Privacy

Privacy notice

Categories of information we collect

Assessment responses: the financial responsibility you expect to be affected first, your age, employment type, approximate annual gross income, essential monthly household expenditure, financial dependants, the number of years of income support your family may need, outstanding major liabilities, known future commitments, a desired emergency buffer, existing life-insurance cover and the financial assets you have genuinely earmarked for family protection.
Contact details: your name, email address, mobile or WhatsApp number and city.
Consent records: the wording, version and timestamp of the consent you gave, and of any consent you later withdraw.
Session requests: your preferred date, preferred time range and main question.
Preliminary intake (only if you are sent a single-use intake link after a session is booked or approved): personal context, financial context and preliminary health and lifestyle context.

To generate your educational Life Insurance Gap Check™ result and printable Your Life Insurance Gap Snapshot™.
To communicate with you about that result or a Life Insurance Clarity Session™ you request.
To send educational emails, only if you separately opted in.
To prepare for a session you have booked, so the discussion is useful and specific.

Annual essential family expenditure = essential monthly household expenditure × 12.
Income-continuity requirement = annual essential family expenditure × the number of support years you selected.
Total stated responsibility requirement = income-continuity requirement + outstanding major liabilities + known future commitments + desired immediate family buffer.
Existing available protection = existing life-insurance cover + financial assets you explicitly earmarked for family protection.
Indicative family protection gap = the greater of zero, or total stated responsibility requirement minus existing available protection.
The calculation runs on our servers using only what you supplied. It is an educational estimate and not an actuarial Human Life Value determination, insurer quotation or underwriting decision.

Only the administrator of this initiative, signing in to a protected area with a verified account and a server-verified administrator role.
Anonymous visitors cannot list, read, change or delete any stored record. Your result is reachable only through the secure, unguessable link generated for you.
We do not sell participant information and we do not publish participant responses.

Preliminary health and lifestyle context is treated as sensitive. It is stored separately, accessible only in an individually protected administrator view, excluded from every general export, and never included in notification emails.
You may always choose the option to discuss health matters privately during your session instead of typing them here.
We do not collect Aadhaar, PAN, bank information, medical or diagnostic reports, identity documents, nominee details or insurer proposal documents. Nomination and all final medical, financial and lifestyle declarations must be completed through the insurer's official process.

Unconverted preliminary medical intake information is deleted or irreversibly anonymised after 90 days by default; the administrator can configure this window.
General assessment records are retained no longer than is reasonably necessary for the stated educational and session purpose.
Only legally required consent and audit records are preserved beyond that point.
You may ask us to delete your assessment and intake at any time by writing to connect@financiallifemasterclass.com.

Educational-email consent and WhatsApp consent are optional, unticked by default and never bundled into the required assessment consent.
You can unsubscribe from educational emails at any time using the link in any such email. The educational sequence stops as soon as consent is withdrawn.
To withdraw WhatsApp consent, or any consent, write to connect@financiallifemasterclass.com.

When you open an external course, payment or scheduling link, the information you provide on that external platform is handled under that platform’s applicable terms and privacy practices.

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.
Educational information only. Taresh Bhatia, CFP®, is not an appointed life-insurance advisor. Insurance-specific assistance, if requested, is provided only through Meghna Bhatia, an authorised Life Insurance Advisor associated with ICICI Prudential Life Insurance Co. Ltd. No insurance purchase is required.

Privacy contact: connect@financiallifemasterclass.com. Please write from the email address you used in the assessment so we can locate your record.