DSK Investment Advisors Private Limited

DSK Investment Advisors Private Limited ("DSK Investments", "we", "our", or "us") is committed to protecting the privacy of every individual who interacts with us, our website, or our mobile application. This Privacy Policy explains how we collect, use, store, share, and protect your information.

Information We Collect

In the course of providing investment advisory and related services, we may collect:

• Identity & KYC information: name, date of birth, PAN, Aadhaar, address, photograph, signature, and other documents required under SEBI / AMFI / KRA regulations.
• Contact information: email address, phone numbers, and correspondence address.
• Financial information: income details, investment holdings, bank account details, risk profile, and financial goals.
• Usage information: pages visited, time spent, IP address, browser and device data, and similar technical data collected via cookies.

How We Use Your Information

• To provide investment advisory services and execute the engagement agreed with you.
• To complete KYC, suitability assessment, and risk profiling as required by law.
• To communicate updates, recommendations, statements, and regulatory disclosures.
• To meet legal, statutory, audit, or regulatory obligations applicable to investment advisers in India.
• To improve our services and to detect and prevent fraud, abuse, and security incidents.

Sharing of Information

We do not sell your personal information. Information may be shared only with:

• Regulators, statutory authorities, exchanges, depositories, custodians, KRAs, and AMCs, where required by law or by the engagement.
• Service providers (such as portfolio reporting platforms, IT infrastructure, and audit firms) under appropriate confidentiality obligations.
• Where you have given specific consent to share information for a defined purpose.

Data Retention

We retain your information for as long as you remain a client and thereafter for the period prescribed under SEBI regulations and other applicable laws.

Data Security

We use reasonable technical and organisational measures, including access controls, encryption in transit, and restricted-access systems, to protect personal information from unauthorised access, disclosure, alteration, or destruction.

Cookies

Our website may use cookies and similar technologies to enable basic functionality, remember preferences, and analyse usage. You can control cookies through your browser settings; disabling them may affect certain features.

Your Rights

You may request access to, correction of, or deletion of your personal information, subject to applicable legal and regulatory record-keeping requirements. To exercise your rights, write to us at jas@richify.in.

Changes to this Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this website with the revised effective date.

Business Activity

DSK Investment Advisors Private Limited is registered with the Securities and Exchange Board of India (SEBI) as a Non-Individual Investment Adviser under Registration No. INA000018416. Our business is to provide investment advice, financial planning, and related services to individuals, families, HNIs, family offices, and non-resident Indians.

Independence

We are independent advisors and are not incentivised to take custody of your investments. We do not access client accounts or holdings to offer advice except as expressly authorised in the engagement.

Fees & Compensation

For investment advisory services, fees are charged in accordance with the applicable SEBI (Investment Advisers) Regulations and the engagement agreement signed with you. We do not receive commission from any product manufacturer or distributor in respect of the advisory services we provide.

Conflict of Interest

We disclose all material conflicts of interest in the engagement agreement. We do not use client information or recommendations for any purpose other than serving the client. Where a conflict cannot be avoided, it is disclosed in writing to the client.

Use of Artificial Intelligence (AI)

We may use AI tools to support research, portfolio analysis, and operational efficiency. Final investment recommendations are reviewed and authorised by our qualified advisors. Use of AI does not replace the judgment of the Principal Officer or relieve us of regulatory responsibility.

Risk Profiling & Suitability

All investment advice is preceded by risk profiling and suitability assessment as required under the SEBI (Investment Advisers) Regulations. Recommendations are based on, and limited to, the information provided by the client.

Records of Interactions

We maintain records of our interactions with clients (and prospective clients prior to onboarding) where any conversation related to advice has taken place, in line with regulatory requirements.

Annual Audit

We conduct an annual audit of our investment advisory activities as required under the SEBI (Investment Advisers) Regulations.

Employees

We employ only qualified personnel certified by the National Institute of Securities Markets (NISM) where required.

The information contained on this website is for general informational purposes only. It does not constitute investment advice, an offer or solicitation to buy or sell any security, or a recommendation to enter into any transaction.

Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Past performance is not indicative of future results. The securities quoted, if any, are for illustration only and are not recommendatory.

For prospective clients, content on this website is only for discussion based on generic information and trends in the capital market and shall not be construed as investment advice. Personalised advice is provided only after the execution of an engagement agreement and the completion of risk profiling and suitability assessment.

Registration granted by SEBI (INA000018416), membership of BASL (BASL2048), and certification from NISM in no way guarantee the performance of the intermediary or provide any assurance of returns to investors or clients.

The prices, value, income, and appreciation of securities mentioned are based on the information available in the public domain or the latest information provided to DSK Investments and are subject to change. DSK Investments makes every effort to use reliable, comprehensive information, but makes no representations or warranties — express or implied — and assumes no liability for the accuracy, completeness, or usefulness of any information contained in this document or website.

Neither DSK Investments nor any of its affiliates has undertaken any regulatory, legal, tax, or accounting analysis relating to the suitability of any securities. Recipients should consult their professional tax and accounting advisors prior to acting on any information set forth herein.

Any distribution, use, or reproduction of the information on this website without the prior written permission of DSK Investment Advisors Private Limited is unauthorised and strictly prohibited.

DSK Investments, its directors, employees, and agents will not be liable for any direct, indirect, incidental, or consequential damages sustained or incurred in connection with the use, operation, or inability to use this website or reliance on any information contained herein.

In respect of Investment Advisers (IAs)

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.

B. Business Transacted by the Investment Adviser with respect to Investors

• To enter into an agreement with the client providing all details including fee details, aspects 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 conduct audit 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 office details (i.e. Head office / regional / local office) on 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 the investment adviser.

C. Services Provided to Investors (No Indicative Timelines)

Onboarding of Clients

• Sharing of agreement copy.
• Completing KYC of clients.

Disclosure to Clients

• To provide full disclosure about its business, affiliations and 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.

D. Grievance Redressal Mechanism and How to Access It

1. An 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 concerned Investment Adviser, who shall strive to redress the grievance immediately, but not later than 21 days of the receipt of the grievance.

   Mode of filing the complaint on SCORES or with the Investment Adviser Administration and Supervisory Body (IAASB)

   • SCORES 2.0 — a web-based centralized grievance redressal system of SEBI for facilitating effective grievance redressal in a time-bound manner (https://scores.sebi.gov.in). Two-level review for complaints / grievances against an investment adviser: first review is done by the designated body (IAASB); second review is done by SEBI.
   • 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.
3. 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.

E. 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 & 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 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.

F. Expectations from Investors (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. Refer to the list of all SEBI-registered Investment Advisers available on the SEBI website.
• Pay only advisory fees to your Investment Adviser. Make payments through banking channels only and maintain duly signed receipts mentioning the details of your payments. You may make payment of advisory fees through the Centralised Fee Collection Mechanism (CeFCoM) of IAASB if the investment adviser has opted for the mechanism.
• 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 takes 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 carefully, particularly regarding advisory fees, advisory plans and category of recommendations, 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 contravenes any regulatory provisions.

Don’ts

• 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, exorbitant or assured returns by Investment Advisers. Don’t let greed overcome rational investment decisions.
• Don’t fall prey to luring advertisements or market rumors.
• 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 discounts or other incentives, 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, demat or bank accounts with the Investment Adviser.

Investor Grievance Contact

Compliance & Grievance Officer: Ms. Jasmeen Kochhar
Email: jas@richify.in