SEBI MANDATE

Investor Charter

A. Vision

Invest with knowledge & safety.

B. Mission

Every investor should be able to invest in right investment products based on their needs, manage and monitor them to meet their goals, access reports and enjoy financial wellness.

C. Details of Business Transacted by the Investment Adviser

To enter into an agreement with the client providing all details including fee details, aspects of conflict of interest disclosure and maintaining confidentiality of information.
To do a proper and unbiased risk profiling and suitability assessment of the client.
To conduct audit annually.
To disclose the status of complaints on the website.
To disclose registration details, office address and contact information on the website.
To employ only qualified and certified employees.
To deal with clients only from official contact numbers.
To maintain records of interactions with all clients, including prospective clients, where investment advice has been discussed.
To ensure that all advertisements comply with SEBI's Advertisement Code.
Not to discriminate among clients opting for the same or similar advisory services.

D. Services Provided to Investors

Client Onboarding

Sharing of the advisory agreement.
Completion of Know Your Client (KYC) formalities.

Disclosures to Clients

Full disclosure regarding business, affiliations and compensation.
The Investment Adviser shall not access the client's accounts or holdings for offering advice.
Disclosure of the client's risk profile.
Disclosure of any conflict of interest.
Disclosure of the extent of use of Artificial Intelligence tools, if any, in providing investment advisory services.

Advisory Services

Provide investment advice based on the client's risk profile and suitability.
Treat all advisory clients with honesty and integrity.
Disclose all material facts including risks, obligations and costs.
Provide appropriate caution when advising on complex or high-risk financial products.
Maintain confidentiality of client information except where disclosure is required by law or with the client's consent.
Disclose timelines for services and adhere to those timelines.

E. Grievance Redressal Mechanism

Include the following information:

Clients should first approach the Investment Adviser for grievance resolution.
Every effort shall be made to resolve grievances within 21 days.
If unresolved, complaints may be lodged through SCORES 2.0.
Complaints may also be escalated through the Investment Adviser Administration and Supervisory Body (IAASB).
If still unresolved, investors may approach the SMART ODR platform for online conciliation or arbitration.
Physical complaints may also be submitted to SEBI's Office of Investor Assistance and Education.

F. Rights of Investors

Right to Privacy and Confidentiality
Right to Transparent Practices
Right to Fair and Equitable Treatment
Right to Adequate Information
Right to Initial and Continuing Disclosure
Right to Fair and True Advertisement
Right to Awareness about Service Parameters and Turnaround Times
Right to be informed of service timelines
Right to be Heard and Satisfactory Grievance Redressal
Right to timely redressal
Right to Suitability of Financial Products
Right to Exit from Financial Products or Services as per the advisory agreement
Right to receive guidance while dealing in Complex and High-Risk Financial Products
Additional Rights for Vulnerable Consumers
Right to provide feedback
Right against coercive, unfair and one-sided contractual clauses.

G. Responsibilities of Investors

Do's

Deal only with SEBI Registered Investment Advisers.
Verify the validity of the adviser's registration.
Check the SEBI Registration Number.
Pay advisory fees only through authorised banking channels and maintain payment records.
Ensure risk profiling is completed before receiving advice.
Ask questions and seek clarifications whenever required.
Understand the risk-return characteristics of investments.
Read and sign the advisory agreement carefully.
Remain vigilant in all transactions.
Use the prescribed grievance redressal mechanisms.
Inform SEBI about advisers promising assured returns.
Exercise the right to exit the advisory relationship.
Seek clarifications whenever required.
Provide feedback on services.
Do not accept contractual clauses contrary to SEBI regulations.

Don'ts

Do not act on stock tips disguised as investment advice.
Do not transfer investment funds to the Investment Adviser.
Do not believe promises of assured or guaranteed returns.
Do not rely on rumours or misleading advertisements.
Avoid acting solely on phone calls or unsolicited messages.
Do not make investment decisions due to repeated marketing calls.
Do not be influenced by discounts, gifts or incentives.
Do not invest beyond your risk appetite.
Never share trading, demat or banking credentials with the Investment Adviser.

Monthly Investor Complaint Disclosure

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