INVESTOR CHARTER

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

To enter into an agreement with the client providing all details including fee details, aspect 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 in its website.
To disclose the name, proprietor name, type of registration, registration number, validity, complete address with telephone numbers and associated SEBI office details (i.e. Head office / regional / local office) on its website.
To employ only qualified and certified employees.
To deal with clients only from official number.
To maintain records of interactions with all clients including prospective clients (prior to onboarding), where any conversation related to advice has taken place.
To ensure that all advertisements are in adherence to the provisions of the Advertisement Code for Investment Advisers.
Not to discriminate in terms of services provided, among clients opting for same / similar products / services offered by investment adviser.

C. Details of services provided to investors (no indicative timelines)

Onboarding of Clients:

- Sharing of agreement copy

- Completing KYC of clients

Disclosure to Clients:

- To provide full disclosure about its business, affiliations, compensation in the

agreement.

- To not access client's accounts or holdings for offering advice.

- To disclose the risk profile to the client.

- To disclose any conflict of interest of the investment advisory activities with any other activities of

the investment adviser.

- To disclose the extent of use of Artificial Intelligence tools in providing investment advisory services.

To provide investment advice to the client based on the risk-profiling of the clients and suitability of the client.
To treat all advisory clients with honesty and integrity.
To make adequate disclosure to the investor of all material facts such as risks, obligations, costs, etc. relating to the products or securities advised by the adviser.
To provide clear guidance and adequate caution notice to clients when providing investment advice for dealing in complex and high-risk financial products/services.
To ensure confidentiality of information shared by clients unless such information is required to be provided in furtherance of discharging legal obligations or a client has provided specific consent to share such information.
To disclose the timelines for the various services provided by the investment adviser to clients and ensure adherence to the said timelines.

D. Details of grievance redressal mechanism and how to access it

1. Investors can lodge complaint / grievance against Investment Adviser in the following ways:

Mode of filing complaint 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 receipt of the

grievance.

Mode of filing the complaint on SCORES or with Investment Adviser Administration and

Supervisory Body (IAASB)

i. SCORES 2.0 (a web-based centralized grievance redressal system of SEBI for facilitating effective

grievance redressal in time-bound manner)

Two level review for complaint/grievance against investment adviser:

a) First review done by designated body (IAASB)

b) Second review done by SEBI

ii. Email to designated email ID of IAASB

2. If the Iinvestor is not satisfied with the resolution provided by the Market Participant, then the

Investor has the option to file the complaint / grievance on SMARTODR platform for its resolution

through online conciliation or arbitration.

3. With regard to physical complaints, investors may send their complaints to:

Office of Investor Assistance and Education,

Securities and Exchange Board of India,

SEBI Bhavan, Plot No. C4-A, 'G' Block, Bandra-Kurla Complex, Bandra (E),

Mumbai - 400051

E. 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 receive information about all the statutory and regulatory disclosures

Right to Fair & True Advertisement
Right to Awareness about Service Parameters and Turnaround Times
Right to be informed of the timelines for each service
Right to be Heard and Satisfactory Grievance Redressal
Right to have timely redressal
Right to Suitability of the Financial Products
Right to Exit from Financial product or service in accordance with the terms of agreement with the investment adviser
Right to receive clear guidance and caution notice when dealing in Complex and High-Risk Financial Products and Services
Additional Rights to vulnerable consumers

- Right to get access to services in a suitable manner even if differently abled

Right to provide feedback on the financial products and services used
Right against coercive, unfair, and one-sided clauses in financial agreements

F. Expectations from the investors (Responsibilities of investors)

Do’s

i. Always deal with SEBI registered Investment Advisers.

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

iii. Check for SEBI registration number.

Please refer to the list of all SEBI registered Investment Advisers which is available on SEBI website

iv. Pay only advisory fees to your Investment Adviser. Make payments of advisory fees through

banking channels only and maintain duly signed receipts mentioning the details of your payments:

You may make payment of advisory fees through Centralised Fee Collection Mechanism (CeFCoM)

of IAASB if investment adviser has opted for the mechanism.

v. Always ask for your risk profiling before accepting investment advice. Insist that Investment

Adviser provides advisory strictly on the basis of your risk profiling and take into account available

investment alternatives.

vi. Ask all relevant questions and clear your doubts with your Investment Adviser before acting on

advice.

vii. Assess the risk-return profile of the investment as well as the liquidity and safety aspects before

making investments.

viii. Insist on getting the terms and conditions in writing duly signed and stamped. Read these terms

and conditions carefully particularly regarding advisory fees, advisory plans, category of

recommendations etc. before dealing with any Investment Adviser.

ix. Be vigilant in your transactions.

x. Approach the appropriate authorities for redressal of your doubts / grievances.

xi. Inform SEBI about Investment Advisers offering assured or guaranteed returns.

xii. Always be aware that you have the right to exit the service of an Investment Adviser.

xiii. Always be aware that you have the right to seek clarifications and clear guidance on advice.

xiv. Always be aware that you have the right to provide feedback to the Investment Adviser in

respect of services received.

xv. Always be aware that you will not be bound by any clause, prescribed by the investment adviser,

which is contravening any regulatory provisions.

Don'ts

i. Don't fall for stock tips offered under the pretext of investment advice.

ii. Do not provide funds for investment to the Investment Adviser.

iii. Don't fall for the promise of indicative or exorbitant or assured returns by the Investment

Advisers.

iv. Don't let greed overcome rational investment decisions.

v. Don't fall prey to luring advertisements or market rumors.

vi. Avoid doing transactions only on the basis of phone calls or messages from any Investment

adviser or its representatives.

vii. Don't take decisions just because of repeated messages and calls by viii. Investment Advisers.

viii. Do not fall prey to limited period discount or other incentive, gifts, etc offered by Investment

advisers.

ix. Don't rush into making investments that do not match your risk taking appetite and investment

goals.

x. Do not share login credential and password of your trading and demat accounts with the

Investment Adviser.