Terms of service

These terms govern your use of this website and any course, bootcamp, or advisory service you purchase from Investing Sparkle. By using the site or booking a service, you agree to them.

1. What we provide

We provide financial education (courses, live bootcamps, written material, and free tools) and advisory services consisting of coaching, risk profiling, written investment plans, and portfolio review.

2. What we do not provide

This is the most important clause in these terms, so it is stated plainly:

• We are not licensed investment advisors under the SECP, and nothing we provide is a personal investment recommendation.
• We do not manage investments or accept discretionary authority over any account.
• We do not execute trades on your behalf.
• We do not hold, receive, or take custody of client funds or securities.
• We do not provide specific stock recommendations in any service tier.
• We do not provide tax, accounting, or legal advice.

3. Your responsibilities

Every investment decision you make is yours. You are responsible for evaluating any framework or analysis we teach, for choosing your own brokerage, for the accuracy of the information you give us, and for the consequences of your own trades.

You agree not to share, resell, record, or redistribute our course material, recordings, or templates without written permission.

4. Bookings and payment

Bookings are made through WhatsApp or email. Payment is accepted via JazzCash, EasyPaisa, Bank transfer, Debit/credit card. Your place is confirmed once payment has cleared. Prices are in Pakistani Rupees and may change for future cohorts, but never after you have paid.

5. Refunds

Refund terms differ by service and are set out in full on our refund policy page, which forms part of these terms.

6. Cancellation and rescheduling by us

We may reschedule a session where necessary. If we do, you may take a place in the next cohort or receive a full refund, at your choice.

7. Conduct

Cohort WhatsApp groups and live sessions are for learning. We may remove anyone who solicits, promotes stock tips, shares others’ information, or harasses other participants, without refund where the behaviour is deliberate.

8. Intellectual property

All course material, slides, templates, tools, and written content remain our property. You receive a personal, non-transferable licence to use them for your own learning.

9. Limitation of liability

To the fullest extent permitted by law, we are not liable for investment losses, lost profits, or any indirect or consequential loss arising from your use of our material or services. Our total liability in respect of any service is limited to the amount you paid for that service.

Nothing in these terms excludes liability for fraud or for anything that cannot lawfully be excluded.

10. Third parties

We are not responsible for the acts or omissions of brokers, payment providers, or other third parties you choose to deal with. We receive no commission or referral fee from any of them.

11. Changes to these terms

We may update these terms. The version in force when you book is the version that applies to that booking.

12. Governing law

These terms are governed by the laws of Pakistan, and the courts of Karachi have exclusive jurisdiction over any dispute.

13. Resolving problems

If something goes wrong, contact us first at support@investingsparkle.com. We would much rather fix it directly than have either of us end up in a formal process.