Investor Charter

 Trust  Compliance  Investor Charter

Investor Charter

The Investor Charter serves as a fundamental understanding between investors and businesses, emphasizing transparency, ethical conduct, and mutual values. Investors pledge to conduct comprehensive due diligence, while businesses commit to transparency and sustainability.

Investor Charter - Investment Adviser (IA)

OneBanc Technologies Private Limited (”OneBanc“) is a Securities and Exchange Board of India (”SEBI“)-registered Investment Adviser having registration number INA000020174.

Vision and Mission Statement

Vision : Invest with knowledge and 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.

Business Transacted by the Investment Adviser

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 the Know Your Client Registration Agency (KRA) and the Central Know Your Customer Registry (CKYC).

To conduct audits annually.

To disclose the status of complaints on 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 numbers.

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 the investment adviser.

Services Provided

Onboarding of Clients
- Sharing of agreement copy
- Completing KYC of clients

Disclosure to Clients
- 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 disclose any conflict of interest of the investment advisory activities with any other activities of the investment adviser.
- To disclose the extent of use of artificial intelligence tools in providing investment advisory services.
- 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.

Grievance Redressal

The investor can lodge a complaint / grievance against the investment adviser in the following ways:

Mode of filing the complaint with the investment adviser : In case of any grievance / complaint, an investor may approach the investment adviser who shall strive to redress the grievance immediately, but not later than 21 (twenty-one) days of the receipt of the grievance. Investors may reach out to the following:

Designation	Name	Contact No	Email ID
Customer Care	Tanvi Aggarwal	+919821790918	hi@onebanc.ai
Head of Customer Care	Ankur Jindal	+919266534599	hi@onebanc.ai
Compliance Officer	Anjum Ansari	+917974754966	compliance@onebanc.ai
CEO	Vibhore Goyal	01244488271	ceo@onebanc.ai
Principal Officer	Anjum Ansari	+917974754966	compliance@onebanc.ai

Mode of filing the complaint on SCORES or with Investment Adviser Administration and Supervisory Body (”IAASB“) :
- SCORES 2.0 https://scores.sebi.gov.in/ a web based centralized grievance redressal system of SEBI for facilitating effective grievance redressal in time-bound manner.
- Email to designated email ID of IAASB
- Two level review for complaint / grievance against investment adviser: First review done by the IAASB and Second review done by SEBI
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.
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.

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 information about all the statutory and regulatory disclosures

Right to fair and 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 the financial product or service in accordance with the terms of the agreement with the investment adviser

Right to receive clear guidance and 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

Responsibilities of Investors

Do's

Always deal with SEBI registered investment advisers.

Ensure that the investment adviser has a valid registration certificate.

Check for the SEBI registration number.

Please refer to the list of all SEBI Registered Investment Advisers which is available on SEBI's website at the following link.

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. The investor may make payment of advisory fees through the Centralised Fee Collection Mechanism of IAASB if the investment adviser has opted for the mechanism.

Make payments of advisory fees through banking channels only and maintain duly signed receipts mentioning the details of your payments.

Always ask for your risk profiling before accepting investment advice. Insist that the investment adviser provides advisory strictly on the basis of your risk profiling and take into account available investment alternatives.

Ask all relevant questions and clear your doubts with your investment adviser before acting on advice.

Assess the risk-return profile of the investment as well as the liquidity and safety aspects before making investments.

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.

Be vigilant in your transactions.

Approach the appropriate authorities for redressal of your doubts / grievances.

Inform SEBI about investment advisers offering assured or guaranteed returns.

Always be aware that you have the right to exit the service of an investment adviser.

Always be aware that you have the right to seek clarifications and clear guidance on advice

Always be aware that you have the right to provide feedback to the investment adviser in respect of services received.

Always be aware that you will not be bound by any clause, prescribed by the investment adviser, which is contravening any regulatory provisions.

Don't

Don't fall for stock tips offered under the pretext of investment advice.

Do not provide funds for investment to the investment adviser.

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.

Avoid doing transactions only on the basis of phone calls or messages from any investment adviser or its representatives.

Don't take decisions just because of repeated messages and calls by investment advisers.

Do not fall prey to limited period discount or other incentive, gifts, etc. offered by investment advisers.

Don't rush into making investments that do not match your risk-taking appetite and investment goals.

Do not share login credentials and passwords of your trading and demat accounts with the investment adviser.

Complaints Status Dashboard

Transparency and user satisfaction are at the core of our values. We understand that user experience is paramount, and we appreciate their engagement with our services. Here, you'll find data showcasing the number of complaints received and their status. We believe in providing our user with a clear and comprehensive overview of our efforts to address their concerns.

Complaints

Data for the month ending

Received from	Resolved	Average Resolution Time (in days)
Directly from investor	-	-
SEBI (SCORES)	-	-
Other Sources (if any)	-	-
Total	-	-

Number of complaints received during month against the IA due to impersonation by some other entity:
- Inclusive of complaints of previous months resolved in the current month.
- Inclusive of complaints pending as on the last day of the month.
- Average Resolution time is the sum total of time taken to resolve each complaint in days, in the current month divided by total number of complaints resolved in the current month.

Monthly Disposal of Complaints

Sr No.	Month	Carried Forward	Received	Resolved	Pending

Disclaimers

OneBanc is a SEBI-registered investment adviser registered under the Securities and Exchange Board of India (Investment Advisers) Regulations, 2013, bearing registration number INA000020174. Registration granted by the SEBI in no way guarantees performance of the investment advisor or provides any assurance of returns to investors. All investments are subject to market risk, and it is not ideal for all types of investors to invest in the stock market. Read all the related documents carefully before investing.

Any financial planning products / services tendered to the client which do not come under the regulatory purview of SEBI results in there being no recourse available to the clients with SEBI for their grievances with respect to such products / services.

Where there are artificial intelligence (”AI“) tools used for any advice activity, the sole responsibility for the security, confidentiality, integrity of data will vest with OneBanc. We will disclose to the client that AI tools are used and the extent of such use in providing investment advice.

Neither SEBI nor OneBanc guarantees returns or performance.

The information shared with clients is confidential and intended solely for the use of the intended recipient. Any unauthorized review, dissemination, distribution, or copying of OneBanc's material is strictly prohibited.