Terms & Conditions – SPARK Personal Finance
Effective Date: 18/07/2025
1. Acceptance of Terms
By accessing or using this website, you agree to be bound by these Terms & Conditions. If you do not agree, please do not use the site.
2. Services Provided
SPARK Personal Finance provides:
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Financial calculators (for informational use only)
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Appointment booking for consultations
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Insurance and mutual fund advisory through certified licenses
All investment and insurance suggestions are based on individual consultation. We do not offer any guaranteed returns or financial products on this website.
3. Advisor Credentials
All advisory services are offered by Abhinav Ashtekar, who holds:
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IRDAI License (for Life and Health Insurance)
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AMFI Registration (for Mutual Fund Distribution)
These services are provided in compliance with Indian financial regulations.
4. No Guarantees
All tools and calculators are provided for educational and planning purposes only. Final decisions should be made after one-on-one consultations. Past performance is not indicative of future results.
5. Limitation of Liability
SPARK Personal Finance and its owner are not liable for any loss, damage, or risk arising from use of this website or reliance on its calculators or content.
6. Intellectual Property
All content, logos, and tools are the intellectual property of SPARK Personal Finance. Reproduction or use without permission is prohibited.
7. Governing Law
These terms are governed by the laws of India. Any disputes will be resolved in accordance with Indian jurisdiction.