Privacy & Data Policy and Terms of Use for azadparivaar.in

This site is operated by FULFILU® Financial Planners Pvt. Ltd. You can contact us anytime via prateeksinghkumar@azadparivaar.in to unsubscribe or ask about our data policies, which are all below.

We, FULFILU® Financial Planners Pvt. Ltd., respect your privacy and want you to understand how we collect, use, and share data about you. By giving us your email or any personal information, with or without purchase, you agree to all the terms of the Privacy and Data Policy, and Terms of Use on this page. You shouldn’t use any of our sites or purchase any of our products if you don’t agree with this Privacy and Data Policy, the Terms of Use, or any other agreement that governs your use of our sites, services, or programs.

If you have any questions about these policies, terms of use, or wish to unsubscribe, you may contact us at:

PRATEEK SINGH
SEBI RIA | CFP® | CFA® | CWM®

SEBI Registration No. INA000020077

Type of Registration: Individual

Validity: 4th April 2025 – Perpetual

Registered Office: D-64, DGS Apartment, Plot 6, Sector 22, Dwarka, New Delhi - 110075

Correspondence Office: Office no. 9, 4th Floor, Sushma Infinium, Zirakpur, Chandigarh - 140603

Ph: +91 9818998252

Email: prateeksinghkumar@azadparivaar.in / prateek@fulfilu.com

Website: www.azadparivaar.in / www.prateeksinghkumar.in

PAN: HQZPS4460Q

Company Registered Office

FULFILU® Financial Planners Pvt. Ltd.

44, Backary Portion, 2nd Floor, Regal Building,

Connaught Place, New Delhi - 110001

The following PRIVACY AND DATA POLICY and TERMS OF USE are subject to change at any time, without notice, and at the sole discretion of the site owner and operator. Please visit the site regularly for updates.

PRIVACY AND DATA POLICY

These terms of use apply to your use of all of the sites and services owned, hosted, maintained, operated by, or affiliated with FULFILU® Financial Planners Pvt. Ltd. (collectively “we,” “us,” or “our”), including azadparivaar.com, azadparivaar.in, fulfilu.com, prateeksinghkumar.com, prateeksinghkumar.in and any other site that we have owned or operated, do own and operate or may own or operate in the future including social media sites (collectively, the “Sites”). Unless stated otherwise, all references to the “Sites”, “Site”, “site”, or “sites” in the terms on this page include all such Sites. All references to “websites” herein are in reference to unaffiliated and third-party websites. These terms of use do not apply to your use of unaffiliated or third-party websites to which any of our Sites may link or direct you.

We, FULFILU® Financial Planners Pvt. Ltd., collect your information and can be contacted anytime at prateeksinghkumar@azadparivaar.in. You can lodge any complaints with us via that same email, or request to be removed from our email lists, phone lists, or advertising targeting, too.

We are committed to protecting your privacy and security and have explained in detail the steps we take to do so. We control the Sites from offices in the NCT of Delhi and Chandigarh tri-city area in India. We do not represent that the materials on the Sites are appropriate or available for use in other locations. Persons who choose to access these Sites from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent that local laws are applicable.

When you submit information to us or visit any of our Sites, we use it in an ongoing nature to ensure you receive the information or purchases you’ve made with us, to deliver relevant future content via our email newsletters, to track how much you use our Sites or services, and to make future offers through our company or any other company that is involved in delivering your purchases, bonuses, or content. By giving us your contact information at any time, you are granting us the right to contact you in the future in any manner necessary, at our discretion, for ongoing personal and professional development. You can unsubscribe from our email newsletters at any time by clicking the unsubscribe link found at the bottom of all of our emails.

If you want us to no longer contact you or store your information, just write to us at prateeksinghkumar@azadparivaar.in, anytime, with your request and we will begin removing you from our services or content, as appropriate, and as soon as we can.

Outside Websites (Their Privacy Policies May Be Different)

Our Sites may contain links to other websites, like our sponsor’s websites or links to booksellers, that may offer products or services that our customers might find useful. These third-party websites may request information from you when you arrive. In such instances, the collection and use of your personal information will be governed by the privacy policy applicable to that website. We do not control the privacy policies, contents, or links that appear on these websites. We encourage you to review the privacy policies of any third-party websites or services before providing any of them with your personal information.

How and Why We Collect Information

We collect your email address when you submit it, and some limited Site information and behaviour, in order to record and support your participation in the activities you select or in order to contact you or advertise to you later. If you register for a seminar, for example, the information you give us – your phone number, email, and address – is used to reserve your seat, track your preferences, and keep you informed about the seminar and related personal development content, offers, and events until you unsubscribe or ask for your data to be removed. If you visit our Sites, we may use Facebook, Google, or other tracking tools to understand your behaviour on our Sites and to deliver advertising to you in the future.

As a visitor to our Sites, you can engage in many activities without providing any personal information. In connection with other activities, such as registering for a seminar, we may ask you to provide certain information about yourself by filling out and submitting an online form. It is completely optional for you to engage in these activities. If you elect to engage in these activities, however, we may ask that you provide us with personal information, such as your first and last name, mailing address (including ZIP code), e-mail address, telephone number, credit card information, and any other personal information we feel is applicable. If you do not provide the mandatory data with respect to a particular activity, you will not be able to engage in that activity. In all cases, we will collect personal identification information, like your email or phone number, only if you voluntarily submit such information to us. We will also tell you how we use your information or if we share it with another party.

Except as otherwise provided in this policy, we will never sell any personal identification information about you as an individual user to any third party without having received your permission. If you supply us with your contact information, you may receive periodic e-mails, mailings, or calls from us with information on new products and services, important issues, or upcoming events.

If you wish to be removed from any postal, email, phone, or other lists, please email us at prateeksinghkumar@azadparivaar.in. You can also write to us or call us at the contact information above. Please provide us with your exact name, email address, mailing address, and phone number. We will be sure your name is removed from the appropriate lists immediately.

When you use our Sites, we or our authorised technology services provider may also collect certain technical and routing information from you to facilitate your use of the Sites and their services or to contact you, or advertise in the future.

We use this information to administer the Sites and to understand and measure traffic patterns on the Sites. That way, we know which areas of our Sites are favourites of our users, which areas need improvement, and what technologies are being used, so that we may continually improve our Sites for mobile and future technical platforms. This information is collected mostly in aggregate form, without identifying you or any user individually. However, in some cases, we use tools like cookies, web beacons, analytics services, and advertising providers to gather data about you or your computer location. We may use this statistical data for statistical analysis, marketing, advertising, or similar promotional purposes. This data is often tracked by us our technology services provider by using “cookies” or “pixels” during your visit. A cookie is a small amount of data that is transferred to your browser by a web server and can only be read by the server that gave it to you. It functions as your identification card and enables us to record your passwords, purchases, and preferences and to deliver targeted messages or advertising to you in the future. It cannot be executed as code or deliver viruses. Most browsers are initially set to accept cookies. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether or not to accept it. For some web pages that require authorisation, cookies are not optional. Users choosing not to accept cookies will probably not be able to access those pages.

We also use Facebook “pixels” on many of our Sites so that we can understand your digital behaviour and potentially later target you with related advertising. We also use Google Analytics to understand how long you might spend on our Sites or how you interact with our Sites.

If you ever choose to opt out of targeted advertising with us, then please contact us at prateeksinghkumar@azadparivaar.in so that we can remove your email from any advertising we may use.

As always, you can unsubscribe from any of our emails at any time via the unsubscribe link at the bottom of the email you received from us.

We do not store any information about you on our servers, other than that which you submit into one of our forms, and in any case, we hold your sensitive information, like your credit card information, with software that keeps it encrypted. Any other information stored happens via cookies or pixels as described above, and as facilitated via third-party tools (like Facebook, or Google). Below are examples of how we may use any information to better communicate with you:

Provide and administer the services, including displaying customized content and facilitating communication with other users;
Process your requests and orders for courses, products, specific services, information, or features;
Communicate with you about your account by:
- Responding to your questions and concerns;
- Sending you administrative messages and information, including messages from instructors and teaching assistants, notifications about changes to our Service, and updates to our agreements;
- Sending you information and in-app messages about your progress in courses, rewards programs, new services, new features, promotions, newsletters, and other available courses (which you can opt out of at any time);
- Sending push notifications to your wireless device to provide updates and other relevant messages (which you can manage from the “options” or “settings” page of a mobile app);
Manage your account preferences;
Facilitate the Sites’ technical functioning, including troubleshooting and resolving issues, securing the services, and preventing fraud and abuse;
Solicit feedback from users;
Market and administer surveys and promotions
Learn more about you by linking your data with additional data through third-party data providers or analyzing the data with the help of analytics service providers;
Identify unique users across devices;
Tailor advertisements across devices;
Improve our Sites and develop new products, services, and features;
Analyze trends and traffic, track purchases, and track usage data;
Advertise the services on third-party websites and applications;
As required or permitted by law; or
As we, in our sole discretion, otherwise determine to be necessary to ensure the safety or integrity of our users, employees, third parties, the public, or our services.

When you submit information to us, then, we use it in an ongoing nature to ensure you receive the information or purchases you’ve made with us, to deliver relevant future content via our newsletters, and to make future offers through our company or any other company that is involved in delivering your purchases.

As most of our programs are for ongoing educational purposes in the field of personal development and fulfilment, you should assume we will continue to contact you in perpetuity via email or via social media in order to deliver our services, serve you related content, make recommendations, learn about your preferences, grant you products, deliver programs to you with or from other platforms or companies, advertise to you or lookalike audiences, send you surveys, and other fulfilment or marketing purposes.

By using our Sites and submitting any information with us, you agree to these terms without exception and agree to waive liability and not hold us liable for any use of your information, in perpetuity, under any circumstances, including waiving your right to participate or initiate any class action complaints.

Again, if you want us to no longer contact you, just write to us at prateeksinghkumar@azadparivaar.in, anytime with your request, and we will begin removing you from our services or content, as appropriate, and as soon as we can.

Exceptions to Privacy Policy

While we are committed to keeping your information secure and private, we have the following exceptions to our privacy policy: We will release specific information about you or your account to comply with any valid legal inquiry or process such as a search warrant, subpoena, statute or court order. We will also release specific information in special cases, such as if there is an attempted breach of the security of the Sites, or a physical or property threat to you or others. We may also transfer user information, including personally identifiable information, in connection with a corporate merger, consolidation, the sale of related assets or corporate division or other fundamental corporate change. Further, the information you enter when making a purchase or an online donation will be shared with payment processors, financial gateways, and your credit card company to authorize credit card payments. Such information may also be shared with necessary third parties solely for the purpose or carrying out the transactions. Please note that if you give out personal information online through a discussion board or posting site/website, that information can be collected and used by third parties. Although we strive to protect our users’ privacy, we cannot guarantee the security of the information you post in these forums. You disclose such information at your own risk.

Miscellaneous

These terms will be governed by and construed in accordance with the laws of India, without regard to any principles of conflicts of law. You agree that any action at law or in equity that arises out of or relates to these terms will be subject to mediation in New Delhi, India. If any of these terms of use are found unlawful, void, or for any reason unenforceable, then that provision will be considered severable from the remaining terms of use, and will not affect the validity and enforceability of the remaining provisions. These terms may be modified only by our posting of changes to these terms of use on our Sites.

Please read the following terms of use relating to your use of this Site, and all the Sites listed below, under our brand, carefully. By using these Sites, you agree to these terms of use. We reserve the right to modify these terms at any time, without notice, so please check this page periodically for changes. By using these Sites after we post any changes to these terms, you agree to accept those changes, whether or not you have reviewed them or been notified about them. If at any time you choose not to accept these terms of use, please do not use this Site or any of our other Sites.

Restrictions

The contents of our Sites, as well as any of our content on our affiliated Sites, are protected by copyright and trademark laws and are the property of their owners. You can not repost or resale any of our content without permission, as it is our protected or proprietary content and assets. AZAD PARIVAAR™, THE FULFILLMENT ADVENTURE™, Unleash your Full Human Potential (UFHP), Free Yourself from the Past (FY), Brain Failures (BF), and many of our courses and brands are owned by FULFILU® Financial Planners Pvt. Ltd. “Be JOYFUL, get busy SERVING Humanity, and become truly FULFILLED in the process”, is controlled by FULFILU® Financial Planners Pvt. Ltd., and all information on our Sites is copyrighted by the designee on the footer.

Unless otherwise noted, you may access and use the information and materials within the Sites for your personal use only. You may not change, modify, delete, display, transmit, adapt, exploit, or copy for distribution or sale any information, material, trademark, or copyright on the Sites, or any of our affiliated Sites. You must obtain written permission from us or any other entity that owns intellectual property on the Sites before you may publish, distribute, display, or commercially exploit any material from the Sites, and if you do not gain our written permissio,n you will be held liable for significant damages. By using the Sites, you agree to these restrictions and to abide by all copyright notices.

Links

These terms of use apply only to our Sites, and not to the websites of any other companies or organisations, including those we link to. We do not maintain, create, endorse, or take any responsibility for the contents, advertising, products or other materials made available through any other website, including those we link to. Under no circumstances will we be held responsible or liable, directly or indirectly, for any loss or damage that is caused or alleged to have been caused to you in connection with your use of any content, goods or services available on any other site. Other websites may link to our Sites by permission only. To seek our permission, you may contact us at the information above. We reserve the right to rescind any permission granted to you or any organisation in which we approve linking to our Sites, and to require termination of any such link to any of the Sites, at our discretion at any time.

Affiliate Links & Disclosures

If we use affiliate links, which are links to our partners or sponsors who pay us if you sign up or purchase from them, then we will tell you on the page we are linking to them from. Any action you take on another company’s site is up to you, and you are solely responsible for your actions and purchases with them. If we are paid by an affiliate, it does not cost you any extra – they are compensating us for driving traffic to them. Often, we are able to get you discounts and trials to companies we like; and we only recommend companies we like.

Events, Information, and Speaker Changes

The events, information, and speakers listed on our Sites are subject to change without notice.

Submissions

We welcome your comments about any of the Sites. However, we will not review or consider any unsolicited creative submissions or suggestions for topics at our seminars, within our newsletters, or for our products. We hope you will understand that this policy is intended to avoid the possibility of future misunderstandings in the event that ideas developed by our staff might seem to be similar to any ideas that were submitted to us. Accordingly, we must ask that you not send us any original creative ideas, suggestions, or materials. If despite our request, you send us any idea, suggestion, or material (“Submission”), it shall become our property. We will not be subject to any obligation of confidence for any Submission, and we will not be liable for any use or disclosure of any Submission. In the case that you submit something to us and it is unsolicited, we will exclusively own all rights to the Submission worldwide, and we will be entitled to the unrestricted use of the Submission for any purpose, without compensation or notification to the provider of the Submission. Given this fact, we ask that you refrain from submitting creative projects to us, particularly those that are confidential or personal to you.

Forums

A “forum” means any message board, chat room, user review forum, or other interactive service appearing on any of the Sites and includes both public boards and private folders. You must register in accordance with the instructions that you will find on the Sites in order to contribute to any forum. You may not post on any forum, or send to any other forum user or our staff, any material that is abusive, vulgar, threatening, harassing, libellous, defamatory, obscene, invades a person’s privacy, violates any intellectual or other property rights, or that would otherwise violate any law. You may not use any forum in a commercial manner. You may not post material that solicits funds, or that advertises or solicits goods or services. You may not post material known to be false. You may not post messages that contain stock touts. You may not post or transmit any information, software, or other material that contains a virus or other harmful component. We are not responsible for material appearing in any forum on the Sites, except for material signed by one of our identified representatives. We are not responsible for screening material posted by users for libel, obscenity, invasion of privacy, copyright or trademark infringement, accuracy, or for any other reason. We retain, however, the right to modify or remove messages or other material that we, in our sole discretion, consider infringing, offensive, abusive, defamatory, obscene, stale, or otherwise unacceptable. We also reserve the right to edit materials for any other reason. Whether or not we modify or remove such material, users remain solely responsible for the content of their messages or postings. By posting on the Sites, you grant (or warrant that the owner of such rights has expressly granted) us and/or relevant affiliated companies the worldwide, perpetual, nonexclusive right to use your questions, comments, and postings, in their original or edited form, in television programs, books, articles, commentaries, or in any other medium now known or later developed. You also warrant that you own or otherwise control all of the rights to the content you have posted and that the public posting and use of such content by us will not infringe on the rights of any third party. Additionally, you warrant that any “moral rights” in posted materials have been waived. You are not entitled to any compensation for any materials you may post on the Sites.

Registration

We may, at our discretion, suspend or terminate the registration of any forum user or general user who violates any of these terms of use, any of the forum member guidelines, or any other behaviour that we at our discretion believe is inappropriate.

Disclaimers

The information, services, products, claims, seminar topics, and materials on our Sites are provided “as is” and without warranties of any kind, either expressed or implied. We disclaim all warranties, expressed or implied, including but not limited to implied effectiveness of the ideas or success strategies listed on our Sites, as well as those that are provided in our products or to our participants at our events. The only exception is the guarantees of satisfaction and graduation that are clearly labelled guarantees within our Sites. Neither we nor any of our respective licensors or suppliers warrant that any functions contained in the Sites will be uninterrupted or error-free, that defects will be corrected, or that the Sites or the server that makes them available are free of viruses or other harmful components. Neither we nor any of our respective licensors or suppliers warrant or make any representations regarding the use or the results of the use of the services, products, information, or materials on the Sites in terms of their correctness, accuracy, reliability, or otherwise. You (and not we or any of our respective licensors or suppliers) assume the entire cost of all necessary servicing, repair, or correction to your system. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you. We do not endorse, warrant, or guarantee any speakers, products, or services offered on the Sites or those websites we link to. We are not a party to and do not monitor any transaction between users and third-party providers of products or services.

Limitation of Liability

Under no circumstances, including but not limited to negligence, will we, our affiliates, or any of our licensors or suppliers, be liable for any special or consequential damages that result from the use of, or the inability to use, the materials or information on the Sites, or any products or services provided pursuant to the Sites, even if advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability, or incidental or consequential damages (including but not limited to lost data), so the above limitation or exclusion may not apply to you. In no event shall the total liability to you by us, or any of our licensors or suppliers, for all damages, losses, and causes of action (whether in contract, tort, or otherwise) exceed the amount paid by you to us, if any, for accessing the Sites.

Under no circumstances will we be held responsible or liable, directly or indirectly, for any loss or damage that is caused or alleged to have been caused to you in connection with your use of any advice, goods, or services you receive from a guest speaker on our Sites or at one of our events.

We are also not responsible or liable for any loss or damage that is caused or alleged to have been caused to our guest speakers in connection with the display of their photo, name, or biography posted on our Sites or in our marketing materials.

SMS/Mobile Texting

When you become a customer through our Sites, you provide your phone number to us and we may use your phone number to confirm orders, deliver promised ongoing training or communication, and to send text updates, promotions, videos, audios, or messages related to AZAD PARIVAAR™, FULFILU® Financial Planners Pvt. Ltd., Prateek Singh Kumar or any of his brands, promotions or programs. You can opt out of receiving any future text messages by simply replying to any of our text messages at any time with the word STOP. By signing up for our products or programs you hereby grant us permission to text you until you reply STOP. We do not ever sell or rent your phone number and we only communicate with you regarding relevant AZAD PARIVAAR™ topics, programs, or events.

Non-Academic Institutions

Please note that our company, FULFILU® Financial Planners Pvt. Ltd., or any of our affiliate live event promotion companies, are not accredited academic institutions and do not issue diplomas or academic certifications or degrees. We do not accept student loans or provide student aid under any programs. We are a for-profit training and research centre for personal and professional development.

Parental Permission

The Sites are not directed to children under the age of 13 and we will not knowingly collect personally identifiable information from children under 13. We strongly recommend that parents participate in their children’s exploration of the internet and any online services, and use their browser’s parental controls to limit the areas of the internet to which their children have access. We may, at our discretion, require users under 18 to obtain the consent of a parent or guardian to view certain content, and we may limit access to certain content to users above a specified age. You agree to abide by any such restrictions, and not to help anyone avoid these restrictions.

Explicit Language & Mature Content

On our Sites, we will occasionally discuss mature topics and language relating to personal and professional growth that may use explicit language or “curse words.” Users who are uncomfortable with such topics or language should not use our Sites.

Confidentiality and Non-Compete

Users of our Sites, and our affiliated Sites, hereby understand that the tools, processes, strategies, materials, and information presented on these Sites are copyrighted and proprietary; so users agree not to record, duplicate, distribute, teach or train from our information in any manner whatsoever without our express written permission. Any unauthorized use or distribution of our Sites' proprietary concepts, materials, and intellectual property by you or your representatives is prohibited. We will pursue legal action and full damages if any of these terms are violated in order to protect these rights.

This page is subject to updates without notice.

Email prateeksinghkumar@azadparivaar.in with any questions.

LETTER OF ENGAGEMEENT

1. PARTIES TO THE AGREEMENT

This Letter of Engagement (‘LOE’) issued on the above-mentioned date, outlines the Investment Advisory Agreement (‘Agreement’) between me/us, PRATEEK SINGH SEBI RIA | CFP® | CFA® | CWM®, the Investment Adviser (‘IA’) and you, [# Entry: Client Name] having PAN: [# Entry], the Client, including the investment advisory services provided by me/us, also incorporating the terms and conditions specified by the Securities and Exchange Board of India (‘SEBI’).

The terms “IA” and “Client,” unless repugnant to the context or otherwise excluded, shall include their successors and permitted assigns. The IA and Client may be individually referred to as the ‘party’ and collectively as ‘parties’.

2. CONSENT OF THE CLIENT

The LOE is subject to your consent, indicating your agreement to the following statements.

I/We have read and understood the terms and conditions of Investment Advisory services provided by the IA, along with the fee structure and mechanism for charging and payment of fees. Based on my/our written request to the IA, an opportunity was provided by the IA to ask questions and interact with the person(s) associated with the investment advice.

3. DECLARATIONS FROM THE ADVISER

I/We shall neither render any investment advice nor charge any fee until you have signed this Agreement.

I/We shall not manage funds and securities on your behalf and shall only receive such sums of monies from you as are necessary to discharge your liability towards fees owed to me/us.

I/We shall not, in the course of performing my/our services to you, hold out any investment advice implying any assured returns/minimum returns/target returns or percentage accuracy or service provision till achievement of target returns or any other nomenclature that gives the impression to you that the investment advice is risk- free and/or not susceptible to market risks and/or that it can generate returns with any level of assurance.

4. FEES DISCLOSURE

The Fees specified under SEBI (Investment Advisers) Regulations, 2013 (‘IA Regulations’) and relevant circulars issued thereunder are mentioned in Schedule–A (MITC) Clauses 6–8 and the Fees charged to the Client are mentioned in Schedule–B, subject to this Agreement.

5. MITC

The standardized Most Important Terms and Conditions (MITC) for Investment Advisors, as issued by SEBI (or under its authority), mentioned in Schedule-A, shall form part of this Agreement, and shall be read along with it.

6. APPOINTMENT OF ADVISER

In accordance with the applicable laws, you hereby appoint me/us, the investment adviser, entirely at your risk, to provide the required services in accordance with the terms and conditions of the Agreement herein, as mandated u/r 19(1)(d) of the IA Regulations.

7. SERVICES AND FEES

In accordance with the permitted activities under the IA Regulations, I/We shall provide you, the service(s) described as in Schedule B. You agree to pay the applicable fees to me/us, for such service(s) as in Schedule B and subject to related terms as in such schedule, subject to this Agreement.

I/We, shall not be responsible for the advice given to you by other investment advisers. It is not part of my/our service to review the suitability of advice previously given to you, unless I/We have specifically agreed to do so.

8. IMPLEMENTATION OF ADVICE OR EXECUTION

I/We may provide implementation services to you subject to the provisions u/r 22A of IA Regulations and regulatory mandates. However, you shall not be under any obligation to avail such implementation services.

9. FUNCTIONS OF IA

The functions, obligations, duties and responsibilities of the IA (including principal officer and all persons associated with the investment advice) include the following, among others to discharge the Investment advisory services, subject to this agreement:

a. I/We shall act in a Fiduciary capacity towards you, at all times.

b. I/We shall follow Know Your Client (‘KYC’) procedure as specified by SEBI from time to time.

c. I/We undertake to abide by the Code of Conduct as specified in Third Schedule of the IA Regulations.

d. I/We shall ensure compliance with the certification and qualification requirements as specified u/r 7 of IA Regulations, at all times. These include the qualification and certification requirements for an individual IA or principal officer of a non-individual IA registered under the IA Regulations, as the case may be, and the persons associated with investment advice.

e. I/We shall ensure compliance with the IA Regulations and its amendments, rules, circulars and notifications.

f. I/We shall ensure compliance with the eligibility criteria as specified under the IA Regulations at all times.

g. I/We follow a set process of risk profiling, risk assessment and suitability analysis, as mandated u/r 16 and 17 of IA Regulations and other regulatory mandates, including your risk capacity and risk aversion.

h. I/We shall provide reports to my/our client on potential and current investments.

i. I/We shall maintain the records, as specified u/r 19(1) of IA Regulations and related books of accounts including client accounts and data.

j. I/We shall conduct yearly audit u/r 19(3) of IA Regulations, in respect of compliance with the IA Regulations.

10. INVESTMENT OBJECTIVE AND GUIDELINES

a. I/We shall provide investment advice in certain types of securities, including but not limited to Shares of Companies (Equity), Debentures, Bonds, Other Debt Instruments, Derivatives, Mutual Funds, Alternative Investment Funds (AIFs), Collective Investment Schemes (CIS), Real Estate Investment Trusts (REITs), Infrastructure Investment Trusts (InvITs), Commodity Derivatives, Listed Corporate Debt Instruments, Foreign Portfolio Investments (via FPIs). However, in case, any other types of securities are included in my/our investment advice, we shall inform you of the same.

b. I/We undertake to recommend direct implementation of advice i.e. through direct schemes/direct codes, and other client specifications/restrictions on investments, if any.

c. I/We shall adopt the financial plan or model or strategy as agreed with you (based on the risk profiling conducted for you, your total AUA and the time period for deployment), as the case may be.

d. I/We shall mutually along with you understand the tax-related aspects pertaining to investment advice, subject to you sharing your current tax situation and related pertinent matters, as the case may be.

11. RISK FACTORS

The Client agrees that it fully understands the risks associated with each type of investment, including the standard risks associated with each type of investment in Securities and Investment products. In case of lack of understanding or lack of clarity on the associated risk factors, you agree to ask me/us, for further information.

12. VALIDITY OF ADVISORY SERVICES

This Agreement shall be valid for a period of one year from the date of issue of this LOE and shall be renewed for a further period of one year, by mutual consent in writing, on such terms and conditions as may be agreed upon, either with or without amendments. The renewal shall be effected by the parties within one month after the expiry of the validity of the current agreement.

13. AMENDMENTS

The Agreement may be amended by mutual written consent of the parties. Either of the parties shall provide with thirty days written notice to the other, proposing the changes to this Agreement or with the proposed revised agreement, which may or may not be accepted by such other party.

In case of mutual acceptance of the proposed amendments, the same shall be effective, generally from the date of such mutual acceptance. However, on mutual agreement, such amendments may be held effective from the date of issue of this LOE or renewed date of the Agreement, whichever is later.

In case of any party, not accepting the proposed amendments, the same shall not be effective and the Agreement shall continue to be valid, subject to the Agreement herein. However, either of the parties, not agreeing to such proposed amendments, may proceed for termination, subject to the terms of termination, agreed herein.

14. TERMINATION

a. This Agreement may be terminated by the IA, without penalty, at any time, upon written notice of 30 days to the Client, of such intention to terminate.

b. This Agreement may be terminated by the Client, at any time, upon written notice of 30 days to the IA, of such intention to terminate. A total of a 6-month Advisory Fee or the Fee corresponding to the amount of time under agreement, whichever is higher, shall be charged in such a situation.

c. This Agreement may be terminated automatically, upon the final order of cancellation of the certificate of registration of the IA by SEBI.

d. In case of suspension of the certificate of registration of the IA by SEBI, the Agreement may be terminated by the Client at its option.

e. In case of any other action taken by other regulatory body (other than SEBI) or Government authority, which necessitates the termination of this Agreement, this Agreement may be terminated.

15. IMPLICATIONS OF AMENDMENTS AND TERMINATION

The amendment, termination, expiry of validity and assignment of this Agreement, as per terms contained herein, shall be without prejudice to any transactions already initiated, which shall be completed according to the Agreement herein, unless otherwise agreed in writing.

Upon termination or expiry of validity of this Agreement, the Client shall be immediately liable to pay for any transactions made or initiated prior to such termination or expiry of validity of this Agreement, all charges accrued to the client’s account and any fees outstanding as outlined in this Agreement or any agreement in place.

The fees and related terms in connection to such termination/expiry, shall be as in Schedule–B.

Upon termination or expiry of validity of this Agreement, the IA shall facilitate and provide necessary information and reports for smooth termination of services thereby handing-over or concluding as may be applicable, the transactions made or initiated prior to such termination or expiry of validity of this Agreement.

16. DISCLOSURES BY IA TO CLIENT

a. You agree that I/We have disclosed to you, all material information about myself/ourself including my/our business, disciplinary history, the terms and conditions on which I/We offer advisory services, affiliations with other intermediaries and such other information as is necessary to take an informed decision on whether or not to avail my/our services.

b. I/We may have holding or position in the financial products or securities which are subject matter of my/our advice to you and you agree to consent and permit for the same. In case, you need any confirmation or clarification or have any objection in my/our such holding or position, you shall notify me/us immediately.

c. I/We shall disclose to you, any actual or potential conflicts of interest arising from any connection to or association with any issuer of products/ securities, including any material information or facts that might compromise my/our objectivity or independence in the carrying on of investment advisory services.

d. I/We shall, while making investment advice to you, inform you of all material facts relating to the key features of the products or securities, particularly, performance track record.

e. I/We draw your attention to the warnings and disclaimers in documents, advertising materials relating to an investment product which I/We recommend to you.

f. I/We declare that I am/We are carrying on my/our activities independently, at an arms-length basis with my/our related parties, if any.

g. In case of any use of Artificial Intelligence (AI) tools for my/our investment advisory services, I/We shall be solely responsible for the security, confidentiality, and integrity of the client data, use of any other information or data to arrive at investment advice, investment advice based on output of AI tools and compliance with any law for the time being in force. Further, I/We shall disclose to you, from time to time, as may be applicable, the extent of use of AI tools in providing investment advice.

17. IA ENGAGED IN OTHER ACTIVITIES

In case of engaging in activities other than investment advisory services, I/We shall ensure that –

Arms-length relationship is maintained with IA services.
Clear segregation is maintained with IA services, in the manner prescribed under IA Regulations.
Any conflict of interest of IA services with other activities, are disclosed to you.

I/We shall ensure that, directly or through my/our family/group, I/We shall not provide distribution services to you, during the validity of the Agreement. In case you are receiving distribution services from me/us, directly or through my/our family/group, I/We shall not provide investment advisory services to you.

18. OTHER DECLARATIONS AND REPRESENTATIONS BY IA

a) I/We shall inform you, prior to undertaking any actions in relation to the securities or investment product advised by me/us and you agree to consent and permit for the same. In case, you have any objection in my/our undertaking such actions in relation to the securities or investment product advised by me/us, you shall notify me/us immediately.

b) I/We, the investment advisor, shall not enter into transactions on my/our own account which is contrary to my/our advice given to you for a period of fifteen days from the day of such advice.

Provided that during the period of such fifteen days, if I am/We are of the opinion that the situation has changed, then I/We may enter into such a transaction on my/our own account after giving such revised assessment to you at least 24 hours in advance of entering into such transaction.

You agree that the advice given to you is subject to a specific set of factors including the client-profile, risk-profile, goals, market conditions and others, and such set of factors differ for different persons including me/us. Therefore, you agree to consent and permit that I/We may enter into transactions on my/our own account which may be contrary to my/our advice given to you. In case, you need any confirmation or clarification or have any objection in my/our such transactions or holding or position, you shall notify me/us immediately.

c) I/We shall not act on my/our own account, knowingly to sell securities or investment products to or purchase securities or investment products from a client.

d) I/We shall not seek any power of attorney or authorizations from you, for implementation of any investment advice.

e) I/We shall disclose all conflicts of interest to you, as and when they arise and shall not derive any direct or indirect benefit out of your securities / investment products.

f) I/We shall ensure receipt of and maintenance of, all applicable approvals and consents, including regulatory, statutory, third party and corporate, as the case may be.

g) I/We shall not divulge any confidential information about you, which has come to my/our knowledge, without taking your prior permission, except where such disclosures are required to be made in compliance with any law for the time being in force.

You hereby agree, acknowledge, consent and permit to the processing and use of your confidential information including personal data and financial data, by me/us including my/our third party vendors, as far as it is necessary for the performance of my/our functions, obligations and responsibilities, towards providing services, herein.

19. DEATH OR DISABILITY OF CLIENT

The death / disability of the client shall not terminate or change the terms of agreement. However, in such case, the Agreement may be terminated by the IA, at its option.

To provide effective services subject to this Agreement, the IA shall be informed in writing about the client’s death / disability, along with relevant documentary proof of such death / disability. The client shall be entitled, by notice in writing to the IA, to nominate a nominee in its place as client, upon the death / disability of the client, subject to the terms of this Agreement.

20. DEATH OR DISABILITY OF IA

In the eventuality of the death/disability of the IA, the Agreement shall stand terminated. Accordingly, PRATYUSH SINGH having PAN: NBMPS3040E, Mobile: +91 9560909413 and Email: pratyush@azadparivaar.in, shall be considered as the “Obligor”, the person-in-charge, for the limited purpose of my/our Investment advisory services pertaining to this LOE, who shall take necessary steps, to ensure the protection of interest of the clients and redressal of clients’ claims, including but not limited to:

a) Notifying clients of the occurrence of the eventuality and confirming assumption of responsibility as Obligor,

b) Settlement of account with the client (fees payable and/or fees refundable),

c) Completion of the transition of any outstanding business to another duly registered IA, and

d) Redressal of any outstanding or new disputes/claims of clients.

21. OTHER DECLARATIONS AND REPRESENTATIONS BY CLIENT

a) You hereby agree to provide complete, accurate and relevant information, and cooperation, timely, at all times, to enable me/us, discharge my/our investment advisory services to you, subject to this Agreement and also enable me/us to comply with the regulatory mandates.

b) You hereby agree that, I/We, the IA shall not incur any liability by reason of any loss, which you may suffer by reason of any depletion in value of assets under advice, which may result by reason of fluctuation in asset value, or by reason of non-performance or under-performance of securities/funds or any market conditions.

c) You hereby agree to not divulge any confidential information about me/us, which has come to your knowledge, without taking my/our prior permission, except where such disclosures are required to be made in compliance with any law for the time being in force.

22. REDRESSAL / SETTLEMENT OF GRIEVANCES / DISPUTES

The parties hereto acknowledge and agree that the performances required by the provisions of this Agreement and the exercise of rights herein shall be undertaken in good faith, and with the parties dealing fairly with each other.

In case of any grievance/dispute, the same shall be redressed as per the mechanism described in Schedule A (MITC) Clause 12, and the regulatory mandates, including the timelines specified under SEBI circulars.

Your grievances pertaining to financial products in which investments have been made based on investment advice shall fall within the purview of the regulator of such financial product.

In the case of investment advice related to products or services not under the purview of SEBI – the client hereby declares and undertakes that such products/services and the services of IA in respect of such products/services do not come under regulatory purview of SEBI and no recourse is available to the client with SEBI for their grievances related to such products/services or services of IA in respect of such products/services

23. SEVERABILITY

In the event that any clause, portion, provision or part of the provision of this Agreement shall be held or made invalid, illegal, or otherwise unenforceable by a court decision, statute, rule or otherwise, the validity, legality, and enforceability of the remaining provisions herein shall in no way be affected or impaired thereby.

24. FORCE MAJEURE

I/We, shall not be liable for any delays or errors or failure to perform my/our functions and obligations under this Agreement, if the failure results from events beyond the reasonable control of the parties.

For the purpose of this Agreement, such events shall include, but not limited to, strikes, terrorist attacks, lock-outs, labour disputes, riots, civil disturbances, actions or inactions of government authorities, acts of civil or military authority, national emergencies, state emergencies, work stoppages, lockdowns imposed by Centre, State or District authorities or any authority, fire, flood, catastrophe, epidemics, pandemics, wars, embargoes, acts of God, insurrection, failure of technology or communication or power supply or other catastrophes.

In the event of equipment breakdowns beyond its control, I/We, shall take reasonable steps to minimize service interruptions but shall have no liability with respect thereto.

In case of such events, the time for performance required by the party under this Agreement shall be extended for such period during which performance is prevented by the event. The force majeure shall not prejudice or otherwise affect the other party’s rights or obligations that accrued on or before the date of occurrence of force majeure.

25. OBLIGATIONS OF PARTIES

Each of the parties agree to perform such further actions and execute such further agreements as are necessary to effectuate the purposes hereof.

26. GOVERNING LAW & JURISDICTION

The terms of this Agreement shall be governed by and construed in accordance with the laws of India and subject to the jurisdiction of the Courts in New Delhi, India.

27. COUNTERPARTS

The parties agree that this Agreement may be executed in one or more counterparts, each of which shall be deemed as original and all of which shall constitute a single agreement.

The parties, hereto have hereunto set and subscribed their respective hands, on the date, month and year first above mentioned.

Name of Client:

Signature of Client:

PRATEEK SINGH

SEBI Registered Investment Adviser

CFP® | CFA® | CWM®

Signature of Adviser:

Schedule–A

Most Important Terms and Conditions (MITC)

In accordance to SEBI Circular No. SEBI/HO/MIRSD/MIRSD-PoD/P/CIR/2025/19 dt. February 17, 2025 and further updated by SEBI Circular No. SEBI/HO/MIRSD/ MIRSD-PoD/P/CIR/2025/48 dt. April 2, 2025.

The Investment Adviser (IA) shall only accept payments towards its fees for Investment Advisory Services and is not permitted to accept funds or securities in its account on the client’s behalf.
The IA does not guarantee returns, accuracy, or risk-free investments. All advice is subject to market risks, and there is no assurance of any returns or profits.
Any assured/guaranteed/fixed returns schemes or any other schemes of similar nature are prohibited by law. No scheme of this nature shall be offered to the client by the IA.
Investment advice, only related to securities shall fall under the purview of SEBI. In case of any services offered by IA related to products/services not under the purview of SEBI, IA shall make disclosure to the client and take appropriate declaration and undertaking from the client that such products/services and the services of IA in respect of such products/services do not come under regulatory purview of SEBI and that no recourse is available to the client with SEBI for grievances related to such products/services or services of IA in respect of such products/services.
This Agreement is for the investment advisory services provided by the IA and IA cannot execute/carry out any trade (purchase/sell transaction) on behalf of the client without his/her/its specific and positive consent on every trade. Thus, the client is advised not to permit IA to execute any trade on his/her/its behalf without explicit consent.
The fee charged by IA to the client will be subject to the maximum of amount prescribed by SEBI/Investment Adviser Administration and Supervisory Body (IAASB) from time to time (applicable only for Individual and HUF Clients).

Note:

(i) The current fee limit under Fixed Fee mode is Rs 1,51,000/- per annum per family of client. Under Assets under Advice (AUA) mode, maximum fee limit is 2.5 per cent of AUA per annum per family of client.

(ii) The IA may change the fee mode at any time with the client’s consent; however, the maximum fee limit in such cases shall be higher of fee limit under the fixed fee mode or 2.5 per cent of AUA per annum per family of client.

(iii) The fee limits do not include statutory charges.

(iv) The fee limits apply only for investment advice related to securities under purview of SEBI.

(v) The fee limits do not apply to a non-individual client / accredited investor.

7. IA may charge fees in advance if agreed by the client. Such advance shall not exceed the period stipulated by SEBI; presently it is maximum one year. In case of pre- mature termination of the IA services by the client or the IA, the client shall be entitled to seek refund of proportionate fees only for unexpired period. However, IA is entitled to retain a maximum breakage fee of not greater than one-quarter fee.

Note: These fee related provisions do not apply to a non-individual client / accredited investor.

8. Fees to IA may be paid by the client through any of the specified modes like cheque, online bank transfer, UPI, etc. Cash payment is not allowed. Optionally the client can make payments through Centralized Fee Collection Mechanism (CeFCoM), managed by BSE Limited (i.e. currently recognized IAASB).

9. The IA is expected to know the client’s financial details for providing services. Hence, the client is required to share the financial information (e.g. income, existing investments, liabilities, etc.) with the IA.

10. The IA is required to carry out the client’s risk profiling and suitability analysis before providing services and thereafter on an ongoing basis. The services provided will be in line with the assessed risk profile. IA shall also communicate the assessed risk profile to the client.

11. As part of conflict of interest management, the client or the client’s family members will not be provided any distribution services by IA or any of its group entity/ family members. IA shall, wherever available, advice direct plans (non-commission based) of products only.

The IA shall endeavor to promptly inform the client of any conflict of interest that may affect the services being rendered to the client.

12. For any grievances,

Step 1: The client should first contact the IA using the details on its website.

Step 2 : If the resolution provided by IA is unsatisfactory, the client can lodge grievances through SEBI’s SCORES platform at www.scores.sebi.gov.in

Step 3: If the client remains dissatisfied with the outcome of the SCORES complaint, the client may consider the Online Dispute Resolution (ODR) through the Smart ODR portal at https://smartodr.in

13. The SEBI registration, enlistment with IAASB, and NISM certification do not guarantee the performance of IA or assure returns to the client.

14. Clients are required to keep contact details, including email id and mobile number/s updated with the IA at all times.

15. The IA shall never ask for the client’s login credentials and OTPs for the client’s Trading Account, Demat Account and Bank Account. Never share such information with anyone including IA.

Schedule–B

IA Services and Fees

In accordance with the permitted activities under the IA Regulations, I/We shall provide you, the service(s) described below. The following also contains the applicable fees payable by the Client for such service(s) mentioned herein.

1. INTRODUCTION

I am/We are engaged in the business of providing comprehensive investment advisory, education & coaching, including financial planning and wealth management services aligned to your most important goals and deeply held values.

I/We take the time to fully establish your objectives, what it is about money that is most important to you and how much risk you are willing and able to accept. I/We then set about recommending/creating a plan to offer you the best prospects for success.

2. DESCRIPTION OF SERVICE(S)

I/We provide the following services, described in detail below, along with the applicable fees and related terms.

a. ✨ Financial F.R.E.E.D.O.M. Seminar (FFS) ✨

Busting the Myths about Investment Management & Financial Planning
Understanding the Indian & Global Financial Industries and How They Work
Understanding the True Meaning of Financial Freedom for You
Calculating your Financial Freedom Number & Image

b. ✨ Financial F.R.E.E.D.O.M. Program (FFP) | AZAD PARIVAAR® Package ✨

Financial F.R.E.E.D.O.M. Program (2-Day LIVE)
Create Your Customized Investment Plan (IP) with us LIVE.
AZAD PARIVAAR® Video Bundle - 12-Month Learning with PDF’s
Free Access to Financial F.R.E.E.D.O.M. Seminar until you attend the FFP.
3 Recorded MasterClasses → 1st MC is ‘Post F.F.P. Implementation MasterClass'

c. ✨ Financial F.R.E.E.D.O.M. Coaching & Advisory (FFCA) | FREEDOM Package ✨

Preparation & Complete Implementation of your Financial Wealth Plan (FWP) through 12 LIVE Online 1-on-1 Advisory Consultations with Your AZAD PARIVAAR® Financial Advisory Team
12 Must-Do Attached Recorded Trainings for FFCAdvisory (upon request)
20 Can-Do Recorded Trainings for Knowledge Building (upon request)
12 Monthly LIVE HOLISTIC MasterClasses for Financial Freedom through Holistic Living in the 21st Century (upon request)
Final - Financial Wealth Plan (F.W.P.) - in Physical Form - delivered to your Doorstep at the end of the 1-Year Membership Period
Complete Access to our Financial Advisory Team via Digital Channels (throughout the 1-Year Membership Period in Business Hours)
Complete Access to the Financial FREEDOM Program (FFP) across your 1-Year Membership Period

d. ✨ Comprehensive Investment Plan Creation (IP) (1-time) ✨

Creation of a Comprehensive Investment Plan (IP) for Your Family, taking into consideration your Cash Flow Budgeting, Net-Worth Analysis, Current Asset Allocation, Risk Profiling, Ratio Analysis, Financial Goals Planning and Basic Loan Analysis.

e. ✨ Comprehensive Financial Plan Creation (FP) (1-time) ✨

Creation of a Comprehensive Financial Plan (FP) for Your Family, taking into consideration your Cash Flow Budgeting, Net-Worth Analysis, Current Asset Allocation, Risk Profiling, Ratio Analysis, Financial Goals Planning and Basic Loan Analysis, Insurance Needs Analsyis (INA) , Basic Tax Analysis Plan (TAP) , Gratitude Sheet.

f. ✨ Crisis Financial Plan Creation (CFPC) ✨

Creation of a Crisis Financial Plan (FP) for Your Family, taking into consideration your Cash Flow Budgeting, Net-Worth Analysis, Current Asset Allocation, Risk Profiling, Ratio Analysis, Financial Goals Planning and Basic Loan Analysis, Insurance Needs Analsyis (INA) , Basic Tax Analysis Plan (TAP) , Gratitude Sheet.
Cater to Your Urgent Financial Planning & Advice Requirement coming from an expert

3. FEES STRUCTURE / MECHANISM

a. ✨ Financial F.R.E.E.D.O.M. Seminar (FFS) ✨

Fixed Fee - ₹ 199/- for 1 Ticket
Charged each time you attend
Payment in Advance (at the time of booking)

b. ✨ Financial F.R.E.E.D.O.M. Program (FFP) ✨

Fixed Fee - ₹ 19,997/- for 1 Ticket
Charged each time you attend
Payment in Advance (at the time of booking)

c. ✨ Financial F.R.E.E.D.O.M. Coaching & Advisory (FFCA) ✨

AUA-based Fee - 1.25% of Assets under Advice (AUA)
Charged Annually
Payment in Advance (Beginning of the Membership Period | Within 21 Days of Booking)
Service Period is 12 Months from the beginning of the service.

d. ✨ 1-time Investment Plan Creation (IPC) ✨

Fixed Fee - ₹ 34,997/- for 1 Plan
Charged each time a fresh plan is prepared
Payment in Advance (at the time of booking)

e. ✨ 1-time Financial Plan Creation (FPC) ✨

Fixed Fee - ₹ 49,997/- for 1 Plan
Charged each time a fresh plan is prepared
Payment in Advance (at the time of booking)

f. ✨ Crisis Financial Plan Creation (CFPC) ✨

Fixed Fee - ₹ 19,997/- for 1 Plan
Charged each time a fresh plan is prepared
Payment in Advance (at the time of booking)

Note:

(i) The fees quoted are exclusive of taxes, which shall be levied additionally as per the rates in force.

(ii) The IA shall be eligible for the collection of fees in advance, at the discretion of the IA, and the same shall be subject to the regulatory mandates applicable from time to time.

4. FEES DETERMINATION ILLUSTRATION

✨ Financial F.R.E.E.D.O.M. Coaching & Advisory (FFCA) ✨

AUA-based Fee - 1.25% of Assets under Advice (AUA)
Charged Annually
Payment in Advance (Beginning of the Membership Period | Within 21 Days of Booking)
Service Period is 12 Months from the beginning of the service.

Let’s say Mr. Bannerjee & his Family have a Combined Total Net-Worth of Rs. 12.5 Cr.

Out of which, Rs. 2.5 Cr is the value of their Personal Assets like Personal Home etc.

This means that their Financial Net-Worth is Rs. 10 Cr.

Now, they approach the ‘AZAD PARIVAAR™’ Advisory Team to take on their Comprehensive & Integrated Financial Planning & Wealth Management, i.e. complete hand-holding by a Registered Investment Advisor for the entire year.

Total Financial Net-Worth = Total Assets under Advice (AUA) = Rs. 10 Crore

AZAD PARIVAAR™ Advisory Fee (Annual) = 1.25% of AUA = 1.25% of Rs. 10 Crore

= Rs. 12,50,000/- + GST (for 12-month Advisory period)

Email prateeksinghkumar@azadparivaar.in with any questions.

PRATEEK SINGH
SEBI RIA | CFP® | CFA® | CWM®

SEBI Registration No. INA000020077