Privacy

This Privacy Statement may be updated from time to time, so please ensure that you read it carefully each time you supply any data to us.

Data Protection

We're committed to keeping your customer data confidential and will process any information you give us in accordance with the Data Protection Act 1998. The Data Protection Act 1998 states that personal data must be processed fairly and lawfully. This means you have the right to know how we intend to use your personal data. You can then decide whether you want to provide the information.

Legal Identity

For the purposes of the Data Protection Act 1998, EFCIS Limited is the Data Controller of your data.

Collecting Information

Data collected via this web site may include your name, business name if appropriate, address, e-mail address, telephone number and details of your enquiries. The only information that you are obliged to enter is your name and telephone number. The other details are optional. Once you have inserted your details we will pass them to the provider of the product in which you are interested, so that they can send you relevant information or contact you about the product in question.

Marketing

In order to give you details of carefully selected products that we believe may interest you, we may ask your permission to e-mail you a regular newsletter. We will not do so without your consent.

Cookies

No cookies are currently in use.

Terms of Use

Welcome to EFCIS Limited (EFCIS) & ICBA ARC (Service)

Use of the Web Site, information, services, and content distributed through or in conjunction with the Web Site (collectively, the "Services").

By accessing and using the Services, or any of the information and/or content presented in any areas of the Services, you are acknowledging that you have read and agree to be bound by these Terms of Use, Privacy Policy, and other notices posted through the Services. You further warrant and covenant that you have the power and authority to enter into this agreement. If you do not acknowledge and agree with the above, you may not access or use the service or view the contents.

Once you have been granted access please refer to our terms and conditions and initial disclosure document and please do not hesitate to contact us should you wish to discuss the contents of these documents in greater detail.

BECAUSE THESE TERMS AND CONDITIONS OF USE IMPOSE LEGAL OBLIGATIONS UPON YOU, IT IS IMPORTANT THAT YOU READ THEM CAREFULLY.

EFCIS shall have the right, at its sole discretion, to modify, add, or remove any terms or conditions of these Terms of Use at any time ("Changes"). You will be notified of any Changes through a posting on the Web Site. Any Changes shall be effective immediately following the posting of such Changes (the "New Effective Date"). The most recent version of these Terms of Use may always be found on the website (terms of use). Terms of Use from time to time and agree that any subsequent use by you of the Services following the New Effective Date shall constitute your acceptance of all such Changes. If you do not agree to any or all of the Changes, you must stop using the Services immediately and notify EFCIS via e-mail at: enquiries@efcis.com. These Terms of Use were last modified on March 12, 2012.

Purpose of the Web Site and Services

The Web Site and Services are services made available by EFCIS. The information and/or content available in or on, or accessed or downloaded through or from, the Services ("Information And Content") are made available solely as a convenience to you for general informational purposes only and are not intended to provide specific commercial, financial, investment, accounting, tax, or legal advice. The Services and all Information and content is provided to you solely for your own personal use and not for purposes of resale, distribution, public display or performance, or any other uses by you in any form or manner whatsoever.

No Representation Regarding Content

EFCIS used commercially reasonable efforts to obtain the most accurate and timely information available which could be subject to rapid change. Due to various factors, including the inherent possibility of human and mechanical error, EFCIS does not guarantee the accuracy, authenticity, timeliness, reliability, appropriateness, correct sequencing, or completeness of any of the Information And Content. You agree that all risk associated with the use of, or reliance on, any of the Information And Content contained in the Services rests with you. You further agree that EFCIS shall not be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred as a result of, or in connection with your use of, or reliance on, any of the Information and Content.

Limited License & Permitted Uses

You are granted a non-transferable, non-exclusive, revocable license to:

  1. access and use the Services strictly in accordance with these Terms of Use;
  2. use the Services solely for internal commercial purposes, and;
  3. display, download, archive or print a single copy of any discrete Information And Content, or any information and/or content otherwise distributed by or from EFCIS, solely for internal purposes, provided that, in doing so, you do not further distribute, sell, or modify the Information and Content in any way, maintain all copyright and other notices contained therein, and you comply with the User Conduct and Obligations set forth herein (collectively, the "Permitted Uses").

    Except for the Permitted Uses contained in this limited license, nothing in these Terms of Use grants, or should be construed to grant, any licenses or rights, by implication, estoppels or otherwise, under copyright or other intellectual property rights. You agree that all right, title and interest (including all copyrights, trademarks, service marks, patents and other intellectual property rights) in the Services, and their Information and Content belong to EFCIS and/or its licensors, as applicable.

User Conduct and Obligations

Your license to access and use the Services is subject to the following restrictions and prohibitions on use ("User Conduct and Obligations"). You agree that you shall not:

  1. upload, post, transmit, share or otherwise make available through, or to, the Services any content that:
    1. is unlawful, abusive, threatening, harmful, obscene, lewd, offensive, defamatory, or otherwise objectionable;
    2. might infringe the intellectual property rights, privacy rights, rights of publicity, or other proprietary rights of others;
    3. might violate any United Kingdom or international law, or;
    4. contains any viruses, trojan horses, time bombs, cancel bots, or any other harmful or disruptive computer code, file, or program designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment;
  2. reproduce, copy, modify, distribute, market, display, transfer, sublicense, prepare derivative work(s) or adaptation(s) based on, sell, exchange, barter, transfer, or otherwise make available in any form or by any means, except for the express limited Permitted Uses, all or any portion of the Services or any Information And Content retrieved there from;
  3. disrupt, disable, place unreasonable burdens or excessive loads on, interfere with, or attempt to gain unauthorized access to any portion of the Services, or their computer systems, servers, or networks;
  4. provide false information about yourself to EFCIS, impersonate any other person, or otherwise attempt to mislead others about your identity, your affiliation with any person or entity, or the origin of any content, message, or other communication;
  5. upload, post, transmit, share, or otherwise make available any unsolicited or unauthorized advertising, solicitations, promotional materials, "junk mail", "spam", "chain letters", "pyramid schemes", or any other form of solicitation, bulk e-mail, or duplicative messages;

Remedies for Violations

EFCIS reserves the right to seek all remedies available at law and in equity for violations, or for suspected violations, of these Terms of Use, including but not limited to the right to block access from a particular IP address to the Services and their features.

License of Your Content to EFCIS

By uploading, posting, transmitting, sharing, or otherwise making available to the Services any content, or submitting any materials for use on the Services, you grant (or warrant that the owner of such rights has expressly granted) EFCIS or its designee, a perpetual, royalty-free, irrevocable, fully-paid, non-exclusive, worldwide right and license to use, reproduce, modify, adapt, publish, sublicense, translate, reformat, create derivative work(s) or adaptation(s) from, and distribute such materials or incorporate such materials into any form, medium, or technology now known or later developed throughout the world, in any manner otherwise than as stated in EFCIS Privacy Policy.

DISCLAIMER

THE SERVICES AND ALL INFORMATION AND CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. EFCIS, ITS AFFILIATES, AGENTS AND/OR SUPPLIERS, OFFICERS, DIRECTORS, AND EMPLOYEES EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THE RIGHTS OF THIRD PARTIES. EFCIS DICLAIMS ALL RESPONSIBILITY FOR, BUT NOT LIMITED TO, ANY LOSS, INJURY, CLAIM, LIABILITY, OR DAMAGE OF ANY KIND RESULTING FROM, ARISING OUT OF, OR ANY WAY RELATED TO:

  1. ANY ERRORS IN OR OMISSIONS FROM THE SERVICES AND THEIR INFORMATION AND CONTENT, INCLUDING BUT NOT LIMITED TO TECHNICAL INACCURACIES AND TYPOGRAPHICAL ERRORS;
  2. ANY THIRD PARTY WEB SITES OR THIRD PARTY APPLICATIONS SOFTWARE AND CONTENT, DIRECTLY OR INDIRECTLY, ACCESSED THROUGH HYPERTEXT LINKS IN THE SERVICES, INCLUDING BUT NOT LIMITED TO ANY ERRORS IN OR OMISSIONS THEREFROM;
  3. THE UNAVAILABILITY OF THE SERVICES, INFORMATION AND CONTENT, OR ANY PORTION THEREOF;
  4. YOUR USE OF THE SERVICES;
  5. PROBLEMS OR TECHNICAL MALFUNCTION OF ANY TELEPHONE NETWORK OR LINES, COMPUTER ON-LINE SYSTEMS, SERVERS, INTERNET ACCESS PROVIDERS, COMPUTER EQUIPMENT, SOFTWARE, OR ANY COMBINATION THEREOF, INCLUDING WITHOUT LIMITATION ANY INJURY OR DAMAGE TO YOUR, OR ANY OTHER PERSON'S, COMPUTER AS A RESULT OF USING THE SERVICES, OR;
  6. YOUR USE OF ANY EQUIPMENT OR SOFTWARE IN CONNECTION WITH THE SERVICES.

ALL WARRANTIES, TERMS AND CONDITIONS, EXPRESS OR IMPLIED BY STATUTE, COMMON LAW OR OTHERWISE, ARE EXCLUDED TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAWS. EFCIS DOES NOT REPRESENT OR WARRANT THAT SOFTWARE, INFORMATION AND CONTENT, OR MATERIALS IN THE SERVICES ARE ACCURATE, COMPLETE, RELIABLE, TIMELY, CURRENT, ERROR-FREE, OR OTHERWISE RELIABLE, OR THAT THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THEREFORE, YOU SHOULD EXERCISE CAUTION IN THE USE AND DOWNLOADING OF ANY SOFTWARE, INFORMATION AND CONTENT, OR MATERIALS AND USE INDUSTRY-RECOGNIZED SOFTWARE TO DETECT AND DISINFECT VIRUSES. AS A VISITOR TO THE SERVICES, YOU ACKNOWLEDGE AND AGREE THAT ANY RELIANCE ON OR USE BY YOU OF ANY INFORMATION AND CONTENT SHALL BE ENTIRELY AT YOUR OWN RISK.

YOU FURTHER ACKNOWLEDGE AND AGREE THAT IN NO EVENT SHALL EFCIS BE LIABLE FOR ANY LOSS, INJURY, CLAIM, LIABILITY, OR DAMAGE OF ANY KIND RESULTING FROM YOUR USE OF THE SERVICES. EFCIS SHALL NOT BE LIABLE FOR ANY SPECIAL, DIRECT, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER (INCLUDING, WITHOUT LIMITATION, LEGAL FEES AND COURT COSTS) IN ANY WAY DUE TO, RESULTING FROM, OR ARISING IN CONNECTION WITH: IT IS THE SOLE RESPONSIBILITY OF THE USER TO ENSURE THE ACCURACY, COMPLETENESS AND USEFULNESS OF THE CONTENTS AND TO VALIDATE THE ACCARACY OF THE INFORMATIONS HELD. IN THE EVENT THAT THE CONTENT NOT ACCURATE, COMPLETED OR RELEVANT PLEASE EMAIL enquiries@efcis.com WITH FULL DETIALS.

YOU GIVE EFCIS YOUR PERMISSION TO SHARE THE CONTENTS OF THE SERVICE WITH A NOMINATED THIRD PARTY ON RECEIPT OF YOUR WRITTEN CONSENT TO DO SO.

  1. THE USE OF OR INABILITY TO USE THE SERVICES, OR ANY INFORMATION AND CONTENT CONTAINED THEREIN;
  2. YOUR PARTICIPATION OR RELIANCE ON INFORMATION AND CONTENT POSTED ON MESSAGE BOARDS OR E-MAIL FORUMS, OR;
  3. ANY OTHER MATTER RELATING TO THE SERVICES AND/OR ANY INFORMATION AND CONTENT, REGARDLESS OF WHETHER ANY OF THE FOREGOING IS DETERMINED TO CONSTITUTE A FUNDAMENTAL BREACH OR FAILURE OF ESSENTIAL PURPOSE.

TO THE EXTENT THIS LIMITATION ON LIABILITY IS PROHIBITED, EFCIS SOLE OBLIGATION TO YOU FOR DAMAGES SHALL BE LIMITED TO £1.00.

Service Modifications

You acknowledge and agree that EFCIS reserves the right, in its sole discretion and at any time, to modify, change, add to, terminate, or discontinue (with respect to an individual user or all users) the Services and/or any associated services, Information And Content, or technical specifications with or without notice to you, and that EFCIS will not be responsible or liable, directly or indirectly, to you or any other person in any way for any loss or damage of any kind incurred as a result of, or in connection with, any such modification or discontinuance.

Privacy and Personal Information

Your use of the Services may require you to provide information about yourself. You acknowledge that you have read and agree to all of the terms and conditions.

Confidentiality and Transmissions over the Internet

The transmission of data or information (including communications by e-mail) over the Internet or other publicly accessible networks is not secure, and is subject to possible loss, interception, or alteration while in transit. Accordingly, EFCIS does not assume any liability for any damage you may experience or costs you may incur as a result of any transmissions over the Internet or other publicly accessible networks, including without limitation transmissions involving the exchange of e-mail with EFCIS containing your personal information. While EFCIS shall take commercially reasonable efforts to safeguard the privacy of the information you provide to EFCIS shall treat such information in accordance with EFCIS Privacy Policy, in no event will the information you provide to EFCIS be deemed to be confidential, create any fiduciary obligations to you on EFCIS part, or result in any liability to you on EFCIS part in the event that such information is inadvertently released by EFCIS or accessed by third parties without EFCIS consent.

Proprietary Rights

Services are the property of their respective owners. All content in the Services, including without limitation all programs, complied binaries, interface layout, interface text, documentation, and graphics, is the copyrighted property of EFCIS and is protected by international copyright law. The information and content may be used by you only for your personal commercial use as expressly provided for in the Permitted Uses and may not be taken out of context or presented in a misleading or discriminatory manner. Any rights not expressly granted to you are reserved by EFCIS.

Unlawful Activity

EFCIS reserves the right to investigate complaints or reported violations of these Terms of Use and to take any action EFCIS deems appropriate, including but not limited to reporting any suspected unlawful activity.

General

These Terms of Use incorporate by reference all notices and disclaimers contained in the Services, including but not limited to the Privacy Policy and, except for any agreements with EFCIS that expressly reference these Terms of Use (i.e. the End User Licensing Agreement), constitute the entire agreement between you and EFCIS with respect to access to, and use of, the Services. Except as specifically set forth herein, these Terms of Use supersede any prior agreements, including prior oral and/or written statements or representations not contained herein, between you and EFCIS relating to the Services. This agreement is not intended to create a partnership, joint venture or agency relationship between you and EFCIS.

If any provision of these Terms of Use is invalid, illegal or unenforceable in any respect under any applicable statute or rule of law, the provision shall be deemed omitted to the extent that it is invalid, illegal or unenforceable. In such a case, the remaining provisions of these Terms of Use shall be construed in a manner as to give greatest effect to the original intention of the parties hereto. EFCIS's failure to insist upon, or enforce, strict performance of any right or provision of these Terms of Use shall not constitute or be construed or deemed to be a waiver of such right or provision in the future or a waiver of any other right or provision under these Terms of Use. You agree that these Terms of Use, EFCIS's Privacy Policy and other notices posted through the Services have been drawn up in English. Although translations in other Jurisdiction and applicable law.

These terms of use agreement shall be governed by and constructed in all aspects in accordance with the laws of England, and each party submits to the exclusive jurisdiction of the English courts.

EFCIS limited is registered in England and Wales number 3497611 at The Office, Mill House Far, Mill Street, Hastingwood. Essex CM17 9JF.

Force Majeure

In addition to applicable disclaimers stated above, EFCIS's performance under these Terms of Use shall be excused in the event of interruption and/or delay due to, or resulting from, causes beyond its reasonable control, including but not limited to acts of God, acts of any government, war or other hostility, civil disorder, the elements, fire, flood, earthquake, explosion, embargo, acts of terrorism, power failure, equipment failure, industrial or labour disputes or controversies, acts of any third party data provider(s) or other third party information provider(s), third party software, or communication method interruptions.

Contact

If you have any questions or concerns about the Web Site, Services, or these Terms of Use, please feel free to contact us.