Terms and Conditions

In using this website you are deemed to have read and agree to the following Terms and Conditions:

The following terminology applies to these Terms and Conditions, Privacy Statement, Disclaimer Notice, Copyright Agreement and any or all Agreements:
"Client", "You" and "Your" refers to you, the person accessing this website and accepting the terms and conditions.
"The Developer", "Owner", "Me" and "I", refers to the owner of the website.
"Party", "Parties", refers to both the client and me.

All terms refer to the acceptance and consideration to undertake the process of assistance to the Client for the express purpose of meeting the clients’ needs in respect of the Owners stated services, in accordance with and subject to, prevailing Laws. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same.


Privacy Policy

EFNBE Commitment to Privacy
Your privacy is important to EFNBE. To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used.

The Information EFNBE Collects:
This notice applies to all information collected or submitted on the EFnBE website. On some pages, you can request information, quotes and send comments. The type of personal information collected on these pages includes:

  • Name
  • Email address
  • Message
  • Etc.

The Way EFNBE Uses Information:
EFNBE use your information purely to process your request. For example, we use return email addresses to answer the email we receive. Such addresses are not used for any other purpose and are not shared with outside parties.

Privacy Statement

Information collected
When you look at this web site, our web server makes a record of your visit and may log the following information for statistical purposes:

  • Your server address
  • Your top level domain name (for example .com, .gov, .au, etc...)
  • The pages you accessed and documents downloaded
  • The type of browser you are using.

Access to information collected
Our company will not make an attempt to identify users or their browsing activities. However, in the unlikely event of an investigation, a law enforcement agency or other government agency may exercise its legal authority to inspect our Internet Service Provider's logs.

Use of information collected
We will only record your e-mail address and other details if you send us a message. Your details will only be used for the purpose of providing you information regarding our services and our newsletter. They may be added to a mailing list in order to provide you with "hard copies" of information.

Updating this statement
EFNBE may update this privacy policy by posting a new version on this website.
You should check this page occasionally to ensure you are familiar with any changes.

Other websites
This website contains links to other websites.
EFNBE is not responsible for the privacy policies or practices of any third party.

Contact EFNBE
If you have any questions about this privacy policy or EFNBE treatment of your personal information, please write by email to policy@efnbe.com


About cookies

Cookies are information packets sent by web servers to web browsers, and stored by the web browsers. The information is then sent back to the server each time the browser requests a page from the server. This enables web servers to identify and track web browsers. There are two main kinds of cookies: session cookies and persistent cookies. Session cookies are deleted from your computer when you close your browser, whereas persistent cookies remain stored on your computer until deleted, or until they reach their expiry date.

Our EFNBE website uses the following cookies for the following purposes:

  • Administer this website
  • Personalize the website for you
  • Enable your access to and use of the website services
  • Send you marketing communications

Third party cookies
When you use EFnBE website, you may also be sent third party cookies.

Refusing cookies

Most browsers allow you to refuse or to accept cookies. In Internet Explorer, you can refuse all cookies by clicking “Tools”, “Internet Options”, “Privacy”, and selecting “Block all cookies” using the sliding selector. In Firefox, you can adjust your cookies settings by clicking “Tools”, “Options” and “Privacy”. In Google Chrome, you can adjust your cookies settings by clicking “Settings”, “Show Advanced Settings” and “Privacy”. Blocking cookies will have a negative impact upon the usability of some websites.

Ownership of copyright

The copyright in this website and the material on this website (including without limitation the text, computer code, artwork, photographs, images, music, audio material, video material and audio-visual material on this website) is owned by EFNBE [and its licensors].

Copyright license

EFNBE grants to you a worldwide non-exclusive royalty-free revocable license to:

  • view this website and the material on this website on a computer or mobile device via a web browser;
  • copy and store this website and the material on this website in your web browser cache memory; and
  • print pages from this website for your own [personal and non-commercial] use.

EFNBE does not grant you any other rights in relation to this website or the material on this website. In other words, all other rights are reserved.

For the avoidance of doubt, you must not adapt, edit, change, transform, publish, republish, distribute, redistribute, broadcast, rebroadcast or show or play in public this website or the material on this website (in any form or media) without EFNBE prior written permission.

Data mining

The automated and/or systematic collection of data from this website is prohibited.


You may request permission to use the copyright materials on this website by writing to copyright@efnbe.com

Enforcement of copyright

EFNBE takes the protection of its copyright very seriously.

If EFNBE discovers that you have used its copyright materials in contravention of the license above, EFNBE may bring legal proceedings against you seeking monetary damages and an injunction to stop you using those materials. You could also be ordered to pay legal costs.

If you become aware of any use of EFNBE copyright materials that contravenes or may contravene the license above, please report this by email to copyright@efnbe.com

Infringing material

If you become aware of any material on the website that you believe infringes your or any other person's copyright, please report this by email to copyright@efnbe.com


No warranties

This website is provided “as is” without any representations or warranties, express or implied. EFNBE makes no representations or warranties in relation to this website or the information and materials provided on this website.

Without prejudice to the generality of the foregoing paragraph, EFNBE does not warrant that:

  • this website will be constantly available, or available at all; or
  • the information on this website is complete, true, accurate or non-misleading.

Nothing on this website constitutes, or is meant to constitute, advice of any kind.

Limitations of liability

EFNBE will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:

  • to the extent that the website is provided free-of-charge, for any direct loss;
  • for any indirect, special or consequential loss; or
  • for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

These limitations of liability apply even if EFNBE has been expressly advised of the potential loss.


Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit EFNBE liability in respect of any:

  • death or personal injury caused by EFNBE negligence;
  • fraud or fraudulent misrepresentation on the part of EFNBE; or
  • matter which it would be illegal or unlawful for EFNBE to exclude or limit, or to attempt or purport to exclude or limit, its liability.


By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.

If you do not think they are reasonable, you must not use this website.

Other parties

You accept that, as a limited liability entity, EFNBE has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against EFNBE officers or employees in respect of any losses you suffer in connection with the website.

Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect EFNBE officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as EFNBE.

Unenforceable provisions

If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.