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Investor Charter

INVESTOR CHARTER IN RESPECT OF RAs

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 Research Analyst with respect to the investors

• To publish research report based on the research activities of the RA
• To provide an independent unbiased view on securities.
• To offer unbiased recommendation, disclosing the financial interests in recommended securities.
• To provide research recommendation, based on analysis of publicly available information and known observations.
• To conduct audit annually
• To ensure that all advertisements are in adherence to the provisions of the Advertisement Code for Research Analysts.
• To maintain records of interactions, with all clients including prospective clients (prior to onboarding), where any conversation related to the research services has taken place.

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

• Onboarding of Clients
• Sharing of terms and conditions of research services
• Completing KYC of fee paying clients
• Disclosure to Clients: To disclose, information that is material for the client to make an informed decision, including details of its business activity, disciplinary history, the terms and conditions of research services, details of associates, risks and conflicts of interest, if any
• To disclose the extent of use of Artificial Intelligence tools in providing research services
• To disclose, while distributing a third party research report, any material conflict of interest of such third party research provider or provide web address that directs a recipient to the relevant disclosures
• To disclose any conflict of interest of the activities of providing research services with other activities of the research analyst.
• To distribute research reports and recommendations to the clients without discrimination.
• To maintain confidentiality w.r.t publication of the research report until made available in the public domain.
• To respect data privacy rights of clients and take measures to protect unauthorized use of their confidential information
• To disclose the timelines for the services provided by the research analyst to clients and ensure adherence to the said timelines
• To provide clear guidance and adequate caution notice to clients when providing recommendations for dealing in complex and high-risk financial products/services
• To treat all clients with honesty and integrity
• 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.

D. Details of grievance redressal mechanism and how to access it

1. Investor can lodge complaint/grievance against Research Analyst in the following ways:

Mode of filing the complaint with research analyst: In case of any grievance / complaint, an investor may approach the concerned Research Analyst 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 Research Analyst Administration and Supervisory Body (RAASB):

• 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 Research Analyst: First review done by designated body (RAASB). Second review done by SEBI.
• ii. Email to designated email ID of RAASB

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.

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 Exit from Financial product or service in accordance with the terms and conditions agreed with the research analyst
• 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 the investors (Responsibilities of investors)

Do's

1. Always deal with SEBI registered Research Analyst.
2. Ensure that the Research Analyst has a valid registration certificate.
3. Check for SEBI registration number.
4. Always pay attention towards disclosures made in the research reports before investing.
5. Pay your Research Analyst through banking channels only and maintain duly signed receipts mentioning the details of your payments. You may make payment of fees through Centralized Fee Collection Mechanism (CeFCOM) of RAASB if research analyst has opted for the mechanism. (Applicable for fee paying clients only)
6. Before buying/ selling securities or applying in public offer, check for the research recommendation provided by your Research Analyst.
7. Ask all relevant questions and clear your doubts with your Research Analyst before acting on recommendation.
8. Seek clarifications and guidance on research recommendations from your Research Analyst, especially if it involves complex and high risk financial products and services.
9. Always be aware that you have the right to stop availing the service of a Research Analyst as per the terms of service agreed between you and your Research Analyst.
10. Always be aware that you have the right to provide feedback to your Research Analyst in respect of the services received.
11. Always be aware that you will not be bound by any clause, prescribed by the research analyst, which is contravening any regulatory provisions.
12. Inform SEBI about Research Analyst offering assured or guaranteed returns.

Don'ts

1. Do not provide funds for investment to the Research Analyst.
2. Don't fall prey to luring advertisements or market rumors.
3. Do not get attracted to limited period discount or other incentive, gifts, etc. offered by Research Analyst.
4. Do not share login credential and password of your trading, demat or bank accounts with the Research Analyst.

GRIEVANCE REDRESSAL PROCESS

We believe that Investor service is a vital element for sustained business growth and we want to ensure that our Investors receive exemplary service across different touch points. Prompt and efficient service is essential for retaining existing relationships and therefore Investor satisfaction becomes critical to us, especially since we follow the Direct- to- Investor model. Investor queries and complaints constitute an important voice of Investor, and this policy details grievance handling through a structured grievance redressal framework. Grievance redressal is supported by a review mechanism, to minimize the recurrence of similar issues in future.

The Grievance Redressal policy follows the following principles:

• Investors will be treated fairly at all times
• Complaints raised by Investors will be dealt with courtesy and in a timely manner
• Queries and Complaints will be treated efficiently and fairly.

The Research Analyst and employees work in good faith and without prejudice, towards the interests of the Investors.

The Research Analyst has a dedicated Client Servicing Team which is responsible for timely and prompt communication with our clients, while having an open attitude towards service recovery, and providing alternate solutions to investors, thus ensuring healthy relationships with our clients. The Client Servicing Team is headed by Mr. Akhilesh Gupta (akhileshguptaresearch@gmail.com) (info@agrs.in).

Grievance Redressal Mechanism

Client's queries / complaints may arise due to lack of understanding, or a deficiency of service experienced by clients. Deficiency of service may include lack of explanation, clarifications, understanding which escalates into shortfalls in the expected delivery standards, either due to inadequacy of facilities available or through the attitude of staff towards client.

1. Clients can seek clarification to their query and are further entitled to make a complaint in writing, orally or telephonically. An email may be sent to the Client Servicing Team. Alternatively, the Investor may call on +91 6268069836.
2. Direct Link to register your complaint: https://form.jotform.com/233020187666455. A letter may also be written with their query/complaint and posted at the below mentioned address. 68, SUNDER NAGAR EXTENSION, NEAR SHRI HARI PABLIC SCHOOL SUKHLIYA, INDORE, MADHYA PRADESH, 452010
3. Clients can write to the support team at support@agrs.in if the Investor does not receive a response within 10 business days of writing to the Client Servicing Team. The client can expect a reply within 10 business days of approaching the Research Analyst.
4. In case you are not satisfied with our response you can lodge your grievance with SEBI at http://scores.gov.in or you may also write to any of the offices of SEBI. For any queries, feedback or assistance, please contact SEBI office on toll free Helpline at 1800 22 7575/1800 266 7575.

Grievance Redressal / Escalation Matrix

If you have a grievance, you can reach out to our Support Team for assistance.

The abovementioned details would facilitate the complainants to approach the concerned RA before filing complaint to SEBI. For more details go to: https://www.bseindia.com/markets/Marketinfo/DispNewNotices Circulars.aspx?page=20241209-41

We aim to resolve all grievances within 21 working days from the date of receipt. If your grievance is not resolved within this timeframe, you can escalate it to SEBI's SCORES Platform (SEBI Complaints Redress System). SCORES Portal: scores.sebi.gov.in.

In case you are unsatisfied with the resolution provided through our support or the SCORES platform, you can access the Online Dispute Resolution (ODR) Portal. ODR Portal: smartodr.in.

PMLA ACT 2002

Provisions of Prevention of Money Laundering Act, 2002

Prevention of Money Laundering Act, 2002 (PMLA) forms the core of legal framework put in place by India to combat money laundering and related crimes. PMLA and the Rules notified there under came into force from 1st July, 2005.

Under PMLA, all the entries registered with SEBI are required to furnish information of all the suspicious transactions whether or not made in cash to FIU-IND. Under Section 3 of PMLA, projecting of crime as untainted property is an offence of money laundering liable to be punishment under section 4 of the PMLA.

Money Laundering involves disguising financial assets so that they can be used without detection of the illegal activity that produced them. Through money laundering, the launderer transforms the monetary proceeds derived from criminal activity into funds with as apparently legal source.

Financial Intelligence Unit-India (FIU-IND) is the central national agency of India responsible for receiving, processing, analysing and disseminating information of suspect financial transactions. FIUIND is also responsible for coordinating and strengthening efforts of national and international intelligence, investigation and enforcement agencies in combating money laundering and related crimes.

Section 2 (1) (g) of PMLA Rules defines suspicious transaction whether or not made in cash which, to a person acting in good faith:

• Gives rise to a reasonable ground of suspicious that it may involve the proceeds of crime: or
• Appears to be made in circumstances of unusual or unjustified complexity; or
• Appears to have no economic rationale or bonafied purpose; or
• Gives rise to a reasonable ground of suspicious that it may involve facing of the activities relating to terrorism.

Some examples of suspicious transactions reported to FIU-IND are as under:

DISCLAIMER

Please note:

You agree and understand that the information and material contained in this website implies and constitutes your consent to the terms and conditions mentioned below. You also agree that Agrs.in powered by AGRS can modify or alter the terms and conditions of the use of this service without any liability. It reserves the right to decide the criteria based on which customers would be allowed to avail of these services. The use of this website is subject to the following terms of use:

The content of the site and the interpretation of data are solely the personal views of the contributors. AGRS reserves the right to make modifications and alterations to the content of the website. Users are advised to use the data for the purpose of information only and rely on their own judgment while making investment decisions. The investments discussed or recommended may not be suitable for all investors. AGRS does not guarantee the timeliness, accuracy, or quality of the electronic content. The content of the website cannot be copied, reproduced, republished, uploaded, posted, transmitted or distributed for any non-personal use without obtaining prior permission from AGRS. We reserve the right to terminate the accounts of subscribers/customers, who violate the proprietary rights, in action to necessary legal action. AGRS and its owners/affiliates are not liable for damages (monetary or otherwise) caused by any performance, failure of performance, error, omission, interruption, deletion, defect, delay in transmission or operations, computer virus, communications line failure, and unauthorized access to the personal accounts. AGRS is not responsible for any technical failure or malfunctioning of the software or delays of any kind. We are also not responsible for non-receipt of registration details or e-mails. Users shall bear all responsibility of keeping the password secure. AGRS is not responsible for the loss or misuse of the password.

AGRS is not responsible for the content of any of the linked sites. By providing access to other web-sites, AGRS is neither recommending nor endorsing the content available in the linked websites. You agree that the information gathered from your profile will be used to enhance your experience on the website. We will not rent or sell the profile/contents to any third party. In case of a contest or a promotion scheme, we reserve the right to share the users profile with the sponsors. In the event of necessary credit checks and collection of payments, AGRS can disclose such information to other authorities in good faith. AGRS will use all or any part of the service and change terms without any obligation.

AGRS is not in any manner answerable, responsible or liable to any person or persons for any acts of omissions or commission, errors, mistakes and/or partners, agents associates etc., of any of the Rules, regulations, bye-laws of the Bombay Stock Exchange Limited, National Stock Exchange of India Limited or SEBI Act or any other laws in force from time to time. AGRS is not answerable, responsible or liable for any information on this website or for any services rendered by us, our employees and our servants. This website is for the exclusive purpose of transactions to be carried out within the territorial jurisdiction of India and all such transactions shall be governed by the laws in India. Notice is hereby given that Non Resident Indians (NRI's) and Foreign Nationals accessing this web site and opting to transact thereon shall do so after due verification at their end of their eligibility to do so. AGRS undertakes no responsibility for such pre-eligibility of qualification on part of Non-Resident Indians (NRI's) or Foreign Nationals to transact on this website.

If you do not agree to any of the terms mentioned in this agreement, you should exit the site.

In case of any clarifications, please feel free to contact info@agrs.in always Assuring you of our best services

DISCLOSURE

The purpose of the document is to provide essential information about the Research Services in a manner to assist and enable the prospective client/client in making an informed decision for engaging in Research services before onboarding.

• History, Present business and Background

Akhilesh Gupta, is registered with SEBI as Research Analyst with registration no. INH000013314. The Research Analyst got its registration on October 10, 2023 and is engaged in offering research and recommendation services.

• Terms and conditions of Research Services

The Research Services will be limited to providing independent research recommendation and shall not be involved in any advisory or portfolio allocation services. The Research Analyst never guarantees the returns on the recommendation provided. Investor shall take note that Investment/trading in stocks/Index or other securities is always subject to market risk. Past performance is never a guarantee of same future results. The Research Analyst shall not be responsible for any loss to the Investors.

• Disciplinary history

There are no pending material litigations or legal proceedings against the Research Analyst. As on date, no penalties / directions have been issued by SEBI under the SEBI Act or Regulations made there under against the Research Analyst relating to Research Analyst services.

• Details of its associates

No associates

• Disclosures with respect to Research and Recommendations Services

• The Research Analyst or any of its officer/employee does not trade in securities which are subject matter of recommendation.
• There are no actual or potential conflicts of interest arising from any connection to or association with any issuer of products/ securities, including any material information or facts that might compromise its objectivity or independence in the carrying on of Research Analyst services. Such conflict of interest shall be disclosed to the client as and when they arise.
• Research Analyst or its employee or its associates have not received any compensation from the company which is subject matter of recommendation.
• Research Analyst or its employee or its associates have not managed or co-managed the public offering of any company.
• Research Analyst or its employee or its associates have not received any compensation for investment banking or merchant banking of brokerage services from the subject company.
• Research Analyst or its employee or its associates have not received any compensation for products or services other than above from the subject company.
• Research Analyst or its employee or its associates have not received any compensation or other benefits from the Subject Company or 3rd party in connection with the research report/ recommendation.
• The subject company was not a client of Research Analyst or its employee or its associates during twelve months preceding the date of recommendation services provided.
• Research Analysts or its employee or its associates has not served as an officer, director or employee of the subject company.
• Research Analysts has not been engaged in market making activity of the subject company.

• Standard Warning

"Investment in securities market are subject to market risks. Read all the related documents carefully before investing."

• Disclaimer

"Registration granted by SEBI, and certification from NISM in no way guarantee performance of the Research Analyst or provide any assurance of returns to investors.

Privacy Policy

Privacy policy agrs (website "www.agrs.in") would like to thank you for visiting our website. Respecting the Privacy and choices of our online Customers and Visitors is important for us. We hope that the information provided below will address any questions or concerns you may have about Privacy issues.

From time to time, we may request your valuable feedback for the evaluation of the services that agrs provides and changes if you prefer any. We might invite you to actively participate in polls or surveys that may be posted on our website or mailed to you directly. Participation in survey or polls is completely voluntary.

VISIT: Generally, you may visit www.agrs.in anonymously and obtain information about our Company and products and services without providing any personal information, such as your phone number or postal or e-mail address.

PERSONAL INFORMATION: In a few sections of our Website, we ask you to provide information that will enable us to enhance your site visit or to follow up with you after your visit. It is completely optional for you to participate. For example, we request information from you when you:
• Register with www.agrs.in for filing online registration forms (like free trial, taking benefits of live TV & Live Rate)
• Transact on the Site
• Subscribe to a newsletter or a mailing list.
In each of the above instances, we may ask for your name, e-mail address, telephone number, address and other personal information that is needed to register or subscribe you to services or offers.

USE OF PERSONAL INFORMATION: The personal information you provide will be kept confidential and used to support our customer relationship with you. We may use the information you provide to inform you of special offers, upgrades and other services that may be of interest to you.

CHANGES TO THIS POLICY: We may from time-to-time update this Policy. When we do so, we will post notice of any revisions on this site. We encourage you to review our Privacy Policy whenever you visit our Web site.

Refund Policy

Please note:

1. All sales are final, because AGRS offers a facility to ask the expert to ensure that our products and services will meet your needs without the need to purchase, so ideally there should not be a probability of REFUNDS and CANCELLATIONS.
2. Before deciding to subscribe to our services, please make sure speak to our expert for evaluation. We do not welcome refunds on subscriptions that have already been taken because we so believe in our services and support. For exceptional cases where service cannot be continued by client because of any unavoidable or indisputable reason in that case remaining amount of unused service can be returned to client after all the necessary deduction and adjustment subject to management discretion.
3. All advise are based on market data, but we do not provide any guarantee for their performance in future.
4. Past performance of advice does not indicate the future performance of any current or future model or advise by AGRS.
5. Trades and actual returns may differ significantly from that depicted herein due to various factors including but not limited to impact costs, expense charged, timing of entry/exit, timing of additional flows/redemptions, individual client mandates, specific portfolio construction characteristics etc.
6. There is no assurance or guarantee that the objectives of any model or advice provided by AGRS Trades will be achieved.
7. AGRS Trades or any of its partner/s or principal officer/employees do not assure/give guarantee for any return on the investment in advice given to the Investor.
8. The value of investment can go up/down depending on factors & forces affecting securities markets AGRS Trades or its associates are not liable or responsible for any loss or shortfall arising from operations and affected by the market condition.

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Terms and Conditions

Please note:

1. In order to receive any services from us it is mandatory that first you should provide correct information about your KYC through our website to check suitability of services.
2. Please do not opt for service or make any payment without filling KYC details on our website as it is your responsibility as well and it is also important for you to get right advice and services.
3. We do not accept part payments against any of our services, in case if any short or excess amount is paid against any of our services mentioned on our website then the number of days for opted service will be adjusted according to actual service fees.
4. Trading and Investment in Security & Commodity Market is subject to Market Risk, please note that your capital is at RISK.
5. Please do not make payment via Cash or payment gateway, kindly do the payment only through direct credit in AGR Services account VIA NEFT/RTGS/IMPS/UPI or by account payee cheque or DD.
6. Past Performance & Records of advice do not guarantee future profit or Future Performance.
7. Before taking any AGR Services services or recommendations clients should go through all the Policies, Disclaimer, and Disclosure and Terms & Conditions.
8. AGR Services provides a fee only service for products/plans which are mentioned on our website and we do not have any telegram or personal Whatsapp facilities for services and communication.
9. We do not offer products/services which are not mentioned on our website for example Guaranteed or Assured Returns Services, Profit or Loss Sharing, Portfolio Management, Bucket Trading or loss recovery, lock in period or Demat Account Services etc.
10. If any person communicate you about any such services kindly call us immediately on +91 6268069836 or email us at info@agrs.in
11. If any person mislead you or guide you to deviate you from all these important points then call us immediately on +91 6268069836 or email us at info@agrs.in
12. Our SEBI Registration number is: INH000013314.
13. You can raise your query via clicking: https://form.jotform.com/233020187666455
14. Please note: We have a single official whatsapp no. +916268069836. Please do not entertain any communication from any other whatsapp number.
15. In the event of any dispute or difference related to services, the same shall be resolved amicably by mutual conciliation. If the matter is not settled amicably then same shall be referred to the Court of Indore jurisdiction.

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