Terms and Conditions

Welcome to the website of AVRAAM Insurance Consultants (the "Site"). By accessing, browsing, or using our Site, you agree to comply with and be bound by these Terms and Conditions (the "Terms"). If you do not agree with these Terms, please refrain from using the Site.

1. Acceptance of Terms

By accessing and using this Site, you agree to be legally bound by these Terms and all applicable laws and regulations. If you do not agree to these Terms, you are prohibited from using or accessing the Site.

2. Use of the Site

(a) Eligibility: You must be at least 18 years old to use this Site.

(b) Permitted Use: You may use the Site only for lawful purposes and in accordance with these Terms.

(c) Prohibited Activities: You agree not to:

• Engage in any fraudulent, abusive, or illegal activities.
• Interfere with the operation of the Site or any server or network connected to the Site.
• Attempt to gain unauthorized access to any portion or feature of the Site.

3. Intellectual Property Rights

All content on this Site, including text, images, graphics, logos, and software, is the property of M.AVRAAM Insurance Consultants Ltd or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, or distribute any content without our prior written consent.

4. Privacy Policy

Your use of the Site is also governed by our Privacy Policy. By using the Site, you consent to the collection, use, and sharing of your information as described in the Privacy Policy.

Read the Privacy Policy

5. Disclaimer of Warranties

(a) The Site is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied.

(b) We do not guarantee that the Site will be error-free, secure, or available at all times.

(c) The content of the Site is provided for general information and does not constitute personalised insurance or financial advice. Cover terms are determined solely by the applicable insurance policy document.

6. Limitation of Liability

To the fullest extent permitted by law, M.AVRAAM Insurance Consultants Ltd shall not be liable for any indirect, incidental, special, or consequential damages arising from or related to your use of the Site.

7. Third-Party Links

The Site may contain links to third-party websites. These links are provided for your convenience only, and M.AVRAAM Insurance Consultants Ltd is not responsible for the content or practices of these third-party sites.

8. Modifications to the Terms

We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms.

9. Governing Law

These Terms are governed by and construed in accordance with the laws of the Republic of Cyprus, without regard to its conflict of law principles. The courts of Cyprus shall have exclusive jurisdiction over any dispute arising.

10. Data Collection and Use

(a) Contact Form: If you contact us via the contact form on the Site, we collect your full name, email address, phone number, and your query in order to address your request.

(b) Quote Request Form: If you request a quote, we collect your full name, email address, phone number, date of birth, the type of insurance you are interested in and your budget range.

(c) Data Security: We take reasonable measures to protect the data you provide but cannot guarantee absolute security.

11. Termination

We reserve the right to suspend or terminate your access to the Site at our discretion, without notice, for any violation of these Terms.

12. Contact Information

For any questions or concerns about these Terms, please contact us at:

By using this Site, you acknowledge that you have read, understood, and agree to these Terms and Conditions.

Last updated: July 2026