SEBI Mandated Disclosure
Investor Charter
In respect of Investment Adviser (IA) — as mandated by the Securities and Exchange Board of India (SEBI).
Applicable to: Partha Harshal Deshpande · SEBI Reg. No. INA000022321 · Individual Investment Adviser
A. Vision and Mission
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.
B. What We Do for Investors
- Enter into a written agreement with the client providing all details including fee structure, conflict-of-interest disclosures, and confidentiality obligations.
- Conduct proper and unbiased risk profiling and suitability assessment before providing any advice.
- Conduct an annual compliance audit.
- Disclose the status of complaints on this website.
- Disclose registration details, registered address, telephone numbers, and SEBI office details on this website.
- Employ only qualified and certified personnel.
- Deal with clients only from the official registered contact number and email.
- Maintain records of all interactions with clients and prospective clients where investment-related conversations occurred.
- Ensure all communications and advertisements comply with SEBI's Advertisement Code for Investment Advisers.
- Not discriminate in services provided among clients opting for the same or similar plans.
C. Services Provided to Investors
The following services are provided subject to the execution of a signed Investment Advisory Agreement and completed risk profiling:
Onboarding
- Sharing of the Investment Advisory Agreement for review and signing.
- Completing KYC of clients as required.
- Conducting risk profiling questionnaire and communicating the assessed risk score and category to the client.
Ongoing Disclosures to Clients
- Full disclosure of business, affiliations, and compensation structure in the agreement.
- No access to client's trading, demat, or bank accounts.
- Disclosure of risk profile to the client before and during advisory engagement.
- Disclosure of any conflict of interest in advisory activities.
- Disclosure of the extent of use of Artificial Intelligence tools in investment advisory (see Disclosures page).
- Investment advice based strictly on the client's risk profile and suitability.
- Adequate disclosure of material facts — risks, obligations, and costs — related to advised products.
- Confidentiality of all client information unless legally required to disclose.
Service Timelines
| Grievance resolution | Within 21 working days of receipt |
| First advisory session after onboarding | Within 7 days of agreement execution |
| Portfolio review (Annual Advisory clients) | Quarterly |
| Response to client queries (email/WhatsApp) | Within 2 business days |
| Termination notice requirement | 30 days written notice by either party |
D. Grievance Redressal Mechanism
If you have any grievance, please follow the escalation steps below in order:
Reach out to Partha Harshal Deshpande (Compliance Officer). We aim to resolve all grievances within 21 working days.
Phone: +91 8380089633 · Email: partha0799@gmail.com
Address: 1117/4, Krishnakunj, Nargis Dutt Road, Model Colony, Shivajinagar, Pune, Maharashtra 411016
Working hours: Mon – Sat, 9:00 AM – 5:00 PM
If unresolved within 21 days, file a complaint on SEBI's SCORES platform. Complaints are first reviewed by the designated body (IAASB), then by SEBI.
scores.sebi.gov.in
If still unsatisfied after SCORES, initiate online conciliation or arbitration through the Smart ODR platform.
smartodr.in
Office of Investor Assistance and Education, Securities and Exchange Board of India, SEBI Bhavan, Plot No. C4-A, 'G' Block, Bandra-Kurla Complex, Bandra (East), Mumbai – 400051.
E. Your Rights as an Investor
Your personal and financial information will not be shared without your consent, except as required by law.
Right to full disclosure of how the adviser earns, their affiliations, and any conflicts of interest.
Right to receive complete information about risks, obligations, costs, and products before making any decision.
Right to receive advice only on products that are suitable for your assessed risk profile and financial goals.
Right to accurate, non-misleading information in all communications and marketing materials.
Right to be informed of timelines for each service and to expect adherence to those timelines.
Right to timely, fair resolution of any complaints or disputes through the escalation mechanism above.
Right to terminate the advisory relationship at any time in accordance with the terms of the agreement, with a 30-day written notice.
Right to receive clear guidance and caution notice when advised to deal in complex or high-risk financial products.
Right to provide feedback on the services received and to have it acknowledged.
F. Investor Responsibilities
✓ Do's
- Always deal with SEBI registered Investment Advisers — verify registration at sebi.gov.in.
- Pay only advisory fees to your Investment Adviser through banking channels (not cash).
- Always ask for your risk profiling before accepting investment advice.
- Ask all relevant questions and clear your doubts before acting on any advice.
- Assess the risk-return profile, liquidity, and safety before investing.
- Insist on getting all terms and conditions in writing, duly signed.
- Be vigilant in your transactions and keep your contact details updated with the adviser.
- Inform SEBI about advisers offering assured or guaranteed returns.
- Know that you have the right to exit the service, seek clarifications, and provide feedback.
✗ Don'ts
- Don't fall for stock tips offered under the guise of investment advice.
- Never provide funds for investment directly to the Investment Adviser's account.
- Don't believe in promises of indicative, exorbitant, or assured returns.
- Don't let greed override rational investment decisions.
- Avoid decisions based solely on phone calls or messages from any adviser.
- Don't rush into limited-period offers, gifts, or incentives from advisers.
- Don't invest in products that don't match your risk appetite.
- Never share login credentials, passwords, or OTPs for your trading, demat, or bank accounts with anyone — including your adviser.
Questions about your rights?
Reach us at +91 8380089633 or partha0799@gmail.com