Effective Date: April 21, 2026
Welcome to fffteam.com. These Terms of Service ("Terms") govern your use of this website and services provided by Sparsh Kumar, sole proprietor, DBA "FFF" ("FFF," "we," "us," "our"). By using this website or our services, you agree to these Terms.
Sparsh Kumar is a licensed life insurance agent and financial services representative affiliated with EIB Excellence in Building. Insurance and financial products are offered through EIB and its appointed carriers. FFF is Sparsh Kumar's independent brand for client relationships, education, and team building.
You agree to use this website for lawful purposes only. You may not interfere with site operation, attempt unauthorized access, or misuse any services.
Information on this site is for general informational purposes and does not constitute an offer of insurance or specific financial advice. All insurance policies are subject to underwriting and state availability. Product offerings and pricing are subject to change.
By providing your phone number and opting in (via website form, in-person form, or keyword text), you consent to receive recurring marketing and informational text messages from FFF.
Program name: FFF Team SMS Alerts
Types of messages you may receive:
Message frequency: Recurring. Frequency varies based on your activity, typically up to 4 messages per month.
Message and data rates: Message and data rates may apply.
Opt-out: Reply STOP to any message. You'll receive a confirmation and no further marketing messages.
Help: Reply HELP for support, or contact (510) 384-8717 / sparsh@fffteam.com.
Supported carriers: AT&T, Verizon, T-Mobile, Sprint, US Cellular, and other major US carriers. Carriers are not liable for delayed or undelivered messages.
Privacy: We do not sell, rent, or share your SMS opt-in information. See our Privacy Policy.
All website content, logos, and materials are the property of Sparsh Kumar / FFF and may not be used without permission.
This website and services are provided "as is." We disclaim all warranties to the fullest extent permitted by law.
FFF is not liable for any indirect, incidental, or consequential damages arising from use of this website or services.
These Terms are governed by the laws of the State of Texas.
Sparsh Kumar, DBA FFF
6200 Tennyson Pkwy, Suite 175
Plano, TX 75024
Phone: (510) 384-8717
Email: sparsh@fffteam.com