Terms & Conditions

MARMIK Consultancy Ltd (“we”, “us”, “our”) to the client (“you”, “your”).

These Terms constitute the entire agreement between MARMIK Consultancy Ltd and the client and supersede all prior discussions, correspondence, or agreements unless expressly agreed in writing.

Formation of Contract

Where a quotation or written confirmation of services is provided, a contract shall be formed upon your acceptance by email, written confirmation, or instruction to proceed.

Unless otherwise agreed, services are provided on a consultancy and advisory basis only.

Nature of Services

MARMIK Consultancy Ltd provides independent consultancy services, which may include (but are not limited to):

  • Insurance claims handling and policyholder representation
  • Property surveys and defect assessments
  • Structural surveys and coordination with structural engineers
  • Snagging inspections
  • Planning consultancy and application support

Our role is advisory in nature. Any reports, opinions, or recommendations provided are based on information available at the time and professional judgement.

Third Parties & Collaboration

Where appropriate, we may work alongside or coordinate with third-party professionals including surveyors, structural engineers, consultants, or specialist contractors.

Unless expressly agreed otherwise in writing:

  • Such parties are instructed either directly by the client or independently in their own professional capacity
  • MARMIK Consultancy Ltd is not responsible for the acts, omissions, or advice of third parties

Standard of Care

We will perform our services with reasonable care and professional diligence, in accordance with generally accepted industry standards.

We do not warrant or guarantee that third parties such as insurers, local authorities, or regulators will achieve specific outcomes, approvals, claim settlements, or decisions.

Client Responsibilities

You are responsible for:

  • Providing accurate, complete, and timely information
  • Ensuring lawful instructions
  • Obtaining necessary consents, permissions, or approvals unless expressly agreed otherwise
  • Reviewing reports and advice promptly

Failure to provide accurate information may affect the accuracy or reliability of our advice.

Fees & Payment

Fees will be confirmed in writing prior to instruction unless otherwise agreed.

Invoices are payable in accordance with the terms stated. Time for payment is of the essence.

We reserve the right to suspend services if payment is not received within agreed timeframes.

We may charge interest on overdue invoices at a rate of 8% above the Bank of England base rate, in accordance with statutory provisions.

Limitation of Liability

Nothing in these Terms limits liability for:

  • Death or personal injury caused by negligence
  • Fraud or fraudulent misrepresentation
  • Any liability that cannot be excluded by law

Subject to the above:

  • We shall not exceed our total liability beyond the fees paid for the specific service giving rise to the claim.
  • We shall not accept liability for indirect, consequential, or economic losses, including loss of profit or opportunity.
  • We provide advice for the specific purpose instructed and you must not rely upon it for any other purpose without written confirmation.

Reliance on Reports & Advice

Reports, assessments, and opinions are prepared solely for the client named and for the stated purpose.

We accept no responsibility to third parties unless expressly agreed in writing.

Data Protection

We handle personal data in accordance with our Privacy Policy and applicable data protection legislation, including UK GDPR.

Force Majeure

We shall not be liable for delay or failure to perform obligations when events beyond our reasonable control cause such delay or failure, including but not limited to natural events, regulatory delays, or third-party actions.

Termination

Either party may terminate the agreement by providing written notice, subject to paying for services provided up to the date of termination.

You may remain liable for any non-refundable costs or third-party fees already incurred.

If a court finds any provision of these Terms unenforceable, the remaining provisions shall remain in full force and effect.

Governing Law & Jurisdiction

English law governs these Terms, and both parties submit to the exclusive jurisdiction of the courts of England and Wales.

Contact

MARMIK Consultancy Ltd
Starhouse, 95 High Road, Benfleet, Essex
Email: info@marmikconsultancy.co.uk