Terms of use

Please read these terms and conditions (“terms”, “terms and conditions”) carefully before using www.efficientportfolio.co.uk website (the “service”) operated by Efficient Portfolio LTD (“us”, ‘we”, “our”).

Conditions of Use
We will provide their services to you, which are subject to the conditions stated below in this document. Every time you visit this website, use its services or mdifdf purchase, you accept the following conditions. This is why we urge you to read them carefully.
Privacy Policy
Before you continue using our website we advise you to read our privacy policy regarding our user data collection. It will help you better understand our practices.
Content published on this website (digital downloads, images, texts, graphics, logos) is the property of Efficient Portfolio LTD and/or its content creators and protected by international copyright laws. The entire compilation of the content found on this website is the exclusive property of Efficient Portfolio LTD, with copyright authorship for this compilation by Efficient Portfolio LTD.
The entire communication with us is electronic. Every time you send us an email or visit our website, you are going to be communicating with us. You hereby consent to receive communications from us. If you subscribe to the news on our website, you are going to receive regular emails from us. We will continue to communicate with you by posting news and notices on our website and by sending you emails. You also agree that all notices, disclosures, agreements and other communications we provide to you electronically meet the legal requirements that such communications be in writing.
Applicable Law
By visiting this website, you agree that the laws of the [your location], without regard to principles of conflict laws, will govern these terms and conditions, or any dispute of any sort that might come between Efficient Portfolio LTD and you, or its business partners and associates.
Any dispute related in any way to your visit to this website or to products you purchase from us shall be arbitrated by UK courts and you consent to exclusive authority and venue of such courts.
Comments, Reviews, and Emails
Visitors may post content as long as it is not obscene, illegal, defamatory, threatening, infringing of intellectual property rights, invasive of privacy or injurious in any other way to third parties. Content has to be free of software viruses, political campaign, and commercial solicitation.
We reserve all rights (but not the obligation) to remove and/or edit such content. When you post your content, you grant Efficient Portfolio non-exclusive, royalty-free and irrevocable right to use, reproduce, publish, modify such content throughout the world in any media.
License and Site Access
We grant you a limited license to access and make personal use of this website. You are not allowed to download or modify it. This may be done only with written consent from us.
User Account
If you are an owner of an account on this website, you are solely responsible for maintaining the confidentiality of your private user details (username and password). You are responsible for all activities that occur under your account or password.
We reserve all rights to terminate accounts, edit or remove content and cancel orders in their sole discretion.

The author and creator of this website used their best efforts in preparing this material. The author and creator make no representation or warranties with respect to the accuracy, applicability or completeness of the contents. They disclaim any warranties (expressed or implied), or merchantablilty for any particular purpose. The author and creator shall in no event be held liable for any loss or other damages, including but not limited to special, incidental, consequential, or other damages. The information presented in this website is compiled from sources believed to be accurate; however, the creator assumes no responsibility for errors or omissions. The information in this website does not represent and is not intended to replace or substitute professional advice. It is not intended to provide specific guidance for particular circumstances and it should not be relied on as the basis for any decision to take action or not to take action on any matter that it covers. The creator and publisher specifically disclaim any liability, loss, or risk that is incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this work.

This website is designed to provide information that the creator believes to be accurate on the subject matter it covers, but it is sold with the understanding that neither the creator is offering individualised advice tailored to any specific portfolio or to any individual’s particular needs, or rendering investment advice or other professional services such as financial, legal or accounting advice. A competent professional’s service should be sought if one needs expert assistance in areas that include investment, legal and accounting advice.

This publication references performance data collected over several years. Past results do not guarantee future performance. Edition performance data, in addition to laws and regulations, change over time which could change the status of the information in this book. This book provides solely historical data to discuss and illustrate underlying financial principles. Additionally this book is not intended to serve as the basis for any financial decision of a specific investment adviser,  or as an offer to sell or purchase any security. Only a prospectus may be used to offer to sell or purchase securities, and a prospectus must be read and consider carefully before one invests or spends money .

No warranty is made with respect or completeness of the information contained herein, and both the author and the creator specifically disclaim any responsibility for any liability, loss, or risk, personal or otherwise, which is incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this book full stop next paragraph in the text that follows many people’s names and identifying characteristics have been changed in order to protect their identities.