Investor Charter – Annexure A

1. 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.

2. Details of Business Transacted by FEE-ONLY

Enter into agreements with clients including fee details, conflict of interest disclosures, and confidentiality.
Conduct unbiased risk-profiling and suitability assessment of the client.
Conduct annual audits.
Disclose the status of complaints on the website.
Provide full details of registration, address, and SEBI office information on the website.
Employ only qualified and certified employees.
Interact with clients only through official numbers.
Maintain records of all client interactions, including pre-onboarding discussions.
Ensure advertisements comply with the Advertisement Code for Investment Advisers.
Treat clients equally without discrimination.

3. Details of Services Provided to Investors

Onboarding of Clients

Sharing agreement copies.
Completing client KYC.

Disclosure to Clients

Provide full disclosure about business, affiliations, and compensation.
Do not access client accounts without permission.
Disclose risk profiles and conflicts of interest.
Disclose extent of AI usage in advisory services.
Provide advice based on client risk profiling and suitability.
Treat clients honestly and with integrity.
Disclose all material facts, risks, obligations, and costs.
Provide clear guidance for complex and high-risk financial products.
Ensure confidentiality of client information unless legally required.
Follow timelines for services and inform clients accordingly.

4. Grievance Redressal Mechanism

Investors can lodge complaints in the following ways:

With the Investment Adviser

Complaints should be addressed within 21 days of receipt.

With SCORES / IAASB

i. SCORES 2.0: https://scores.sebi.gov.in
Two-level review: First by IAASB, second by SEBI.
ii. Email to IAASB designated email.

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

5. 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 statutory and regulatory information.
Right to fair & true advertisement.
Right to awareness of service parameters and turnaround times.
Right to timely grievance redressal.
Right to suitability of financial products.
Right to exit from financial products/services per agreement.
Right to clear guidance when dealing with complex and high-risk products.
Additional rights for vulnerable consumers.
Right to accessible services for differently-abled clients.
Right to provide feedback on services used.

6. Expectations from Investors (Responsibilities)

Do’s

Deal only with SEBI-registered Investment Advisers.
Ensure the adviser has a valid registration certificate and check SEBI registration number.
List of SEBI Registered Advisers
Pay advisory fees only through banking channels and maintain receipts.
Ask for risk profiling before accepting advice.
Clear doubts before acting on advice.
Assess risk–return, liquidity, and safety before investing.
Ensure terms and conditions are documented and signed.
Be vigilant in all transactions.
Approach authorities for redressal if needed.
Report advisers offering assured or guaranteed returns.
Know your right to exit the service.
Seek clarifications and guidance as needed.
Provide feedback on services received.
Do not accept any clauses violating regulations.

Don’ts

Do not follow stock tips under the guise of advice.
Do not provide funds directly to the adviser.
Avoid promises of indicative/exorbitant returns.
Do not act solely on calls or messages.
Do not be lured by discounts, gifts, or incentives.
Do not rush into investments that do not match your goals.
Do not share login credentials or passwords.