Investor Charter Annexure A

A. Vision and Mission Statements for Investors 

• Vision
  Invest with knowledge & safety.

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

B. Details of Business Transacted by the Investment Adviser with Respect to the Investors

1. To Enter into an Agreement
   We will enter into a formal agreement with the client, providing all necessary details, including fees, conflict of interest disclosure, and confidentiality clauses.

2. Proper Risk Profiling and Suitability Assessment
   A proper and unbiased risk profiling and suitability assessment of the client will be conducted.

3. Annual Audit
   We will conduct an audit annually to ensure compliance with SEBI regulations.

4. Complaints Disclosure
   We will disclose the status of complaints on our website for full transparency.

5. Complete Contact Information
   We will disclose the name, proprietor name, type of registration, registration number, validity, and complete address with telephone numbers of our office and the associated SEBI regional/local office.

6. Qualified and Certified Employees
   Only qualified and certified employees will be employed to provide advisory services.

7. Official Communication
   We will only deal with clients from official communication channels.

8. Maintain Records of Interaction
   We will maintain records of all interactions with clients, including prospective clients, where any advice has been given.

9. Advertisements Compliance
   All advertisements will comply with the provisions of the Advertisement Code for Investment Advisers.

10. Non-Discriminatory Services
    We will ensure that no discrimination occurs in the services provided among clients opting for similar products/services.

C. Details of Services Provided to Investors (No Indicative Timelines)

1. Onboarding of Clients

   • Sharing of agreement copy.

   • Completing KYC of clients.

2. Disclosure to Clients

   • We will provide full disclosure about the business, affiliations, and compensation in the agreement.

   • Risk profiling of the client will be disclosed.

   • Any conflict of interest related to investment advisory activities will be disclosed.

   • We will disclose the extent of use of Artificial Intelligence tools in providing advisory services.

3. Investment Advice

   • We will provide investment advice to clients based on their risk profile and suitability.

   • We will treat all advisory clients with honesty and integrity.

   • Adequate disclosure will be made to clients regarding risks, obligations, costs, and products.

   • We will provide clear guidance and adequate caution when advising on complex and high-risk products.

4. Confidentiality

   • We will ensure the confidentiality of information shared by clients unless disclosure is legally required or with specific consent.

5. Timelines for Services

   • Timelines for various services will be disclosed and adhered to.

D. Details of Grievance Redressal Mechanism and How to Access It

1. Investor Complaint Lodging
   Investor can lodge complaint/ grievance against Investment Adviser in the following ways :                                                             

   • Mode of filing the compliant with investment adviser

In case of any grievance / complaint, an investor may approach the concerned. Investment Adviser who shall strive to redress the grievance immediately, but not later than 21 days of the receipt of the grievance.

• Mode of filing the compliant on SCORES or with Investment Adviser Administration and Supervisory Body (IAASB)

• Filing Complaints on SCORES Platform

• SCORES2.0 (a web based centralized grievance redressal system of SEBI for facilitating effective grievance redressal in time-bound manner (https://scores.sebi.gov.in)

• Two-Level Review:

  • First review by IAASB.

  • Second review by SEBI.

3. SMARTODR Platform
   If dissatisfied with the resolution, investors may opt for conciliation or arbitration via the SMARTODR platform.

4. Physical Complaints
   For physical complaints, investors can send their complaints to:
   Office of Investor Assistance and Education,
   Securities and Exchange Board of India (SEBI),
   SEBI Bhavan, Plot No. C4-A, 'G' Block, Bandra-Kurla Complex,
   Bandra (E), Mumbai – 400 051.

E. Rights of Investors

1. Right to Privacy and Confidentiality
   Investors have the right to privacy and confidentiality of their information.

2. Right to Transparent Practices
   Investors have the right to transparent practices regarding fees, services, and risks.

3. Right to Fair and Equitable Treatment
   Investors will be treated fairly and equitably, with no discrimination.

4. Right to Adequate Information
   Investors have the right to complete and accurate information about the products and services being offered.

5. Right to Ongoing Disclosure
   Investors have the right to receive disclosures related to advisory services, products, and risks.

6. Right to Receive Clear and Honest Advertising
   Investors have the right to advertisements that are truthful and not misleading.

7. Right to Be Informed of Timelines
   Investors have the right to be informed about timelines for services provided.

8. Right to a Satisfactory Grievance Redressal
   Investors have the right to prompt and fair redressal of complaints.

9. Right to Exit
   Investors have the right to exit from financial products/services as per the terms of the agreement.

10. Additional Rights for Vulnerable Consumers
    Investors with disabilities have the right to access services in a manner suitable to their needs.

F. Expectations from the investors (Responsibilities of investors)

• Do's:

1. Always deal with SEBI-registered Investment Advisers.

2. Ensure that the Investment Adviser has a valid registration certificate.

3. Pay only advisory fees through official banking channels and keep proper records.

4. Ensure the Investment Adviser provides risk profiling before offering advice.

5. Ask relevant questions and clear all doubts before accepting advice.

6. Carefully read and understand the terms and conditions of the advisory services.

7. Approach authorities for grievance resolution if needed.

• Don’ts:

1. Do not engage with unregistered or unlicensed advisers.

2. Avoid payments outside official channels or without receipts.

3. Do not accept advice from unverified sources or misleading advertisements.

4. Don’t invest based on pressure from unsolicited phone calls or messages.

5. Don’t fall for claims of guaranteed or excessive returns.

6. Avoid decisions based on rumors or misleading advertisements.

7. Do not share your personal information or login credentials with advisers.