General Terms and Conditions (AGB)

1. Scope of Application

1.1 These General Terms and Conditions apply to all services provided by Laghbani Consulting, a sole proprietorship based in Switzerland, with its business address at Ringstrasse 19, CH-8317 Tagelswangen, Switzerland (hereinafter "Laghbani Consulting"). 1.2 By using our consulting services, whether online or offline, clients agree to these Terms and Conditions. 1.3 Any deviations, additional agreements, or modifications require written confirmation.

For reference on Swiss business regulations, see: Swiss Code of Obligations

2. Services

2.1 Laghbani Consulting offers advisory and consulting services for students, mainly from the GCC region, who wish to study in Germany. 2.2 Our services include, but are not limited to:

• Consultation on study opportunities in Germany

• Assistance with application processes

• Student Support and troubleshooting

• Assisting with necessary requirements like; Blocked account, Health insurance, etc…

• Visa guidance and support

• Pre-departure briefings and settlement advice

2.3 Laghbani Consulting does not guarantee admission to any university, approval of visas, or other outcomes beyond our advisory scope.

For more details on visa requirements, visit: German Federal Foreign Office

3. Contract Formation

3.1 A user relationship between the client and Laghbani Consulting is initiated when the client creates an account on the Laghbani Consulting Portal (https://portal.laghbani-consulting.com/) and provides their personal information in the online portal. 3.2 A binding contract for paid services is formed when the client selects a package on the website and successfully completes the corresponding payment through the online system. 3.3 After successful payment, the client will be asked to sign a power of attorney document which will be sent by email within their online account workflow after being signed. The client must review and sign this document electronically in order for Laghbani Consulting to represent them before third‑party institutions. 3.4 By signing the power of attorney, the client authorizes Laghbani Consulting to communicate and act on their behalf, strictly within the scope of the booked services, in particular with universities, Studienkollegs, embassies, foreign offices, blocked‑account providers, health insurance companies, language schools and other relevant organizations. Laghbani Consulting uses this authorization exclusively in the client’s interest and will not intentionally cause any harm or disadvantage to the client. 3.5 If the client is under 18 years of age, the contract and the power of attorney must be completed and signed by a parent or legal guardian. In this case, the parent or legal guardian is the contracting party with Laghbani Consulting, and the student is the beneficiary of the services. 3.6 The client acknowledges that, without a duly signed power of attorney (or, for minors, a power of attorney signed by a parent or legal guardian), Laghbani Consulting may be unable to fully represent the client before third‑party institutions and that this may limit the scope and effectiveness of the services.

4. Prices and Payment Terms

4.1 All prics for services are listed on our website or in individual offers and are in Euros (€), unless otherwise stated. 4.2 Payments are made online via the payment options available on our website. We use Stripe as our payment processor for secure transactions. 4.3 Full payment is required before service provision unless otherwise agreed in writing. 4.4 Payment processing is handled via third-party providers (Stripe). Laghbani Consulting does not store payment details.

For more information on Stripe’s terms and policies, visit: Stripe Legal

5. Refund and Cancellation Policy

5.1 Clients may cancel their service request within 14 days of purchase, provided that no service has been rendered. This complies with Swiss consumer protection laws: Swiss Federal Consumer Protection. 5.2 If Laghbani Consulting has already commenced work on a client’s request, a partial refund may be granted based on the work completed. 5.3 No refunds will be given after the service has been fully provided. 5.4 If a client fails to provide required documents or necessary cooperation, no refunds will be issued. 5.5 Refund requests must be made in writing to services@laghbani-consulting.com.

6. No Liability & Guarantees

6.1 Laghbani Consulting provides consulting and support services based on its professional expertise but does not guarantee any specific outcome, including admission, visa approval, blocked account opening, health insurance acceptance, or any decision made by third‑party institutions. 6.2 The client is solely responsible for complying with the terms, conditions, rules, deadlines and payment obligations of third‑party providers such as universities, embassies, foreign offices, banks (including blocked accounts), health insurance companies, language schools and other institutions. 6.3 Laghbani Consulting is not liable for any damage, loss, rejection, delay, cancellation, penalty or additional cost arising from the client’s failure to comply with third‑party requirements or from decisions, actions or omissions of third‑party providers and authorities. 6.4 Laghbani Consulting acts exclusively in an advisory and supportive capacity and is not a contracting party between the client and any third‑party provider; responsibility for the performance of contracts and services lies solely with the respective third party. 6.5 The client must inform Laghbani Consulting promptly and in writing of any issues, rejections, warnings, payment problems or other difficulties with third‑party providers; failure to communicate such problems does not create any liability for Laghbani Consulting. 6.6 To the maximum extent permitted by law, any liability of Laghbani Consulting is excluded for indirect or consequential damages and, in any case, is limited to the amount of the fees paid by the client to Laghbani Consulting for the specific service concerned.

7. Data Protection

7.1 Laghbani Consulting collects and processes client data in accordance with Swiss data protection laws (FADP) and, where applicable, the GDPR. 7.2 Detailed information on how personal data is processed can be found in our Privacy Policy.

For reference: Swiss Federal Act on Data Protection (FADP) and EU General Data Protection Regulation (GDPR)

8. Intellectual Property

8.1 All materials provided by Laghbani Consulting, including documents, presentations, and guides, remain our intellectual property. 8.2 Clients may not reproduce, distribute, or share these materials without written permission.

9. Jurisdiction and Governing Law

9.1 These Terms and Conditions are governed by the laws of Switzerland. 9.2 The exclusive place of jurisdiction is Zurich, Switzerland.

For reference: Swiss Civil Procedure Code

10. Final Provisions

10.1 Should any provision of these Terms and Conditions be invalid or unenforceable, the remaining provisions shall remain unaffected. 10.2 Laghbani Consulting reserves the right to modify these Terms and Conditions at any time. The latest version will always be available on our website.