Investor Charter

• 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.
   

• 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 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.
   

• Onboarding of Clients
   
  • Sharing of agreement copy
     
  • Completing KYC of clients
     
• Disclosure to Clients
   
  • Provide full disclosure about business, affiliations, compensation in the agreement
     
  • Not access client’s accounts or holdings for offering advice
     
  • Disclose the risk profile to the client
     
  • Disclose any conflict of interest
     
  • Disclose the extent of use of Artificial Intelligence tools in providing investment advisory services
     
• Provide investment advice based on client risk-profiling and suitability
   
• Treat all advisory clients with honesty and integrity
   
• Make adequate disclosures of all material facts such as risks, obligations, costs, etc.
   
• Provide clear guidance and caution for complex/high-risk products
   
• Ensure confidentiality of client information unless disclosure is legally required or consented
   
• Disclose service timelines and adhere to them
   

1. Filing Complaint with Investment Adviser
   Investor may approach the Investment Adviser directly who shall resolve the grievance within 21 days.
    
2. Filing Complaint on SCORES or with IAASB
    
   • SCORES 2.0: SEBI’s online complaint system
      
     • First review: IAASB
        
     • Second review: SEBI
        
   • Email to IAASB designated email ID
      

1. If not satisfied:
   Investor may use SMARTODR platform for online conciliation or arbitration.
    
2. Physical Complaints:
   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 - 400 051
    

• 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 

•  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 in the following link:  https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doRecognisedFpi=yes&intmId=13)  

• 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. Don’t let greed overcome rational investment decisions. 

•  iv.Don’t fall prey to luring advertisements or market rumors.   

• v.Avoid doing transactions only on the basis of phone calls or messages from any  Investment adviser or its representatives.  

• vi. Don’t take decisions just because of repeated messages and calls by Investment Advisers. 

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

•  viii. Don’t rush into making investments that do not match your risk taking appetite and  investment goals.  

•  ix. Do not share login credential and password of your trading, demat or bank accounts  with the Investment Adviser.