Last updated: July 2026. By using this website or engaging our services, you agree to these terms.
This website is operated by the Finance and Excel consultancy, creators of 7AM & Realtime CFO(TM), founded by Suraj Kumar Lohani and Shikha Kutariyar Lohani, based in Ghaziabad, Delhi NCR, India ("we", "us", "our").
The free tools, diagnostics, books, blog content and this website's general content are provided for informational and educational purposes only. They do not constitute financial, legal, tax or investment advice, and should not be relied upon as a substitute for a formal engagement with us or with a licensed professional in your jurisdiction. Country-specific compliance information reflects general awareness under current rules at the time of writing and may change — always confirm specifics with a qualified local advisor before acting.
Our free tools (Cash vs Profit Leak Finder, Finance Clarity Diagnostic), the Enterprise Risk Quantifier diagnostic, the free 5-Gap Financial Diagnostic Report, and our 7 books are provided free of charge, without warranty of any kind, and are intended to help you understand your own numbers or our approach before any paid engagement.
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