FinAtoZ is a SEBI Registered Investment Advisory company, started by IIT & IIM graduates who left their respective jobs after 15 years in IT industry with the sole purpose of reducing mis-selling of financial products.

FinAtoZ is a team of Certified financial advisors (CFP, NISM) who provide unbaised advise to busy working professionals to manage their money better.This results in securing the long-term goals like Retirement and Child higher education.

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Disclaimer: Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors​.

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

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What We Do

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1. Certified adviser to create your personalized financial plan: Your dedicated financial planner will review your current financial situation in a 1-on-1 meeting. The outcome of this meeting is to quantify your financial needs. This will allow you to answer important questions like how much money is enough for your child to realize her dream education (child education plan), and how early can you retire (retirement plan).

2. Highly qualified team to handle your investments as per your risk profile: Our investment team backed by solid research will identify the most suitable financial products for you to achieve your financial goals as per the plan. All these investments are adjusted based on market conditions and available duration for each goal on your behalf.

3. Periodic reviews with your adviser to keep your financial journey on track: During this annual review meeting, your advisor will go through a comprehensive checklist to incorporate any new information in your financial plan e. g. new family member, career changes etc.. Your adviser will also review the investment journey during the year and suggest appropriate remedial actions to ensure successful accomplishment of your goals.

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We plan for your goals, Invest in right products, and track them based on market conditions to achieve your goals

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3 Simple Steps to Do it

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Plan Your Goals

A personalised Financial Plan for your life goals.

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Invest Smartly

Investment management based on your risk profile and goals.

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Track and Re-balance

Constant tracking and re-balancing based on market conditions.

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Plan your goals

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Goals: We spend time to understand your needs and aspirations and prepare a financial plan to achieve them.

Protect: We help you to prepare yourself if things go wrong financially. We identify what insurance is required to protect yourself and your family.

Asset Allocation: We arrive at the right asset allocation for you based on your risk profile and life stage. We even chalk out a plan for you to move from current to the recommended asset allocation.

Tax & Estate planning: We provide advice on better tax efficient products so that you can invest smartly. We come up with Estate plan for wealth distribution to your future generation.

Disclaimer: The Calculation shown here is for illustration only, should not be taken as Investment advise​. Past Performance is not indicative of future result

Invest Smartly

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Investment execution based on your identified goals and risk profile.

Invest smartly in multiple investment products like Mutual Funds (MFs), Portfolio Management Service (PMS), Peer-to-Peer lending, Structured Real Estate products etc. The selection of these products is done through our comprehensive 5P Research Process.

Rigorous product selection process For each of the asset class, FinAtoZ research team uses cutting edge tools and rigorous process to identify best investment products suitable for your needs.

Consolidated view Facility to consolidate your existing investments on our online portal.

Invest Smartly

Track and Re-balance

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Continuous tracking of your investments based on:

  • performance of investment products in your portfolio.
  • prevailing market conditions.
  • change in your financial plan during review with your advisor.
  • your goals (when a particular goal gets near, increase allocation of debt based instruments for that goal irrespective of market conditions).

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What We Don't Do?

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  • We don't provide any stock tips or trading advice. Please don't interact with anyone claiming to be our representative, and is not using the official email id (with @finatoz.com domain in the email address) or our registered WhatsApp Business account.
  • Beware of any unsolicited communication providing you trading advise on our behalf. Any funds transfer must be done to the client's own investment account. We never accept funds directly into our company's account.

Research Process

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5P Process for Investment Product Selection

Process

Price

Performance

People

Portfolio

Process

 

The first 'P' focuses on the process followed by a particular investment product. For instance, there are around 40 mutual fund companies with more than 7000 mutual fund schemes in the market. It is very important to assess if a particular company follows robust process for stock/bond selection. We rank these companies on the basis of the following criteria:

  • Consistency: Does a company follow its mandate consistently? For example some companies may take higher exposure to mid cap stocks even for schemes that are classified as large cap. They may do it to chase returns. In the bargain they may expose their customers to higher risk. Similarly, some PMS provider may buy stocks that are going up without any fundamental reason. We filter out such companies. Key Metric: % Large cap; % Mid&Small cap
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  • Compliance: How much do they comply to SEBI guidelines? Do they follow a practice of tweaking SEBI guidelines? For example, even though SEBI mandates a max. 10% exposure in a particular group, some fund houses may find a work-around to increase the exposure beyond 10%, thereby exposing their investors to unsystematic risk. Key Metric: Max. exposure of a particular group.
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  • Quality: What is the quality of bonds that they are selecting? Are they taking low credit bonds to chase returns? For example, a debt mutual fund can invest a significant portion in lesser than AA rated bonds that may increase the investment risk significantly. Key Metric: %AA & above paper.
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Price

 

The second 'P' focuses on the price that we are pay for a particular investment product. Just like price is an important factor when we buy any personal product like garments, handset etc., it is important to ensure that we pay a reasonable price for any investment product that we invest in. Following factors enable us to evaluate the fair price of an investment product:

  • Margin of safety: When we select a mutual fund or any investment product, one of the most important factor that we look for is the margin of safety. More the price that we pay for an investment product, the lesser the margin of safety. Investing into products which are under-valued ensures that the downside risk is limited and the hard earned money of our investors is not getting subjected to undue risk. Key Metric: Price / Earning Per Share; Price / Book Value.
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  • Management cost: Each investment product has an underlying management cost associated with it. We ensure that the management costs are justified and in line with the performance of a particular investment product. Key Metric: Expense Ratio.
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  • Cost of exit: Some investment product charge an exit load if you need to withdraw the investments before the stipulated time. For most of the equity funds the exit load is 1% if redeemed within one year of investments. But some funds put a higher time-frame as well. We ensure that we don't get stuck with an investment product for a long period of time. We should be free to change the investments if a particular product is not performing well. Key Metric: Exit Load
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Performance

 

The third 'P' focuses on the risk adjusted performance of a particular investment product. Following criteria are considered:

  • Past returns: We look at long term performance of a given investment product. We filter out products which are not consistent in their performance and give temporary spikes which is generally unsustainable. We like products that outperform in longer duration which should be at least three years. Key Metric: 3 year return, 5 year return, 10 year return
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  • Volatility: Since a significant part of the portfolio that we create gets invested in equity and equity related investments, the portfolio gets subjected to market volatility. There are innumerable global and domestic events that are beyond our control. As a result the investment corpus may go up or down based on market volatility. Though we cannot eradicate the market based volatility from our investment portfolio, we can choose the investment products which manage the volatility better than the broader markets. Key Metric: Standard deviation.
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  • Comparative performance: A key factor under consideration is the comparative performance with the benchmark and peer group of the respective investment product. Key Metric: Sharpe ratio.
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People

 

The fourth 'P' focuses on the management pedigree of a particular investment product. High quality management team is one of the most important factor for any investment product to outperform in the long run. There is significant churn in the portfolio management industry and it is very important to keep a track of the changes in the management team of a particular investment product. Following factors are considered:

  • Fund manager experience: A well qualified & experienced fund manager who has seen various market cycles is in a much better position to take right investment decisions. She has the wisdom to not get carried away in a bull market and has the courage to buy quality companies in a depressed market Key Metric: Fund manager qualification & experience.
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  • Peer comparison: A fund manager is good if she can perform better than her peer consistently. Using an advanced research tool named "FE Analytics", we compare the fund manager performance against her peer group. Key Metric: Alpha generated in 3 year and 5 year compared to peer group.
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  • Upside and downside capture: It is the ability of the fund manager to capture more upside when the markets are at an upswing. At the same time limit the downside when the markets head down. Key Metric: % Upside capture, % Downside capture.
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Portfolio

 

The fifth 'P' focuses on the investment portfolio for a particular risk profile of an investor. The investment portfolio is a mix of various investment products like MFs, PMS, P2P, Real Estate products etc. Following factors are taken into account to design the final investment portfolio:

  • Risk profile of an investor: Portfolio creation is based on investor's risk profile. There are three broad categories of investors viz. Aggressive, Moderate and Conservative. Portfolio composition for each category will be different. The investment portfolio is created in such a manner so as to reduce the investment risk with lesser impact on return potential Key Metric: Risk category
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  • Portfolio composition: The investment portfolio will comprise of various sectors like large caps, mid caps, credit risk, real estate etc. Care has to be taken to create a proper mix so as to reduce the risk with optimum diversification. When choosing multiple investment products, we need to ensure that there is not much overlap in the underlying holdings of such investment products. Key Metric: % of Large vs mid vs small vs sector, % Overlap in the portfolio.
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  • Return potential: The portfolio has to be created keeping in mind long term return potential based on prevailing market conditions. Eventually, the investment portfolio should deliver higher return for each unit of risk taken. Key Metric: Portfolio sharpe ratio.
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FAQ's

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Q1 How are you different from other Financial advisors in the market?
We are different from other Financial advisors on the following counts:
  • We employ a scientifically proven risk profiling process to reduce the overall risk in your portfolio.
  • Our investment research team have access to advanced research tools like Morningstar to select best performing portfolio for you.
  • State-of-the-art goal tracking platform to enable you to track your goals and communicate regularly to your financial advisor.
  • Bank grade security to keep your personal data secure.
Q2 My bank provides me mutual fund services free of cost. Why should I pay for your services?
There ain't no such thing as a free lunch holds true for free services offerings in the field of financial services. The basic disadvantages of such services are :
  • They are not accountable for the performance of your portfolio.
  • Primarily they are driven by their own sales target hence the product sold to you may not be in your interest.
  • People selling these services are generally not a Certified Investment Advisor.
Q3 Can you help me analyse my existing investments?
Analysis of existing investments is an integral part of the financial planning process. During the financial planning process we collect all the details about your existing investment. Our team of experts analyse the data and advice corrective action. You can provide your existing Policies, Mutual Funds and Stocks for analysis.
Q4 In case of contingency, how much time would it take to get my money back?
In case of contingencies, we will help you to redeem your money in such a way that there is a minimal impact on your long term investment plan. The redemption process generally takes 2 business days for the money to get refunded to your bank account.
Q5 I am a conservative investor. How will you protect my hard earned money?
We know the importance of money for our clients. Therefore, based on risk profiling we design our client's portfolio in a way that your investments are held in 2 buckets:
  • Strategic Asset Allocation - Based on market cycles. This is done for goals that are more than 3 year away. This ensures that any short term losses are recovered in a period of 3 years.
  • Goal based Exit - This is done for goals that are less than 3 years away. For example, if you have a goal to buy a car for 10 Lacs in 2020. We will start moving money into defensive category from 2017 onwards. This ensures that you get Rs. 10 Lacs in 2020 irrespective of market conditions.
Q6 How is the investment done? Do I give my money to Finatoz and you invest on my behalf?
There is no transaction of investment money between Finatoz and the investor. All the investments are done in investor’s name and the money gets deposited directly in the SEBI authorized mutual fund as per our advice. Finatoz does tracking and active management of your portfolio. However, you will have to login and approve any transaction proposed by us. The transactions are created by us but will get executed only once you approve it on the system.
Q7 How are you different from other online investment platforms in the market?
Majority of the platforms in the market are DIY (Do it Yourself). We assign a dedicated Financial advisor who spends time with you to understand your financial goals. She works with you on a continuous basis and ensures that your financial goals are on track. She helps you to add/modify/delete your goals to keep your financial plan up-to-date. She is supported by our strong investment research team to enable you to get higher risk adjusted returns. So, essentially when you are taking our services, you are outsourcing your personal finance and investment management to us.
Q8 I can invest in top rated mutual fund on my own. Why should I use your services?
Just by investing in a top rated mutual fund may not work for you since market conditions are very dynamic in nature. What is top rated today may not continue to perform in the future. Fund has become top rated because the past performance has been good and it is not an indicative of future returns. We have a dedicated Investment Team to tracks your portfolio on continuous basis and weed out the non performing funds.
Q9 Is there any least amount to start with?
The amount will depend on your financial plan. There is no minimum investment required. However, to manage your investments effectively a minimum SIP of Rs 20,000 per month is recommended.
Q10 Can you transfer my existing investments in Mutual Funds to your online portal?
Yes, your existing Mutual Fund portfolio can be consolidated with the online investment account on our portal. Once you express your intent our operations team will complete the required documentation to ensure a hassle free experience.
Q11 How can I and my wife both open an account together? Will it be a joint account?
Our unique portal has a feature of opening family account having separate individuals (Spouse, parents & childrens) linked to a single user ID. It will not be a joint account as the investment will be linked to individual PAN Card and bank accounts. We call this as group account. See next answer to know more.
Q12 What is a group account? How is it different from a joint account?
A group account is an unique feature wherein separate individual account can be viewed under a single Login ID. This feature is only available for individuals belonging to the same family (Spouse, parents & children). It is different from a joint account as individual investments & returns are independent of other members and can be viewed seperately .
Q13 Does Finatoz help in planning for my Tax Savings?
Yes, we do help in planning for your tax saving as part of the Financial Planning process. We analyze existing tax savings products and recommend to you based on your risk profile. We generally recommend EEE (Exempt, Exempt, Exempt) products for tax saving.
Q14 What is Risk Profiling?
Risk Profiling is a mandatory step for financial planning and investment. This is a process for finding the optimal level of investment risk for our client. We consider the following criteria for risk profiling: a. Risk Tolerance: How much risk you prefer to take. b. Risk Capacity: How much risk you can afford to take. c. Risk Required: How much risk you need to take. For this we have empanelled with an Australian company Finametrica.
Q15 In case if Finatoz or the "FundsIndia" portal shuts down, how is my money secured?
Your money is invested with the SEBI registered fund house. Your invested money is neither with Finatoz or "FundsIndiaAdvisor" and money is invested directly with the fund house (fund houses like : ICICI Prudential, SBI, HDFC etc.) only. You will get regular stataements from these fund houses directly on your email-id. In case of the unlikely event of Finatoz shutting down, you can easily claim your investments from these fund house using your ID proof.
Q16 Why Finatoz does not prefer to invest in stock markets directly?
Direct equity is usually preferred by traders, who believe in earning quick profit which involves lots of risk. A stock can potentially go down by more than 30% in a single day which might increase your portfolio risk substantially. Since most of our customers are investing their hard-earned money for long term goals, we use diversified Mutual Funds to take exposure to equity rather than direct stock picking.
Q17 How can I exit my engagement with you? Do I need to redeem my investments or close the investment account for it?
Exit option is pretty straight forward. Either party needs to give a 30 day notice to discontinue the service. This is mentioned in the consultancy agreement to be signed with you at the start of the service. If you choose to discontinue the service, your online investment account will not be closed. You can continue to operate it on your own till the time you so desire.
Q18 How do you select funds?
To know about our fund selection methodologies click here.
Q19 What is the frequency of my investment/ planning review?
We keep a close watch on the market and your portfolio is tracked on a continuous basis. Your portfolio and returns are reviewed periodically to ensure that financial goals are met as per set timeframe. On the basis of periodic reviews, the plan is modified if required, according to changed financial condition of the individual / family. The process is cyclic in nature and reviews on periodic basis enables achievement of individual financial goals. The review frequency is 6 months or yearly (based on your subscription).
Q20 How do you manage my investment end to end? Is my approval required for any of your decisions?
We open your investment account in FundsIndiaAdvisor portal. On this portal we are able to manage all our customers portfolios at one place and can create transactions on your behalf, which you need to approve. After the transaction is created in your account, you will receive an intimation(Email/Message/Call). As per the intimation you will need to approve the transaction by "logging in" to your investment account. Once the transaction is approved it will be executed. The process of clients approval is incorporated in our investment structure so as to provide higher transparency level to our customers. We keep you updated about the rationale of switching before creating these transactions on the portal. Read more
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Customer Reviews

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Compliance

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Complaints Status

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Data for the month ending : May 2023

Sr.no. Received from Pending at the end of last month Pending at the end of the month Received Resolved* Total Pending# Pending complaints > 3 months
1 Directly from Investors 0 0 0 0 0 0
2 SEBI (SCORES) 0 0 0 0 0 0
3 Other Sources (if any) 0 0 0 0 0 0
Grand Total 0 0 0 0 0 0

^ 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

Sr.no. Month Carried forward from previous month Received Resolved* Pending#
1 May 2023 0 0 0 0
2 April 2023 0 0 0 0
3 March 2023 0 0 0 0
4 February 2023 0 0 0 0
5 January 2023 0 0 0 0
6 December 2022 0 0 0 0
7 November 2022 0 0 0 0
8 October 2022 0 0 0 0
9 September 2022 0 1 1 0
10 August 2022 0 0 0 0
11 July 2022 0 0 0 0
12 June 2022 0 0 0 0
Grand Total 0 1 1 0

*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

SN Year Carried forward from previous year Received Resolved* Pending#
1 2020-21 0 0 0 0
2 2021-22 0 0 0 0
3 2022-23 0 1 1 0
4 2023-24 0 0 0 0
Grand total : 0 1 1 0

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


Investor Charter

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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

  • 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 Know Your Client Registration Agency (KRA) and Central Know Your Customer Registry (CKYC).
  • To conduct audit annually.
  • To disclose the status of complaints in 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 number
  • To maintain records of interactions, with all clients including prospective clients (prior to onboarding), where any conversation related to advice has taken place.

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

    1. Onboarding of Clients:

  • Sharing of agreement copy
  • Completing KYC of clients

    2. 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.

    3. To provide investment advice to the client based on the risk-profiling of the clients and suitability of the client.

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

    1. In case of any grievance / complaint, an investor should approach the concerned Investment Adviser and shall ensure that the grievance is resolved within 30 days.

    2. If the investor’s complaint is not redressed satisfactorily, one may lodge a complaint with SEBI on SEBI’s 'SCORES' portal which is a centralized web based complaints redressal system. SEBI takes up the complaints registered via SCORES with the concerned intermediary for timely redressal. SCORES facilitates tracking the status of the complaint.

    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.

    SEBI local Office Address: Bengaluru Local Office Address 2nd Floor, Jeevan Mangal Building, No.4, Residency Road, Bengaluru - 560025, Karnataka Tel. Board: +91-080-22222262/ 22222264/ 2222 2283 E-mail : bangalore-lo@sebi.gov.in

E. Expectations from the investors (Responsibilities of investors)

    Do’s

    i. Always deal with SEBI registered Investment Advisers.

    ii. Ensure that the Investment Adviser has a valid registration certificate.

    iii. 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&intm Id=13)

    iv. 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.

    v. 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.

    vi. Ask all relevant questions and clear your doubts with your Investment Adviser before acting on advice.

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

    viii. 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.

    ix. Be vigilant in your transactions.

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

    xi. Inform SEBI about Investment Advisers offering assured or guaranteed returns.

    Don’ts

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

    xiii. Do not provide funds for investment to the Investment Adviser.

    xiv. 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.

    xv. Don’t fall prey to luring advertisements or market rumors.

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

    xvii. Don’t take decisions just because of repeated messages and calls by Investment Advisers.

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

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

    xx. Do not share login credential and password of your trading and demat accounts with the Investment Adviser.

Disclosures

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

"Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors" ​

Engagement Documents

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We execute an agreement and do the periodic risk profiling for all our clients, see the documents listed below for details.



Grievances Redressal Mechanism

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For any complaints on our services, kindly mail us at complaint@finatoz.com. Complaints raised on this email-id will be accessed by the senior management of our company and will be treated in the utmost priority. In case the company is not able to resolve your complaint to your satisfaction, you have a choice to raise your complaint to the SEBI complaint redressal system. Such complaints can be made to https://scores.gov.in/scores/Welcome.html

Compliance Officer

Mr Deepak Jain, 9740030700, deepak@finatoz.com

Principal Officer

Mr Shailendra Kumar, 9900142993, shailendra@finatoz.com