Terms of Use

Terms of Use
PRATEEK SINGH (Trade Name: AZAD PARIVAAR™) | SEBI Registered Investment Adviser
Effective Date: April 27, 2026

Last Updated: May 21, 2026

 
1. Acceptance of Terms
These Terms of Use ("Terms") govern your access to and use of the website www.azadparivaar.com ("the Website") and any related services, communications, and engagements operated by Prateek Singh under the trade name AZAD PARIVAAR™ ("we," "us," "our," or "the Adviser").
By accessing the Website, submitting an application, or engaging us in any advisory capacity, you ("you," "user," "applicant," or "client") agree to be bound by these Terms in their entirety. If you do not agree with any part of these Terms, you must not use the Website or our services.
 
2. About Us
Prateek Singh is registered with the Securities and Exchange Board of India ("SEBI") as an Individual Investment Adviser. The trade name AZAD PARIVAAR™ is the brand under which advisory services are offered.
SEBI Registration Number: INA000020077 BSE Enlistment Number: 2254 Type of Registration: Individual Investment Adviser Validity: Perpetual (subject to payment of applicable fees) Regulator: Securities and Exchange Board of India (SEBI) Governing Regulations: SEBI (Investment Advisers) Regulations, 2013, and circulars issued thereunder
Registered Address: D-64, DGS Apartment, Plot 6, Sector 22, Dwarka, New Delhi, National Capital Territory of Delhi - 110075, India
 
Email: prateek@azadparivaar.com Grievance: grievance@azadparivaar.com SEBI Verification: Search for "Prateek Singh" under Investment Advisers at www.sebi.gov.in
 
3. Eligibility to Use Our Services
Use of the Website and our advisory services is restricted to:

• Individuals aged 18 years or above

• Persons with legal capacity to enter into binding contracts under Indian law

• Indian residents and Non-Resident Indians (NRIs) for whom we are permitted to provide services under applicable law

• Applicants whose financial profile, objectives, and circumstances align with our advisory model

We operate on an application-only basis and reserve the absolute right to accept or decline any application without assigning reasons.
We do not provide services to:

• Persons of Unsound Mind

• Persons subject to regulatory disqualification

• Politically Exposed Persons (PEPs) where engagement would create reputational or compliance conflicts

• Any person whose engagement would conflict with our fiduciary obligations
   

4. Nature of Services
We offer two structured advisory engagements:
 
4.1 Wealth & Legacy Diagnostic
A one-time, fee-based 90-minute structured review of your financial architecture, delivered via video conference, with a written Investment Plan & Roadmap (IP&R) document as the deliverable.
 
4.2 AZAD PARIVAAR™ ELITE
An ongoing annual advisory retainer providing comprehensive fiduciary investment advice, financial planning, asset allocation, behavioural advisory, estate planning coordination, and quarterly strategic reviews.
The specific scope, fees, deliverables, and obligations of each engagement are governed by the Letter of Engagement (LOE) executed between you and the Adviser. The LOE prevails over these Terms in the event of any conflict relating to your specific engagement.
We are a fee-only Adviser. We do not:

• Sell or distribute any financial product

• Receive commissions, referral fees, or incentives from any product manufacturer or distributor

• Earn revenue from any party other than the client paying our advisory fee
   

5. No Investment Advice via the Website
The Website is provided for informational purposes only. Nothing on the Website constitutes:

• Investment advice

• A recommendation to buy, sell, or hold any security

• An offer or solicitation to provide investment advisory services

• A guarantee of any financial outcome, return, or performance
   

Investment advice is delivered exclusively to clients who have:

1. Submitted a complete application form

2. Been accepted into an engagement

3. Executed a Letter of Engagement

4. Completed onboarding requirements (KYC, risk profiling, financial questionnaires)

5. Paid the applicable fee
    

Until each of these steps is complete, no advisory relationship exists between you and the Adviser, regardless of any communication or interaction that may occur.
 
6. Application Process and Acceptance
We use a structured application process to ensure mutual fit between client and Adviser. Submission of an application form does not create any obligation on our part to:

• Accept the application

• Schedule any session

• Provide any service
   

We may decline applications without assigning reasons. Where an application is accepted, the engagement commences only upon execution of the Letter of Engagement and receipt of the applicable fee.
 
7. Fees
Specific fees for each engagement are disclosed during the application and onboarding process and are formally stated in the Letter of Engagement.

Our fee structure is:
 

• Fee-only: No commissions, referral fees, or product-linked incentives

• Disclosed in advance: Stated clearly before any obligation is undertaken

• GST applicable: As per prevailing tax law

• Subject to revision: Fees may be revised from time to time, with prior notice to active clients
   

Fees once paid are non-refundable except in circumstances expressly provided in the Letter of Engagement.
 
8. Risk Disclosure and Disclaimers
You acknowledge and agree that:
 

• Investments in securities markets are subject to market risks. You must read all related documents carefully before investing.

• Past performance of any investment strategy, model portfolio, or asset class is not indicative of future performance.

• All investment decisions are taken by you, the client, based on the advice provided. The Adviser does not guarantee any specific outcome, return, capital protection, or financial result.

• The advisory relationship is non-discretionary by default. We provide advice; you execute. We do not handle, custody, or have access to client funds or securities.

• Tax laws, regulatory requirements, market conditions, and economic environments may change, and such changes may affect the suitability of any advice.

• The Adviser is not liable for losses, damages, or shortfalls arising from market movements, adverse economic events, regulatory actions, taxation changes, or third-party actions.
   

9. SEBI Regulatory Disclosure
In accordance with SEBI (Investment Advisers) Regulations, 2013, and applicable circulars:
 
Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors. Investments in securities market are subject to market risks. Read all related documents carefully before investing.
The Adviser is enlisted as a member of the BSE Administration & Supervision Limited (BASL) under enlistment number 2254.
 
10. Use of Artificial Intelligence
The Adviser may use artificial intelligence tools, including but not limited to Claude (Anthropic), for research, drafting, documentation, and operational efficiency. AI tools serve as productivity aids only. All advisory recommendations, final deliverables, and professional judgments are the personal responsibility of the SEBI Registered Investment Adviser. AI tools do not, and cannot, replace fiduciary judgment.

Where client-specific information is processed using AI tools, reasonable de-identification or anonymisation measures are applied, and such use is consistent with the privacy commitments published by the relevant AI provider.
 
11. Intellectual Property
All content on the Website, including but not limited to text, images, graphics, logos, frameworks, methodologies, signature concepts ("All-Weather Portfolio for India," "A.Z.A.D. Wealth Architecture," "Wealth Architect," "Liquidity is Freedom," "10 Commandments of Wealth"), document templates, the Investment Plan & Roadmap structure, and the trademark AZAD PARIVAAR™, is the exclusive intellectual property of Prateek Singh, protected under Indian and international copyright, trademark, and intellectual property law.

You may not:

• Reproduce, copy, distribute, transmit, or display any content from the Website without prior written consent

• Use any of our trademarks, branding, methodology names, or signature concepts in any commercial or public context

• Reverse engineer, decompile, or extract the structure of any deliverable provided to you

• Pass off our work as your own
   

Limited personal, non-commercial use of publicly available content for personal reference is permitted. All other rights are reserved.
 
12. User Conduct
When using the Website or engaging with us, you agree not to:
 

• Provide false, misleading, or fraudulent information

• Impersonate any person or entity

• Use the Website to violate any law, regulation, or third-party right

• Introduce viruses, malware, or harmful code

• Attempt to gain unauthorised access to any portion of the Website or our systems

• Use automated systems (bots, scrapers, crawlers) to extract data from the Website

• Engage in conduct that disrupts the Website or harms other users

• Use any communication channel provided by us for purposes other than the intended advisory engagement
   

We reserve the right to terminate access, decline future engagements, and pursue legal remedies for any violation.
 
13. Third-Party Links and References
The Website may contain links to third-party websites, including but not limited to SEBI, BSE, regulatory authorities, payment processors, and service providers. These links are provided for convenience and reference only.
We do not control, endorse, or assume responsibility for the content, privacy practices, or operation of any third-party website or service. Your interaction with any third-party website is at your own risk and subject to that party's terms.
 
14. Limitation of Liability
To the maximum extent permitted by applicable law:

• The Adviser shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including but not limited to loss of profit, loss of opportunity, or loss of goodwill

• The Adviser's total aggregate liability arising out of any engagement shall not exceed the fees paid by the client to the Adviser in the twelve months preceding the event giving rise to the claim

• The Adviser is not liable for any technical failures, downtime, or interruption of third-party services beyond our reasonable control

• The Adviser is not liable for the actions, omissions, or solvency of any third-party product manufacturer, distributor, custodian, or platform with which the client transacts
   

These limitations do not apply to liability that cannot be excluded under applicable law (such as gross negligence, wilful misconduct, or breach of regulatory obligations).
 
15. Indemnification
You agree to indemnify, defend, and hold harmless Prateek Singh, AZAD PARIVAAR™, and any affiliated personnel from any claim, demand, loss, damage, cost, or expense (including reasonable legal fees) arising from:
 

• Your breach of these Terms

• Your violation of any law or third-party right

• Information you provide that is false, misleading, or incomplete

• Your misuse of any deliverable, framework, or content provided by us
   

16. Termination
We may suspend or terminate your access to the Website or any engagement at any time, with or without notice, if:

• You violate these Terms or the Letter of Engagement

• Continued engagement creates a regulatory, ethical, or fiduciary conflict

• You fail to provide accurate KYC, risk profiling, or financial information

• You engage in conduct inconsistent with the principles of our advisory model
   

Termination of an engagement is governed primarily by the terms of the Letter of Engagement. Termination obligations regarding fee, data return, and confidentiality survive termination.
 
17. Governing Law and Jurisdiction
These Terms, the Letter of Engagement, and any dispute arising out of or relating to your use of the Website or our services shall be governed by and construed in accordance with the laws of India, including the SEBI (Investment Advisers) Regulations, 2013.
The courts at New Delhi, India shall have exclusive jurisdiction over any dispute, subject to the dispute resolution mechanism described in Section 18.
 
18. Dispute Resolution and Grievance Redressal
If you have a grievance or dispute, please follow this sequence:

Step 1: Internal Grievance Redressal

• Email: grievance@azadparivaar.com

• Acknowledgement: Within 1 working day

• Resolution Target: 21 calendar days
   

Step 2: Escalation to SEBI

• SCORES (SEBI Complaints Redress System): https://scores.sebi.gov.in

• SEBI Online Dispute Resolution (ODR) Portal: https://smartodr.in

• SEBI Toll-Free Helpline: 1800-22-7575 / 1800-266-7575
   

Step 3: Arbitration / Court
Where the matter is not resolved through SEBI's ODR mechanism, the dispute shall be subject to arbitration under the Arbitration and Conciliation Act, 1996, with the seat of arbitration at New Delhi, conducted in English by a sole arbitrator. The award shall be final and binding.
 
19. Modifications to These Terms
We may update these Terms from time to time to reflect changes in regulations, our services, or operational practices. The updated version will be posted on this page with a revised "Last Updated" date. Continued use of the Website or our services after such posting constitutes acceptance of the modified Terms.
Where modifications materially affect existing client engagements, we will provide written notice to active clients via email.
 
20. Severability
If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be replaced with one that most closely reflects the original intention while remaining enforceable.
 
21. Entire Agreement
These Terms, together with the Privacy Policy and any executed Letter of Engagement, constitute the entire agreement between you and the Adviser concerning your use of the Website and our services. They supersede all prior or contemporaneous communications, representations, or agreements, whether oral or written.
 
22. Contact Information
For any questions regarding these Terms:
Prateek Singh SEBI Registered Investment Adviser SEBI RIA Reg. No. INA000020077 | BSE No. 2254
Email: prateek@azadparivaar.com Grievance: grievance@azadparivaar.com Website: www.azadparivaar.com
Registered Address: D-64, DGS Apartment, Plot 6, Sector 22, Dwarka, New Delhi, National Capital Territory of Delhi - 110075, India
 
Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors. Investments in securities market are subject to market risks. Read all related documents carefully before investing.

SEBI RIA Reg. No. INA000020077 | BSE No. 2254 | Prateek Singh | CFA® CFP® CWM® CTEP™ CREP®