TERMS OF USE

About this site

This is the personal website of Kalpesh Desai. It contains biographical information, writing, media coverage, and other content published in a personal capacity. Content on this site does not represent the official position of Agile Financial Technologies, My Life’s Vault, or any board on which he serves.

Content and intellectual property

All original text, images, book excerpts, and design elements on this site are the property of Kalpesh Desai or the respective rights holders (for example, publishers of quoted book covers, and media outlets whose logos appear alongside coverage links). You may read, share links to, and quote short excerpts for non-commercial purposes with appropriate attribution. You may not republish substantial portions, use the content for commercial purposes, train machine-learning models on it, or reproduce it in books, courses, or other paid materials without prior written permission.

Third-party links and coverage

The site links to third-party publications, videos, and services (for example, LinkedIn, YouTube, Goodreads, and press outlets). These are provided for reference only. The linked sites operate under their own terms and privacy policies, and their content is not endorsed or controlled by Kalpesh Desai.

No professional advice

Articles, essays, and interviews on this site are personal opinions and general commentary. They are not legal, financial, investment, medical, tax, or professional advice, and should not be relied on as such. Always consult a qualified professional for decisions specific to your situation.

Forms and submissions

If you submit a message, subscribe to a mailing list, or otherwise provide information through this site, you confirm that the information is your own, is accurate, and that you have the right to share it. Please do not submit confidential information through the contact form.

Acceptable use

You agree not to:

• Use the site in any way that violates any applicable law or regulation.
• Attempt to gain unauthorised access to any part of the site, its systems, or connected services.
• Introduce viruses, malware, or other harmful code.
• Use automated tools to scrape, harvest, or copy content in bulk.

Disclaimer and liability

The site is provided "as is" without warranties of any kind. To the fullest extent permitted by law, Kalpesh Desai will not be liable for any indirect, incidental, or consequential loss arising from your use of the site or reliance on its content.

Changes to these terms

These terms may be updated from time to time. The "Last updated" date at the top reflects the most recent revision. Your continued use of the site after any change constitutes acceptance of the revised terms.

Governing law

These terms are governed by the laws of the United Arab Emirates, without regard to conflict-of-laws principles.

Contact

Questions about these terms can be sent through the contact page.