Terms of Business

These terms of business are valid from 1st January 2023 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 Limited trading as Efficient Financial is regulated by the Central Bank of Ireland as an Insurance Intermediary registered under the European Union (Insurance Distribution) Regulations 2018 ; as an Investment Intermediary authorised under the Investment Intermediaries Act, 1995 (as amended). As an Insurance and Investment Intermediary, we provide advice on the basis of a fair analysis of the whole marketplace for financial products. A copy of our firm’s statement of authorised status can be supplied on demand. Our Authorised Status reference number is C1448. 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 (listed below). The Central Bank of Ireland holds registers of regulated firms. You may contact the Central Bank of Ireland on (01)2245800 or alternatively visit their website at www.centralbank.ie to verify our credentials.

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)
  • Efficient Financial can also act as a Deposit Broker and give advice in relation to deposits

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