LEGAL

Maher Law Limited is incorporated in the Isle of Man, company number 022217V. Registered office: Third Floor, 4 Athol Street, Douglas, Isle of Man, IM1 1LD. Director: Thomas Dermot Maher.

Maher Law Limited is regulated by the Isle of Man Law Society.

Copyright

Copyright in the content of this website is owned by Maher Law Limited. You are permitted to download and print content from the website solely for your own internal business purposes and/or personal use, but the website content must not be copied, reproduced, retransmitted, used or otherwise dealt with for any other reason without our express prior consent. You may not modify or redistribute the content of this website or reproduce, link or frame it on any other website without our express prior consent.

COMPLAINTS

Our Complaints Policy

Maher Law Limited (Maher Law) is committed to providing high quality legal services to every client. If at any point you feel that this commitment has not been met, we need you to tell us.This will help improve our standards.

Our Complaints Procedures

Any concerns or complaints should be raise das soon as possible in order for us to deal with it efficiently and correctly.Of course, no charges will be raised for complaints discussions about our services. Complaints should be made in writing to our office address, or by email to tom@maher.im.

Your complaint should set out what you think has gone wrong, with times, dates and copy documents if possible/necessary. You should also set out how, in your opinion, the problem can be addressed and resolved.

What Next?

We will consider the details of your letter and write back with our initial conclusions. We may ask for further information or explanation of any details you set out. We will also offer a physical or virtual meeting to discuss further.
If a meeting is not wanted or possible, we will follow up with a detailed written reply to your complaint, with our suggestions for resolving it, within 28 days of receiving your indication that a meeting is not wanted or possible (“Detailed Response”).
If a meeting is accepted, we will attempt to resolve the complaint there.
If the complaint cannot be resolved during a meeting, or if a meeting is declined and you remain dissatisfied with our Detailed Response, you should write to us again explaining why this is the case (“Complaint Review”). We have an arrangement with an independent Manx law firm to act on Complaint Reviews. Upon receipt of a Complaint Review, we will arrange for this law firm to review your complaint and our responses.
This law firm will then contact you within 28 days of receiving the Complaint Review, confirming a final position of your complaint, with reasons (“Final Response”).

If you remain dissatisfied with the Final Response, you should contact the Isle of Man Law Society at 13 Mount Havelock, Douglas, Isle of Man, IM1 2QG or call 01624662910 about your complaint.

Any complaint to the Law Society must usually be made within six months of your receiving the Final Response from us about your complaint.

The Law Society will then review your complaint. We will let you know how long this process may take.

The Law Society has supplied further guidance on its service at https://iomlawsociety.co.im/complaints/.

If we must change any of the timescales above, we will let you know and explain why.

Maher Law has received zero complaints which were required to be resolved under our Complaint Procedure during the year 1 January 2024 - 31 December 2024.

Terms of Business

1 Introduction

1.1 Maher Law Limited is an Isle of Man legal practice.

1.2 References in these Terms of Business to we, our, us andthe firm mean Maher Law Limited.

1.3 Any advice that we provide is for your benefit alone for the purpose of this engagement. Unless we expressly agree otherwise, the advice is not to be used or relied upon by third parties. We accept no responsibility for any consequences arising from reliance upon our advice by any person other than you.

1.4 We reserve the right to vary these Terms of Business from time to time, including during the course of the provision of legal services by giving notless than 14 days’ notice to you. If you continue to instruct us following suchnotice, you will be deemed to have accepted the variation.

2 Your Authorised Representative

2.1 In our provision of legal services, you authorise us to deal with any designated representative notified to us in writing (including by email) or by telephone from time to time. That notification may come from you or other professional advisers or agents or other third parties providing services foryou in relation to this engagement.

3 Due Diligence

3.1 We are required to complete due diligence checks and risk assessments on all new and existing clients. These checks will include gathering information and documents to identify and verify each individual or entity for whom we act and, if applicable, each principal or beneficial owner of that entity. We may conduct electronic identity verification searches.

3.2 Either the lawyer or fee earner responsible for your engagement or a member of the legal compliance team will contact you to agree what information and documents are required to satisfy our due diligence checks, including the formof those documents.

3.3 We may immediately stop acting for you if, within a reasonable period, you fail to produce or delay in producing any information or documents (in a form acceptable to us) which we require for our due diligence checks. If we so terminate our engagement, that termination will be without any liability on our part and without prejudice to our ability to claim our fees, disbursements and charges incurred prior to that termination.

3.4 We are not permitted to provide final advice to enable a transaction to complete until our due diligence checks have been finalised. Any advice that we give to you prior to the completion of the due diligence checks will be takento be preliminary advice on which you cannot place any reliance and for which we accept no liability.

4 Fees

4.1 Unless agreed otherwise, our fees are based on time spent by our lawyers and other fee earners. The applicable hourly rate has been communicated to you in our letter of engagement. However, we are entitled to take into account, when assessing rates and bills generally, other factors including the importance, urgency, novelty and complexity of the matter, the values involved, the number and length of any documents involved, any special skills required and the firm's experience, expertise and precedents. We are always willing to discuss with you a fair and reasonable method to determine our fees in any specific case.

4.2 Our billing rates vary according to the experience, qualifications and role of the individuals involved. Our billing rates are reviewed from time to time and may be adjusted as we consider necessary. We will notify you if our rates change. The rates applied will be those in force at the time the work is undertaken.

4.3 By instructing us, you authorise us to incur and charge for disbursements such as those relating to court fees, courier services, government fees, travel expenses and other third-party charges. A 4% sundry charge will be added to each invoice (this fee covers general administration costs).

4.4 Where significant or unusual third-party payments are required, we may forward any related invoices to you for direct payment.

4.5 Although we may from time to time, at your request, provide estimates of fees, disbursements and charges that we anticipate will be incurred, these are only estimates and the actual fees, disbursements and charges ultimately invoiced may vary from those estimates. We will endeavour to inform you as soon as possible if it appears that any estimate is likely to be exceeded or if there are significant changes to the variables on which the estimate was based. We will not increase any agreed fee cap without this being approved by you in writing in advance. You may request an update on fees at any time during the course of our engagement.

4.6 Our mandatory due diligence procedures may result in a charge depending on the extent of the due diligence required. In the event that we are requested to provide copies of due diligence records to third parties, we may charge a fee depending on the extent of the due diligence required and will action only subsequent to receipt of a signed mandate of release by you.

4.7 We will add to your invoice any value added tax or other similar tax that maybe chargeable on all or any part of the services which we provide as part ofour engagement or any disbursements or charges in relation to those services.

4.8 In the event that you are required to withhold or make any deductions in respect of any tax or similar levy, you will pay to us such additional amount as will ensure we receive the same total amount that would have been received if there were no such withholding or deduction.

5 Payments on Account and Client Account Funds

5.1 We reserve the right to request a payment on account of fees, disbursements and/or charges.

5.2 All clients' money accepted by the firm will be held in an account separate from the firm's money. It will be held on trust. We pay interest on clients' money in certain circumstances. If you would like further details of this, please do not hesitate to ask us.

5.3 Where we are holding money for you, on account or otherwise, we may use this money towards payment or part-payment of any of our outstanding invoices. We will always inform you when this is being done. Should you inform us in writing of a bona fide dispute in relation to our fees, disbursements or charges, we will place such funds on a suspense account pending resolution of any such dispute.

5.4 Any monies retained in our client account (irrespective of the reason for which they are held) shall be placed on account with a bank. In the event of such bank being unable to meet its obligations to its creditors for any reason(including but not limited to any form of insolvency), we shall not be liable to any person for any costs, claims or expenses or any losses (whether consequential or otherwise), damages or liabilities howsoever arising and your liability for payment of our fees, disbursements and charges shall remain unaffected.

5.5 Paragraph 5.4 shall not apply in respect of undertakings we provide to any of our clients or to third parties as part of the legal services which we provide (unless otherwise expressly stated in the terms of the undertaking).

6 Payment

6.1 Invoices are usually rendered monthly in arrears and generally include all fees, disbursements and charges incurred up to the date of the invoice. Interim invoices may be issued. Unless otherwise agreed with us, payment is due immediately.

6.2 If payment is not made within 30 days, we may charge interest at a monthly rate of 4%.

6.3 Without prejudice to our right to claim interest, if payment is not made when due (or if we request payment on account of fees, if payment is not made when requested), we may stop acting for you and retain documents and papers belonging to you, together with our own records, pending payment in full of all amounts due to us.

6.4 Where we are instructed by more than one client, responsibility for our fees will be joint and several unless agreed otherwise with us.

6.5 You remain personally responsible for payment of our fees where it is intended that our fees will be met from any source other than your own funds. You are liable when payment is due, whether or not monies are available from any such other intended source. Without limitation, and for the avoidance of doubt, this includes where you instruct us as representative for another party, as trustee or as liquidator, receiver or administrator of a company and our fees, disbursements and charges are intended to be met out of the other party's assets, or trust or company assets, as the case may be.

7 Confidentiality and Data Protection

7.1 References in these Terms of Business to Client Information means all the details we hold about you and the matters upon which we are instructed by you, whether those details are supplied by you or come from third parties. We are committed to ensuring that Client Information is kept confidential in accordance with these Terms of Business.

7.2 Where such Client Information consists of personal data about you and/or your officers, employees, shareholders, beneficial owners, associates, agents and, where applicable, family members you acknowledge that we may process such personal data in accordance with any data protection legislation applicable to us and our privacy policy.

7.3 We shall not disclose to any third parties any Client Information unless (a) such disclosure is permitted by these Terms of Business; (b) you have consented to such disclosure; (c) such information is already in the public domain (otherwise than as a result of unauthorised or improper conduct of the recipient); or (d) we are required by any law or order of any court, tribunal or judicial equivalent or pursuant to any direction, request or requirement (whether or not having the force of law) of any governmental, regulatory or supervisory body.

7.4 We may disclose Client Information for legitimate business purposes to any of the following, which may be in another country: service providers or agents who are subject to duties of confidentiality such as auditors, credit reference agencies, insurers, debt collectors and providers of computing facilities.

7.5 The legitimate business purposes for which we may disclose Client Information include but are not limited to: (a) general client and matter management, undertaking internal conflict of interest checks, anti-money laundering and financing of terrorism checks, analysing Maher Law Limited’s performance and generating internal financial and marketing reports; (b) assessing legal and financial risks and collecting debts; (c) ensuring that our client care is of the highest quality.

7.6 If we have suspicions of money laundering based on information obtained by us professionally, it may be necessary or appropriate for us to report those suspicions to the relevant authorities. Such a report does not breach any duty of confidentiality owed by lawyers to their client.

7.7 Where any transfer of Client Information as described in these Terms of Business is to any person in another country, such transfer is on the basis that anyone to whom we pass it provides an adequate level of protection. However: (a) that other country may not provide the same level or type of statutory (other legal) protection as your country; and (b) in some circumstances, your Client Information may be accessed by law enforcement agencies and other authorities to prevent and detect crime and comply with legal obligations.

7.8 You must ensure that any Client Information provided to us has been provided legitimately and that there is a legitimate basis under any applicable data protection legislation for providing such data to us.

8 Limitation of Liability

8.1 If you, or a party whom you represent or who otherwise may claim through you, suffer or incur any loss or damage (of whatsoever kind and howsoever arising) arising out of, or in connection, with our services (whether caused, or contributed to, by any act, omission or statement or by any delay in acting or arising in any other way in connection with our services), you and any such party may only have recourse to the assets of the firm in respect of that loss or damage. For the purpose of this clause, the assets of the firm include all rights or claims (including any indemnity) of the firm or the principal, partners or any other employee or consultant of the firm pursuant to any professional indemnity or similar insurance held or maintained by Maher Law Limited.

8.2 Apart from the firm's assets, you and any such other party will have no recourse to the personal assets of any principal, partner, or employee or consultant, their respective personal representatives or any related person. You agree not to bring a claim against any of our employees or consultants personally. This paragraph shall not exclude or limit the liability of the firm for the acts or omissions of its employees performed under the firm's supervision or within the scope of the employee's contract of employment with the firm.

8.3 If you have agreed to limit the liability of a co-adviser, you also agree that our liability of whatsoever nature and howsoever arising is limited in the following way: our liability excludes any amount which we would have been entitled to recover from that co-adviser in contribution proceedings had you not agreed to the limitation with that co-adviser.

8.4 The maximum liability of Maher Law Limited for any claim against us shall be equal to the maximum aggregate cover provided by our professional indemnity insurance policy from time to time. Unless we inform you otherwise, that maximum liability is £4 million. You accept and acknowledge that this cap on liability is reasonable in all the circumstances and furthermore, you acknowledge that where you require a higher cap on liability, you may discuss the matter with us. We can then arrange further insurance at your cost on terms agreed with you.

9 Termination

9.1 You may terminate our engagement at any time by notice in writing.

9.2 In addition to the grounds for termination under paragraphs 3.3 and 6.3, we may also stop acting for you in any of the following circumstances: (i) we believe that your actions may potentially breach any laws, regulations, rules or codes; (ii) we consider there has been a breakdown in confidence and trust between us; or (iii) in any other circumstances where, in our opinion, it is not appropriate or possible for us to continue acting.

9.3 If for any reason we cease to act for you before the conclusion of the matter, you will be responsible for our fees, disbursements and charges incurred up to the date of termination and for any fees, disbursements and charges associated with the transfer of your files to another adviser of your choice.

10 Tax and Financial Advice

10.1 We do not provide tax advice in the Isle of Man or in any other jurisdiction. In the event that any tax implications or consequences arise directly or indirectly in relation to the matter in respect of which we are providing advice, you agree that it is your responsibility to obtain the appropriate tax advice in the appropriate jurisdiction.

10.2 For the avoidance of any doubt, Maher Law does not undertake any financial advice or other financial services. In the event that you require financial advice or financial services, you should seek this from an independent and duly qualified and regulated third party.

11 General

11.1 As a matter of policy, we will not accept a general retainer to act for you and we reserve the right not to accept instructions in respect of any matter, or to decline to continue to act further on the grounds of conflict of interest or otherwise (as to which our determination shall be final). It is a condition of our engagement that you agree that we may represent, now and in the future, existing or new clients in any matters that are not in conflict with our work for you.

11.2 We are prohibited by professional rules governing the conduct of lawyers from acting in any matter where there would be a conflict of interest or significant risk of a conflict of interest. Without your prior consent, we cannot and will not represent any client adverse to you in a specific legal matter if we have obtained confidential information from you that is material to that matter. However, in instances in which we have no such material confidential information, you agree that we can represent other clients in legal matters, even those potentially or actually adverse to you or any of your affiliates, without your further consent. In order to minimise the likelihood of a conflict arising, you must notify us as soon as possible as you become aware of a potential conflict, or situation that may give rise to a conflict.

11.3 Original materials that we generate for our clients are protected by copyright which belongs to us. You are entitled to use those documents for the purposes for which they were obtained and for all reasonably associated purposes. Subject to the provisions of applicable professional rules you are not entitled to receive or review our internal correspondence relating to your matters irrespective of whether our fees on those matters included the production of that correspondence.

11.4 We will retain documents relating to this engagement in accordance with our current record retention policy. All documentation (including original documentation) that we hold or are requested to hold for you in safekeeping will be held by us at your risk and we accept no responsibility or liability whatsoever or howsoever arising in relation to the storage or destruction or loss of any such documentation. We recommend that you retain a copy of all such documents for your own reference.

11.5 In order to communicate with you efficiently, we may communicate with you by unencrypted email, unless you expressly instruct otherwise, either generally, or for highly confidential messages. Internet communications, however, cannot be guaranteed to be secure or error-free as they may be intercepted, corrupted, lost, arrive late or contain viruses. We do not accept liability for any interceptions, errors or omissions in the context of a message sent by internet transmission.

11.6 Our advice is applicable to Isle of Man law in force at the time we provide our services and we are not responsible for advising on changes in the law after we have delivered our advice. We are not responsible for compliance with any laws or regulations of any jurisdiction other than the Isle of Man.

11.7 You agree that you will provide us with all information and documentation that may reasonably be required for us to advise you in relation to our engagement (and do not rely upon us having any documentation or information that you may have provided to us in relation to any prior engagement). You further agree to ensure that such information and documentation is and remains true, accurate and complete in all material respects and is not misleading. We will not seek to independently verify the truth, accuracy or completeness of information and documentation you supply to us save where we specifically agree in writing to do so.

11.8 We rely on the strict understanding that, if appropriate, you have obtained, or will obtain, proper professional advice as to the laws of every relevant jurisdiction other than the Isle of Man. At no time is the advice given by us to be regarded or construed as evaluating or recommending a commercial decision or a given course of action. The determination and the consequences of any course of action are matters entirely to be determined by you. We do not provide investment advice and we do not provide tax advice.

11.9 We will not be liable for any failure or delay in providing any services as a result of circumstances beyond our control including, without limitation, fire, flood, storm, earthquake, wars and riots.

11.10 Maher Law Limited is incorporated in the Isle of Man, company number 022217V. Registered office: Third Floor, 4 Athol Street, Douglas, Isle of Man, IM1 1LD. Director: Thomas Dermot Maher.

12 Governing Law and Jurisdiction

12.1 The terms of this engagement are governed by the laws of the Isle of Man. Both parties submit to the non-exclusive jurisdiction of the courts of the Isle of Man in respect of any dispute arising out of or in connection with the terms of this engagement.

On behalf of [client], I hereby confirm that we have read and understood, and agreed to be bound by, these Terms of Business.

Signed: _________________________

Date: _________________________

Please sign and return one copy of these Terms of Business. Please note that if you do not return these signed Terms of Business but continue to instruct us after receipt of these Terms of Business, you will be deemed to have accepted and be bound by these Terms of Business.

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