Terms of Service

Last updated: 5 August 2026

1. About These Terms

These Terms of Service apply when A.P. Owning Cyprus Ltd, trading as Owning Cyprus, is requested or formally instructed to provide real-estate agency or related services.

They may apply to:

  • Property owners and sellers;
  • Landlords;
  • Purchasers;
  • Prospective purchasers;
  • Tenants and prospective tenants;
  • Developers;
  • Authorised representatives; and
  • Other persons receiving our services.

These Terms of Service operate together with any separately signed agency agreement, listing agreement, instruction form, viewing form, introduction agreement, reservation agreement or other written service agreement.

Use of the Website alone does not necessarily create a client relationship or an obligation to provide services.

2. Service Provider

The service provider is:

A.P. Owning Cyprus Ltd
Trading as: Owning Cyprus
Licensed Real Estate Agency
Company Registration Number: HE 494645
Real Estate Agency Registration Number: 1398
Real Estate Agency Licence Number: 439/E
Registered Office: 19, Xenofontos street 8020 Paphos
Telephone: +357 99593899
Email: info@owningcyprus.com

3. Separate Service Agreements

These Terms do not replace a specifically negotiated or signed service agreement.

Where a separate written agreement exists:

  1. Mandatory law applies first;
  2. The separate written agreement governs the specific services, fees and obligations covered by it; and
  3. These Terms apply to matters not addressed in that agreement.

A sale contract, tenancy agreement, assignment agreement or other property contract is entered into between the persons named in that contract.

Owning Cyprus is not a party to the property contract unless it is expressly identified as a party.

4. Scope of Services

Depending on the written instructions provided to us, our services may include:

  • Preparing and publishing property listings;
  • Advertising properties;
  • Arranging photography or marketing materials;
  • Responding to enquiries;
  • Identifying prospective purchasers or tenants;
  • Conducting property searches;
  • Introducing parties;
  • Arranging and attending viewings;
  • Communicating offers and counteroffers;
  • Assisting with negotiations;
  • Liaising with lawyers and other professionals;
  • Coordinating aspects of a proposed transaction; and
  • Providing other real-estate agency services agreed in writing.

The exact scope, duration, fees and conditions of the service will be stated in the applicable written agreement.

5. Standard of Service

We will provide our services with reasonable care and skill and in accordance with our applicable professional and legal obligations.

Cyprus real-estate agency legislation requires a licensed agent to provide an intended purchaser with information concerning the physical condition and legal characteristics of the property within the scope prescribed by law. It also recognises circumstances outside the agent’s will or control, provided the interested parties are informed in time.

Unless expressly agreed in writing, we do not:

  • Provide legal advice;
  • Provide tax advice;
  • Provide financial or investment advice;
  • Provide a formal property valuation;
  • Provide architectural or engineering advice;
  • Conduct a structural survey;
  • Guarantee planning or building compliance;
  • Guarantee that financing will be approved;
  • Guarantee a sale, purchase or rental;
  • Guarantee a particular price;
  • Guarantee that another party will complete a transaction; or
  • Act as a substitute for independent professional advisers.

6. Client Information and Cooperation

You must:

  • Provide accurate, complete and current information;
  • Answer reasonable questions relating to the service;
  • Provide requested supporting documents;
  • Inform us promptly of material changes;
  • Disclose any restriction affecting your authority;
  • Attend agreed appointments or give reasonable notice of cancellation;
  • Review documents before signing them;
  • Obtain independent advice where appropriate; and
  • Comply with applicable laws and contractual deadlines.

We may rely on information supplied by you unless we know or reasonably suspect that it is incorrect.

You may be responsible for loss caused by knowingly or negligently supplying false, incomplete or misleading information.

7. Property Owners, Sellers and Landlords

Where you instruct us to advertise, sell or rent a property, you confirm that:

  • You are the lawful owner or have proper authority to act;
  • You have disclosed all legal and beneficial owners;
  • You have disclosed any mortgage, charge, encumbrance or restriction relevant to the proposed transaction;
  • You have disclosed any existing tenancy, licence or occupation arrangement;
  • Information supplied about the property is accurate;
  • Photographs and documents supplied may lawfully be used;
  • You will inform us promptly of changes in price or availability;
  • You will not instruct us to publish false or misleading information; and
  • You will provide reasonable access for agreed viewings.

We may request:

  • Proof of identity;
  • Proof of address;
  • Title-deed or ownership information;
  • Company documents;
  • Authority or power-of-attorney documents;
  • Planning or building documents;
  • Tax or VAT information;
  • Details of beneficial ownership; and
  • Other information reasonably required to provide the service or comply with the law.

8. Purchasers and Tenants

Prospective purchasers and tenants are responsible for:

  • Inspecting the property;
  • Confirming that it meets their requirements;
  • Verifying important property information;
  • Obtaining legal advice;
  • Arranging surveys and technical inspections;
  • Confirming financing;
  • Confirming taxes, fees and transaction costs;
  • Reading all agreements before signing; and
  • Meeting applicable payment and contractual deadlines.

Information supplied by Owning Cyprus does not replace independent legal, planning, structural, tax or financial advice.

9. Property Marketing

Where a property owner authorises us to market a property, we may, subject to the applicable agreement:

  • Prepare and edit a property description;
  • Take or arrange photographs and videos;
  • Create plans or promotional materials;
  • Publish the property on our Website;
  • Publish the property on property portals;
  • Promote it through social media;
  • Display a signboard where permitted;
  • Share it with prospective clients;
  • Share relevant information with cooperating agents; and
  • Make reasonable editorial changes for presentation purposes.

The client must identify any confidential information before marketing begins.

We may refuse to publish or may remove material that is inaccurate, misleading, unlawful, discriminatory, infringing or inconsistent with our professional obligations.

10. Property Viewings

Viewings are subject to:

  • Property availability;
  • Owner or occupant consent;
  • Access arrangements;
  • Safety considerations;
  • Identity or contact verification; and
  • Express confirmation by Owning Cyprus.

Persons attending a viewing must:

  • Follow reasonable instructions;
  • Respect the property and its occupants;
  • Supervise accompanying children or dependants;
  • Avoid restricted areas;
  • Not remove or damage any item;
  • Not photograph personal documents, security systems or occupants without permission; and
  • Inform us promptly of any accident or damage.

We may refuse, cancel or end a viewing where there is abusive, dangerous, unlawful or inappropriate conduct.

11. Offers and Negotiations

We may communicate offers and counteroffers between relevant parties.

Unless expressly confirmed in a legally binding written agreement:

  • An offer remains subject to contract;
  • An oral acceptance may not create a binding property transaction;
  • A property owner may accept, reject or negotiate an offer;
  • A property owner may consider more than one offer;
  • The highest offer does not have to be accepted;
  • A party may withdraw from negotiations; and
  • The property may remain available.

We do not guarantee that an offer will be accepted or that an accepted proposal will result in a completed transaction.

Each party should obtain independent legal advice before making a binding commitment.

12. Fees and Commission

Our fees and commission will be stated in the applicable written agreement.

The agreement may specify:

  • The amount or calculation method;
  • Whether VAT is included or payable in addition;
  • The event that makes the fee payable;
  • The payment deadline;
  • Any minimum fee;
  • Reimbursable expenses;
  • Any exclusivity period;
  • Any continuing introduction period; and
  • The consequences of termination.

You must read and understand the fee provisions before accepting the service agreement.

Any commission, introduction or non-circumvention obligation must be determined by the applicable written agreement and relevant law.

13. Deposits and Payments

A reservation deposit or other transaction payment should be made only under clear written terms stating:

  • The recipient;
  • The amount;
  • The purpose of the payment;
  • Whether it is refundable;
  • The refund or forfeiture conditions;
  • The property concerned; and
  • The persons on whose behalf the money is held.

Before making a bank transfer, you should independently verify the payment instructions through a trusted contact method.

Owning Cyprus will not be responsible for money paid directly to an owner, developer, landlord, lawyer or other third party unless Owning Cyprus expressly accepted responsibility for that payment in writing.

We will not ask for your online-banking password, one-time banking code or full security credentials.

14. Taxes and Transaction Expenses

Unless expressly agreed otherwise, each party is responsible for obtaining independent advice regarding:

  • VAT;
  • Transfer fees;
  • Stamp duty;
  • Income or capital-gains taxation;
  • Legal fees;
  • Survey and valuation fees;
  • Financing costs;
  • Insurance;
  • Common expenses; and
  • Other transaction costs.

Any general information provided by us about taxes or transaction costs is not professional tax or legal advice and must be independently verified.

15. Identification and Legal Compliance

We may be required to verify:

  • Identity;
  • Residential address;
  • Ownership;
  • Beneficial ownership;
  • Authority to act;
  • Company structure;
  • Source of funds;
  • Source of wealth;
  • Politically exposed person status;
  • Sanctions exposure; and
  • The nature and purpose of a transaction.

You agree to provide accurate information and reasonable supporting documents.

We may:

  • Delay the commencement of services;
  • Refuse to act;
  • Suspend services;
  • Request updated information;
  • End a business relationship;
  • Retain required records; or
  • Make a report or disclosure to a competent authority where legally required or permitted.

Where the law prevents us from explaining the reason for an action or disclosure, we may be unable to provide further information.

16. Independent Professionals

We may introduce or provide contact information for:

  • Lawyers;
  • Architects;
  • Engineers;
  • Surveyors;
  • Valuers;
  • Accountants;
  • Tax advisers;
  • Mortgage advisers;
  • Banks;
  • Insurance providers;
  • Contractors; and
  • Other professionals.

Unless expressly stated otherwise:

  • The professional is independent from Owning Cyprus;
  • You decide whether to appoint that professional;
  • You contract directly with the professional;
  • You are responsible for reviewing the professional’s qualifications and terms; and
  • Owning Cyprus does not control or accept responsibility for the professional’s independent acts or omissions.

Where we receive a referral payment or other material benefit, it will be disclosed where legally required.

17. Conflicts of Interest

You must inform us of any known conflict of interest relevant to our services.

Where a conflict arises, we may:

  • Disclose it where legally permitted;
  • Obtain informed instructions;
  • Introduce safeguards;
  • Limit the scope of our services; or
  • Decline or stop acting.

Where Owning Cyprus or a relevant connected person has an interest in a property, any disclosure required by applicable law will be made.

We will not disclose another client’s confidential information merely because it may be useful to you.

18. Confidentiality

We will treat confidential information supplied in connection with our services as confidential, except where disclosure is:

  • Authorised by you;
  • Necessary to provide the agreed service;
  • Made to a relevant transaction party;
  • Made to an appointed professional adviser;
  • Required for identity or compliance checks;
  • Required or permitted by law;
  • Necessary to prevent fraud; or
  • Necessary to establish or defend legal rights.

You must also respect confidential information received through us.

19. Consumer Withdrawal Rights

Where a consumer enters into an estate-agency service contract online, by telephone or away from our business premises, a statutory withdrawal period may apply.

Where applicable:

  • The consumer may have 14 days to withdraw from the service contract;
  • The consumer must receive information about how to exercise that right;
  • The consumer may expressly request that services begin during the withdrawal period;
  • If the consumer withdraws after requesting early performance, a proportionate amount may be payable for services already supplied; and
  • The withdrawal right may end after the service has been fully performed where the consumer gave the necessary prior express consent and acknowledgement.

The 14-day framework and the conditions for beginning performance during that period are set out in the EU Consumer Rights Directive. (EUR-Lex)

These rights concern the agency service agreement. Different rules may apply to contracts creating or transferring rights in immovable property and to residential tenancy agreements.

Where withdrawal rights apply, we should provide a separate withdrawal notice and model withdrawal form when the service agreement is entered into.

20. Cancellation and Termination

A client may terminate services in accordance with the applicable written agreement and any mandatory legal rights.

We may suspend or terminate services where:

  • Required fees remain unpaid;
  • Required information is not provided;
  • Information appears false or misleading;
  • Identity or compliance checks cannot be completed;
  • Continuing would breach the law or our professional obligations;
  • There is abusive or threatening conduct;
  • A material contractual breach has occurred;
  • A conflict prevents us from continuing;
  • The property becomes unavailable;
  • We reasonably suspect fraud or unlawful activity; or
  • Another termination right exists under the written agreement.

Termination does not affect rights or obligations that arose before termination, including fees already earned or payable.

21. Limitation of Liability

Nothing in these Terms excludes or limits liability where exclusion or limitation would be unlawful.

Nothing is intended to exclude liability for:

  • Fraud or fraudulent misrepresentation;
  • Deliberate misconduct;
  • Death or personal injury caused by negligence;
  • Breach of mandatory statutory duties;
  • Breach of mandatory consumer rights; or
  • Any liability that cannot legally be excluded.

Subject to applicable law, we will not be responsible for loss arising solely from:

  • Inaccurate information supplied by a client or third party that we could not reasonably have identified as inaccurate;
  • A client’s failure to obtain independent advice;
  • A client’s failure to inspect or investigate a property;
  • Changes in market conditions;
  • Changes in price or availability;
  • A party’s refusal or failure to proceed;
  • Financing being refused or delayed;
  • Decisions or delays by public authorities;
  • Independent acts or omissions of third-party professionals;
  • Fraudulent payment instructions not issued by us; or
  • Events outside our reasonable control.

Any limitation or exclusion applies only to the extent that it is lawful, fair and reasonable.

22. Events Outside Our Control

We will not be responsible for delay or failure caused by circumstances outside our reasonable control, including:

  • Natural disasters;
  • Fire or flood;
  • War or civil disturbance;
  • Government restrictions;
  • Strikes;
  • Utility or telecommunications failure;
  • Cyberattacks;
  • Failure of third-party platforms;
  • Public-health emergencies; or
  • Delays or closures affecting government departments or authorities.

Where practical, we will take reasonable steps to reduce the effects of such an event.

23. Complaints

Complaints should initially be submitted to:

A.P. Owning Cyprus Ltd
Email: info@owningcyprus.com
Telephone: +357 99593899
Address: 19, Xenofontos street 8020 Paphos

A complaint should include:

  • Your name and contact information;
  • The relevant property;
  • A description of the issue;
  • Relevant dates;
  • Supporting documents; and
  • The outcome you are seeking.

We will acknowledge and review complaints within a reasonable period.

Nothing in this section removes any right to contact a competent regulator, authority or court. Cyprus also provides an official procedure for submitting consumer complaints to the Consumer Protection Service concerning possible legal violations affecting consumers’ collective interests. (Government of Cyprus)

24. Personal Data

Personal data are processed in accordance with our:

  • Privacy Policy; and
  • Cookie Policy.

Personal data may be used for providing services, arranging viewings, managing enquiries, communicating with transaction parties, maintaining records and satisfying legal or regulatory obligations.

25. Governing Law and Jurisdiction

These Terms and any non-contractual obligations connected with them are governed by the laws of the Republic of Cyprus.

Subject to mandatory consumer rights and jurisdictional protections, disputes concerning these Terms or our services will fall within the jurisdiction of the courts of the Republic of Cyprus.

Nothing in these Terms removes any mandatory right available under applicable consumer law.

26. Severability

If any provision is found to be unlawful, invalid or unenforceable, it will be removed or modified only to the minimum extent necessary.

The remaining provisions will continue to apply.

27. No Waiver

A delay or failure to enforce a right does not mean that the right has been waived.

A waiver applies only where it is clearly given and only to the circumstances for which it was given.

28. Entire Agreement

These Terms and the applicable written agency or service agreement form the agreement governing the relevant services.

Statements made during preliminary discussions do not become contractual promises unless they are included in the applicable written agreement.

29. Contact

Questions about these Terms of Service may be sent to:

A.P. Owning Cyprus Ltd
Trading as: Owning Cyprus
Email: info@owningcyprus.com
Telephone: +357 99593899
Address: 19, Xenofontos street 8020 Paphos