Terms and Conditions

Use of Website:

The information provided on this website or in any communication containing a link to this website is for personal use and information purposes only and is not intended for distribution to, or use by, any person or entity in any jurisdiction in any country where such distribution or use would be contrary to law or regulation or which would subject to any financial regulations or otherwise.

All and any opinions that are expressed on this website are provided by Mr. Kalpesh Ashar in individual capacity and for personal use and for informational and educational purposes only.

All processes, concepts, theories, etc… mentioned on the website are intended for understanding, clarity, information and educational purpose unless otherwise stated expressly. All the contents of this website are intended for any individuals/corporate who would like to seek professional help and guidance for financial planning.

Our endeavour is to provide professional financial planning services with an unbiased view.

This website is designed to be accessed through its principal home page(s) e.g. www.fullcirclefpa.com and such other pages as decided by FCFPA. If you access the site through individual pages directly, which are not designed for this purpose, you may not see important information which is relevant to information on this website.

You will be referred on certain site pages to read "Legal Information". This Important Information will contain important details and/or relevant legal or regulatory information and should be read in conjunction with the relevant site pages.

All the information provided, transmitted and/or carried by the website and its related websites including, but not limited to, sections, news articles, opinions, reviews, text, photographs, images, illustrations, profiles, audio clips, video clips, trademarks, service marks and the similar, collectively the "Content(s)", are protected by the respective copyright and other intellectual property laws.

The Content is owned by FCFPA, its affiliates and/or third party licensors as the case may be. You may not without permission modify, publish, transmit, transfer, sell, reproduce, create derivative work from, distribute, repost, perform, display and/or in any way commercially exploit any of the Content(s) mentioned in the website. You agree to abide by all copyright notices and restrictions attached to any Content accessed through the website and not to alter the content(s) in any way.

The contents of this website, including these terms and conditions of use, privacy policy are subject to change by us without notification and FCFPA or Mr. Kalpesh Ashar shall not be obliged to remove any outdated information from the website. You should periodically view the content(s) for the changes and updates.

Third party links would be of articles where there are contributions made by the owner.

Privacy Policy

This privacy policy sets out how FCFPA uses and protects the information that is provided by the user when they use the website. FCFPA are committed to ensuring that your privacy is protected. Any information we ask for will only be used in accordance with this privacy policy. FCFPA may change this policy if the need be. Please feel free to contact guidance@fullcirclefpa.com for any query/concern/questions.

Information Collected by us:

We do not collect any personally identifiable information from the user when they visit our website.

Our Privacy Policy is applicable to information collected or submitted by you in the Reach Us section.

• We collect:


• Name:
• Email Id:
• Mobile No:
• Comments/Suggestions/Feedback:

We use the above information to know the user who contacted us and the comments/suggestions/feedback provided by them and respond to at our discretion. We do not share/sell/distribute/transfer any of the above information to outside parties unless we have your permission to do so or are required by the law to do so.

We reserve the right to store and use the above information solely for our own internal purposes. Our website contains links to other websites or articles that may be of interest to you. You should familiarize yourself with the privacy policies of these other sites prior to providing personal information.

Disclaimers and Liability

The information contained in this website is for general information purposes only and the intention is to make the content updated and relevant. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, availability, etc.. with respect to the website or the information provided herewith including and not limiting to the articles, related graphic images, products if any, services if any, etc… on the website for any purpose. Any reliance on such information is strictly at your own risk.

We will not be liable in any event for any loss or damages including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

The inclusion of any links via third party does not necessarily imply a recommendation or endorse the views expressed within them.

Every effort is made from our end to keep the website up and running smoothly. However, FCFPA takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.

Exclusion of Liability

These 'Exclusion of Liability' provisions should be read carefully as they exclude or limit our legal liability in connection with your use of this website. Nothing in these terms and conditions and in particular within the 'Exclusion of Liability' clauses shall attempt to exclude liability that is not permissible to exclude under applicable law, including without limitation, for death or personal injury, or for fraudulent misrepresentation.

While we have taken all reasonable steps to ensure the accuracy and completeness of the content of the website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of the website or any part of the content or materials are appropriate or available for use either in India or in other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

We accept no liability however caused (to the maximum extent permitted by applicable law) arising out of the use of or access to this website (which includes without limitation) any errors or omissions contained in this website or if the website is unavailable and we shall not be liable for any direct or indirect:

• economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings)
• loss of goodwill or reputation or
• loss suffered or incurred arising out of or in connection with your use of this website and/or these terms and conditions.

Access to and use of this website is at your own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.