General Terms and Conditions

1. Who we are

Szilaghi Consulting is a brand of IGAMING S.R.L., a limited liability company registered in Romania (VAT number RO44850461, Trade Register no. J2021004222122), with its registered office at Cluj-Napoca, 89 Dorobantilor Way, X3/2, CJ, Romania (“we”, “us”). Contact: hello@szilaghi.com.

These General Terms and Conditions (“Terms”) apply to the use of szilaghi.com (the “Website”) and to the consulting services we provide to business clients (“Services”).

2. Scope and order of precedence

1. Every engagement is documented in a written services agreement or engagement letter (the “Engagement Agreement”) that defines the scope, fees, payment stages and deliverables. If the Engagement Agreement and these Terms conflict, the Engagement Agreement prevails.
2. Where agreed in writing, an engagement may be contracted by an affiliated provider named in the Engagement Agreement; these Terms then apply to that provider in the same way.
3. Your own terms of purchase apply only if we accept them expressly in writing.
4. Our Services are provided to businesses and professionals only, not to consumers.

3. Nature of our Services

1. We are a licensing, corporate-structuring and compliance consultancy. Legal advice and legal assistance reserved to lawyers under Law no. 51/1995 on the organization and practice of the legal profession are provided by our in-house lawyers, members of the Romanian Bar, in their professional capacity and under the professional rules of the Bar, including any legal assistance agreement those rules require. For other jurisdictions we instruct or coordinate licensed local counsel, who are responsible for their own advice.
2. Licensing decisions are made by regulators. We do not guarantee that a license, approval, bank account or payment-processing relationship will be granted, or the time a regulator or institution will take.
3. Our assessments rely on the law, regulator practice and the information you give us at the time. Laws, fees and regulator practice change; we update our advice when we are engaged to do so.

4. How an engagement is formed

1. Enquiries, calls, written first reads and quotations are free and do not create an engagement.
2. An engagement starts when the Engagement Agreement is signed by both parties and, where applicable, the first payment stage is received.
3. Before and during an engagement we carry out client due diligence. Where we act as an obliged entity under Law no. 129/2019 on the prevention of money laundering and terrorist financing (for example when providing company formation, registered office or director services), we must identify you and your beneficial owners, may request supporting documents, and may decline or end an engagement where the law requires.

5. Your obligations

1. Provide complete, accurate and timely information and documents, and tell us promptly of any change, including in ownership, management or the regulatory history of your group.
2. Disclose any fact that could affect a regulator’s fit-and-proper assessment. Undisclosed issues are the most common reason applications fail, and we are not responsible for the consequences of information withheld from us.
3. Make decisions and give approvals within the time reasonably needed to meet regulator deadlines.
4. Pay government, regulator, laboratory and other third-party fees when due, unless the Engagement Agreement says we advance them.

6. Fees, payment and refunds

1. Professional fees are fixed per defined scope and payable in the stages set out in the Engagement Agreement. Work outside the agreed scope is quoted separately before it starts.
2. Prices are exclusive of VAT, which is added where applicable.
3. Invoices are payable within 14 days of issue unless the Engagement Agreement states otherwise. Late payment accrues penalty interest at the legal rate under Government Ordinance no. 13/2011, and the remedies of Law no. 72/2013 on combating late payment apply. We may suspend work while an invoice is overdue.
4. Government, regulator and third-party fees are not refundable once paid, whatever the outcome of an application.
5. Professional fees are not refundable once the work for the relevant stage has started, including where you cancel, change direction or an application is refused.
6. Pre-approved expenses (translations, apostilles, notarial fees, courier, travel) are charged at cost.

7. Confidentiality

1. Each party keeps the other’s confidential information confidential and uses it only for the engagement, during the engagement and for five years after it ends.
2. This does not apply to information that is public, already known lawfully, or that must be disclosed to a regulator, authority or court. Disclosures to regulators that are necessary to perform the engagement are authorized by you.
3. On request we sign a separate non-disclosure agreement before receiving details.

8. Intellectual property

1. Our templates, methods, guides and know-how remain ours. Deliverables prepared specifically for you (policies, dossiers, memos) are licensed to you for use in your business once paid in full, under Law no. 8/1996 on copyright.
2. We may mention your company name as a client only with your written consent.

9. Personal data

We process personal data as described in our Privacy Policy and GDPR Policy. Where we process personal data on your behalf as a processor, the data-processing terms in the Engagement Agreement apply.

10. Liability

1. We perform the Services with the care expected of a professional consultancy.
2. Our total liability for all claims arising from an engagement is limited to the professional fees you paid us for that engagement in the 12 months before the event giving rise to the claim.
3. We are not liable for loss of profit, revenue, business or opportunity, for indirect loss, or for the decisions, delays or fees of regulators, banks, payment providers, laboratories or other third parties.
4. Nothing in these Terms limits liability for intentional harm or gross negligence (article 1355 of the Romanian Civil Code) or any other liability that cannot be limited by law.
5. Claims must be notified in writing within 12 months of the date you became aware of the facts giving rise to them.

11. Non-solicitation

During an engagement and for 12 months after it ends, you will not directly employ or engage any of our staff or contracted directors who worked on your matter without our written consent.

12. Suspension and termination

1. Either party may end an engagement in writing if the other materially breaches it and does not remedy the breach within 15 days of notice.
2. We may end an engagement immediately where continuing would breach the law, regulator requirements or our AML obligations, or where you provide false or incomplete information.
3. On termination, fees for work performed and stages started remain payable, and section 6 applies.

13. Force majeure

Neither party is liable for delay or failure caused by events beyond its reasonable control, including regulator closures or changes in law, within the meaning of article 1351 of the Romanian Civil Code.

14. Use of the Website

1. Website content is general information about licensing regimes. It is not legal, tax or investment advice and does not create a client relationship. Figures and rules change; each page shows its review date.
2. You may read, print and share Website pages for your own business purposes. Copying substantial content, automated scraping for republication, or framing the Website requires our written consent.
3. Links to third-party sites (regulators, legislation databases) are provided for convenience; we are not responsible for their content.
4. Do not attempt to disrupt the Website, bypass its security or submit unlawful, false or spam content through its forms.

15. Governing law and disputes

1. These Terms and any non-contractual matters relating to them are governed by Romanian law, unless the Engagement Agreement selects another law.
2. The parties will first try to resolve any dispute amicably within 30 days. Failing that, disputes are submitted to the competent courts at the registered office of IGAMING S.R.L., unless the Engagement Agreement provides for arbitration or another forum.

16. Changes

We may update these Terms. The version on this page applies from its effective date; changes do not affect Engagement Agreements already signed unless both parties agree.