Terms of Use

1. Content accuracy

Content on this site, including articles, quotes, opinions and investing ideas, is provided for general informational and educational purposes only. It is not professional financial, legal, medical or investment advice. Always do your own research and consult a qualified professional before acting on anything you read here.

2. Intellectual property

All original content — text, graphics, layouts, audio and branding — is the property of Sagar Lad. You are welcome to share and reference content with attribution and a link, but may not reproduce it commercially or present it as your own without written permission.

3. Bookings & commercial engagements

Speaking engagements, workshops, mentorship and other paid services are confirmed through separate written agreements. Those agreements take precedence over anything stated on this page.

4. User conduct

When submitting comments, testimonials, questions or other content, you agree not to post unlawful, abusive, defamatory, misleading or infringing material. We reserve the right to moderate, edit or remove any user content at our discretion.

5. Limitation of liability

This site is provided "as is". We are not liable for any loss or damage arising from your use of, or reliance on, the content or services offered on this site.

6. Changes

We may update these terms from time to time. Continued use of the site after changes are posted constitutes acceptance of the updated terms.

7. Self-assessments & certificates

Interactive assessments on this site, including the MIND UP score, are self-reflection tools based entirely on your own answers. They may be incomplete, biased or inaccurate, and they are not psychological, medical or professional evaluations of any kind.

Certificates, scores, badges and rewards generated from these assessments are personal milestone markers only. They confer no qualification, certification, diagnosis or claim of ability, and must not be presented as such to employers, institutions or any third party.

8. Downloads & newsletter

Free downloads (e-books, certificates, images) may ask for your name and email address. Providing them is voluntary where stated, and required where stated. Ticking the newsletter option subscribes you to occasional emails, which you can leave at any time using the unsubscribe link in every email. Downloaded files are for your personal use; redistribution or resale requires written permission.