Legal and Technical Information[vc_row_inner inner_container=”true” padding_top=”30px” padding_bottom=”0px” border=”none”][vc_column_inner fade_animation=”in” fade_animation_offset=”45px” width=”1/1″ style=” background-color: rgba(255, 255, 255, 0.80); filter: alpha(opacity=80); border: 1px solid #ffffff; border-radius: 4px; padding-left:20px; padding-right:20px; padding-top:20px; padding-bottom:20px; font-size: 1.13em;”]
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 Herry 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.[/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row inner_container=”true” no_margin=”true” padding_top=”0px” padding_bottom=”0px” border=”none”][vc_column fade_animation=”in” fade_animation_offset=”45px” width=”1/1″]
- Legal & Technical Info
- Data Protection
- Consumer Protection
- Conflict of Interest
- Authorisation Status
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.
In no event shall Efficient Financial, its directors, employees or agents be responsible for any costs, direct or indirect, or any consequential damages arising out of or in connection with the use of, or the inability to use this website. It is your responsibility to evaluate the accuracy, completeness and usefulness of opinions, advice, services or other information provided. All information contained on the website is distributed with the understanding that the authors, distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters and accordingly assume no liability whatsoever in connection with its use. Consult your own legal or tax adviser in respect to your personal situation.
Efficient Financial, may reproduce, use, distribute or disclose information transmitted to this site or collected through the use of this website to third parties (as outlined in our Terms of Business) for the purpose of providing the best advice and/or available product for you, as per your enquiry. You acknowledge that such information shall be deemed to be non-confidential and that your communication may be read or intercepted by others. You acknowledge that no obligation of any kind shall be attached to such information and that by transmitting information, no confidential, contractually implied or other relationship is created between you and Efficient Financial, and / or its related / affiliated companies.
The user accepts that any transmission of mail via the Internet may be subject to interference from third parties or incorrectly delivered and therefore not continue to be confidential. Therefore, Efficient Financial cannot guarantee the privacy or confidentiality of any information, whether or not relating to the user, passing over the Internet. Efficient Financial, is not responsible for any loss or damage that could result from interception by third parties of any information made available by you via this site.
You have the right at any time, to contact us to seek a copy of the information that we hold about you. In accordance with legislation, we will remove this information when deemed appropriate.
In principle we will operate on the following basis:
Efficient Financial is regulated by the Central Bank of Ireland.
You can verify our regulator status by phoning the Central Bank of Ireland at (01) 2246000