Welcome! These Terms and Conditions, alongside the Privacy and Data Security Policy, govern the financial coaching relationship between Finance with Sachi ("the Business," "we," "us," "our") and you ("Client," "you"). Sachi Jain Verma is the primary coach and founder of Finance with Sachi. Please review these terms carefully as they outline our parameters of service and our data privacy commitments.
1. Scope of Services & Important Disclaimers
The goal of Finance with Sachi is to empower you to take control of your financial future. We work collaboratively to build strong financial habits, analyze your current cash flow, and design structural roadmaps for your goals.
What We Do:
- Budgeting & Cash Flow Analysis: Designing custom frameworks to track, visualize, and optimize your income and expenses.
- Forecasting: Projecting future financial scenarios and net-worth paths based on potential lifestyle choices.
- Future Planning: Strategic goal setting, such as building emergency funds, mapping out debt payoff timelines, or calculating savings timelines for major milestones (e.g., home ownership).
Finance with Sachi is strictly a financial coaching business. Sachi Jain Verma is a Personal Finance Coach and is not a Certified Financial Planner (CFP), registered investment advisor, or an active licensed CPA.
- No Investment Planning: We do not provide specific investment asset recommendations, manage investment portfolios, or advise you on buying or selling specific securities, mutual funds, or commodities.
- Education & Guidance Only: All advice, forecasts, templates, and plans provided by Finance with Sachi are for educational and informational purposes only. You are solely responsible for executing your own financial decisions. Always consult a licensed professional before making major investment, legal, or tax changes.
2. Client Responsibilities & Data Sharing
To construct accurate budgets, cash flow maps, and future projections, you will be asked to share relevant financial documentation (e.g., bank statements, credit card records, debt details, and cash flow diaries).
- Accuracy of Information: You agree that all financial details, account values, and records you provide are accurate, authentic, and complete. We cannot build actionable or reliable models on flawed or missing information.
- Ownership of Outcomes: You retain 100% ownership, responsibility, and liability for any financial moves, automated rules, investments, or lifestyle changes you elect to implement during or after your coaching sessions with Finance with Sachi.
3. Data Privacy & Security Policy
Because we handle highly sensitive financial data, protecting your privacy is our highest priority. We use strict enterprise-grade tools to ensure your information remains completely confidential.
Where Your Data is Stored:
All digital files, statements, uploaded documents, and customized worksheets you share are stored securely within the private Finance with Sachi Google Workspace ecosystem. This platform relies natively on Google's industry-leading, enterprise-grade cloud security architecture, data encryption (at rest and in transit), and multi-factor authentication protocols.
How Your Data is Processed (Our Secure AI Guarantee):
We intentionally utilize Gemini for Google Workspace to assist with complex calculation sorting, trend processing, and raw forecasting analysis. This processing operates under rigid privacy criteria:
- Zero External Transmission: Your data never leaves our managed, secure Google Workspace domain.
- No Public AI Training: Google's enterprise terms legally guarantee that your data, prompts, and documentation are never logged or utilized to train public AI models, and they are never subject to external human review.
- Strict Client Siloing: Your financial data is completely isolated. It is never cross-referenced, merged, or exposed to other clients' workspaces, profiles, or accounts.
4. Data Retention and Deletion Policy
We maintain a minimal data footprint. We only retain your shared records for as long as they are strictly necessary to fulfill your financial coaching objectives.
| Data Type | Retention Period | Action Taken |
|---|---|---|
| Financial Statements (PDFs, CSVs, Images) |
Duration of active coaching contract + 30 days | Permanently and securely deleted from Google Drive. |
| Interactive Sheets & Forecast Models | Duration of active coaching contract + 1 year | Moved to a locked offline archive for returning reference, or expunged early by request. |
| Email & Text Correspondence | Standard business operational retention window | Archived securely within internal Google Workspace logs. |
Your Right to Erasure:
You retain full ultimate ownership of your data. You may request the immediate, total erasure of your shared financial data files at any point during or following our engagement. Upon receiving written notification via email, your files will be permanently purged from all cloud directories and standard trash bins within five (5) business days.
5. Limitation of Liability
Under no circumstances shall Finance with Sachi, Sachi Jain Verma, or any authorized operational partners or agents be held liable for any direct, indirect, incidental, or consequential damages, losses, or market outcomes resulting from your coaching program, your financial decisions, or the performance of your personal or business financial accounts.