Investor Charter in respect of Investment Adviser (IA)

• 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 obtain registration with Know Your Client Registration Agency (KRA) and Central Know
  Your Customer Registry (CKYC).
• 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 regional/local Office
  details in 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
  • 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 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.

i.  In case of any grievance / complaint, an investor should approach the concerned
Investment Adviser and shall ensure that the grievance is resolved within 30 days.

Advisors Registration Details
Name : Preeti Zende | RIA No: INA000012777 |
Reg. Type: Individual | Validity: Perpetual
Reg. address: C 27, Purvanchal CHS, Near Prajapati Hall, Sector 1 Airoli Navi
Mumbai 400708
Email : preetikz@gmail.com

ii.  If the investor’s complaint is not redressed satisfactorily, one may lodge a complaint with
SEBI on SEBI’s ‘SCORES’ portal which is a centralized web based complaints redressal
system. SEBI takes up the complaints registered via SCORES with the concerned
intermediary for timely redressal. SCORES facilitates tracking the status of the complaint.
https://scores.gov.in/scores/Welcome.html or you may also write to any of the offices of SEBI. SCORES may be
accessed thorough SCORES mobile application as well, same can be downloaded from
below link:
https://play.google.com/store/apps/details?id=com.ionicframework.sebi236330

iii.  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 – 400 051.

Two-level review for complaint/grievance against investment adviser:

First review done by the designated body (IAASB)
Second review done by SEBI

ii) Email to the designated email ID of IAASB

2) If the Investor is not satisfied with the resolution provided by the Market Participants, then the Investor has the option to file the complaint/ grievance on the SMARTODR platform for its resolution through online conciliation or arbitration.

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 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.
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.

Don’ts
xii. Don’t fall for stock tips offered under the pretext of investment advice.
xiii. Do not provide funds for investment to the Investment Adviser.
xiv. 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.
xv. Don’t fall prey to luring advertisements or market rumors.
xvi. Avoid doing transactions only on the basis of phone calls or messages from any Investment
adviser or its representatives.
xvii. Don’t take decisions just because of repeated messages and calls by Investment Advisers.
xviii.Do not fall prey to limited period discount or other incentive, gifts, etc. offered by Investment
advisers.
xix. Don’t rush into making investments that do not match your risk taking appetite and
investment goals.
xx. Do not share login credential and password of your trading and demat accounts with the
Investment Adviser.

• 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 a Financial product or service in accordance with the terms of the agreement with the investment adviser
• Right to receive clear guidance and a 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.