Last updated: 15th January 2026
These Terms of Service ("Terms") govern your use of the website urbangalaxy.world and the construction insurance coverage guidance services provided by UrbanGalaxy Ltd ("we", "our", or "us"). By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.
By accessing and using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. These Terms constitute a legally binding agreement between you and UrbanGalaxy Ltd. If you are using our services on behalf of a company or organisation, you represent that you have the authority to bind that entity to these Terms.
UrbanGalaxy Ltd is a company registered in Cyprus with registration number HE357196. We provide construction insurance coverage guidance and consultancy services to help clients understand and navigate construction insurance requirements. Our registered address is Limassol Avenue 22, Paralimni 5281, Famagusta District, Cyprus.
UrbanGalaxy provides the following services:
Our services are advisory in nature and do not constitute the sale of insurance products. We provide guidance to help you understand your insurance needs and make informed decisions about coverage options.
When using our website and services, you agree to:
All content on our website, including text, graphics, logos, images, software, and other materials, is the property of UrbanGalaxy Ltd or our licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content without our prior written consent. You may view and print content from our website for your personal, non-commercial use only.
The information and guidance provided by UrbanGalaxy are for educational and advisory purposes only. While we strive to provide accurate and up-to-date information, our services do not constitute professional insurance advice, legal advice, or financial advice. You should consult with qualified professionals, including insurance brokers, legal advisors, and financial consultants, before making decisions based on our guidance. We recommend that you verify all information independently and consider your specific circumstances when making insurance-related decisions.
To the fullest extent permitted by law, UrbanGalaxy Ltd shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services, including but not limited to damages for loss of profits, data, or other intangible losses. This limitation applies regardless of the theory of liability, whether based on contract, tort, negligence, strict liability, or otherwise. Our total liability to you for any claims arising from these Terms or your use of our services shall not exceed the amount you have paid to us for our services in the twelve months preceding the claim.
You agree to indemnify, defend, and hold harmless UrbanGalaxy Ltd, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, costs, and expenses (including reasonable legal fees) arising from your use of our services, your violation of these Terms, or your violation of any rights of third parties.
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.
Our website may contain links to third-party websites or services that are not owned or controlled by UrbanGalaxy. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that UrbanGalaxy shall not be responsible or liable for any damage or loss caused by your use of any third-party content, goods, or services.
These Terms shall be governed by and construed in accordance with the laws of Cyprus, without regard to its conflict of law principles. Any disputes arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of Cyprus. If you are a consumer residing in the European Union, you may also have the right to bring proceedings in the courts of your country of residence.
We encourage you to contact us directly to resolve any disputes or concerns. If you have a complaint about our services, please contact us at legal@urbangalaxy.world or +357 23696420. We will make every effort to resolve disputes amicably through good faith negotiations. If a dispute cannot be resolved through direct communication, it may be subject to mediation or arbitration as provided by Cyprus law.
We may terminate or suspend your access to our website and services at any time, with or without notice, if we believe you have violated these Terms or for any other reason at our sole discretion. You may terminate your use of our services at any time by ceasing to use our website and services. Upon termination, your right to use our services will cease immediately, but the provisions of these Terms that by their nature should survive termination will remain in effect.
We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the updated Terms on our website and updating the "Last updated" date. Your continued use of our services after any changes constitute acceptance of the new Terms. We encourage you to review these Terms periodically to stay informed of any updates.
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect. The invalid provision will be replaced with a valid provision that most closely reflects the intent of the original provision.
These Terms, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and UrbanGalaxy regarding your use of our services and supersede all prior agreements and understandings.
If you have any questions about these Terms of Service, please contact us:
UrbanGalaxy Ltd
Email: legal@urbangalaxy.world
Phone: +357 23696420
Address: Limassol Avenue 22, Paralimni 5281, Famagusta District, Cyprus
Business Hours: Monday - Friday: 9:00 - 18:00