Investor Charter in respect of Investment Advisers

A. Vision and Mission Statements for Investors

Vision: Invest with knowledge & safety.

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.

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, 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, and to conduct an audit annually.
To disclose the status of complaints on its website.
To disclose the name, proprietor name, type of registration, registration number, validity, complete address with telephone numbers and associated SEBI office details (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 the same/similar products or services.

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

Onboarding of clients, sharing of agreement copy, and completing KYC of clients.

Disclosure to Clients:

To provide full disclosure about its business, affiliations and compensation in the agreement.
To not access a 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 and suitability of the client.
To treat all advisory clients with honesty and integrity.
To make adequate disclosure of all material facts such as risks, obligations and costs relating to the products or securities advised.
To provide clear guidance and adequate caution notice to clients when advising on complex and high-risk financial products/services.
To ensure confidentiality of information shared by clients unless required by law or with the client's specific consent.
To disclose the timelines for the various services provided and ensure adherence to those timelines.

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

Mode of filing a complaint with the 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 the Investment Adviser Administration and Supervisory Body (IAASB):

SCORES 2.0 — SEBI's web-based centralized grievance redressal system (scores.sebi.gov.in), with a two-level review: first by the designated body (IAASB) and second by SEBI.
Email to the designated email ID of IAASB.

If not satisfied with the resolution, the investor may lodge the grievance on the SMARTODR platform for resolution through online conciliation or arbitration.

Physical complaints may be sent to: 03 Turner Road, 6th Floor, CST No. F1, Above Rel. Office, Bandra West, Mumbai, Maharashtra, 400050.

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 of all 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 to Satisfactory Grievance Redressal, including timely redressal
Right to Suitability of the Financial Products
Right to Exit from a Financial Product or Service in accordance with the agreement
Right to Receive Clear Guidance and Caution Notice on Complex and High-Risk Products
Additional rights for vulnerable consumers, including access to services in a suitable manner even if differently abled
Right to Provide Feedback on 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

Always deal with SEBI-registered Investment Advisers and verify their valid registration certificate and SEBI registration number (see the list of registered IAs on the SEBI website).
Pay only advisory fees, only through banking channels, and maintain duly signed receipts. Payment may be made through the Centralised Fee Collection Mechanism (CeFCoM) of IAASB where the adviser has opted for it.
Always ask for your risk profiling before accepting investment advice, and insist that advice is given strictly on that basis.
Ask all relevant questions and clear your doubts before acting on advice.
Assess the risk-return profile, liquidity and safety of an investment before investing.
Insist on written, signed and stamped terms and conditions, and read them carefully — especially fees, plans and categories of recommendations.
Be vigilant in your transactions and approach the appropriate authorities for redressal of doubts or grievances.
Inform SEBI about Investment Advisers offering assured or guaranteed returns.
Remember you have the right to exit the service, seek clarifications, give feedback, and that you are not bound by any clause that contravenes regulatory provisions.

Don'ts

Don't fall for stock tips offered under the pretext of investment advice.
Do not provide funds for investment to the Investment Adviser.
Don't fall for promises of indicative, exorbitant or assured returns — don't let greed override rational decisions.
Don't fall prey to luring advertisements, market rumours, or limited-period discounts, incentives or gifts.
Avoid transacting solely on the basis of phone calls or messages, or because of repeated calls/messages.
Don't rush into investments that don't match your risk appetite and goals.
Do not share login credentials or passwords of your trading, demat or bank accounts with the Investment Adviser.