What Sahi is, and what each side undertakes.

A tool for wealth advisors. It reads the statements a firm brings in, values each client’s book against the principles that client declared, and shows the advisor what has drifted and who needs attention. It prints a review the client can keep.

• Not advice. Sahi states arithmetic: what is held, what was declared, and the distance between them. It does not recommend a fund, a sale, a purchase or an allocation. Every decision about a client’s money is the advisor’s, and the advisor’s alone.
• Not a broker, a distributor or a custodian. Sahi holds no exchange, AMC, RTA or bank credential and cannot place an order, move money or hold a unit. Nothing done in Sahi changes a client’s holdings anywhere.
• Not a regulated intermediary. Sahi is software. Whatever registration, licence or conduct rules apply to the advisor or the firm apply to them, not through Sahi and not instead of it.

Advisors invited by a firm’s partner, and partners invited by Sahi. There is no sign-up. An advisor must be of age and entitled, under whatever rules govern them, to see the client data their firm holds. A firm is responsible for whom it invites and for ending their access when they leave.

Sign-in is by a code sent to the advisor’s email; there is no password. The advisor is responsible for that mailbox and for every action taken in a session signed in from it. Sessions end by themselves after eight hours idle or twelve hours in all, and any session can be ended from Settings. A sign-in must not be shared.

• It is yours. The clients, notes, principles and books a firm brings into Sahi belong to the firm. Sahi processes them only to provide the service, as the privacy notice describes, and claims no other right in them.
• You have the authority to bring it. A firm that imports a client’s statement warrants that it is entitled to hold and process that client’s data, and that the client knows their advisor uses a tool to do so.
• A client’s access. A firm may give a client read-only access to their own book. The firm chooses who, at the address on the client’s record, and answers for that choice. A client given access by more than one firm sees each firm’s book, once they accept it, and all of them together; no firm sees another firm’s. A firm may let a member of a household see other members’ books, and answers for recording that each of those members agreed. The client may change their own marginal tax rate, which their advisor then sees, and the colour of their charts, and nothing else. A firm can remove its access at any time, and does when the client leaves it.
• A client who signs in agrees to use that access only to read their own portfolio and their family’s where they were given it, and to keep their sign-in to themselves. The firm, not Sahi, is the client’s advisor and answers their questions about it. When a client asks for their records to be erased, the firm answers within the time the law allows: it erases them, or records which law requires keeping them and until when.
• You can take a copy. A partner can download the firm’s data from Settings at any time, as one Excel file made in their own browser and locked with a password of their choosing unless they turn the lock off. Sahi keeps no copy of that file; what the firm does with it is the firm’s responsibility.
• It leaves with you. When a firm stops using Sahi, its data is deleted, as the privacy notice describes.

To use Sahi only for the firm’s own advisory work; not to use it to see data that is not your firm’s; not to probe, scrape, overload or interfere with it; and not to copy it or build on it other than by using it. Sahi may end the access of anyone who does.

Sahi’s figures come from the statements a firm brings in and from public price sources, and are only as complete and as current as those are. A statement that is a month old shows a book that is a month old, and Sahi says so on every page. An advisor must check what matters before acting on it. Sahi is provided as it is, without a warranty that it is free of error or always available.

Sahi is not liable for an investment decision, for a loss in a client’s book, or for a consequence of acting on a figure without checking it. Where liability cannot be excluded by law, it is limited to what the firm has paid Sahi in the twelve months before the claim. Nothing here limits liability for fraud.

Sahi will change: features arrive and some go. A change to these terms is made on this page, with the date at the top, and a firm that keeps using Sahi after a change accepts it. Either side can end the arrangement at any time: a firm by writing to say so, Sahi by notice to the firm’s partner.

These terms are governed by the laws of India. Questions and notices go to hello@sahicapital.com.