and effect.

24.5 Anti-Money Laundering, Counter-Terrorist Financing and Sanctions Compliance.
CVG UK complies with all applicable United Kingdom Anti-Money laundering, counter-terrorist financing and sanctions legislation, including the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (as amended), the Proceeds of Crime Act 2002, the Terrorism Act 2000, and the UK Sanctions and Anti-Money Laundering Act 2018, together with all related regulations and guidance.
CVG UK may, at any time and without liability, request identification and verification information, conduct customer due diligence or enhanced due diligence, screen against sanctions and watchlists, suspend or refuse transactions, delay or return payments, and disclose information or report suspicious activity to the National Crime Agency or any other competent authority, as required or permitted by law.
CVG UK shall not be liable for any loss, delay or consequence arising from compliance with its statutory obligations under this clause.

25. Final Provision: Accessibility, Electronic Format and Execution

FP.1 Integrated Terms and Availability
These Terms and Conditions form an integral and binding part of this Agreement and are provided in full together with this document. An identical and up-to-date version is also made available on the CVG UK website for reference purposes.

FP.2 Electronic Format, Accessibility and Readability
Any Agreement, including all incorporated Terms and Conditions, is provided in PDF format for electronic signature. The Client is responsible for ensuring readability, including enlarging or adjusting the document as required before signing.

FP.3 Client Acknowledgement and Acceptance
By signing this Agreement or any related agreement, engagement letter or memorandum of understanding with CVG UK, whether electronically or otherwise, the Client confirms that they have received the complete document in a readable and accessible format, have had sufficient opportunity to review and understand its contents, and expressly accept and agree to be bound by all terms and conditions contained herein.