01
The short version
This site is run by Parul Khosla, an individual sole proprietor based in New Jersey ("I," "me," or "my"). By using parulkhosla.com (the "Site"), you agree to these terms. If you do not agree with them, please do not use the Site.
I write essays, run a newsletter, publish a quiz, and sometimes sell services and digital products. These terms cover all of it.
02
Who can use this Site
You need to be at least 18 years old to use the Site, subscribe to the newsletter, take the quiz, or buy anything. If you are under 18, please do not submit your email address or any other personal information.
03
What this Site is, and what it is not
Everything here is published for general information and, hopefully, for encouragement. It is my personal experience and opinion. It is not professional advice of any kind.
Specifically, nothing on this Site is:
- Financial or investment advice. I write openly about money, cash flow, revenue, and financial decisions I have made. I am not a financial advisor, accountant, or investment professional. Do not make a financial decision based on something I wrote.
- Legal advice. I am not a lawyer and nothing here creates an attorney-client relationship.
- Medical, psychological, or therapeutic advice. I sometimes write about stress, burnout, therapy, and mental health as part of my own story. That is not treatment, diagnosis, or a substitute for care from a licensed professional. If you are struggling, please talk to a qualified provider.
- Business, tax, or career advice specific to your situation. What worked for me may not work for you.
You are responsible for your own decisions. Consult a qualified professional before acting on anything you read here.
04
The quiz, and what you are signing up for
The Site includes a quiz ("Am I Actually Behind?") that produces a personalised report.
Taking the quiz signs you up for my emails. The quiz asks for your email address before it shows your report. By entering it and submitting the quiz, you are asking me to send you the report and you are opting in to my newsletter and other emails from me. That is not a separate checkbox, and it is not buried anywhere: submitting the quiz is the opt-in.
You can unsubscribe at any time. Every email has an unsubscribe link at the bottom. One click and you are out, permanently, with no explanation needed and no effect on your ability to keep using the Site. You can also email hello@parulkhosla.com and I will remove you myself.
If you want the report but do not want the emails, take the quiz, save your report, then unsubscribe. That is completely fine and I will not chase you about it.
About the report itself:
- It is generated automatically from the answers you give and from general benchmark information. It is encouragement, not an assessment, diagnosis, evaluation, or professional opinion.
- It is not a prediction. It guarantees no outcome and should not be the basis for a career, financial, or personal decision.
- I make no promise that the benchmarks or comparisons in it are accurate for your specific situation, industry, or circumstances.
- The quiz runs on my own site rather than through a third-party quiz platform, so your answers go to me and to my email platform, and nowhere else.
05
The newsletter
My newsletter, Unfiltered on Purpose, is published on Substack. Every email I send you, including your quiz report and anything that follows it, goes out through Substack. That means your email address is stored on Substack's systems and handled under Substack's own terms and privacy policy in addition to mine.
Subscribing is free unless a paid tier is clearly offered and you choose it. Every email includes an unsubscribe link, and unsubscribing takes effect promptly. I may occasionally send you a message about a service, product, or event. If you would rather not get those, unsubscribe or email hello@parulkhosla.com and I will take you off the list.
06
Paid services
If you book coaching, consulting, advisory work, or a speaking engagement with me:
- A separate agreement controls. Any engagement is governed by a proposal, statement of work, speaker agreement, or written confirmation between us. If anything there conflicts with these terms, that document wins for that engagement.
- Scope. Services are limited to what that agreement describes. Anything outside it is a new engagement and needs to be agreed separately.
- Payment. Fees, deposits, and timing are as stated in the agreement. Payments run through a third-party processor. I do not store your full card or bank details.
- Cancellation. Unless the agreement says otherwise, sessions cancelled with at least 48 hours' notice can be rescheduled once at no charge. Sessions cancelled with less notice, or missed, may be billed in full.
- Refunds. Deposits are non-refundable unless the agreement says otherwise, because they hold time I turn down other work for. Fees for services already delivered are non-refundable.
- No guaranteed results. I will bring real effort and honest opinion. I cannot and do not guarantee any specific business, financial, hiring, fundraising, audience, or career outcome. Outcomes depend on factors outside my control.
- Confidentiality. I will not share confidential information you give me in an engagement without your permission, and I will not write about your business in a way that identifies you without your written consent.
07
Digital products
If I sell downloadable products such as templates, guides, workbooks, or courses:
- Your licence. You get a personal, non-exclusive, non-transferable licence to use it for yourself or inside your own business. You may not resell it, redistribute it, share your access, publish it, or use it to build a competing product.
- Delivery. Products are delivered electronically. Giving a working email address and downloading the files is on you.
- Refunds. Because digital products are delivered immediately and cannot be returned, sales are final unless the product page says otherwise or the file is defective and I cannot fix it. If something is broken, email me and I will make it right.
- Availability. I may update, change, or retire a product at any time. If I retire one you already bought, you keep access to the version you purchased for as long as I am reasonably able to provide it.
08
Affiliate links and sponsored content
Some links on this Site and in my newsletter are affiliate links. If you click one and buy something, I may earn a commission at no extra cost to you. I also sometimes publish sponsored or paid partnership content.
I disclose these clearly and close to the relevant content, as the Federal Trade Commission's Endorsement Guides require. I only recommend things I have actually used or would genuinely recommend, and being paid does not change my honest opinion. Still, assume a financial relationship exists wherever a disclosure appears, and factor that in.
09
My content
All content on the Site, including essays, posts, quiz questions and reports, images, photographs, graphics, logos, colours, layouts, and the names "Unfiltered on Purpose" and "Sh*t That Hit The Fan," belongs to me or is used with permission, and is protected by copyright, trademark, and other laws.
What you may do: read it, link to it, quote a short excerpt with clear credit and a link back, and use anything I have explicitly marked as free to use.
What you may not do without my written permission:
- Republish, reproduce, or distribute my content in whole or in substantial part
- Remove my name, credit, or watermarks
- Use my content, name, likeness, or brand to imply I endorse you or your product
- Scrape, crawl, harvest, or use automated tools to extract content from the Site
- Use any content from this Site to train, fine-tune, or ground a machine learning or generative AI model, or to build a dataset for that purpose
If you want to reproduce something, ask. The answer is usually yes.
10
Things you submit
If you leave a comment, reply to an email, fill in a form, or message me, you keep ownership of what you wrote. You do give me permission to use, reproduce, and publish it in connection with my content, including quoting it in an essay or social post.
I will not publish your full name, email address, or identifying details without your permission. If you would rather I not quote you at all, say so and I will not.
Do not submit anything unlawful, abusive, harassing, defamatory, infringing, or containing someone else's confidential information. I can remove any submission, for any reason, without notice.
11
Links to other sites
The Site links to websites, platforms, and services I do not control. I am not responsible for their content, terms, privacy practices, or anything that happens once you leave. Read their terms.
12
Availability
I run this Site personally. I do not promise it will always be available, error-free, uninterrupted, or secure. I may change, suspend, or shut down any part of it at any time without notice.
13
Disclaimer of warranties
To the fullest extent permitted by law, the Site and everything on it is provided "as is" and "as available," without warranties of any kind, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. I do not warrant that the content is accurate, complete, current, or useful for your situation.
14
Limitation of liability
To the fullest extent permitted by law:
- I am not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost revenue, lost data, lost opportunity, or business interruption, arising out of your use of the Site or anything you read here, even if I was told those damages were possible.
- My total liability for any claim relating to the Site, the quiz, the newsletter, or free content will not exceed one hundred US dollars ($100).
- My total liability for any claim relating to a paid service or digital product will not exceed what you actually paid me for that service or product in the twelve months before the claim arose.
Some jurisdictions do not allow certain limitations of liability, so parts of this section may not apply to you.
15
Indemnification
You agree to indemnify and hold me harmless from any claim, demand, loss, liability, or expense, including reasonable legal fees, arising out of your use of the Site, your violation of these terms, your violation of any law, or your violation of anyone else's rights.
16
Privacy
How I collect, use, and protect your personal information is explained in my Privacy Policy, which forms part of these terms.
17
Changes to these terms
I may update these terms. When I do, the "Last updated" date changes. Material changes will be flagged on the Site or by email where reasonably possible. Continuing to use the Site after a change means you accept the updated terms.
18
Governing law and disputes
These terms are governed by the laws of the State of New Jersey, without regard to its conflict of laws rules.
If we have a dispute, let's try to solve it directly first. Email me and give me thirty days to work it out with you. If that does not resolve it, any claim will be brought exclusively in the state or federal courts located in New Jersey, and you consent to personal jurisdiction there. Any claim must be brought within one year of the event that gave rise to it, to the extent permitted by law.
19
The rest
- If any part of these terms is found unenforceable, the rest stays in effect.
- If I do not enforce a term right away, I have not waived it.
- These terms, plus the Privacy Policy and any engagement agreement between us, are the entire agreement about your use of the Site.
- You may not transfer your rights under these terms. I may transfer mine if my business is sold or reorganised.
Questions about these terms.
Parul Khosla
hello@parulkhosla.com
96 Clinton Ave, PMB 598
Newark, NJ 07114
Last updated: September 14, 2026
