Effective Date: August 2025

These Terms and Conditions (“Terms”) govern your use of the Havenbach website and services, operated by Totsi Island Properties Group I.K.E. (“we,” “us,” or “Havenbach”). By accessing or using our website or engaging with our services, you agree to be bound by these Terms.

1. Website Operator

Havenbach.com is operated by the following legal entity:

Company Name: Totsi Island Properties Group I.K.E.
Legal Form: Private Company (IKE), registered in Greece
GEMI Registration Number: 179830458000
VAT Identification Number (ΑΦΜ): EL802627758
Registered Address: Επαρ.Οδ. Αποκορώνου – Χανίων 632, Kalives 730 03, Chania, Crete, Greece
Albania Representative Office: Hysen Kertusha str, 2000, Durres, Albania
This is a non-legal office used for local operations, sourcing, or support.

Managing Director: Klajdi Toci
Email: [email protected]
Phone (GR): +30 698 3200 953
Phone (AL): +355 68 60 80 345

2. Scope of Services

Havenbach provides global mobility services including:

• Citizenship and Residency by Investment advisory

• Work permit processing and job placement coordination

• International business structuring and relocation guidance

• General information about legal entry routes for foreign nationals

We are not a law firm, immigration authority, or government agency. While we provide support through trusted partners, final decisions on applications are made solely by the relevant government bodies.

3. Eligibility

You must be at least 18 years old and legally permitted to engage in international relocation or investment activity in your country of residence. You are responsible for ensuring that the services we offer are permitted in your jurisdiction.

4. Use of Website

All content on our website is provided for general informational purposes only. We make every effort to ensure accuracy but do not guarantee completeness or legal validity. You may not:

• Use the site for illegal or fraudulent purposes

• Reproduce, republish, or distribute content without permission

• Interfere with site functionality or security

5. Consultations and Service Engagements

Engaging Havenbach for a service or consultation may require:

• Submission of personal data and documents

• Payment of service or consultancy fees

• Completion of forms and agreements specific to the chosen program

We reserve the right to refuse service if we suspect fraud, misrepresentation, or if the applicant is ineligible for the chosen program.

6. No Legal, Immigration, or Tax Advice

Unless explicitly stated otherwise, Havenbach does not provide legal, tax, or immigration advice. All decisions are made at your own risk, and you are encouraged to consult with licensed professionals.

Our staff and representatives may offer guidance and document assistance, but this does not replace official legal counsel or guarantee outcome.

7. Fees and Refunds

Service fees vary depending on the program, country, and client profile. All fees will be outlined in your personalized agreement.

Refunds are only issued in accordance with our Refund & Cancellation Policy, which is available upon request. In most cases, fees are non-refundable once processing has begun.

8. Intellectual Property

All content on havenbach.com, including logos, text, visuals, and downloadable materials, is the intellectual property of Totsi Island Properties Group I.K.E. and may not be used without written consent.

9. Limitation of Liability

Havenbach is not responsible for:

• Government delays or rejections

• Changes in law or policy

• Third-party service failures (e.g. logistics, banking, legal advisors)

• Misuse or misrepresentation of our services by users

Our total liability, under any circumstance, is limited to the amount paid by the client to Havenbach for the relevant service.

10. Privacy and Data Protection

We handle personal data in accordance with our Privacy Policy. By using our services, you consent to the collection and processing of your data for the purpose of providing global mobility services.

We do not sell or share your data with third parties except where necessary for service delivery (e.g. legal filings, government applications).

11. Governing Law

These Terms are governed by the laws of Greece. Any disputes arising from your use of our website or services shall be resolved under the jurisdiction of the courts of Chania, Greece.

12. Changes to Terms

We may update these Terms at any time. The latest version will always be posted on our website. Your continued use of the site or services after changes are made constitutes your agreement to the new Terms.

13. Contact

For legal questions, please contact:
📩 Email: [email protected]
📞 Phone (GR): +30 698 3200 953
📞 Phone (AL): +355 68 60 80 345

By using Havenbach’s services or website, you acknowledge that you have read, understood, and agree to these Terms and Conditions.