Last updated: 15th January 2026
These Terms of Service ("Terms") govern your use of the sparkesit B.V. website located at sparkesit.world and our financial advisory services. By accessing or using our website and services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.
sparkesit B.V. is a company registered in the Netherlands with Registration Number 53891760 and VAT Number NL879451620B01. Our registered address is Kerkstraat 239, 5042 AO Tilburg, North Brabant, Netherlands.
By accessing and using our website or engaging our financial advisory services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. These Terms constitute a legally binding agreement between you and sparkesit B.V. If you are using our services on behalf of an organisation, you represent that you have the authority to bind that organisation to these Terms.
sparkesit provides financial advisory services including but not limited to wealth management, investment planning, retirement planning, tax planning, corporate finance advice, and estate planning. Our services are provided subject to applicable Dutch and European Union financial regulations. All advice is provided based on the information you provide to us and is subject to market conditions and regulatory changes.
When using our website and services, you agree to:
All financial advice provided by sparkesit is based on the information you provide and our professional analysis. Past performance does not guarantee future results. All investments carry risk, and you may lose some or all of your investment. You should carefully consider your financial situation and consult with us before making any investment decisions. We recommend that you seek independent legal and tax advice where appropriate.
All content on our website, including text, graphics, logos, images, software, and other materials, is the property of sparkesit B.V. or our licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without our express written permission. You may view and print content for your personal, non-commercial use only.
Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which forms part of these Terms. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.
To the maximum extent permitted by law, sparkesit B.V., its directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities, arising from your use of our website or services. Our total liability to you for any claims arising from these Terms or our services shall not exceed the fees you have paid to us in the twelve months preceding the claim.
sparkesit operates in accordance with Dutch financial services regulations and professional standards. We maintain professional indemnity insurance and adhere to industry best practices. However, we cannot guarantee specific investment outcomes or returns, and all financial decisions remain your responsibility.
Our fees for services will be clearly communicated to you before engagement. Payment terms will be specified in our service agreements. We reserve the right to suspend services for non-payment of fees. All fees are subject to applicable VAT and other taxes.
Either party may terminate our service relationship at any time with reasonable notice. We may immediately terminate or suspend your access to our website if you breach these Terms. Upon termination, your right to use our services ceases immediately, but provisions regarding liability, intellectual property, and governing law shall survive termination.
These Terms are governed by and construed in accordance with the laws of the Netherlands. Any disputes arising from these Terms or our services shall be subject to the exclusive jurisdiction of the Dutch courts. If you are a consumer resident in another EU member state, you may also have rights under the laws of your country of residence.
We reserve the right to modify these Terms at any time. We will notify you of material changes by posting updated Terms on our website and updating the "Last updated" date. Your continued use of our services after such changes constitutes acceptance of the modified Terms.
If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions shall remain in full force and effect. The invalid provision shall be replaced with a valid provision that most closely approximates the intent of the original provision.
If you have a complaint about our services, please contact us first using the details below. We are committed to resolving complaints fairly and promptly. If you are not satisfied with our response, you may be able to refer your complaint to the appropriate financial services ombudsman or regulatory authority.
We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including natural disasters, government actions, strikes, or technical failures.
If you have any questions about these Terms, please contact us:
These Terms of Service constitute the entire agreement between you and sparkesit B.V. regarding your use of our website and services.