Terms & Conditions

Margos & Partners — Terms and Conditions of Use

Last updated: 14 August 2026 · Beta release

These terms govern your use of this website, the AI assistant on it, the client area, the partner law firm portal and any document, estimate or report produced through them (together, "the Service"). By using the Service you accept these terms. If you do not accept them, do not use the Service.

The Service is operated by GEXCAP Inc., a company incorporated in the United States of America ("GEXCAP"). "Margos & Partners" is the brand under which GEXCAP operates the Service. "We", "us" and "our" mean GEXCAP; "you" means the person or organisation using the Service.

GEXCAP is not a law firm. It is not a firm of advocates, it is not registered with the Chamber of Advocates of Malta or with any Maltese professional body, and it does not practise Maltese law or the law of any other country. Nobody at GEXCAP is acting as your lawyer.

GEXCAP is a marketing and technology company. What it provides is advertising, a conversational intake tool, and an introduction. It sells attention and connection, not legal work. Everything on this site that describes a legal, tax, corporate or advisory service is promotional material about services performed by others, published by GEXCAP on their behalf and on its own initiative.

GEXCAP maintains a technical service office in Malta. Its function is the maintenance and technical support of this website and the software behind it. It is not a client-facing office, it does not receive clients, and no legal, tax, corporate or advisory work is carried out there or from there. It is not a Maltese law firm, not a branch of one, and not registered to provide any service that Maltese law reserves to advocates or to licensed professionals. Correspondence about a legal matter should go to the Collaborating Firm handling it, not to that office.

Legal, tax and corporate services described on this site are performed by independent Maltese law firms and licensed professionals with whom GEXCAP has entered into service collaboration agreements ("the Collaborating Firms"). GEXCAP presents those services, takes your initial enquiry and passes it to a Collaborating Firm. What happens after that is between you and that firm.

Beta release — read this first

The Service is a pre-release version. It is published for evaluation while it is still being built, and it is described as a beta for a reason.

B.1 The Service may be incomplete, may contain errors, and may behave in ways it is not meant to. Text it produces may be wrong, out of date, or internally inconsistent. Figures it shows may not match the current fee schedule. Features may work on one day and not the next.

B.2 We may change, suspend, restrict or withdraw any part of the Service at any time, without notice and without giving reasons, including switching features off permanently.

B.3 Your data may not survive the beta. Conversations, generated documents, uploaded files and accounts may be reset, migrated or deleted as the Service is developed. Keep your own copy of anything you need. We give no undertaking to preserve, export or restore anything created during the beta.

B.4 There are no service levels during the beta. No uptime, no response time, no support commitment, and no maintenance window is promised or owed.

B.5 Do not rely on the beta for any decision. Nothing produced by it should be acted on, submitted to any authority, sent to any counterparty, or used to meet any deadline, without independent professional confirmation. This applies with more force than section 2, not less.

B.6 Access during the beta is provided free of charge unless a charge is stated to you at the point of use and you accept it.

B.7 Feedback. If you send us comments, bug reports or suggestions, you grant us a perpetual, worldwide, royalty-free right to use them in the Service without obligation, attribution or payment. Do not send us anything you consider confidential or proprietary as feedback.

B.8 The beta status does not soften section 1.3. No professional relationship arises from a beta any more than from a finished product, and the exclusions in sections 9 and 10 apply to the beta in full.

B.9 We will say so on this page when the Service leaves beta. Until then, treat everything here as provisional.

1. What the Service is, and what it is not

1.1 The assistant on this site conducts an initial conversation, records what you tell us, and may produce a written summary, an indicative estimate or a draft document.

1.2 Nothing produced by the assistant is legal, tax, accounting or financial advice. It is general information and a record of your enquiry. It does not take account of facts you have not given us, and it has not been reviewed by a professional unless we tell you in writing that it has.

1.3 No professional relationship is created by using the assistant, and none can be created with GEXCAP. A lawyer–client or adviser–client relationship arises only between you and a Collaborating Firm, and only when that firm has (a) completed its own client acceptance and conflict checks, (b) issued you a written engagement letter in its own name, and (c) you have accepted it. Until all three have happened, nobody is acting for you, and you must not rely on anything from the Service as though somebody were.

1.3a Who does what. GEXCAP operates the platform, presents the services, records your enquiry and introduces you. The Collaborating Firm gives the advice, carries the professional duties, holds the professional indemnity insurance and answers to its regulator. GEXCAP does none of those things and cannot.

1.3b GEXCAP does not select a Collaborating Firm as your adviser and does not warrant its suitability for your matter. You are free to instruct any lawyer you choose, in Malta or elsewhere, and are under no obligation to instruct anybody introduced through the Service.

1.3d What GEXCAP does. Advertises and describes the services of Collaborating Firms; operates this website and the assistant on it; records what you tell it; prepares a summary of your enquiry; and introduces you to a Collaborating Firm.

1.3e What GEXCAP does not do, and cannot. It does not give legal, tax or accounting advice. It does not represent you before any court, registry or authority. It does not take instructions. It does not run conflict-of-interest checks. It does not hold client money or operate a client account. It does not open or keep a legal file. It does not monitor limitation periods, filing dates or any other deadline on your behalf. Communications with GEXCAP do not attract legal professional privilege.

1.3f Descriptions of services on this site are advertising. They are not an offer capable of acceptance, and no contract for legal services comes into existence by your reading them, by your using the assistant, or by GEXCAP passing your enquiry on.

1.3c Independence. Each Collaborating Firm is an independent practice engaged under a service collaboration agreement. It is not a partner, agent, employee or branch of GEXCAP, and GEXCAP is not a partner, agent or branch of it. The collaboration agreement governs the relationship between GEXCAP and that firm only; it gives you no rights against GEXCAP in respect of the firm's work, and no rights against the firm in respect of the platform. Neither can bind the other. Advice given to you by a Collaborating Firm is that firm's advice and that firm's responsibility.

1.4 Do not send us information that is time-critical, subject to a limitation period or a filing deadline, through the assistant alone. Use of the Service does not stop time running, does not preserve any right, and does not constitute notice to us or to anybody else.

1.5 Do not send confidential or privileged material through the assistant before we are engaged. Information sent before an engagement letter exists may not attract legal professional privilege and may not create any duty of confidence beyond the data-protection obligations set out in section 7.

2. Artificial intelligence, and its limits

2.1 Parts of the Service use automated language models to draft text. Depending on how your deployment is configured, these may run locally or may be operated by third-party providers.

2.2 Automated systems can be confidently wrong. They can state something incorrect, omit something decisive, misread a question, or produce text that reads authoritatively and is not. We design the Service to reduce this — answers may be grounded in our own materials and cited — but we do not warrant that any automated output is accurate, complete, current or fit for any purpose.

2.3 Where the Service cites a source, the citation identifies the material an answer drew on. It is not confirmation that the material is in force, applies to you, or has been checked for your circumstances.

2.4 You must not use the Service to make any decision of consequence without professional confirmation. That includes incorporating an entity, signing or declining to sign anything, making or refusing a filing, making a payment, or taking or refraining from any step in a dispute.

2.5 You must not submit material to the Service that you are not entitled to disclose, that belongs to somebody else, or that is subject to an obligation of confidence you owe to a third party.

3. Estimates, timeframes and figures

3.1 Any cost, fee, duration or timeframe shown by the Service is indicative. It comes from one of two places: our published fee schedule, shown on the service pages and quoted by the assistant, or a figure generated from the limited facts available at that moment.

3.1a Published figures are starting points. Where a fee is shown as "from" an amount, that amount is the lowest at which we would normally take that work on; the fee for your matter depends on its scope, complexity and urgency, and may be higher. Figures shown per hour are rates, not the cost of a matter.

3.1b We may change the published fee schedule at any time. The figures that apply to you are those in the engagement letter issued to you by a Collaborating Firm, not those shown on the site on the day you read it.

3.1c Whose fees these are. Published professional fees are indicative of what Collaborating Firms charge for that type of work. GEXCAP does not set them, does not perform the work they pay for, and cannot commit any firm to them. Only the firm that issues your engagement letter can quote you a binding fee.

3.2 Indicative figures are not an offer, a quotation or a fee agreement, and do not bind us. Fees are agreed only in an engagement letter or a written fee proposal signed by us.

3.3 Figures shown exclude third-party and governmental charges — registry fees, notarial fees, translation, courier, and taxes and duties — unless expressly stated otherwise. Such charges are set by others and can change without notice to us.

3.4 Timeframes depend on registries, authorities, counterparties and the completeness of what you provide. We do not warrant any date.

3.5 Where a timeframe is attributed to a public authority — for example the Malta Business Registry, Identità, the Industrial Property Registrations Directorate or Transport Malta — it is that authority's own published or indicated processing period. It is theirs, not ours. We do not control it, it can change without notice, and it does not begin until that authority treats an application as complete.

3.6 Official and statutory fees quoted by the Service — registration fees, permit fees, government contributions and similar — are those charged by the authority concerned, are payable to it and not to us, and are shown separately from our own fees. They are stated as we understand them at the time and may change without notice to us.

4. Documents produced by the Service

4.1 Documents generated by the Service — including PDF and DOCX output, summaries, receipts and reports — are drafts and records of an enquiry, not executed instruments, not certified copies, and not advice.

4.2 A generated document is not signed, witnessed, notarised, apostilled, filed or registered by the act of generating it. Any such step is a separate service under a separate engagement.

4.3 You are responsible for reading a generated document before using it and for satisfying yourself that it reflects the facts. We are not responsible for a document you use without professional review.

5. The partner law firm portal

This section applies where you access the Service as a law firm or other professional partner.

5.1 Access is granted at our discretion. Registering does not create access: an application is reviewed and may be approved or refused, and we are not obliged to give reasons.

5.2 You are responsible for everything done under credentials issued to your firm. Keep them confidential, do not share accounts between people, and tell us immediately if you believe an account has been compromised.

5.3 You warrant that you are authorised to submit each request and each document on behalf of the client it concerns, and that you have that client's instructions and any consent required to disclose their information to us.

5.4 The messages, documents and case history in the portal are confidential between your firm and this office. Do not give portal access to your own clients or to anybody outside your firm.

5.5 We may suspend or withdraw access, or close a partner account, where we consider it necessary — including for non-payment, suspected misuse, a conflict of interest, or a regulatory requirement. Suspension does not delete the record of work already done.

5.6 Documents you upload are stored as described in section 7. We accept the file types and size limits stated in the portal; anything outside them is refused at the point of upload rather than silently discarded. We are not a document archive, and you must keep your own copies.

6. Payment

6.1 Where we invoice you through the Service, the invoice states the amount, any VAT, the due date and the reference to quote.

6.2 Payment may be offered on the page by card, by digital wallet, or through a payment provider, and may also be made by bank transfer. Payment providers are independent third parties and their own terms apply to the payment transaction.

6.3 We do not receive or store your card details. Card data is captured by the payment provider directly. We receive confirmation of the outcome and a reference, and nothing else.

6.4 An invoice is treated as settled when the money is received and confirmed. Starting a payment is not payment, and a confirmation displayed in your browser is not proof of receipt.

6.5 Fees are exclusive of VAT unless stated. VAT is charged at the rate applicable at the time of issue.

6.6 We may suspend work on a matter while an invoice for it is overdue. Where a step in an agreed service sequence carries a fee, we may decline to take that step until it is paid.

6.7 Third-party and governmental charges are payable in addition and are non-refundable once incurred, whatever the outcome.

6.8 Professional fees are payable to the Collaborating Firm, not to GEXCAP. Where a Collaborating Firm is engaged, that firm invoices you directly for its professional work under its engagement letter, and money for that work is its money. Any amount GEXCAP charges is for use of the platform and for the services GEXCAP itself provides, is invoiced separately and is identified as such.

7. Data protection and confidentiality

7.1 We process personal data in accordance with the General Data Protection Regulation and Maltese data protection law. Our privacy notice explains the detail; this section states what the Service itself does.

7.1a Who controls your data. GEXCAP is the controller of the personal data you give to the Service. GEXCAP is established in the United States and offers the Service to people in the European Union, so the GDPR applies to it and it is subject to the supervision of the competent European authority.

7.1b Transfers outside the European Union. Operating the Service involves transferring personal data to the United States and possibly to other countries outside the EEA. Those transfers are made on a lawful transfer basis under Chapter V of the GDPR. Details of the mechanism in force are in the privacy notice, and you may ask for a copy of the safeguards.

7.1c When your matter is passed to a Collaborating Firm. Your enquiry and the record of it are disclosed to the Collaborating Firm so that it can consider and, if it accepts, handle your matter. From that point the firm is a controller in its own right for what it does with your data, under its own privacy notice and its own professional duties of confidentiality. GEXCAP does not control and is not responsible for that firm's processing.

7.2 What the Service records. Your conversation with the assistant and the details you enter; documents you upload; the record of requests, messages, invoices and payments; and administrative logs of who did what.

7.3 Website measurement. Where enabled, we count arrivals at the site. This is done without cookies and without storing your IP address: a visitor is distinguished within a single day by a one-way, salted digest that cannot be reversed and that does not identify the same person on a later day. We can therefore count how many people came, from where, on what device and in what language, and we cannot follow an individual over time.

7.4 Automated processing. Content you submit may be sent to an automated language model to produce a reply, a summary or a draft. Where a third-party provider operates that model, your content is transmitted to that provider under its terms. If you do not want your material processed this way, do not submit it through the assistant; contact us directly instead.

7.5 Retention. We keep records for as long as needed for the purpose they were collected for and for as long as professional, regulatory and limitation requirements demand, after which they are deleted or anonymised.

7.6 Your rights. You may ask for access to your personal data, correction, erasure, restriction, portability, or object to processing. Write to office@margospartners.com. Some rights are limited where we are required to retain records by law or professional obligation.

7.7 Confidentiality obligations we owe you as a client, once engaged, are set out in the engagement letter and are not limited by this section.

7A. Marketing communications

7A.1 Where you give us your contact details, we may contact you about the enquiry you made. That is not marketing; it is the answer to what you asked.

7A.2 We will send you marketing about the services advertised here only where you have consented, or where the law otherwise permits it for an existing enquiry of a similar kind.

7A.3 Every marketing message carries a means of refusing further messages. You may withdraw consent at any time, by the link in the message or by writing to the address in section 17, and it costs nothing. Withdrawing consent does not affect anything sent before.

7A.4 We do not sell your personal data. Where an enquiry is passed to a Collaborating Firm under 7.1c, that is a disclosure for the purpose you asked for, not a sale and not a marketing list.

8. Acceptable use

8.1 You must not use the Service to break the law, to infringe anybody's rights, or to obtain assistance with conduct you know or suspect to be unlawful.

8.2 You must not attempt to gain unauthorised access to any part of the Service, to another user's data, or to our systems; probe, scan or test its security; interfere with its operation; or extract data from it by automated means.

8.3 You must not misrepresent who you are or on whose behalf you are acting.

8.4 You must not submit malicious files, or content that is unlawful, defamatory, or that you have no right to send.

8.5 We may suspend or withdraw access without notice where we reasonably believe this section has been breached.

8.6 You will indemnify us against any claim, loss, cost or expense (including reasonable legal costs) that we incur because you have breached this section, because content you submitted was unlawful or infringed a third party's rights, or because you held out an output of the Service as professional advice given by us or by you.

9. Availability

9.1 The Service is provided on an "as is" and "as available" basis. We do not warrant that it will be uninterrupted, timely, secure or error-free. During the beta this is not a formality: see the Beta release section above.

9.2 We may suspend, withdraw or change any part of the Service, including switching features off, without notice.

9.3 The Service depends on third parties — hosting, model providers, payment providers, registries and communications networks — and we are not responsible for their failure or delay.

9.4 We are not in breach of these terms, and are not liable, for any failure or delay caused by something outside our reasonable control, including failure of a communications network or hosting provider, withdrawal or rate-limiting of a model provider, industrial action, act of a public authority, epidemic, natural event, war or civil disturbance.

10. Limitation of liability

10.1 Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or any liability arising under professional rules that cannot be excluded.

10.2 Subject to 10.1, we accept no liability for any loss arising from reliance on the Service before an engagement letter has been issued and accepted. The Service is an intake and information tool, and reliance on it as advice is outside its purpose.

10.3 Subject to 10.1, we are not liable for: loss of profit, revenue, business, contracts, anticipated savings or opportunity; loss of or corruption of data; loss of goodwill or reputation; or any indirect or consequential loss, however caused.

10.4 Subject to 10.1, we are not liable for the accuracy, completeness or currency of automated output, for any decision taken on it without professional confirmation, or for any deadline missed by a person who used the Service instead of contacting a lawyer.

10.4a Subject to 10.1, we are not liable for any loss arising from the beta nature of the Service, including from a defect, a change, a withdrawal of a feature, or the loss of data described in B.3.

10.5 Subject to 10.1, our total aggregate liability arising out of use of the Service by a person who is not an engaged client is limited to €500. Where you are an engaged client, our liability is governed by the engagement letter and the professional indemnity arrangements described in it, which take precedence over this clause for matters within that engagement.

10.6 Each provision of this section operates separately. If any is held unenforceable, the others continue to apply.

10.7 Claims arising out of the same event, or out of a connected series of events, are treated as a single claim for the purposes of the limit in 10.5.

10.8 Subject to 10.1 and 10.10, any claim in connection with the Service must be brought within twelve months of the date on which you first became aware, or ought reasonably to have become aware, of the matter giving rise to it. After that period the claim is barred.

10.9 We owe no duty of care to any person other than the person who used the Service. If you pass an output of the Service to somebody else, they may not rely on it, and we accept no responsibility to them for it.

10.9a Subject to 10.1, GEXCAP is not liable for the acts, omissions, advice, fees or conduct of any Collaborating Firm. Each firm is independently responsible to you for its own advice and work, under its own engagement letter, its own professional rules and its own professional indemnity insurance. A claim about advice you were given, or about work that was or was not done, lies against the firm that gave it — not against GEXCAP.

10.9b Nothing in 10.9a limits GEXCAP's own liability for the operation of the platform itself, which is governed by the rest of this section.

10.10 If you are a consumer, this section applies only to the extent permitted by law. Nothing in it removes or restricts a right you have under the Consumer Affairs Act (Cap. 378) or any other consumer protection legislation, and where a provision of this section would be an unfair term in a consumer contract, that provision does not apply to you while the rest of these terms continue to.

10.11 Nothing in these terms limits our obligations as a controller of personal data, or your rights as a data subject, under the General Data Protection Regulation and the Data Protection Act (Cap. 586). Those obligations and rights sit outside this section and cannot be varied by it.

11. Third-party services and links

11.1 The Service may link to or rely on third-party services. We do not control them, do not endorse them, and are not responsible for their content, availability or terms.

11.2 Where you pay through a payment provider, or where content is processed by a model provider, that provider's terms and privacy notice apply to that part of the transaction in addition to these terms.

12. Intellectual property in the Service

*This section is about the intellectual property in this website and its outputs. It is not about the intellectual property advisory work we do for clients, which is a professional service governed by an engagement letter like any other.*

12.1 The Service, its software, design, text and the materials in our knowledge base are ours or licensed to us, and remain so.

12.2 You may use documents generated for you, for the purpose for which they were generated. You may not resell, redistribute or hold out the Service — or any output of it — as your own product or as professional advice given by you.

12.3 You retain ownership of what you submit. You grant us the right to use it to provide the Service and to comply with our legal and professional obligations.

13. Changes to these terms

13.1 We may amend these terms. The version in force is the one published here, and the date at the top is when it last changed.

13.2 Continuing to use the Service after a change means you accept the amended terms. If you do not accept them, stop using the Service.

14. Governing law and jurisdiction

14.1 These terms and any dispute arising from them or from use of the Service are governed by the laws of Malta. Malta is chosen deliberately, notwithstanding that GEXCAP is incorporated in the United States: the services presented here are Maltese services, performed in Malta by Maltese firms, and it would not serve a user to litigate about them anywhere else. An engagement letter issued by a Collaborating Firm may specify its own governing law, which prevails for that engagement.

14.2 The courts of Malta have exclusive jurisdiction, save that we may bring proceedings to protect our intellectual property or to recover sums due in any jurisdiction where that is necessary.

14.3 Where you deal with us as a consumer, this section does not deprive you of the protection of mandatory provisions of the law of your country of residence.

15. General

15.1 If any provision is held invalid or unenforceable, the rest continues in force.

15.2 A failure or delay in enforcing any provision is not a waiver of it.

15.3 These terms, together with any engagement letter, are the whole agreement between us in relation to the Service. Where an engagement letter conflicts with these terms in relation to an engaged matter, the engagement letter prevails.

15.4 Nobody who is not a party to these terms may enforce them.

15.5 You confirm that in using the Service you have not relied on any statement, representation, assurance or warranty that is not set out in these terms or in an engagement letter. This does not limit any liability for fraud or fraudulent misrepresentation.

15.6 You may not assign or transfer your rights under these terms without our written consent.

16. Complaints

16.1 If you are dissatisfied with the Service or with a matter we have handled, write to us at the address in section 17 setting out what happened and what you would like done. We will acknowledge within five working days and respond substantively within thirty days.

16.2 Raising a complaint with us does not extend any period in section 10.8, and does not affect any right you have to refer a matter to a regulator or to the courts.

17. Contact

Questions about these terms, and all matters concerning the Service, the platform and your data:

GEXCAP Inc. — operator of the Service, trading as Margos & Partners office@margospartners.com

Questions about a matter a Collaborating Firm is handling for you, about its advice, or about its fees, should go to that firm directly. It will have given you its own contact details in its engagement letter.