Terms of Service

These Terms of Service apply when you order online with us. Before placing an order, please read them carefully. If you do not agree to these Terms of Service, you must not check ‘Agree to our Terms of Service’ during the purchase process. You will then not be able to place an order with us. If you agree with the Terms of Service unconditionally, please check ‘Agree to our Terms of Service’ during the purchase process. You will then be able to place an order with us.

General Information

For your convenience, we have listed below some general information:

Products” means any products sold by ExpatInfoDesk;

Services” means any services provided by ExpatInfoDesk;

We” or “us” means ExpatInfoDesk is owned and operated by TFG Global Insurance Solutions Ltd. as a separate division.

Our e-mail address is info@expatinfodesk.com;

Formation of Contract

In order to conclude a legally binding contract with us you must:

agree unconditionally to these Terms of Service before being given the opportunity at the end of this document to click on the “accept” button. Once you have accepted these Terms of Service you will be given information on price together with a description of the Products and Services which are available, and an explanation of any promotional offers and methods of payment. You will also have the option to correct errors in your order before it is placed.

on completing the order form you will be given the opportunity to submit the order to us. On receipt of your order, you will be given notification either immediately on our website or by email that your order has been processed. Upon receipt of such notification and provided that you are able to access any notification by email, a legally binding contract will have been formed between us.

We reserve the right not to process your order and we will notify you by electronic mail if this is the case.

If you wish to amend an order you have placed please email us at info@expatinfodesk.com.

Please note that while we guarantee to send to you a notification of every valid order we receive from you, you will understand that we cannot equally guarantee that the notification we send will be received by you, nor that, if it is received by you, it is legible and uncorrupted.

These Terms of Service will override any contrary terms or conditions published by us or appearing on this website in relation to any order placed by you with us.

Data Protection

We will collate the information which you give to us in the order form to provide you with our online ordering service. By giving us this information, you consent to our use of it in order to process your order.

In addition, we may provide this information to other companies who may be interested in sending you details of their products or services. If you are not prepared for your details to be passed to such companies, please contact us at info@expatinfodesk.com.

Description and Pricing

The Products that we sell and related prices are set out when you purchase our guides.

The Services that we provide [and related prices] are set out on our destination pages and during our purchase process.

Where we quote a charge to you, that quote will remain open for acceptance by you within the following 14 days.


Unless otherwise agreed, payment for the Products is made via the website when the order is placed.

Unless otherwise agreed, payment for Services is due within 14 days of the date of our invoice.

No payment will be deemed to have been made until cleared funds have been received from you.

Right to cancel

If you are not acting in the course of business when you buy Products you have the right to cancel your agreement with us without charge by notice in writing to us within seven working days of their delivery to you. This right may not apply where you purchase from us bespoke Products made to your order. You must, however, take reasonable care of the Products and return them to us at your own cost.

If you are not acting in the course of business when you order Services from us you have the right to withdraw your instructions without charge by notice in writing to us at any time within seven working days of giving those instructions. Please note that this right will cease if we start work with your consent within that time.

If you are not acting in the course of business we agree to reimburse you, free of charge within 30 days of notification of cancellation or withdrawal, the purchase price you paid for the Products or Services, although we do reserve the right to charge you for the cost of recovering any Products that you do not return (which will be by deduction from the purchase price).

Warranties, Liability and Indemnity

We make no representations or warranties regarding the Products or Services except as set out in these Terms of Service and on this website. Other representations, warranties, terms and conditions, whether express or implied by statute, common law or otherwise, are excluded to the fullest extent permitted by law.

Nothing in these Terms of Service or on this website shall limit our liability for death or personal injury caused by our negligence.

In no event will we be liable for any indirect, special or consequential loss (including third party claims, loss of profits, revenue or goodwill) suffered by you or any third party arising in relation to the Products or Services.

We accept no liability for loss of data and you agree to take full responsibility for the backup of files and data stored on our servers.

Your statutory rights are not affected by any of the terms in these Terms of Service.


If any dispute arises out of this contract the parties will attempt in good faith to negotiate a settlement. If the matter is not resolved by negotiation, the parties will refer it to mediation in accordance with the Centre for Effective Dispute Resolution (“CEDR”) Model Mediation Procedure. (See https://www.cedr.com). If the parties fail to agree on terms of settlement within 42 days of the start of the first meeting held under such procedure, the dispute may be referred to litigation by either party.


These Terms of Service are governed by Canadian Law and you and we submit to the exclusive jurisdiction of the Canadian courts only.


We aim to provide you with quality service. If, however, you feel that you have cause to complain, you can contact us using the details provided in clause 1. We will do our best to solve any problems that arise.