Disclosures

What SEBI requires us to disclose, in one place.

Registration

Our Services

Investment advice and financial planning, under our SEBI registration. Our advice is recommendatory; every decision remains yours.

Where a plan touches products SEBI does not regulate, such as insurance or real estate, we tell you first and take your written acknowledgement. SEBI's grievance mechanisms do not cover them.

We do not:

• distribute products or earn commissions
• execute trades or hold power of attorney
• hold or manage client money or securities
• give legal or tax advice
• arrange loans or insurance

Onboarding

No advice and no fee before the agreement is signed. You first receive the Investor Charter, the Most Important Terms and Conditions (MITC) and our Disclosure Document. KYC, due diligence and risk profiling are completed before we begin.

Fees & Terms

Fees are agreed in writing and exclude GST. We offer two engagements: Financial Plan and Continuous Advisory.

SEBI fee limits

For individual and HUF clients, fees will not exceed ₹1,51,000 per family a year (fixed fee) or 2.5% a year of assets under advice. If the fee mode changes with your consent, the higher limit applies. Limits exclude statutory charges, cover only advice on SEBI-regulated securities, and do not apply to non-individual clients or accredited investors.

Payment

Only from your own bank account, by cheque, demand draft, NEFT, RTGS, IMPS or UPI, or through BSE's CeFCoM. No cash or third-party payments. Receipts within 7 business days.

Billing & refunds

Billed quarterly; due within 14 days. Advance fees only with your consent, for up to one year. On early exit, unexpired fees are refunded, less a breakage fee of up to one quarter.

Termination

No minimum term. Either party may exit on 30 days' written notice. You may exit at once if our registration is suspended or cancelled, or we cease business.

Suitability

We assess your risk capacity, attitude, experience and ability to absorb loss, share the profile with you, and review it periodically. We recommend only what suits it, so please tell us when circumstances change.

Implementation

You act on advice in your own accounts, through any intermediary you choose. We recommend direct plans wherever available. Our services never depend on your using any other.

Conflicts of Interest

We are paid only by clients. We take no commissions, referral fees or benefit from your holdings, and never deal in securities with you on our own account.

Advice and distribution are segregated at client level: you and your family receive no distribution services from us, our associates or our family members. Related-party dealings are at arm's length, conflicts are disclosed promptly, and the segregation is certified annually by an auditor.

Personal Trading

Our people disclose their accounts and holdings, need written approval to deal in securities we advise on, hold them for at least 30 days, and never trade ahead of clients or on price-sensitive information.

Use of AI

We do not use AI tools in investment advice, and client data never enters an unapproved AI tool. Any change will be disclosed to you first. Responsibility for advice and data rests with us.

Records & Confidentiality

KYC, risk profiles, advice with its rationale, and records of interactions, including calls and pre-client conversations, are kept for at least five years, or longer if disputed or required by SEBI.

All are confidential: shared only with your consent, with service providers bound by confidentiality, or where the law requires. Never shared with anyone for marketing without your specific consent.

Dealing Safely

• We contact you only from official numbers and registered email addresses.
• We never ask for login details, passwords or OTPs. Share them with no one.
• Never send us money to invest. Pay fees only to JMD Aarthiq Private Limited.
• We never offer assured returns or free trials. Report anyone who does, in our name, to support@aarthiqadvisory.in and to SEBI.

Compliance Audit

We complete the annual compliance audit the SEBI (Investment Advisers) Regulations, 2013 require.

Complaints

1Write to us

Email support@aarthiqadvisory.in. We aim to resolve complaints within 15 days, and always within SEBI's 21. To escalate:

A 46/1, Ground Floor, Naraina Vihar, Naraina, New Delhi 110028 · Mon–Fri, 9:30 am – 6:30 pm

2SEBI SCORES

scores.sebi.gov.in or the SCORES app; reviewed by the IAASB, then SEBI. Toll-free: 1800 22 7575 / 1800 266 7575.

3Online dispute resolution

Conciliation or arbitration through the Smart ODR portal (smartodr.in).

See our Grievance Redressal process and Complaint Data (PDFs).

Your Rights

The Investor Charter sets out your rights: privacy, fair treatment, clear information and timelines, suitable advice, timely redress, and exit under your agreement. No clause that contravenes SEBI regulations binds you.

Risk Disclaimer

Investments in the securities market are subject to market risks. The value of investments can go up as well as down, and past performance does not indicate future returns. We do not guarantee or assure any return on any investment.

Our advice is based on the information you give us and on your risk profile. Any securities or products mentioned on this website are for illustration only and are not recommendations. Read all related documents carefully before investing.

Key risks

• Market: prices fall as well as rise; capital can be lost.
• Credit & interest rate: issuers may default; rates move bond values.
• Liquidity: AIFs, PMS and smaller companies can be hard to sell.
• Currency: exchange rates affect foreign holdings.
• Leverage: derivatives magnify losses as well as gains.
• Regulatory & tax: changes in law can affect value.

Not exhaustive; your advisory agreement sets out the full risks.