Terms of use



This website, www.efgroup.co.za is owned and operated by Efficient Group (Pty) Ltd (“Efficient Group”), a private company registered in the Republic of South Africa, registration number 2006/036947/07, with its business address at 81 Dely Road, Hazelwood, Pretoria, 0181. Efficient Group is a holding company of subsidiaries providing diversified financial services.


By using this website, you acknowledge that these Terms of Use (“Terms”) apply to you and that you have read and understood these Terms. We may amend these Terms from time to time, in which case the amended Terms will automatically apply. We recommend that you acquaint yourself with these Terms on a regular basis. This becomes effective when you access the website, and it governs our respective rights and obligations each time you access this website. Should there be a conflict between any provision contained in a hard copy of a document produced by Efficient Group, whether signed by Efficient Group or not, and any portion of the content contained on this website, or any document submitted by Efficient Group through this website, the provision contained in the hardcopy of the document produced by Efficient Group will prevail irrespective of whether the hardcopy of the document has already been produced or will be produced in the future.


These Terms will be governed and construed in accordance with the law of the Republic of South Africa without reference to any conflict of law provisions. All transactions and interactions conducted on this website shall be subject to South African law and only South African courts shall have jurisdiction to hear disputes arising from such transactions or from these Terms. This does not, however, restrict, or purport to restrict, your right to submit a complaint to any other body in terms of applicable law, including consumer and financial services laws which cannot be altered by contract.


Efficient Group will use all reasonable endeavours to provide you with continuous access to the website as well as error free information. Efficient Group cannot guarantee the security of this website. However, we will take reasonable measures to ensure the security and accuracy of the information published on this website. There will be periods when the website will be down for maintenance and/or software upgrades which may occur during office hours. Efficient Group will not be held liable for any loss incurred or suffered arising from any cause whatsoever as a result of any suspension or downtime of the website.


All information is provided; and should not be treated as professional or any other kind of investment advice. Please consult a financial advisor for any advice or information relating to our products. We do make use of the services of other organisations to provide information and to update this website. We do not have any control over this information, and we do not make any representations or warranties of any nature as to its accuracy, appropriateness, or correctness.

No information or content contained in this website should be interpreted as an offer.


In the event of a dispute as to the information or documents provided to us through the use of the website, Efficient Group will assume that the records maintained by Efficient Group are correct unless you are able to prove the contrary. You accept that Efficient Group will not be responsible and disclaims all liability for any claims arising due to technical or connectivity failures outside our control.


This website may be accessed using a mobile device and the Terms applies regardless of the manner of your access or chosen device or browser. Efficient Group is not responsible for the wireless services used by your mobile devices and disclaims any responsibility for the lack of functionality of any mobile device or software used to access this website.


We use cookie technology on our website. It helps the website to remember information about your device and how you use the website. You can set your browser to notify you when you receive a cookie giving you the chance to decide whether to accept it.


Your privacy is important to Efficient Group and will be treated in accordance with our Privacy Policy as published on this website and the Protection of Personal Information Act No. 4 of 2013.


Efficient Group accepts no liability whatsoever from you placing any reliance upon any information and/or data obtained from this website for any purpose. Use of this site is entirely at your own risk and you hereby assume full responsibility for using it and any resultant actual or potential consequences, losses and or damages.


You acknowledge and agree that we retain all copyright, website content and intellectual property rights made available through this website. All information displayed on the website is subject to the copyright of Efficient Group or its licensors. All trademarks, logos, and designs, whether registered or not, used on this website are those of Efficient Group and are protected by intellectual property laws. Your access to this website does not in any way convey or transfer any right in or to the intellectual property rights of Efficient Group. Unauthorised copying, reproduction, retransmission, distribution, dissemination, sale, publication, broadcast or other use, or exploitation of this material will constitute an infringement of such protection. The copyright and all other rights in the information in this website is owned by or licensed to Efficient Group. Access to and use of the website is subject to these Terms and all applicable laws. You are prohibited from copying, reproducing, modifying, distributing, republishing, displaying, posting, or transmitting any part of the website without our permission. You may view or print individual pages only for your own personal, non-commercial use provided you keep intact all copyright and other proprietary notices.


We will deal with any complaints and queries that you may have in line with our Complaints Policy. Should you have any complaints, please feel free to contact on complaints@efgroup.co.za


This website may contain hypertext links to websites on the internet which are operated by third parties. Visitors to our website are advised to use caution and discretion when searching or accessing such links. Under no circumstances do we take responsibility for the content and/or services or products offered on third party websites that may be linked to this website and we give no warranty or guarantee and make no representation in respect of such linked websites. Links to third party websites are provided only for your convenience and you remain solely responsible for complying with the terms and conditions applicable to such third-party websites.


Tel: +27 87 944 7999
E-mail: info@efgroup.co.za
81 Dely Road Hazelwood Pretoria 0081

1 AUGUST 2021