Disclosures

Educational disclaimer

This assessment provides an indicative educational estimate only. It is not an insurance quotation, policy recommendation, underwriting decision or guarantee. Taresh Bhatia, CFP®, participates solely as a financial educator. Insurance-specific assistance, if requested, is provided separately through an appropriately authorised insurance advisor.

Platform role

The Richness Academy™ is a financial-education platform offering courses, eBooks, workshops, assessments and educational sessions. It is not an insurance company, insurance broker or insurance intermediary, and it does not underwrite or issue insurance policies.

Educational role of Taresh Bhatia, CFP®

Taresh Bhatia, CFP®, participates solely as a financial educator and is not an appointed life-insurance agent or insurance advisor. The Life Insurance Gap Check™ and educational clarity sessions provide educational information and indicative estimates only. They are not an insurance quotation, policy recommendation, insurance solicitation, underwriting decision or guarantee of premium, coverage, policy issuance or claim settlement.

How insurance-specific assistance works

Insurance-specific assistance is available only when a participant independently requests it and expressly consents to being contacted. Such assistance, where applicable, is provided by Meghna Bhatia, Life Insurance Advisor, Advisor Code OA001302, associated with ICICI Prudential Life Insurance Co. Ltd., through the insurer’s authorised processes.

Relationship and remuneration disclosure

Meghna Bhatia is related to Taresh Bhatia. If an insurance policy is purchased through her authorised arrangement, she may receive remuneration from the insurer in accordance with applicable rules. No insurance purchase is required to access the educational assessment, educational guide or clarity session.

Sharing of your information

Your assessment information and contact details are not shared with Meghna Bhatia, Life Insurance Advisor, for insurance-related follow-up unless you independently request such contact or expressly consent to it. Educational-email and WhatsApp consents are separate and do not authorise insurance-related contact.

Insurance advisor disclosure

About Taresh Bhatia

Taresh Bhatia is an AMFI-registered Mutual Fund Distributor, ARN-85505, and is not presently registered with SEBI as an Investment Adviser. Mutual-fund distribution activities are separate from this life-insurance educational initiative.

No inducement

No rebate, premium discount, commission rebate, complimentary resource or session is offered as an inducement to purchase or continue an insurance policy. The educational assessment and printable snapshot are available without any obligation to purchase insurance.

Complete and truthful disclosure

Participants must provide complete and truthful information directly in the insurer's official proposal and underwriting process. The insurer alone decides acceptance, premium, medical requirements, exclusions and final terms.