Privacy
Privacy notice
Categories of information we collect
- This notice covers three distinct channels: (a) the complimentary Life Insurance Gap Check™ completed on this website; (b) the website-based preliminary intake, sent only as a single-use link after a session is booked or approved; and (c) the separate, optional Life Insurance Needs & Underwriting Questionnaire™, which is provided through Google Forms and is described in its own sections below.
- 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.
Why we collect it
- 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.
How the estimate is calculated
- 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.
Detailed Life-Insurance Questionnaire
- If you independently choose to complete the separate Life Insurance Needs & Underwriting Questionnaire™, additional information may be requested through Google Forms. This questionnaire is separate from the complimentary Life Insurance Gap Check™ and from the website-based preliminary intake.
- Depending on your answers, this information may include:
- • Name and contact details.
- • Age, residence and nationality.
- • Family responsibilities and dependants.
- • Income, employment and financial information.
- • Existing life-insurance cover.
- • Loans, liabilities and future commitments.
- • Tobacco, alcohol and lifestyle information.
- • Physical measurements.
- • Medical history, medication and medical consultations.
- • Hospitalisation or investigation history.
- • Family medical history.
- • Pregnancy or women-specific medical information, where applicable.
- • Travel, residence and hazardous-activity information.
- • Proposed nominee and appointee information.
- • Tax-residency and related compliance information.
- • Applicant declarations and permission to contact.
- Detailed questionnaire information may be used to review whether the enquiry is complete; to understand family responsibilities and existing protection; to organise preliminary financial and medical information; to clarify information before any possible insurer-specific process; to contact the respondent where the respondent has consented; to explain possible documentation or medical requirements; and to coordinate an official insurer process only if the respondent independently chooses to proceed.
- Submitting the questionnaire does not require the respondent to purchase an insurance policy.
Respondents must not provide Aadhaar numbers, OTPs, passwords, banking credentials, complete confidential identity-document numbers or uploaded medical and identity documents through this preliminary questionnaire.
How Detailed Questionnaire Responses Are Processed
- The detailed questionnaire is provided through Google Forms. Responses are submitted through Google Forms and recorded in the linked Google Sheet.
- These detailed questionnaire responses are not separately stored in the public life.taresh.in website database.
- The respondent-facing form may be accessible to individuals who have its link, but administrative access and the linked response spreadsheet are restricted to authorised individuals. Questionnaire responses are not displayed publicly.
- Detailed financial, medical, lifestyle and family-history information entered in the separate questionnaire is submitted through Google Forms and stored in its linked Google Sheet. Such information is not publicly displayed and should be accessible only to appropriately authorised individuals. Particularly sensitive information may instead be discussed through an appropriate authorised insurer process where the respondent prefers.
- An authorised administrator may receive an email alert when a questionnaire is submitted. Notification emails do not reproduce the respondent's complete financial or medical answers; detailed responses are reviewed through the restricted response spreadsheet.
- Google processes the information submitted through its services in accordance with its applicable privacy terms. See the Google Privacy Policy.
Retention of Detailed Questionnaire Responses
- Detailed questionnaire responses are retained only for as long as reasonably necessary for preliminary review, authorised follow-up, a respondent-requested insurance process, applicable recordkeeping requirements or resolution of an enquiry.
- Responses belonging to individuals who do not proceed should be periodically reviewed and deleted or irreversibly anonymised according to the applicable documented retention procedure.
- Respondents may request correction or deletion of their detailed questionnaire responses by emailing connect@financiallifemasterclass.com.
Who may access your information
- 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.
Separate treatment of preliminary medical information
- Preliminary health and lifestyle context supplied through the website-based intake 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.
- The website-based assessment and intake do not collect Aadhaar, PAN, bank information, medical or diagnostic reports, identity documents or insurer proposal documents. All final medical, financial and lifestyle declarations must be completed through the insurer's official process.
- The complimentary Life Insurance Gap Check™ does not request nominee information. If an individual independently proceeds to the separate Life Insurance Needs & Underwriting Questionnaire™, preliminary nominee and appointee information may be requested to help organise information commonly required during a possible insurance process. Final nomination must be completed and verified through the relevant insurer's official proposal and policy process.
Retention and deletion
- 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.
Consent withdrawal, email and WhatsApp preferences
- 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.
External platforms
- 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.
Insurance-related follow-up
- 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.
Contact for correction or deletion
- Privacy contact: connect@financiallifemasterclass.com. Please write from the email address you used in the assessment so we can locate your record.