Annexure 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.

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, conflict of interest disclosure, and confidentiality of information.
• To do proper and unbiased risk profiling and suitability assessment.
• To conduct annual audit.
• To disclose the status of complaints on its website.
• To disclose adviser details and SEBI office details on its website.
• To employ only qualified and certified employees.
• To deal with clients only from official numbers.
• To maintain records of all interactions with clients and prospects.
• To ensure advertisements comply with the Advertisement Code.
• Not to discriminate among clients using similar products/services.

Details of Services Provided to Investors (No Indicative Timelines)

• Onboarding of Clients
• Sharing of agreement copy
• Completing KYC of clients
• Disclosure to Clients
• Provide full business disclosures including compensation and affiliations.
• Do not access client accounts or holdings to offer advice.
• Disclose the client's risk profile.
• Disclose conflicts of interest.
• Disclose the use of AI tools in advice.
• Base advice on risk profiling and suitability.
• Treat clients with honesty and integrity.
• Disclose all material facts and risks.
• Provide clear guidance and caution on high-risk products.
• Ensure confidentiality of client information.
• Disclose and adhere to service timelines.

Details of Grievance Redressal Mechanism and How to Access It

Grievance Filing with IA: Investor may approach the IA, who shall redress grievances within 21 days.

Online Complaint via SCORES 2.0: https://scores.sebi.gov.in

Two-level Review:

• First review by IAASB
• Second review by SEBI

Email to designated email ID of IAASB.

SMARTODR Platform: For unsatisfied resolutions, investors may file via SMARTODR for online conciliation/arbitration.

Physical Complaints:
Office of Investor Assistance and Education, SEBI,
SEBI Bhavan, Plot No. C4-A, ‘G’ Block,
Bandra-Kurla Complex, Bandra (E),
Mumbai - 400 051

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 Fair & True Advertisement
• Right to Awareness of Service Parameters and Timelines
• Right to be Heard and Satisfactory Grievance Redressal
• Right to Suitability of Financial Products
• Right to Exit Financial Products as per Agreement
• Right to Caution and Guidance on High-Risk Products
• Right to Additional Support for Vulnerable Consumers
• Right to Provide Feedback
• Right against Coercive or Unfair Clauses

Expectations from the Investors (Responsibilities)

Do’s

• Deal only with SEBI registered IAs and verify registration.
• Pay advisory fees only through official banking channels.
• Ask for risk profiling before acting on advice.
• Clarify all doubts before investment decisions.
• Assess risk-return profile, liquidity, and safety before investing.
• Insist on signed and stamped terms and conditions.
• Be vigilant and proactive about your investments.
• Report violations or misleading practices to SEBI.
• Exercise your right to exit and seek clarifications.

Don’ts

• Don’t fall for stock tips disguised as advice.
• Never transfer funds to IAs for investment purposes.
• Don’t believe in assured or exaggerated returns.
• Don’t rely only on phone calls or messages.
• Don’t respond to pressure tactics or limited-period offers.
• Don’t share login credentials or passwords with IAs.