Legal and Technical Information

Please read these terms and conditions carefully before using Henry Crummy Insurance Ltd trading as Efficient Financial. We reserve the right, at our sole discretion, to change, modify or remove part of this legal notice at any time. These website pages are updated and modified from time to time. Please check periodically for changes.

Please note that any reference to Efficient Financial in this website is deemed to be as a reference to Henry Crummy Insurance Ltd trading as Efficient Financial.

Information contained herein does not constitute an offer or solicitation of investment services or constitute an offer to buy or sell any advice or product from the company or its subsidiaries or associated companies in any jurisdiction in which such jurisdiction or offer is not authorised or which are not available for distribution in the jurisdiction of the reader of this information.

If you are in any doubt as to whether this site can be accessed by you, please do not proceed any further.

Information appearing on the pages of this website is provided in accordance and subject to the laws of the Republic of Ireland and you are hereby advised that by the virtue of your browsing or accessing these pages you have accepted the laws of the Republic of Ireland as the law governing the conditions the conduct and operation of this website. The Courts of the Republic of Ireland shall have exclusive jurisdiction over all claims or disputes arising in relation to, out of, or in connection with the website and its use and not necessarily any transaction arising therefrom.

The information is provided for residents of the Republic of Ireland only and not for the use of any person resident or domiciled outside of the Republic of Ireland as the advice and /or products and services may not comply with non Republic of Ireland laws. References to currency in this website are to euro, unless otherwise specified.

In determining your engagement with Efficient Financial we need to determine your residency and domicile status as this will have significant bearing on the advice we present. In certain circumstances we may be able to provide advice to non-residents, non-domiciled individuals and you should contact us for a preliminary chat.

The information provided in these pages of the website is of a general nature and is not intended to be exhaustive. It is subject to change and update from time to time. It is made available in good faith and believed to be correct at the time of preparation.

Every time you access web pages of Efficient Financial, and / or its related, affiliated companies make sure you check this page. It is important to note that  Efficient Financial does not take any responsibility for the accuracy of the information provided and the use of the information is at the User’s sole risk. Efficient Financial accepts no responsibility for loss occasioned to any User acting or refraining from action as a result of any material in this website.

The information does not provide specific investment advice, as the needs, finances and investment objectives of any particular person, including yours, were not taken into account when preparing the information. The information is not intended to replace professional advice and we recommend you formally engage us before making any investment decision.

We do not accept any responsibility for any action you may take based on the information on this website. Clients of Efficient Financial sign a Letter of Engagement with us prior to the implementation of any advice or purchase of a product. Our duties and responsibilities are clearly set out in this document.