Terms & Conditions
Last updated: 13 September 2026
1. About This Website
This website is operated by E.A.C. Insurance Agencies & Consultants Ltd ("E.A.C.", "we", "us"), an insurance intermediary registered in Cyprus. Our registered address is Apostolou Varnava 51A, 3065 Limassol, Cyprus.
2. Acceptance of Terms
By accessing and using this website, you agree to be bound by these Terms & Conditions. If you do not agree, please do not use this website.
3. Information Only — No Binding Offers
All information on this website, including product descriptions, service overviews, and indicative pricing, is provided for general informational purposes only. Nothing on this website constitutes:
- A binding offer or contract of insurance
- A recommendation to purchase any specific insurance product
- Professional, legal, or financial advice
All quotes provided through this website or via our contact form are non-binding and subject to underwriting by the relevant insurance company. Final terms, conditions, premiums, and coverage are determined solely by the insurer upon full assessment of your application.
4. Insurance Intermediary Role
E.A.C. Insurance Agencies & Consultants Ltd acts as a licensed insurance intermediary in the Republic of Cyprus and currently distributes insurance products provided by Trust Insurance (Cyprus) Ltd. E.A.C. does not underwrite insurance policies. Any insurance contract is entered into between the customer and the relevant insurer.
5. Accuracy of Information
While we make reasonable efforts to ensure the information on this website is accurate and up to date, we do not warrant its completeness or accuracy. Insurance products, terms, and premiums may change without notice. Always refer to the official policy documents provided by the insurer for definitive terms.
Information Resources Disclaimer
Articles, guides, legislative updates, regulatory summaries and other informational resources published on this website are provided solely for general informational purposes. They do not constitute legal advice, tax advice, professional insurance advice or a binding interpretation of any insurance policy or legislation. Although we make reasonable efforts to keep the information accurate and up to date, laws, regulations, policy wordings and market practices may change over time. Users should not rely exclusively on this content when making legal, financial or insurance decisions. If you require advice relating to your specific circumstances, please contact a qualified human insurance advisor.
6. Your Responsibilities
When requesting a quote or submitting information through this website, you agree to:
- Provide accurate and complete information
- Disclose all material facts relevant to any insurance application
- Review policy documents carefully before purchasing any insurance product
7. AI-Powered Digital Assistant
Our website features a digital assistant (chatbot) powered by artificial intelligence. The assistant provides exclusively general informational content and does not constitute insurance advice, a binding offer, coverage confirmation, or claim management instruction.
The chatbot's responses must not be used as a substitute for the terms of the insurance policy, the instructions of the insurance company, or the instructions provided by an authorized representative of our company.
In the event of an accident, damage, emergency, or any claim, the user must follow the procedures provided by their insurance policy, including contacting Roadside Assistance, Accident Care, Police, or any other competent body, where required.
E.A.C. Insurance Agencies & Consultants Ltd is not liable for any action or omission based solely on information provided by the chatbot.
For any personalized advice, coverage confirmation, claim notification, or guidance on an insurance incident, communication with a human insurance advisor is required.
Conversations may be recorded and analyzed for quality, training, security, and improvement of our services.
Users must not submit medical information, claim documentation, financial account details, identity documents, passport information or any special category personal data through the chatbot.
Artificial intelligence systems may occasionally generate incomplete, inaccurate or outdated information. Users should always verify important information with a human advisor.
No insurance cover, amendment, renewal, cancellation, claim notification or acceptance of risk shall be deemed effective unless confirmed in writing by an authorised representative of E.A.C. Insurance Agencies & Consultants Ltd.
Where the AI assistant cannot answer a question with sufficient certainty, the user will be referred to a human insurance advisor.
8. Third-Party Links
This website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of any external sites. Accessing third-party links is at your own risk.
9. Intellectual Property
All content on this website — including text, images, logos, and design — is the property of E.A.C. Insurance Agencies & Consultants Ltd or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or modify any content without our written permission.
10. Limitation of Liability
To the fullest extent permitted by law, E.A.C. shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this website or reliance on any information provided herein. This includes, but is not limited to, damages arising from inaccurate information, service interruptions, or third-party actions.
11. Complaints
If you have a complaint about our services, please contact us at [email protected]. We acknowledge your complaint within 3 business days and aim to provide a final response within 30 business days. If you are not satisfied with our response, you may refer your complaint to the Financial Ombudsman of the Republic of Cyprus (www.financialombudsman.gov.cy - where eligible) and/or the Insurance Companies Control Service (ICCS).
12. Data Protection and Privacy
Personal data submitted to or otherwise processed by E.A.C. Insurance Agencies & Consultants Ltd is handled in accordance with our Privacy Policy.
Please refer to our Privacy Policy for information about the personal data we collect, how and why we process it, who may receive it, how long it is retained and your rights under applicable data protection legislation.
13. Governing Law
These Terms & Conditions are governed by the laws of the Republic of Cyprus. Any disputes shall be subject to the exclusive jurisdiction of the courts of Cyprus.
14. Changes to These Terms
We may update these Terms & Conditions from time to time. The updated version will be posted on this page with a revised "Last updated" date. Continued use of the website constitutes acceptance of the updated terms.
15. Contact
For any questions regarding these Terms & Conditions:
Email: [email protected]
Phone: +357 96 660 113