Terms of Business

These terms of business set out the basis on which we will provide advisory portfolio services, associated financial services and advice to you. These terms of business are valid from 1st October 2013 until further notice. Please ensure that you read these terms thoroughly. If you have any queries, please feel free to contact us and we will endeavour to clarify matters for you. Henry Crummy Insurance Ltd trading as Efficient Financial has offices at:

  • Address: The Old Station House, 15A Main St, Blackrock, Co Dublin
    Phone number: +353 (0)1 685 9081
    E-mail address: john.traynor@efficientfinancial.ie
    Web site: www.efficientfinancial.ie

  • Address: 4 St. Mary’s Road, Arklow, Co Wicklow
    Phone number: +353 (0)402 32629
    E-mail address: harry.crummy@efficientfinancial.ie
    Web site: www.efficientfinancial.ie

Henry Crummy Insurances Ltd trading as Efficient Financial is regulated by the Central Bank of Ireland under the Investment Intermediaries Act 1995. As an Authorised Adviser, we will provide advice on the basis of a fair analysis of the whole marketplace for financial products. Efficient Financial can receive and transmit orders on your behalf for products from any of the product providers from which Efficient Financial holds a written letter of appointment. Efficient Financial has access to a wide range of product providers operating in the Irish market as well as internationally (see Appendix 1).

Our Authorised Status reference number is 1448.

We are authorised to provide investment advice on a broad basis. Included in the advice offered are the following regulated activities:

  • Units or Shares in undertakings for collective investment schemes including unit trusts and UCITS
  • Tracker Bonds
  • Insurance Policies
  • Personal Retirement Savings Account (PRSA’s)
  • Deposit Broker

We are not a tied agent for any of the above services.