The Company’s research team, softwares, algorithms and analytical processes used have, to the best of its ability, taken into account various factors – both quantitative measures and qualitative assessments, in an unbiased manner, while designing a suitable investment profile and model protfolio. However, such assessments carry inherent unknown risks and uncertainties linked to broad markets as well as analysts’ expectations about future events. It is therefore advised to exercise prudent discretion while investing through the platform.

The recommendations and reviews do not guarantee fund performance, nor should they be viewed as an assessment of a fund’s, or the fund’s underlying securities’ creditworthiness.

The Company does not subscribe or agree to the data, reports, articles, analysis, general advice, information, statistics, opinions, feedback etc. made available or contributed by third parties on the website of the Company. The Company disclaims any responsibility or liability for any loss or damage incurred on account of reliance placed on such data, reports, articles, analysis, general advice, information, statistics, opinions, feedback etc.

Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing. Past performance is not indicative of future returns. Please consider your specific investment requirements before choosing a fund.

Moneymap Investment Advisors Private Limited is a SEBI registered Investment Advisor with RIA No. INA000004500. The Company does not furnish any guaranties, warranties or representations, express or implied, on products offered through the platform. The Company accepts no liability for any damages or losses however caused, in connection with investments made through the platform. Terms and conditions of the website are applicable at all time.

The offer of services by the Company through its Website/Application does not constitute or amount to an offer to sell or a solicitation to any person residing in the United States of America, Canada or in any other jurisdiction where it is unlawful to make such an offer or solicitation (“Prohibited Jurisdictions”). The Company, its directors, officers, employees or representatives shall not be liable or responsible for any rejection or non-execution of any transaction initiated by persons residing in Prohibited Jurisdictions.

Email transmission cannot be guaranteed to be secure or error-free, as information could be intercepted, corrupted, lost, destroyed, arrive late or incomplete, or contain viruses. The sender, therefore, does not accept liability for any errors or omissions in the contents of an email which arise as a result of email transmission. The recipient should check and verify an email and any attachments for the presence of viruses. The Company and its group entities accept no liability for any damage caused by any virus transmitted by an email.

As part of our working capital management, we invest in various debt Mutual fund schemes for both our group companies i.e. Investdirect Capital services Pvt Ltd and Moneymap Investment Advisors Pvt Ltd. Our current investments are held in the below schemes: Absl Savings Fund ,Hdfc Ultra Short Term Fund, Icici Pru Money Market Fund, Icici Pru Ultra Short Term Fund, Icici Pru Liquid Fund, Icici Pru Money Market Fund, BHARAT BOND 2023, ABSL Liquid fund, DSP Savings Fund, BHARAT BOND 2025,HDFC Low Duration,ABSL Money Market, TATA Money Market, TATA Liquid , Franklin UST & Axis overnight fund.

INVESTMENT PRODUCTS: NO BANK GUARANTEE: NOT GOVERNMENT INSURED: SUBJECT TO MARKET RISK: POSSIBLE LOSS OF PRINCIPAL: PLEASE READ THE OFFER DOCUMENT(S) CAREFULLY BEFORE INVESTING.

Since we are registered with SEBI as an Investment Adviser, we are required to disclose certain information to our clients so that they can take informed decisions before taking any of our services.

About the Company:

Moneymap Investment Advisors Private Limited is registered with the Securities and Exchange Board of India (“SEBI”) as an Investment Advisor under SEBI (Investment Advisers) Regulations, 2013 (“IA regulations”) vide registration no. INA000004500 dated April 05, 2016, pursuant to which it provides investment advisory services to its clients.

About Business activities:

The company provides the services under the brand name MoneyFront. The Company primarily offers financial advisory services to its clients via a comprehensive portfolio approach. The company offers a platform moneyfront.in to transact in direct plans of mutual funds.

Disciplinary History:

There are no outstanding litigations or no disciplinary history against the Company and its directors.

Disclosure about conflict of interest:

The company offers services to transact in direct plans of mutual funds. The company does not receive any consideration in any form from any party for offering such services. Hence there is no conflict of interest.

Investdirect Capital Services Pvt. Ltd. is the holding company of MoneyFront and is into distribution of financial products on commission bases. MoneyFront follows compliance requirement of client level segregation at all times.

Affiliation with other intermediaries:

There is no affiliation with any other intermediaries as on date, except as mentioned above.

Other disclosures:

The Principal Officer and the persons associated with investment advice may have holding or position in the financial products or securities which are subject matter of advice.

Disclosure with respect to compliance with Annual compliance audit requirement under Regulation 19(3) of SECURITIES AND EXCHANGE BOARD OF INDIA (INVESTMENT ADVISERS) REGULATIONS, 2013 for last and current financial year are as under :

1. Link to SCORES - https://scores.sebi.gov.in
2. Link to ODR - https://smartodr.in/login
3. Name, email id and contact of the Compliance officer & Grievance officer
   Name – Yonita Alvares
   Email ID – y.alvares@moneyfront.in
   Mobile NO - 8591437680
   
4. Disclaimer - “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.”
5. Change the standard warning to (minimum 10 font size) - “Investments in securities market are subject to market risks. Read all the related documents carefully before investing”.
6. Complaints table - Please refer to page 51 - Annexure B. https://www.sebi.gov.in/legal/master-circulars/may-2024/master-circular-for-investment-advisers_83488.html

Formats for investors complaints data to be disclosed monthly by IAs on their website/mobile application:

Data for the month ending – MARCH 2024

* 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.

Trend of monthly disposal of complaints

* Inclusive of complaints of previous months resolved in the current month.
# Inclusive of complaints pending as on the last day of the month

Trend of annual disposal of complaints

* Inclusive of complaints of previous months resolved in the current month.
# Inclusive of complaints pending as on the last day of the month

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. Details of business transacted by the Investment Adviser with respect to the investors

1. 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.
2. To do a proper and unbiased risk – profiling and suitability assessment of the client.
3. To conduct audit annually.
4. To disclose the status of complaints on its website.
5. 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.
6. To employ only qualified and certified employees.
7. To deal with clients only from official number
8. To maintain records of interactions, with all clients including prospective clients (prior to onboarding), where any conversation related to advice has taken place.
9. To ensure that all advertisements are in adherence to the provisions of the Advertisement Code for Investment Advisers
10. Not to discriminate in terms of services provided, among clients opting for same/similar products/services offered by investment adviser.

C. Details of services provided to investors (No Indicative Timelines)

• Onboarding of Clients
  1. Sharing of agreement copy
  2. Completing KYC of clients
• Disclosure to Clients
  1. To provide full disclosure about its business, affiliations, compensation in the agreement.
  2. To not access client’s accounts or holdings for offering advice.
  3. To disclose the risk profile to the client.
  4. To disclose any conflict of interest of the investment advisory activities with any other activities of the investment adviser.
  5. 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. Details of grievance redressal mechanism and how to access it

1. Investor can lodge complaint/grievance against Investment Adviser in the following ways:
   • Mode of filing the complaint with 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 Investment Adviser Administration and Supervisory Body (IAASB)
     • i. SCORES 2.0 (a web based centralized grievance redressal system of SEBI for facilitating effective grievance redressal in time-bound manner) (https://scores.sebi.gov.in) Two level review for complaint/grievance against investment adviser:
       
       1. First review done by designated body (IAASB)
       2. Second review done by SEBI
     • ii. Email to 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 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

1. Right to Privacy and Confidentiality
2. Right to Transparent Practices
3. Right to fair and Equitable Treatment
4. Right to Adequate Information
5. Right to Initial and Continuing Disclosure - Right to receive information about all the statutory and regulatory disclosures.
6. Right to Fair & True Advertisement
7. Right to Awareness about Service Parameters and Turnaround Times
8. Right to be informed of the timelines for each service
9. Right to be Heard and Satisfactory Grievance Redressal
10. Right to have timely redressal
11. Right to Suitability of the Financial Products
12. Right to Exit from Financial product or service in accordance with the terms of agreement with the investment adviser
13. Right to receive clear guidance and caution notice when dealing in Complex and High-Risk Financial Products and Services
14. Additional Rights to vulnerable consumers - Right to get access to services in a suitable manner even if differently abled
15. Right to provide feedback on the financial products and services used
16. Right against coercive, unfair, and one-sided clauses in financial agreements

F. Expectations from the investors (Responsibilities of investors)

Do’s

1. Always deal with SEBI registered Investment Advisers.
2. Ensure that the Investment Adviser has a valid registration certificate.
3. 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

4. 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.
   You may make payment of advisory fees through Centralised Fee Collection Mechanism (CeFCoM) of IAASB if investment adviser has opted for the mechanism.
5. 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.
6. Ask all relevant questions and clear your doubts with your Investment Adviser before acting on advice.
7. Assess the risk–return profile of the investment as well as the liquidity and safety aspects before making investments.
8. 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.
9. Be vigilant in your transactions.
10. Approach the appropriate authorities for redressal of your doubts / grievances.
11. Inform SEBI about Investment Advisers offering assured or guaranteed returns.
12. Always be aware that you have the right to exit the service of an Investment Adviser
13. Always be aware that you have the right to seek clarifications and clear guidance on advice
14. Always be aware that you have the right to provide feedback to the Investment Adviser in respect of services received.
15. Always be aware that you will not be bound by any clause, prescribed by the investment adviser, which is contravening any regulatory provisions.

Do’s

1. Don’t fall for stock tips offered under the pretext of investment advice.
2. Do not provide funds for investment to the Investment Adviser.
3. 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.
4. Don’t fall prey to luring advertisements or market rumors.
5. Avoid doing transactions only on the basis of phone calls or messages from any Investment adviser or its representatives.
6. Don’t take decisions just because of repeated messages and calls by Investment Advisers.
7. Do not fall prey to limited period discount or other incentive, gifts, etc. offered by Investment advisers.
8. Don’t rush into making investments that do not match your risk taking appetite and investment goals.
9. Do not share login credential and password of your trading, demat or bank accounts with the Investment Adviser.

The Grievance Matrix Table