Draft for review. [REVIEW: this policy is a plain-language draft, not legal advice. Remove this notice once a lawyer and CA have reviewed it.] Items marked in blue need checking; items in yellow need your details.

Disclaimer

Last updated: [PLACEHOLDER: date of publishing]

4.1 General information only

The content on sanketjiwane.com, in the newsletter, in consulting calls and in the digital products is general and educational. It is based on my experience and the information available to me at the time. It is not financial, investment, legal, tax, engineering or agronomic advice for your specific situation. Please consult qualified professionals (for example a CA, lawyer, bank, agronomist or structural engineer) before making major decisions.

4.2 Figures must be verified

Costs, prices, yields, subsidy amounts, tariffs and other figures are indicative. They vary by location, season, supplier and over time, and can become outdated. Figures marked as estimates or "to be verified" are exactly that. Always get current quotes and check with the relevant authority or supplier before you invest. Calculator outputs are only as good as the inputs you enter.

4.3 Subsidies, licences and regulations

Government schemes, subsidies, licences and rules change and differ by state. Any mention of a scheme is a pointer to check, not a promise of eligibility or approval. Confirm directly with the relevant department before relying on it.

4.4 No guarantee of results

Farming involves risk: weather, pests, disease, power and water supply, market demand and execution all affect results. I do not guarantee any yield, income, return on investment or business outcome.

4.5 My role at Growloc (disclosure)

I am Co-founder & Director and CEO of Growloc Private Limited, an Indian hydroponics and agri-IoT company that makes farm Controllers, sensors, nutrient dosers, farm software and farm setups. This is my personal website, and the views, services and products here are my own, not Growloc's. My advice aims to be vendor-neutral. Where a topic involves products of the kind Growloc makes, I will disclose my role, and you are free to choose any supplier. Growloc does not pay for or control the content on this Site. [CA/LAWYER TO CHECK: any disclosure required under Growloc's internal policies / director obligations]

4.6 Affiliate links and sponsorships

Some links on this Site and in the newsletter are affiliate links. If you buy through them, I may earn a small commission at no extra cost to you. I only recommend things I'd use or have checked. Sponsored content, if any, will be clearly labelled "Sponsored". [CA/LAWYER TO CHECK: ASCI influencer/advertising disclosure guidelines]

4.7 External links

Links to other websites are provided for convenience. I don't control and am not responsible for their content.

4.8 Testimonials

Any testimonials reflect individual experiences and are not a promise of similar results. They are published with permission.