SEBI Disclosures

Nodal Officer

• I accept payment only towards advisory fees. I do not, at any point, accept or hold your funds or securities.
• I do not assure returns of any kind. All advice is subject to market risk, with no guarantee that your objectives will be achieved.
• Assured or fixed-return schemes are illegal — I will never offer one.
• My advice covers securities and investment products regulated by SEBI. Where any non-SEBI-regulated product is discussed, I will disclose this specifically and seek your acknowledgment first.
• I cannot execute any trade on your behalf. Every transaction requires your own explicit action — never authorise me to place orders for you.
• Fee ceiling: up to ₹1,51,000 per annum per family of client under the Fixed Fee mode, or up to 2.5% per annum of Assets under Advice (AUA) — whichever mode applies to you, as set out in your agreement.
• Advance fees, if collected, are capped at two quarters and require your consent. On early termination, any unused advance is refunded, net of a breakage fee capped at one quarter's fee.
• Fees may be paid only by cheque, bank transfer, UPI, or the Centralised Fee Collection Mechanism (CeFCoM) — never in cash.
• You're asked to share accurate, complete financial information so the advice given is genuinely suitable for you.
• I carry out risk profiling before advising you, and again periodically, and will always share your assessed risk profile with you.
• I do not combine advisory services with commission-based distribution for the same family of client.
• SEBI registration, membership of BASL, and NISM certification do not guarantee my performance or your returns.
• Please keep your contact details updated with me at all times.
• I will never ask you for your trading account login, password, or OTP — never share these with me or anyone claiming to represent me.

A. Vision & mission for investors

Vision: Invest with knowledge & safety.

Mission: Every investor should be able to invest in the right products based on their needs, manage and monitor them to meet their goals, access reports, and enjoy financial wellness.

B. What I'm required to do as your Investment Adviser

• Enter into a written agreement covering fee details, conflicts of interest, and confidentiality of your information.
• Carry out a proper, unbiased risk-profiling and suitability assessment before advising.
• Register with a KYC Registration Agency (KRA) and Central KYC Registry (CKYC).
• Undergo an annual compliance audit.
• Disclose complaints status on this website.
• Disclose my name, registration type, registration number, validity, address, and SEBI regional office on this website.
• Deal with clients only from official, registered contact channels.
• Maintain records of every advice-related interaction with clients and prospective clients.
• Employ only qualified and NISM-certified employees.
• Ensure all advertisements adhere to the Advertisement Code prescribed for Investment Advisers.
• Not discriminate among clients availing the same or similar products or services, except on the basis of quantum of assets or fee mode chosen.

C. Services provided to investors

• Onboarding, agreement, and KYC completion.
• Full disclosure of my business, affiliations, and compensation in the agreement.
• I will never access your account or holdings directly to offer advice.
• Your risk profile is disclosed back to you.
• Advice is given strictly based on your risk-profiling and suitability — never generic.
• Disclosure of any conflict of interest between my investment advisory activity and any other activity I undertake.
• Disclosure of the extent of use of Artificial Intelligence (AI) tools, if any, in providing investment advisory services to you.
• Disclosure of timelines for the various services provided, and adherence to those timelines.
• Adequate disclosure of all material facts relating to risks, obligations, and costs associated with the advice given, including caution regarding complex and high-risk products.

D. Grievance redressal — how to access it

• Approach me directly first — I aim to resolve any grievance immediately, and not later than 21 days of receipt (per SEBI's SCORES 2.0 timeline).
• If unresolved, lodge a complaint on SEBI's SCORES portal (scores.sebi.gov.in), which tracks the complaint through to resolution.
• For 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.

E. Rights of investors

• Right to privacy and confidentiality of information shared with me.
• Right to transparent practices in dealings with me.
• Right to fair and equitable treatment, without discrimination on grounds such as gender, age, or disability.
• Right to adequate information about products, services, and terms before making an investment decision.
• Right to receive advice suitable to your risk profile and financial goals.
• Right to disclosure of all conflicts of interest and material facts relevant to the advice given.
• Right to be free from unfair or coercive advertising or sales practices.
• Right to awareness of service parameters and timelines, and to hold me accountable for adherence to them.
• Right to prompt grievance redressal, including access to SCORES and the ODR portal.
• Right to exit the advisory relationship, subject to the terms of your agreement.
• Right to seek clarification and guidance before acting on any advice, particularly for complex or high-risk products.
• Additional rights available to vulnerable categories of investors, such as senior citizens.
• Right to give feedback on services received.
• Right to accessible digital platforms and services, including for persons with disabilities.
• Right to not be bound by any clause in an agreement that is contrary to SEBI's regulations or circulars.

F. What's expected of you as an investor

Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the IA or provide any assurance of returns to investors. Investment in securities market are subject to market risks. Read all related documents carefully before investing.