What is on this site is information, not advice. Here is the rest of the fine print.

Last updated: 15 October 2026

Using this site

www.sav-age.com is run by SAV-Age, a sole proprietorship of Viraj Bhagat, Mumbai, India, trading as SAV-age Consulting. By using the site you accept these terms. If you do not, please do not use the site.

What is on the site is information, not advice

Everything on this site describes how I think and how I work, in general terms. It is not advice for your business, and reading it does not make you my client. Every business is different, and nothing here should be acted on without a conversation about your specific situation. I become your consultant only when we have both signed an engagement letter that sets out the scope, the fees and the responsibilities on each side.

No guarantees

I keep the site accurate and current as best I can, but I do not promise that it is complete, error-free or always available. I may change or remove content at any time without notice.

Content and the SAV-age name

The text, images, the SAV-age name and logo on this site belong to SAV-Age unless stated otherwise. You may read, print or share pages for your own non-commercial use, with the source acknowledged. You may not copy, adapt or republish the content for commercial purposes without my written permission.

What you send me

Anything you send through the contact form is handled as described in the Privacy Policy. Please do not send confidential business information through the form; that conversation belongs in a meeting under a signed NDA, which I offer to every client before work begins.

Links

The site links to third-party sites such as LinkedIn and WhatsApp. I do not control them and am not responsible for their content or practices.

Liability

To the extent the law allows, SAV-Age is not liable for any loss arising from your use of this site or from relying on its content without an engagement in place.

Law and courts

These terms are governed by the laws of India. Any dispute relating to the site is subject to the exclusive jurisdiction of the courts at Mumbai.

Changes

I may update these terms from time to time. The date at the top tells you when they last changed.

Contact

SAV-Age, trading as SAV-age Consulting, Mumbai, India. viraj@sav-age.com.