Privacy, plainly explained.

Lifetime Cash-Flow Planner

Your age, financial amounts and planning assumptions are processed in your browser. They are not uploaded, saved in browser storage or attached to an enquiry. Reloading resets them. Downloaded annual ledgers contain your financial information; keep them private.

The chart library is downloaded from jsDelivr. That service receives a normal script request, which includes network information such as your IP address. The planner does not send financial inputs with that request. When the planner is embedded, it sends only its display height to the containing page.

Private plan files

Money Decision Lab plan files are downloaded to your device and contain your financial inputs. Opening a saved plan reads it in your browser, without uploading it to our server. Keep these files private. The tool-sharing link contains no financial inputs.

Who operates this website

SIP Guide is the website of Pranay I Kuhikar, Mutual Fund Distributor, ARN-341515, based in Nagpur, Maharashtra. For a question about information you share with us, use the contact details.

Calculator inputs

Calculations run in your browser. This website does not save calculator inputs to a customer database. A downloaded CSV is created on your device. If you choose “Discuss this illustration”, the selected assumptions are included in a WhatsApp draft for you to review and send.

Planning worksheets and sharing

Money Map, goal stress tests, insurance checklists and renewal dates run in your browser and are not automatically submitted. Reloading clears your answers. Printed PDFs and calendar files are created on your device; anyone you share those files with can see their contents. “Share this tool” shares a generic link, without your answers. A shared-tool tag may be included with an enquiry you choose to submit.

Callback requests

When the form offers “Request a callback”, submitting sends your name, mobile number, topic, preferred time, optional note and consent to SIP Guide. It also records the enquiry time and a general source tag, such as Money Map, insurance, Lifetime Planner or Decision Lab. Financial-tool answers are not attached automatically. In the Decision Lab, you can explicitly choose to include the displayed decision brief, including its loan, cash, investment and expense figures. Enquiries are stored encrypted on our hosting account outside the public website folder and accessed through a protected owner inbox.

We use these details to respond to the enquiry you requested, not to enrol you in an automatic marketing subscription. A short-lived security session supports form submission. A keyed hash of your network address is used to limit repeated requests, with rate-limit entries cleared as new requests arrive after 24 hours. Hosting logs may separately contain network addresses.

Enquiries are retained while needed for follow-up and any applicable recordkeeping obligations. We review and remove records no longer needed. You can ask to correct or delete your enquiry, or withdraw permission for follow-up, using the phone or WhatsApp contact on this site. Backups and records subject to retention obligations may be handled separately.

WhatsApp contact

When website callback requests are unavailable, the form clearly offers a WhatsApp draft instead. In that mode the website does not save the form details. Opening a draft passes its text to WhatsApp, and pressing Send delivers it to Pranay. WhatsApp’s own privacy terms apply. Please avoid sending account numbers, passwords, OTPs, policy documents or medical details through the enquiry form.

Technical information and cookies

This site does not include an advertising pixel, analytics tracker or marketing cookie. The hosting service may process technical data such as IP addresses, requested pages and browser information in operational or security logs. A private review version hosted by another platform may also use that platform’s authentication and security services.

External websites

Links to AMFI, educational resources and WhatsApp take you to services with their own privacy practices. A phone link opens your device’s calling application.

Changes

This information should be updated if analytics, subscriptions or other data collection is introduced. The date above identifies the latest version of this page.