Terms and Conditions
Last updated: 29 July 2026
1. Who we are
These Terms and Conditions govern the supply of services by Andr. Panagiotopoulos Kai SIA L.P., trading as Creattivica, registered in Greece at Dagre 2, Argos, Argolis 21232, VAT number (ΑΦΜ) 802110340, GEMI registration 170151013000 (“we”, “us”, “our”), to the client named in the accepted proposal (“you”, “the Client”).
You can contact us at sales@creattivica.com or on +30 700 700 1758.
2. The contract
2.1 The contract between us consists of the signed proposal or quotation, the specification document referred to in it, and these Terms and Conditions. Where they conflict, the signed proposal takes precedence over these Terms.
2.2 A quotation is not an offer capable of acceptance until we confirm it in writing. Quotations are valid for 30 days from issue.
2.3 The contract comes into effect when you accept the proposal in writing (including by email) and we receive the deposit.
3. Our services
3.1 We provide software development, web development, server administration and hosting, maintenance and technical consultancy services, as described on our Services page and specified in your proposal.
3.2 We will perform the services with reasonable skill and care, in accordance with the agreed specification, and to the professional standards of the software development industry.
3.3 Timelines given in a proposal are estimates made in good faith. They depend on you providing content, approvals, access and feedback promptly. Delays caused by you extend our delivery dates by an equivalent period.
4. Your obligations
You agree to: nominate one person authorised to approve work on your behalf; provide content, materials, access credentials and information we reasonably require, in the agreed formats and by the agreed dates; respond to requests for approval within 5 business days; ensure you hold all necessary rights in materials you supply to us; and pay our invoices when due.
5. Changes to scope
5.1 Any work outside the agreed specification is a change request. We will quote for it in writing, stating the additional cost and any effect on the timeline.
5.2 We will not begin a change, and will not invoice for it, without your written approval.
6. Prices, invoicing and payment
6.1 All prices are in euro (EUR) and exclude VAT. Greek VAT is added at the prevailing rate where applicable. Supplies to VAT-registered businesses in other EU member states are invoiced under the reverse charge mechanism where a valid VIES-registered VAT number is provided.
6.2 Projects are invoiced against the milestone schedule in the proposal. Our standard schedule is 40% on signature, 30% at mid-project milestone, and 30% on handover. Recurring services are invoiced in advance. Hourly work is invoiced monthly in arrears with a breakdown of hours.
6.3 Invoices are payable within 14 days of the invoice date unless the invoice states otherwise.
6.4 We accept SEPA bank transfer, debit and credit card (Visa, Mastercard, Maestro) via secure payment link, and SEPA direct debit for subscriptions. Card charges appear on your statement as Andr. Panagiotopoulos Kai SIA L.P. or CREATTIVICA. Bank charges on transfers are payable by you.
6.5 If an invoice remains unpaid after its due date we may charge statutory interest on the overdue amount under applicable Greek law, suspend work and withhold deliverables and access credentials until payment is received. We will give you 7 days’ written notice before suspending work.
6.6 A valid Greek tax invoice (τιμολόγιο) is issued for every payment received.
7. Acceptance and warranty
7.1 On completion we deliver to a staging environment for your acceptance testing. You have 14 days to test the deliverables against the specification and notify us in writing of anything that does not conform. If you do not, or if you put the deliverables into live commercial use, the work is deemed accepted.
7.2 We warrant that for 90 days from handover the deliverables will perform materially in accordance with the agreed specification. During this period we will correct non-conforming work at no charge.
7.3 The warranty does not cover: faults arising from modification of the deliverables by you or a third party; faults caused by your hosting, network or third-party services outside our control; changes required by updates to third-party software, browsers or platforms after handover; new features or changes to the agreed specification; or misuse or use contrary to our documentation.
7.4 We will always tell you in advance whether we consider a request to be warranty work or chargeable work, and why.
8. Intellectual property
8.1 On receipt of payment in full, all intellectual property rights in the bespoke code, designs and materials we create specifically for you under the contract transfer to you.
8.2 We retain ownership of our pre-existing tools, libraries, frameworks and general know-how. Where these are incorporated in the deliverables, we grant you a perpetual, worldwide, non-exclusive, royalty-free licence to use them as part of the deliverables.
8.3 Third-party components (including open source software, plugins, themes, fonts and stock media) remain the property of their owners and are supplied to you under their own licences. We will tell you what these are and what they cost.
8.4 Until payment in full, we retain all rights in the deliverables and you have no licence to use them commercially.
8.5 You grant us the right to describe the work and display screenshots of it in our portfolio and marketing materials, unless you tell us in writing that you do not wish us to.
9. Confidentiality and data protection
9.1 Each party will keep confidential all non-public information received from the other and use it only for the purposes of the contract. This obligation survives termination. We will sign a separate non-disclosure agreement on request at no charge.
9.2 Where we process personal data on your behalf, you are the data controller and we are the data processor. We will process such data only on your documented instructions, apply appropriate technical and organisational security measures, and comply with Regulation (EU) 2016/679 (GDPR). We will enter into a written data processing agreement on request. See our Privacy Policy.
10. Liability
10.1 Nothing in these Terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be limited or excluded under Greek law.
10.2 Subject to clause 10.1, our total aggregate liability arising out of or in connection with the contract is limited to the total fees paid by you under that contract in the 12 months preceding the event giving rise to the claim.
10.3 Subject to clause 10.1, we are not liable for loss of profit, loss of business, loss of revenue, loss of anticipated savings, loss of goodwill, or any indirect or consequential loss.
10.4 You remain responsible for maintaining your own backups of your data, and for the accuracy and legality of content and data you supply to us.
11. Cancellation and termination
11.1 Either party may terminate the contract on 30 days’ written notice.
11.2 Either party may terminate immediately on written notice if the other commits a material breach that is not remedied within 14 days of written notice, or becomes insolvent or subject to bankruptcy proceedings.
11.3 On termination you will pay for all work carried out up to the termination date, including work in progress, and for any third-party costs we have committed to on your behalf. Deposits are non-refundable once work has begun.
11.4 Full detail on cancellation and refunds is set out in our Refund and Cancellation Policy, which forms part of these Terms.
12. Consumer rights
Our services are supplied to businesses. Where you contract with us as a consumer, you have a statutory right under EU and Greek law to withdraw from a distance contract within 14 days. Where you ask us to begin work within that period, you acknowledge that you lose the right of withdrawal once the service is fully performed, and that if you withdraw during performance you must pay for the work carried out up to that point.
13. Force majeure
Neither party is liable for failure or delay in performing its obligations caused by events beyond its reasonable control, including natural disasters, war, civil unrest, epidemic, strike, failure of utilities, internet or telecommunications infrastructure, or the failure of third-party services or suppliers.
14. General
14.1 We may subcontract parts of the work but remain responsible to you for its performance.
14.2 Neither party may assign the contract without the other’s written consent, which will not be unreasonably withheld.
14.3 If any provision is found unenforceable, the remainder continues in full effect.
14.4 The contract constitutes the entire agreement between the parties and supersedes all prior discussions.
14.5 We may amend these Terms from time to time. The version in force when your proposal was accepted governs that contract.
15. Governing law and jurisdiction
These Terms and any dispute arising out of them are governed by Greek law. The courts of Nafplio, Greece have exclusive jurisdiction, save that consumers may bring proceedings in the courts of their place of residence and may use the European Commission’s Online Dispute Resolution platform at ec.europa.eu/consumers/odr.
16. Contact
Andr. Panagiotopoulos Kai SIA L.P., Dagre 2, Argos, Argolis 21232, Greece
Email: sales@creattivica.com · Telephone: +30 700 700 1758