Privacy Policy, Cookie Policy, and Terms & Conditions for

www.yakofagius.com

1. Privacy Policy

Who We Are
This website (www.yakofagius.com) is operated by Yakof Agius & Associates, a consultancy specialising in residence and citizenship by investment services. We are committed to protecting your privacy and ensuring the secure and transparent processing of your personal data.

What Data We Collect
We may collect and process the following categories of personal data:
– Identification details (e.g. name, nationality, date of birth)
– Contact information (e.g. email, phone number, address)
– Official documentation (e.g. passport, ID, proof of residence)
– Financial and transactional data (e.g. payment information)
– Behavioural and technical data (e.g. cookies, IP addresses, usage patterns)
– Sensitive data (e.g. political exposure, criminal records, if required by law)

How We Collect Your Data
– Through forms on our website (e.g. contact, consultation, document submission)
– Through cookies and tracking technologies
– Through interactions with our service providers

Legal Basis for Processing
We process your data based on:
– Your consent
– Performance of a contract
– Legal obligations (e.g. anti-money laundering laws)
– Legitimate interest (e.g. client onboarding, service improvement)

How We Use Your Data
– To respond to enquiries and provide services
– To assess eligibility and advise on appropriate services
– To maintain compliance with regulatory obligations
– To personalise your experience and improve our site
– To protect against fraud and misuse

Profiling and Automated Decision-Making
We use profiling to assess suitability for our services and to tailor recommendations. These do not constitute fully automated decisions with legal or similarly significant effects. You may object to profiling at any time.

Data Sharing
We may share your data with:
– Cloud platforms and CRM providers (e.g. for document handling and communication)
– Analytics and marketing tools (e.g. aggregated usage patterns)
– Professional advisers, legal authorities, or service delivery partners

All third-party providers are contractually bound to process data in compliance with GDPR.

Data Retention
We retain personal data only as long as necessary for the purpose it was collected, or as required by law (e.g. for regulatory audits).

Your Rights (under UK/EU GDPR)
– Right to access
– Right to rectification
– Right to erasure (“right to be forgotten”)
– Right to restrict processing
– Right to data portability
– Right to object to processing and profiling

To exercise your rights, contact: [email protected]

Security
– Data is stored on secure, cloud-based platforms
– Encryption and access controls are in place
– Access is restricted to authorised personnel only

2. Cookie Policy

What Are Cookies?
Cookies are small text files stored on your device to enhance your experience and help us understand how users interact with our website.

Types of Cookies We Use
– Necessary Cookies – enable core site functions (e.g. security, navigation)
– Functionality Cookies – remember your preferences and choices
– Analytics Cookies – allow us to analyse site usage and performance
– Marketing Cookies – used to deliver relevant ads and measure effectiveness

Consent
You will be prompted with a cookie banner on first visit. By clicking “Accept All”, you consent to the use of all cookies. You may customise or withdraw consent at any time.

Managing Cookies
You can manage cookies through your browser settings. Disabling some cookies may impact website functionality.

3. Terms & Conditions

Use of Website
By accessing www.yakofagius.com, you agree to use the site in accordance with these Terms. If you do not agree, please do not use the site.

Intellectual Property
All content on the website (text, branding, images, logo) is owned by or licensed to Yakof Agius & Associates and protected by copyright and intellectual property laws. You may not copy, distribute, or use any content without written permission.

No Professional Advice
The content provided on this site is for general informational purposes only. It does not constitute legal, immigration, or financial advice. You should consult a qualified advisor before taking any action.

Limitation of Liability
We accept no liability for any indirect, consequential, or incidental damages arising from your use of the site. We do not warrant that the site will be uninterrupted, error-free, or secure.

Third-Party Links
This site may include links to third-party websites or services. We are not responsible for their content or privacy practices.

Governing Law
These terms are governed by and construed in accordance with the laws of Malta.

Last Updated: March 2025