Legal Disclaimer

Legal Disclaimer

Your relationship with us shall be governed by this Disclaimer, Terms & Conditions, and Privacy Policy statement posted on the website and mobile app (ACC CY). By accessing and/or using our website or our courses, you accept and agree with this Disclaimer, and all our terms and conditions as applicable to you.


a) Accuracy of Information: The information presented on our website and app, including but not limited to our blogs, news updates, tax calculators, financial advice, and tax tips, is provided for general informational purposes only. Despite our efforts to ensure accuracy, completeness, and timeliness, we cannot guarantee that such information is free from errors or omissions. Tax laws and financial regulations change frequently, and their application can vary widely based on individual circumstances.

Therefore, the information should not be relied upon as a substitute for professional consultation. Before making any decision or taking any action that may affect your finances or taxes, you should consult a qualified professional. ACC CY disclaims all responsibility for any loss or damage which may arise from reliance on information contained on our website or app.

b) No Professional Advice: All content provided through the website and app is intended for informational purposes only and does not constitute professional financial, tax, or legal advice. It should not be used as a substitute for consultation with professional accounting, tax, legal, or other competent advisers.
Before making any decision or taking any action based on the information provided by our platforms, you should consult a qualified professional who can advise you based on your specific situation and jurisdiction. ACC CY is not responsible for any decisions taken without proper professional consultation, nor for any outcomes resulting from the use of our content, tools, or services in lieu of professional advice.

c) Use of Tax Calculators and Tools:The tax calculators and tools available on the website and app are designed to assist users in estimating tax liabilities, deductions, and various financial planning aspects based on the inputted information. These tools are provided as a convenience to help users make informed decisions; however, they are not intended to replace professional advice or to serve as the sole basis for financial or tax-related decisions.

The accuracy of the outputs depends on the accuracy of the inputs provided by the user. As tax laws and financial regulations are complex and subject to change, the results from these calculators should be considered as approximations and used for preliminary guidance only.

ACC CY recommends consulting with a professional tax advisor or financial planner to obtain precise advice tailored to your specific situation before making any financial commitments or filing tax returns based on these tools.

d) Financial Information:The financial information, including data, analysis, forecasts, and projections, provided on the website and app, is intended for informational purposes only. It should not be interpreted as comprehensive financial advice or as a commitment from ACC CY to guarantee any particular financial outcome. Financial markets are volatile and can move quickly, making any financial information provided on our platforms potentially subject to rapid change.

Users are cautioned to use this information as a preliminary guide rather than a definitive source for making financial decisions. ACC CY strongly advises clients and users to seek personalized advice from qualified financial professionals before making any investment or financial decisions, as we do not accept liability for any loss or damage which may arise directly or indirectly from the reliance on or use of such information.

e) External Links:The website and app may contain links to external websites not operated or controlled by ACC CY. These links are provided for convenience and informational purposes only, and they do not signify an endorsement by ACC CY of the content, products, or services available from such external sites.

ACC CY has no control over, and assumes no responsibility for, the accuracy, privacy policies, or practices of any third-party websites or services. Users are encouraged to exercise caution and review the privacy policies and terms of service of any external sites they visit. The inclusion of any external link does not  imply a recommendation or endorse the views expressed within them. ACC CY disclaims any liability for any loss or damage that may arise from your use of any external sites.

f) General:The information, services, and tools provided by A & C Christofi Ltd (“ACC CY”) on our website and app are on an “as is” and “as available” basis without any representations, warranties, or conditions of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. While ACC CY endeavors to provide accurate and up-to-date information, we make no guarantees regarding the reliability, accuracy, or completeness of any content or services provided through our platforms.

Users assume full responsibility and risk for their use of our website and app. ACC CY expressly disclaims liability for any errors or omissions in the content or for any loss or damage of any kind incurred as a result of the use of any content posted, transmitted, or otherwise made available via the platforms. This general disclaimer extends to all aspects of our services, including but not limited to financial information, tax calculators, and external links.

g) Limitation of Liability: A & C Christofi Ltd (“ACC CY”) and its affiliates, directors, officers, employees, agents, suppliers, or licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to, loss of profits, data, use, goodwill, or other intangible losses, resulting from
(i) your access to or use of or inability to access or use the website or app;
(ii) any conduct or content of any third party on the website or app;
(iii) any content obtained from the website or app; and
(iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not ACC CY has been informed of the possibility of such damage. This limitation of liability applies to the fullest extent permitted by law in the applicable jurisdiction

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