Murzo Group – Policies

Privacy Policy

How Murzo Group collects, uses, and protects personal data.

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Cookie Policy

Cookies, similar technologies, and consent management.

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Terms & Conditions

Rules for access to and use of Murzo Group services and platforms.

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E-Commerce & Online Marketplace Selling Policy

Online selling, seller of record, third-party fulfilment, unauthorised resale, marketplace listings, takedowns, and customer responsibility.

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Complaints Handling & Customer Redress Policy

Complaint intake, investigation, escalation, customer redress, records, and improvement.

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Digital Consumer Protection, Pricing, Reviews & Checkout Compliance Policy

Digital consumer protection, online pricing, reviews, checkout compliance, affiliates, brokers, political neutrality, and unauthorised marketing controls.

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Returns, Refunds & Distance Selling Policy

Returns, refunds, statutory consumer rights, distance selling, exclusions, and record control.

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Accessibility Statement

Commitment to inclusive digital services and recognised standards.

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Modern Slavery & Human Trafficking Statement

Zero-tolerance approach and supply chain safeguards.

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Data Protection Policy

Data protection principles, security, retention, and rights.

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Client Platform User Agreement

Terms for use of Murzo Group’s secure client platform and data handling.

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Cybersecurity & Data Breach Policy

Security controls, incident response, and breach handling.

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Third-Party Software, Open Source & Digital Supply Chain Policy

Third-party software, open source, dependencies, digital suppliers, vendor access, licences, and cyber supply chain risk.

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Vulnerability Disclosure Policy

Security vulnerability reporting, safe testing boundaries, triage, and coordinated disclosure.

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Security Assurance Framework (SAF)

Security governance, assurance, risk management, and review.

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Information Classification & Handling Policy

Classification levels and handling requirements for information.

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Acceptable Use, BYOD & Remote Working Policy

Acceptable use, personal devices, remote working, secure communications, monitoring, and lost device reporting.

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Access Control, Password & MFA Policy

Least privilege, account lifecycle, MFA, passwords, passkeys, privileged access, and access review.

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CCTV, Surveillance & Body-Worn Camera Policy

CCTV, surveillance, body-worn cameras, privacy assessment, signage, retention, access, and disclosure.

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Claims, Marketing & Public Communications Policy

Controls on public statements and restricted claims.

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Financial Promotions, Fundraising & Investment Communications Policy

Financial promotions, fundraising, investor materials, property ventures, asset claims, regulated activity risk, and approvals.

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Crisis Communications & Incident Response Policy

Controlled communications and decision-making during incidents.

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Business Continuity & Disaster Recovery Policy

Operational resilience, continuity planning, disaster recovery, critical activity recovery, and testing.

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Global Compliance Policy

Legal compliance principles across jurisdictions and domains.

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Corporate Governance, Director Duties & Statutory Filing Policy

Director duties, statutory filings, Companies House records, board records, registers, accounts, and governance controls.

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Contract Approval, Signing Authority & Delegations Policy

Contract approval, signing authority, delegations, authority limits, legal review, purchase commitments, and binding commitments.

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Government Contracts, Public Procurement & Tendering Policy

Public procurement, government contracts, tendering, supplier information, conflicts, bid integrity, exclusion risks, and delivery.

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Defence & Security Compliance Policy

Governance for defence-adjacent and security-sensitive activity.

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Weapons, Firearms, Explosives & Controlled Items Policy

Weapons, firearms, explosives, ammunition, replicas, historical weapons, controlled items, licensing, storage, and transport.

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Export Controls & Sanctions Compliance Policy

Trade controls, sanctions risk, and cross-border governance.

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Customs Import/Export Policy

Customs declarations, EORI, commodity codes, origin, valuation, licences, brokers, and trade records.

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EU/EEA Market Access & Product Compliance Policy

EU and EEA product access, product safety, conformity, labelling, standards, authorised representatives, and market surveillance.

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Importer of Record, Exporter of Record & Customs Broker Policy

Importer and exporter responsibility, EORI, customs brokers, declarations, authority contact, and role clarity.

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Incoterms, Delivery Terms & International Shipping Risk Policy

Incoterms, delivery terms, shipping risk, freight, insurance, title, customs handover, and international fulfilment.

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Cross-Border VAT, Duties, IOSS/OSS & Fiscal Representative Policy

Cross-border VAT, import VAT, duties, IOSS, OSS, fiscal representatives, VAT registration, and international tax handling.

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Foreign Work, Business Travel, Visas & Posted Worker Policy

Overseas work, business travel, visas, posted workers, social security, insurance, local employment, and worker safety.

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Permanent Establishment, Local Entity & Overseas Tax Presence Policy

Permanent establishment, local entity, branch, subsidiary, overseas tax presence, agents, warehouses, and foreign operations.

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EU Restricted Substances, REACH/CLP & Product Materials Policy

EU restricted substances, REACH, CLP, chemicals, substances of concern, safety data sheets, materials, and supplier controls.

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EU EPR, Packaging, Batteries, WEEE, Textiles & Digital Product Passport Readiness Policy

EU EPR, packaging, batteries, WEEE, textiles, circularity, digital product passport readiness, and product data.

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Temporary Export, ATA Carnet, Samples, Exhibitions & Demonstration Goods Policy

Temporary exports, ATA Carnets, samples, exhibitions, demonstration goods, prototypes, repairs, returns, and duty relief.

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EU Food, SPS & Border Control Policy

EU food, SPS controls, border control posts, health certificates, plant health, animal products, food labelling, and pre-notification.

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Anti-Diversion, End-Use & Re-Export Control Policy

Anti-diversion, end-use checks, re-export control, sanctions, controlled goods, dual-use technology, and suspicious trade red flags.

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Foreign Agents, Distributors, Local Partners & Commission Payments Policy

Foreign agents, distributors, local partners, introducers, commission payments, anti-bribery, sanctions, and conflicts.

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Spain Operations & Market Entry Appendix

Spain operations, EU market entry, VAT, NIF, EORI, posted workers, product rules, food, farming, property, agents, and employment.

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Cultural Property & Provenance Policy

Antiquities, provenance, title checks, cultural export controls, illicit trade prevention, and object records.

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Human Remains, Sacred Objects & Repatriation Claims Policy

Human remains, sacred objects, funerary items, sensitive cultural material, repatriation claims, dignity, and custody.

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Dual-Use Technology & End-Use Control Policy

End-use controls for dual-use technologies and knowledge transfer.

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Ethical Technology & AI Use Policy

Ethical principles for AI, automation, and advanced systems.

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AI Governance & EU AI Act Readiness Policy

AI governance, EU AI Act readiness, AI risk classification, prohibited uses, high-risk AI, transparency, and oversight.

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Ethical Collaboration & Research Cooperation Policy

Safeguards for collaboration, research, and cross-border cooperation.

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International Operations & Cross-Border Governance Policy

Jurisdictional boundaries and risk controls for international activity.

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International Intellectual Property Protection Policy

Global protection and enforcement of Murzo Group IP in cross-border contexts.

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Intellectual Property Ownership & Assignment Policy

Ownership, assignment, AI outputs, and enforcement position.

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Records Retention & Legal Hold Policy

Retention rules, defensible disposal, and legal holds.

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Physical Asset & Collections Management Policy

Physical assets, property, collections, inventory, valuation, custody, condition, insurance, movement, and disposal.

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Real Estate Acquisition, Leasing & Facilities Management Policy

Real estate acquisition, leasing, facilities, international due diligence, title, permits, safety, maintenance, and records.

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Building Safety, Fire Safety & Occupied Premises Policy

Building safety, fire safety, occupied premises, responsible persons, risk assessment, emergency arrangements, and contractors.

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Conflict of Interest Policy

Disclosure, management, and mitigation of conflicts of interest.

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Whistleblowing & Speak Up Policy

Protected disclosures, confidential reporting, anti-retaliation, and investigation of serious concerns.

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Risk Management Policy

ISO 31000-aligned principles for identifying and treating risk.

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Quality Management Policy

ISO 9001-aligned quality principles and continuous improvement.

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General Product Safety & Technical File Policy

Product safety, technical files, design risk assessment, testing, labelling, instructions, conformity, and records.

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Health, Safety & Wellbeing Policy

Proportionate health and safety approach across environments.

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RIDDOR, Serious Incident & Regulator Notification Policy

RIDDOR, serious incidents, dangerous occurrences, regulator notifications, authority escalation, and incident control.

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Lone Working & First Aid Arrangements Policy

Lone working, first aid arrangements, risk assessment, emergency communication, welfare, and incident reporting.

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COSHH / Chemical Safety Policy

Hazardous substances, chemical controls, storage, training, monitoring, and emergency response.

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Recruitment, Right to Work & Vetting Policy

Fair hiring, UK right to work checks, screening, and role-based vetting.

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Insider Threat, Enhanced Vetting & Sensitive Roles Policy

Insider threat, enhanced vetting, sensitive roles, role-based access, aftercare, conflicts, monitoring, and reporting.

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Equality, Diversity, Anti-Harassment & Dignity at Work Policy

Equality, diversity, anti-harassment, dignity at work, discrimination prevention, adjustments, and complaint handling.

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Corporate Social Responsibility (CSR) Policy

Ethical conduct, people, community, and environmental responsibility.

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Sustainability & Environmental Policy

Environmental stewardship, design, and supply chain principles.

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Land, Soil, Water & Environmental Stewardship Policy

Land stewardship, soil health, water protection, farming practices, pollution prevention, and environmental records.

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Waste Duty of Care, Hazardous Waste & Environmental Permits Policy

Waste duty of care, hazardous waste, environmental permits, carriers, disposal, contractor controls, and spills.

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Circular Design & Waste Reduction Policy

Circular design principles and responsible waste management.

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Packaging, EPR & Waste Compliance Policy

Packaging design, extended producer responsibility, packaging records, supplier evidence, and waste controls.

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Green Claims & Sustainability Marketing Policy

Environmental claims, sustainability marketing, greenwashing prevention, evidence, approval, and records.

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Responsible Materials Policy

Restricted materials, CITES-sensitive materials, supplier evidence, fashion materials, traceability, and claims.

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Botanical Diversity & Conservation Policy

Responsible consideration of plant biodiversity in activities and sourcing.

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Wildlife & Biodiversity Protection Policy

Precautionary approach to wildlife impacts, insects, and ecosystems.

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Biosecurity, Pest & Disease Management Policy

Biosecurity principles for insect-related environments and operations.

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Substrate & Feedstock Compliance Policy

Selection and control of insect substrates under UK/EU principles.

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Animal Feed, Pet Food & Animal Product Trial Policy

Animal feed, pet food, feeding trials, palatability trials, animal welfare, samples, third-party testing, and unauthorised animal-use controls.

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Animal By-Products Handling & Disposal Policy

Handling and lawful disposal of insect-related ABP waste streams.

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Novel Foods & Market Access Policy

Regulatory awareness for novel foods in UK and EU contexts.

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Food Safety & Product Integrity Policy

Food safety principles, traceability, and integrity expectations.

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HACCP & Food Safety Management System Policy

HACCP, food safety management systems, prerequisite programmes, CCPs, monitoring, verification, and records.

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Cleaning, Hygiene, Sanitation & Pest Control Policy

Cleaning, hygiene, sanitation, pest control, food hygiene, cross-contamination prevention, inspections, and records.

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Food Defence, Food Fraud & Authenticity Policy

Food defence, fraud, authenticity, adulteration, substitution, intentional contamination, and escalation.

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Allergen Management & Labelling Policy

Allergen controls, ingredient records, labelling, cross-contact prevention, and recall readiness.

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Traceability & Batch Control Policy

Batch identification, lot control, mass balance, product status, and recall readiness.

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Product Recall & Withdrawal Policy

Product hold, withdrawal, recall, authority notification, customer communication, and corrective action.

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Supplier Approval, Procurement & Due Diligence Policy

Supplier approval, procurement due diligence, onboarding, monitoring, contract controls, and suspension.

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Supplier Code of Conduct

Supplier standards across labour, ethics, environment, and security.

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Anti-Bribery & Corruption Policy

Zero tolerance for bribery, corruption, and improper influence.

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Fraud Prevention & Economic Crime Policy

Fraud prevention, economic crime, associated persons, red flags, approvals, reporting, and corrective action.

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High-Value Goods, Anti-Money Laundering & Source of Funds Policy

High-value goods, AML, source of funds, customer due diligence, suspicious activity, and transaction controls.

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Tax Governance & Compliance Policy

Tax compliance controls, record-keeping, and authority engagement.

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Failure to Prevent Facilitation of Tax Evasion Policy

Prevention of tax evasion facilitation, associated persons, red flags, overseas tax risk, escalation, and advice controls.

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Transfer Pricing & Intercompany Transactions Policy

Arm’s length principles and governance for related-party arrangements.

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Insurance & Liability Disclosure Statement

Insurance posture, disclosure limits, and liability position.

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