By visiting and using www.efficient-rates.com, you are accepting the practices described in this Privacy Policy and the terms and conditions of our Agreement of Terms of Use.


Cookie technology
"Cookies" are alphanumeric identifiers in the form of text files that are inserted and stored by your web browser on your computer's hard drive. efficient-rates.com may set and access cookies on your computer to track and store preferential information about you. efficient-rates.com gathers anonymous information about its users through cookie technology on an aggregate level only. Such aggregated information is used solely within the organization and is not shared with third parties.


Links to Other Websites
www.efficient-rates.com may include links to other third party websites. Such links are not an endorsement by efficient-rates of those websites and/or the products or services offered there. Third party websites may have different privacy policies and efficient-rates.com is not responsible for the privacy practices of those third party websites. If you click on a link to a third party website, we encourage you to check the privacy policy of that website, as it may differ substantially from that of this Privacy Policy.


Access and Use of www.efficient-rates.com
www.efficient-rates.com is intended to be accessed and used only by adults and is not directed to children under the age of 18.


Changes to this Privacy Policy
Efficient Frontier Capital Advisors reserves the right to update, amend and/or change this Privacy Policy at any time in its sole discretion and without notice. Updates to this Privacy Policy will be posted here.


Miscellaneous
If any portion of this Privacy Policy is deemed unlawful, void or unenforceable by any arbitrator, this Privacy Policy as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Privacy Policy that is unlawful, void or unenforceable shall be stricken from this Privacy Policy.

The headings contained in this Privacy Policy are for convenience of reference only, are not to be considered a part of this Privacy Policy, and shall not limit or otherwise affect in any way the meaning or interpretation of this Privacy Policy.
All covenants, agreements, representations and warranties made in this Privacy Policy, as may be amended by Efficient Frontier Capital Advisors Sdn Bhd from time to time, shall survive your acceptance of this Privacy Policy and the termination of this


Privacy Policy.
This Privacy Policy and the Agreement of Terms of Use located at the URL www.efficient-rates.com/disclaimer.htm represent the entire understanding and agreement between you and efficient-rates regarding the subject matter of the same, and supersede all other previous agreements, understandings and/or representations regarding the same.