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   INVESTMENT SUITABILITY REPORT





INVESTMENT SUITABILITY REPORT



Prepared For :



Name: Mr./Ms./Mrs._____________________,

Father’s Name: S/O or D/O or W/O Mr. _____________________,

Address: Resident of Adress_______________________, City _________, State ______________, Pin Code ___________,



Prepared by :



Money Secure Investor – Investment Advisor

Indore (M.P.)

INA000008817



INTRODUCTION :



The objective of this report is to inform you regarding your investment suitability, here we have assessed and summarized your risk profile and our recommendations, Risk exists in a number of different situations, but your main concern is with financial risk, which is the volatility associated with the prices on and returns from investments.

It is important to remember that investment returns may fluctuate and are not guaranteed, and you might not get back the original value of your investment. So, it is our responsibility to inform and explain each and everything which is involved in Investment process.

This Report does not provide any new investment advice and recommendations. Our model of advisory is fee based which does not include any commission or remuneration, referral fee and any other payment from any third party or person. The main purpose of preparing this report is to meet your investment objective. The suitability of an investment for a particular person is at very heart of the investment process. This is a fundamental concept both from legal perspective and in terms of putting investor’s money to work sensibly and prudently.



SEBI REGULATIONS INVOLVED :



As per Securities Exchange Board of India (SEBI), Investment Advisor Regulations 2013, Regulation 17 gives details about the point which are mentioned in the suitability report and in regulation 19(c) the suitability assessment of advice being provided to the client



FOR CLIENT :



NAME OF CLIENT Mr./Ms./Mrs._____________________

RISK SCORE ________ Out of 25.

RISK PROFILE ______________

SERVICE ___________________

RISK NATURE ________________ Risk Bearing capacity



SERVICE DETAILS :



NAME OF SERVICE: ___________________

SUBJECT MATTER The advice and recommendation are based on fundamental and technical analysis.

FREQUENCY OF SERVICE ________________.

In this service, we provide Intraday Recommendations MARKET NSE

RISK NATURE ________________.



PAST PERFORMANCE :



Past performance is not an evidence for future success, but in every field, benchmark is important for comparison. Past performance indicates that how the service is profitable for the client and prepares the benchmark for calculating the profitability and accuracy. We have attached our track sheet record of the services which indicates the success ratio of the Service.



CONCLUSION :



The Risk Profile of you indicates that you are __________ . Risk bearer client, in your investment and the services we recommended for you match your Risk profile.

  • You are agreed on the Risk Profile, Risk Score.
  • You are ready to bear all types of Risk.
  • You are satisfied with the Risk Profile
  • You are aware about the risk factor involved in market and service.
  • You are agreed for all the Disclosures, Terms and conditions, and disclaimer which are mentioned in the website.





ASSESSMENT DONE BY :

MONEY SECURE INVESTOR INVESTMENT ADVISOR

INA000008817



















   INVESTMENT ADVISORY SERVICE AGREEMENT



This Investment advisory agreement is made on the date of ___________________, as specified below

by and between

Money Secure Investor a firm registered under ‘SEBI Investment Advisers Regulation 2013’, having its Office at Indore, Madhya Pradesh, 452010 (hereinafter referred as the “Investment Adviser or Party No. 1) of the first part

(hereinafter referred as the “Investment Adviser or Party No. 1) of the first part

And

Mr./Ms./Mrs._____________________,
S/O or D/O or W/O Mr. _____________________,
D.O.B.(dd.mm.yyyy) : ___.___.______,
R/O : Resident of Adress_______________________, City _________, State ______________, Pin Code ___________,


Aadhar no. _____________________, Pan Card no. _____________________,

(Hereinafter referred as Client or Investor or Party No. 2) of the second part.

(Hereinafter Party No. 1 and Party No. 2 are collectively referred as Parties) s

The terms Party No. 1 and Party No. 2 wherever occur shall mean and include their heirs, executors, legal representatives and assigns witnessed as follows:

PURPOSE

WHEREAS, the Party No.1 or Money Secure Investment Advisor WHEREAS Investment Adviser is been authorised by SEBI to provide investment advice in terms of SEBI (Investment Advisers) Regulations, 2013.

Money Secure Investment Advisor is in the profession of providing investment planning advice to individuals and is willing to perform such services for the Client upon the terms and conditions set forth. It is involved in the business of providing advisory services related to Stock Advice, which includes but is not limited to providing research in reference to the market study of stock and commodity market, identification of market size, pricing, possible entry points, barriers to entry and the prevailing trends of the stock and commodity market etc (hereinafter referred as “the Services”) and as of present and foreseeable future specifically in the business of market advisory services in India.

WHEREAS , the Client or Party No. 2 The Client wishes to obtain advice about related investment and financial affairs & wishes to invest in the securities market in accordance with the advice of the Investment Adviser.

NOW, THEREFORE , in consideration of the mutual covenants contained in this agreement, the parties

hereby agree as follows:

TERMS OF AGREEMENT AS SPECIFIED BY REGULATING BOARD

For there to be a successful investment advice relationship, it is agreed between Money Secure Investment Advisor and the Client that:

1. Appointment of the Investment Adviser : In accordance with the applicable laws, client hereby appoints, entirely at his / her / its risk, the Investment Adviser to provide the required services (advice relating to investing in, purchasing, selling or otherwise dealing in securities or investment products, and advice on investment portfolio containing securities or investment products, whether written, oral or through any other means of communication for the benefit of the client and shall include financial planning )in accordance with the terms and conditions of the agreement as mandated under Regulation19(1)(d) of the Securities and Exchange Board of India (Investment Advisers) Regulations,2013.

2. Consent

The Client hereby provides consent to the following that he/she had read and understood the terms and conditions of Investment Advisory services provided by the Investment Adviser along with the fee structure and mechanism for charging and payment of fee and based on my written request to the Investment Adviser, an opportunity was provided by the Investment Adviser to ask questions and interact with ‘person(s) associated with the investment advice’.

3. Declaration from Investment Adviser (Party 1)

The Investment Adviser hereby declares that it

(a.) shall neither render any investment advice nor charge any fee until the client has signed this agreement.

(b.)shall not manage funds and securities on behalf of the client and that it shall only receive such sums of monies from the client as are necessary to discharge the client’s liability towards fees owed to the Investment Adviser.

(c.)shall not, in the course of performing its services to the client, hold out any investment advice implying any assured returns or minimum returns or target return or percentage accuracy or service provision till achievement of target returns or any other nomenclature that gives the impression to the client that the investment advice is risk-free and/or not susceptible to market risks and or that it can generate returns with any level of assurance.

4 . Fees specified under Investment Adviser Regulations and relevant circulars issued thereunder:

As per the Regulation 15A of the SEBI Investment Adviser Regulations and Circular SEBI/HO/IMD/DF1/CIR/P/2020/182 on Guidelines for Investment Advisers dated September 23, 2020, an Investment Adviser can charge fees from the clients in either of the two modes:

a) Assets Under Advice (AUA) mode or b) Fixed Fee Mode. The maximum fee that Investment Adviser can charge is 2.5% of AUA or Rs.1,25,000 per annum.

5. Fees:

The advisory fees would be Rs.____________/- for subscribing the services of ___________________.

We are SEBI registered Investment Advisor & our relationship will be FEE ONLY, which means our compensation only comes from your fees, not from commissions or referrals. So, you can be sure that we only have your best interest in mind, also we have not earned and charged any type of commission and referrals fee.

Client agrees to pay to the Investment Adviser fee on the first business day of each calendar month/quarter. The Client acknowledges that the Investment Adviser will immediately stop providing investment advisory services in the event that the Investment Adviser has uncollected accounts receivable from Client for more than a month. Further the client shall refer the Fees Schedule in Annexure II

6. SCOPE OF SERVICES: The services to be provided by the Investment Adviser (Party 1) to be described in detail, the same are mentioned on our website www.moneysecureinvestor.com However, the same shall be subject to the activities permitted under the Securities and Exchange Board of India (Investment Advisers) Regulations, 2013. The Investment Adviser shall act in a fiduciary capacity towards its clients at all times. The facts and figures of the advice will be related to the National Stock Exchange and the subject matter of the services is always listed securities.

Investment Adviser provides the services as mentioned in Annexure I. Further based on your Risk Capacity and considering your Age, Income, Investment Goal, Disposable income and other factors, Investment Adviser has advised and client has also agreed to take Stock Option service. Further, the Investment Adviser shall act in a fiduciary capacity towards its clients at all times.

Services Offered. As discussed, this engagement may include as per subscribed services;

  • All services required to achieve your financial objective
  • Setting Financial Goals & Objectives.
  • Developing a summary of your current financial situation.
  • Risk profile assessment and suggestions with risk profile test.
  • Detailed Research Report.
  • Continuous Investment advice on your investment matters.

Client Assets. The Client will hold all assets. Money Secure Investor Investment Advisor will not receive, retain, or otherwise physically control any of the Client's cash, securities, or other assets.

The Investment adviser shall always act in a fiduciary capacity towards the client.

Confidentiality. All information and advice furnished by either party to the other, not disclosed to third parties except as agreed upon in writing by this contract or required by law.

Legal, accounting, and tax advice The Investment Adviser is not qualified to give an accounting, legal, and Tax advice. The Investment adviser will provide the tax invoice for the payment and charge the Good and Services Tax. This Good and Services Tax amount is not part of the fee amount client will bear this amount. In any case, this tax amount shall not refundable. If the client registered under the Goods and Services Tax, as a registered supplier, then it is a clear responsibility of the client to disclose the GSTIN on before the Adviser.

Communication & representation: Only written communication is valid in this investment advisory process; oral and informal communication is null under the preview of this agreement. On the other hand, Investment will not accept any form of representation on behalf of the client in any stage of engagement. Investment advisory services are for the client only.

Development of recommendations. As the Client's Advisor, Money Secure Investor Investment Advisor agrees to review all information provided by the Client. The recommendation and advice developed by Money Secure Investor Investment Advisor are based upon our technical and fundamental analysis as an investment advisor and results of the recommendation and advice cannot be guaranteed.

Implementation of advice: The Client is free to implement of our advice and recommendation. The Investment adviser not provide any type of execution and distribution activities

Strategy of advice: Investment advice is purely based on technical analysis.

Responsibilities of the client

  • The Client agrees to provide information regarding income, investments, income tax situation, estate plans, and other pertinent matters as requested by Money Secure Investor Investment Advisor
  • The investment adviser shall not be required to verify any information obtained from the Client, his/her Advocate, or his/her accountant.
  • The Client is free always to accept or reject any recommendations from Money Secure Investor Investment Advisor
  • Investment Advisor, and the Client acknowledges that he/she has sole authority regarding the implementation.
  • The Client acknowledges that Money Secure Investor Investment Advisor cannot adequately perform services on the Client's behalf unless the Client performs such responsibilities.
  • The client shall be fully responsible for his/her computer, Mobile phone and other electronic system with mail in respect to dealing with Money Secure Investor Investment Advisor.
  • In this engagement, the principle of Caveat Emptor will be strictly enforced. The burden of loss on the shoulders of the client, if the client is giving any incorrect information or concealment of important information.
  • The client shall read and understand the all terms & Conditions, Disclosures and Disclaimers.
  • The Client shall sole responsible for his/her past, present and future investment decisions and engagements which are not covered in this agreement.
  • The Client shall agree to co-operate in comply of SEBI (Investment Adviser) Regulations, 2013 and other applicable regulations.

Risk factors. The Client acknowledges and confirms that he/she is aware that all investments involve the risk of adverse or unanticipated market, financial, political, economic, global developments which may lead to fluctuation or deep erosion of values of investments made, which may or may not be pre-determined or determinable at the time of rendering the Investment advisory services by Money Secure Investor Investment Advisor. The securities market is full of risk and is not suitable for an investor who has a low-risk profile. The details of risk associated with services are defined in Schedule

Market risk: EVERY INVESTMENT IS SUBJECT TO MARKET RISK AND ANY INVESTMENT MADE BY THE CLIENT CAN ALSO RUN INTO LOSSES AND EVEN BECOME ZERO.

Fee structure: The description of fee structure is always available on website of Money Secure Investor Investment Advisor. The volume of fee is based on two factors one is services which you choose and another one is tenure of service. Money Secure Investor Investment Advisor will send the separate sheet regarding the fee and product.

The Client and the Investment Adviser each have duties and obligations under this Agreement. By signing this Agreement, the Client and the Investment Adviser agree to perform the following:

The Investment Adviser agrees to deliver the following investment advice process:

I. DEFINE how the Investment Adviser will work together with Client

II. LEARN about Client and Client’s goals

III. ANSWER Client’s questions

IV. ANALYZE individual stocks for possible acquisitions for Client’s portfolio

V. CONSTRUCT an investment advice on individual stocks that the Investment Adviser believes to generate favourable risk-adjusted investment returns for Client

VI. MEASURE, MANAGE, and REPORT to Client the progress of the investment advice provided

VII. UPDATE Client’s strategy to accommodate changes

Client agrees to:

VIII. Provide all documents and information requested [specification missing if related to future requirement]

IX. Provide the Investment Adviser with written authorization whenever Client wishes the Investment Adviser to disclose Client’s confidential information to third parties.

X. Inform the Investment Adviser promptly of changes in Client's personal financial situation

Definitions :

In this Agreement (including the above Recitals) and in the Annexures hereto, unless the context otherwise requires, the following expressions shall have the respective meanings set out against them:

I. Act means SEBI Act, 1992.

II. Capital means an amount maintained by client in his Trading Account.

III. Client means any person who has subscribed to the Investment Adviser’s products or services or who has entered into this Agreement.

IV. Derivative means as defined under section 2 of the Securities Contract Regulation Act, 1956 an includes interalia the following:

V. A security derived from a debt instrument, share, loan whether secured or unsecured, risk instrument or contract for differences or any other form of security;

VI. A contract which derives its value from the prices, or index or prices, of underlying securities

VII. Effective Date means the date of execution of this Agreement.

VIII. Financial Risk is a type of danger that can result in the loss of capital.

IX. Futures are derivative financial contracts that obligate the parties to transact an asset at a predetermined future date and price.

X. Investment Adviser means Alka Shrivastava proprietor of Money Secure Investor – Investment Adviser INA000008817

XI. Options: : The contractual right, but not obligation, to buy (call option) or sell (put option) a specified amount of underlying security at a fixed price (strike price) before or at a designated future date (expiration date). The option writer is the party that sells the option. As per the Securities Contract

XII. Regulation Act (SCRA), “option in securities” means a contract for the purchase or sale of a right to buy or sell, or a right to buy and sell, securities in future, and includes a teji, a mandi, a teji mandi, a galli, a put, a call or a put and call in securities.

XIII. Price Target is the projected future price level of an asset as stated by an investment adviser. The price target is based on assumptions about the asset's future supply and demand, technical levels, and fundamentals.

XIV. Quarter means a period of 3 successive calendar months ending on the last date of the month of March or June or September or December of the respective calendar year.

XV. Regulations means SEBI (Investment Advisers) Regulations, 2013.

XVI. SEBI means Securities and Exchange Board of India.

XVII. Securities means Securities as defined under Section 2 of Securities Contracts and Regulation Act, 1956.

XVIII. Services means the investment advisory services provided by the Investment Adviser, more particularly set out in the Annexure I.

XIX. Stock is a general term used to describe the ownership certificates of any company.

XX. Stop loss means an advance order to sell an asset when it reaches a particular price point. It is used to limit loss or gain in a trade.

XXI. Trailing stop loss is a type of stop-loss order that combines elements of both risk management and trade management. Trailing stops are also known as profit protecting stops because they help lock in profit on a trade while also capping the amount that will be lost if the trade doesn't work out.

XXII. Website www.moneysecureinvestor.com and such other internet sites maintained/launched/designated by Investment Adviser.

7 . ROLE, FUNCTIONS AND RESPONSIBILITIES OF THE INVESTMENT ADVISER :

Functions, obligations, duties and responsibilities of the Investment Adviser Party 1 (including principal officer and all persons associated with the investment advice), with specific provisions covering, inter alia,:

· Terms of compliance with the Securities and Exchange Board of India (Investment Advisers) Regulations, 2013 and its amendments, rules, circulars and notifications.

· Compliance with the eligibility criteria as specified under the Investment Adviser Regulations at all times.

· Risk assessment procedure of client including their risk capacity and risk aversion.

· Providing reports to clients on potential and current investments.

· Maintenance of records i.e. client-wise KYC, risk assessment, analysis reports of investment advice and suitability, terms and conditions document, related books of accounts and a register containing list of clients along with dated investment advice and its rationale in compliance with the Securities and Exchange Board of India (Investment Advisers) Regulations, 2013.

· Provisions regarding audit as per the Securities and Exchange Board of India(Investment Advisers) Regulations, 2013.

· Investment Adviser undertake to abide by the Code of Conduct as specified in the Third Schedule of the Securities and Exchange Board of India (Investment Advisers) Regulations, 2013 as mentioned in Annexure V.

· Investment Adviser also undertakes to keep the SEBI registration valid throughout the term of the Agreement and shall maintain the Net worth and shall also ensure that Investment Adviser, principal officer, persons associated with the investment advice are qualified and certified all times as per the Regulations.

· Further, Client has hired Investment Adviser to act as his or her investment adviser to perform the services described in this Agreement. Specifically, client grants Investment Adviser full power to direct the investment and reinvestment of the assets in the account, the proceeds and any additions. Investment Adviser’s authority over client’s investments includes discretionary authority to advice the client regarding purchase, sell or hold securities for client’s account in accordance with client’s objectives as client has communicated them to Investment Adviser. Investment Adviser will have no authority to execute any trade or withdraw or transfer assets from client’s account.

· Investment Adviser will generally be available to discuss client’s account during normal business hours.

· Investment Adviser will attempt to review with client at least annually to discuss client’s investment needs, goals and objectives.

· No services other than those discussed in this Agreement, are implied or guaranteed, except as individually negotiated and confirmed in writing.

· Investment Adviser is responsible only for the assets (financial assets) over which client has provided Investment Adviser discretionary authority and not for the diversification or prudent investment of any other assets of Client.

· Investment Adviser is acting as a fiduciary regarding its investment advisory services for Client and must put Client’s interests above its own in managing Client’s account. Investment Adviser agrees to provide these services to Client in a manner consistent with its fiduciary duty to Client and the provisions of all applicable laws, including the SEBI Investment Advisers Regulations, 2013. (the “Regulations”). Before signing this agreement and periodically during the parties’ advisory relationship, Investment Adviser will provide Client written disclosures of any conflicts of interest that might reasonably compromise Investment Adviser’s impartiality or independence.

· Investment Adviser represents and warrants that Investment Adviser(including its Investment Adviser Representatives) do not receive any compensation or other remuneration that is contingent on any client’s purchase or sale of a financial product. Investment Adviser does not receive a fee or other compensation from another party based on the referral of a client or client’s business. Investment Adviser may refrain from rendering any advice or services concerning Securities of companies in which Investment Adviser may have substantial economic interest or other conflict, unless Investment Adviser discloses such conflict to Client before providing such advice or services with respect to Client’s account.

Responsibilities

· Investment advisor has qualification and certification as per SEBI (Investment Advisor) Regulations, 2013.

· As per process, the client have to complete the risk profiling assessment, the Investment Decisions will be as per your Risk Group applicable and the resultant Asset Allocation will be a function of your Risk Group.

· Risk assessment report, the basis on which we will select the investment product, and the categories along with the investment product that suits the client's requirement. The risk profile evaluation process is a mandatory process before any engagement between the parties, the risk profile assessment is mandatory to be completed.

· Advice provided will be based on client’s Investment Objective/s and financial Situation and has reason to believe that Client has reasonable understanding on the Risks associated with the Product or Assets work, Experience & Knowledge and capacity to absorb losses.

8. CLIENT’S RESPONSIBILITIES :

· Client agrees to deliver to Investment Adviser a written statement of his or her investment objectives, policies and restrictions, as Investment Adviser may reasonably require. Client also agrees to provide all corporate resolutions or similar documentation necessary to establish the undersigned’s authority to execute and deliver this Agreement. Client agrees to promptly deliver all amendments or supplements to these documents and agrees that Investment Adviser will not be liable for any losses, costs, damages or claims arising out of Client’s failure to provide Investment Adviser with any of these required documents, Client acknowledges that Investment Adviser’s services to Client will depend upon the information that Investment Adviser has concerning Client’s net worth, income, investment goals and objectives, ability to assume risk, income needs, tax situation and estate plan, and other similar information. Therefore, Investment Adviser cannot adequately perform those services unless Client provides Investment Adviser with this information, updates it when it changes and otherwise diligently performs his or her responsibilities under this Agreement. Among other things, Client represents that the information set forth in the Risk profiling form is an accurate representation of his or her financial position and the investment needs for the account. Client will promptly inform Investment Adviser of any significant changes in that information. Client will also provide Investment Adviser with any other information or documentation that Investment Adviser may request in connection with this Agreement or related to Client’s investment profile. Client is responsible for the accuracy and completeness of all information provided to Investment Adviser and agrees that Investment Adviser is not responsible for any losses, costs, damages or claims caused by Client’s failure to provide such information to Investment Adviser.

· Client also agrees to provide its PAN No. along with its ID proof as in when required by the Investment Adviser for completing the KYC of client. Client also acknowledges that Investment Adviser may also fetch his KYC details from the KRA Portal(s) and in case of mismatch of any details Investment Adviser may ask for a fresh KYC from client. Client shall provide correct and accurate details to the Investment Adviser when Investment Adviser is carrying out his Risk Profiling, so that Investment Adviser may provide suitable investment advice to the client.

· Client also agrees to give Investment Adviser prompt written notice of any modifications, changes or investment restrictions applicable to the account and to notify Investment Adviser if Client deems any investments recommended or made for the account to be in violation of such investment objectives or restrictions. Unless Client promptly notifies Investment Adviser in writing of specific investment restrictions on the account, investments in line with Client’s stated investment objectives that Investment Adviser recommends or makes on behalf of Client shall be deemed to be in conformity with Client’s investment objectives.

· Client acknowledges that tax considerations are not generally a factor in providing investment advice, and that it is Client’s responsibility to notify Investment Adviser if such considerations are relevant to Client’s overall financial circumstances.

· If Client wants to make a particular investment that Investment Adviser did not recommend using funds in the Advisor-managed account, Client must withdraw the funds needed before making the investment to eliminate any question of responsibility for the performance of this investment. If Client makes trades in an account that Investment Adviser has not agreed to make trades in, Investment Adviser may immediately discontinue services and cancel this Agreement. Further the Investment Adviser shall not be responsible, if the client makes the trade in excess of the lot size, quantity or other limit specified by the Investment Adviser. If during the term of this Agreement, Client asks Investment Adviser to advice on certain specific individual securities at the direction of Client, Client acknowledges that Investment Adviser shall do so as an accommodation only and that Client shall maintain exclusive ongoing responsibility for monitoring these individual securities and their disposition. Client acknowledges and agrees that Investment Adviser is in no way responsible for the performance of securities that Client purchases on Client’s own, regardless of whether they are reflected on any quarterly account reports prepared by Investment Adviser.

· Client agrees that Investment Adviser is entitled to rely upon the accuracy of information furnished by Client or on Client’s behalf, without further investigation. Investment Adviser is not required to verify any information obtained from Client or Client’s other professional advisors, such as accountants or attorneys.

·

9. INVESTMENT OBJECTIVE AND GUIDELINES:

a) Investment Adviser shall provide investment advice of securities

b) Types of securities in which investment advice would be provided, including an undertaking from the investment adviser to recommend direct implementation of advice i.e. through direct schemes/direct codes, and other client specifications / restrictions on investments, if any.:

c) The Investment Advice will be provided only in the securities listed in NSE.

d) The details of the subscribed services already communicated & clearly updated on website

e) Particulars regarding financial plan or model or strategy as agreed with the client (based on the risk profiling conducted for the client, total AUA of the client and time period for deployment).”

f) Client expressly understands and agrees that Investment Adviser is not qualified to, and does not purport to provide, any legal, accounting, estate, actuary, or tax advice or to prepare any legal, accounting or tax documents. Nothing in this Agreement shall be construed as providing for such services. Client will rely on his or her tax attorney or accountant for tax advice or tax preparation. Even if Investment Adviser’s reports to Client may be used to assist Client in preparing tax returns, the reports do not represent the advice or approval of tax professionals. But Client may request Investment Adviser to provide assistance in the coordination of estate and tax planning with Client’s designated estate and tax advisors. Client agrees to review the brokerage statements, transaction confirmations and tax reporting forms provided by the Custodian for tax-related information. Client acknowledges that any sales, exchanges or dispositions of securities may have federal and/or state income tax consequences for Client and may result in Client having to pay additional taxes.

10. Risk Factors:

Based on risk involved in Stock Market, financial profile and investment experience, clients can be categorized into following categories: -

a) Aggressive Investors (High Risk) - As an aggressive investor you are ready to take higher risk expecting greater returns. This is a result of your urge to get more income and capital growth. You are well place to recover from unforeseen market downturns either because you have time on your side or access to capital returns.

b) Moderate Investors (Medium Risk) – As a moderate investor your portfolio should have a bias towards capital growth and a little need of income. You are prepared to accept higher degree of volatility and risk. Your primary concern is to accumulate assets over the medium to long term.

c) Conservative Investor (Low Risk) - As a conservative investor your investment portfolio is directly focused on capital growth as well as protecting the wealth already accumulated by you. Your portfolio should be yielding capital for maintaining assets. Calculated risk is accepted to yield better returns.

The risk assessment is being shared above with Party 2 before subscription of the services.

For Types of risks and services covered under them Please refer Annexure VII

Minimum Investment Amount : The client shall all time maintain in its trading Account a minimum balance, as per service requirement as per mention on website. In case client changes its investment amount, he/she shall promptly inform the Investment Adviser.

Means of communication: The Investment Adviser will render investment advice by the way of SMS only. Client shall only accept such advice which is provided to him/her by SMS. Investment Adviser shall not be liable if the client accepts the advice which is provided to him by any other means.

Further client shall acknowledge any communication via [email protected] only. Investment Adviser will not be liable for any email which is been received by client from any other domain name.

11. VALIDITY OF ADVISORY SERVICES: This Advisory Services shall remain in force as long as mutually agreed to by Client and by the Investment Adviser. Further, if the client wishes to renew his/her existing services, then he/she may intimate Investment Adviser in writing and shall pay the renewal fees before the expiry of the current service duration.

Details shared in the Clause 1 of this agreement.

12. AMENDMENTS: The Amendments of the agreement regarding any clause and sub-clause of the agreement is a matter of mutual written consent of the parties. However, no amendment in relation to the provisions of the Regulations will be accepted.

13. TERMINATION – This Agreement may be terminated under the following circumstances, namely-

(a) Voluntary / mandatory termination by the Investment Adviser.

(b) Voluntary / mandatory termination by the client.

(c) Suspension/Cancellation of registration of Investment Adviser by SEBI.

(d) Any other action taken by other regulatory body/ Government authority.

In case of a voluntary termination of the agreement, the client would be required to give a 30 days prior written notice while the Investment Adviser would be required to give a 30 days prior written notice.

In case of suspension of the certificate of registration of the IA, the client may be provided with the option to terminate the agreement.

The client shall not assign, transfer, or in any other manner make over to any to any third party the benefit and/or burden of this agreement without the prior written consent of Money Secure Investor Investment Advisor.

Upon receipt of a notice of termination from the Client, the Investment Adviser shall immediately cease providing investment advice. Thereafter, the Investment Adviser shall have no responsibility with respect to the existing investments of the client. If the termination occurs prior to the end of a month/quarter, fees will be prorated in an amount equal to the portion of the fee attributable to the provided services. Upon termination of the Agreement by the Client, the Client shall be responsible for paying the Investment Adviser the final monthly/ quarterly fees. Further, in the event of pre-mature termination of the Investment Advisory services in terms of agreement, the client shall be refunded the fees for unexpired period. However, Investment Adviser may retain a maximum breakage fee of not greater than one quarter fee.

14. IMPLICATIONS OF AMENDMENTS AND TERMINATION : The implications of Amendment, Termination and assignment, such as set off of fees received by the Investment Adviser, refund of fees, completion/termination of investment-in-progress, transition support obligations of the Investment Adviser, etc. shall also be provided in detail.

The Implications of Amendments and termination of agreement may be discussed & decided as per contemporaneous conditions with mutual written consent of the both parties.

15. RELATIONSHIP WITH RELATED PARTIES: The Investment Adviser to clearly declare that it is carrying on its activities independently, at an arms-length basis with its related parties.

Investment Adviser is not affiliated with any other intermediary. Investment Adviser does not recommend any stock broker or other intermediary to a client. We do not receive any consideration by way of remuneration or compensation or in any other div whatsoever from stock broker or other intermediary. Further, to avoid any conflict of interest, neither Investment Adviser nor any of its person associated with the investment advice trade in the products under services. Investment Adviser also do not have any association in any manner with any issuer of products/ securities, this ensures that there are no actual or potential conflicts of interest. This also ensures that objectivity or independence in the carrying on of investment advisory services is not compromised.

16. INVESTMENT ADVISER ENGAGED IN OTHER ACTIVITIES:

(i) The Investment Adviser (individual) to represent to the client that it maintains an arms-length relationship between its activities as an investment adviser and other activities and to covenant that this arm’s length relationship shall be maintained throughout the tenure of advisory service;

The Investment Adviser shall not provide any distribution services, for securities and investment products, either directly or through their group to an advisory client and shall not provide investment advisory services, for securities and investment products, either directly or through their group to the distribution client.

17. REPRESENTATION TO CLIENT: The investment adviser to ensure that it will take all consents and permissions from the client prior to undertaking any actions in relation to the securities or investment product advised by the investment adviser.

18. NO RIGHT TO SEEK POWER OF ATTORNEY: We at ‘Money Secure Investor Investment Adviser’ clearly declare that we shall never seek any power of attorney or authorizations from its clients for implementation of investment advice.

19. NO CONFLICT OF INTEREST:

Investment Adviser shall act in a fiduciary capacity towards the client and disclose all conflicts of interest as and when they arise and not derive any direct or indirect benefit out of the client’s securities/investment products. Investment adviser shall also disclose to the client any actual or potential conflicts of interest arising from any connection to or association with any issuer of products/ securities, including any material indication or facts that might compromise its objectivity or independence in the carrying on of investment advisory services.

Investment Advisor does not provide any distribution and execution services.

Custody of Assets and Brokerage of transactions:

Investment Adviser shall not be liable to Client for any act, conduct or omission by the Custodian in its capacity as broker or custodian. Investment Adviser shall not be responsible for ensuring Custodian’s compliance with the terms of the brokerage account or payment of brokerage or Custodian charges and fees. Client shall be responsible for brokerage expenses that are billed directly by the Custodian.

The assets in the account remain in Client’s possession at all times and in the custody of the Custodian. At no time will Investment Adviser accept, maintain possession or have custodial responsibility for Client’s funds or securities. Client funds and securities will be delivered between Client and the Custodian only.

If in case any person asks for access of the client’s account, client shall not provide any access to that person and shall promptly inform the Investment Adviser by writing a mail at [email protected]

Non-Exclusivity :

Client acknowledges that Investment Adviser shall be free to render investment advice to others and Investment Adviser does not make its investment management services available exclusively to Client. Client also understands that Investment Adviser provides investment advisory services to multiple clients with different economic needs and agrees that Investment Adviser may give advice and take action with respect to any of its other clients, which may differ from the advice given or the timing or action taken regarding Client’s account. Nothing in this Agreement shall impose on Investment Adviser any obligation to Client to purchase, sell or recommend for purchase or sale any security that Investment Adviser, its principals, affiliates, officers, members or employees may purchase or sell for their own accounts or for the account of any other client if in the sole and absolute discretion and reasonable opinion of Investment Adviser it is not for any reason practical or desirable to acquire a position in such security for Client’s account. Client understands that conflicts of interest could exist between Client’s account and other clients including with respect to the allocation of investment opportunities, time, and resources between Client and other clients. Investment Adviser may determine in its sole discretion to allocate certain investment opportunities to its other clients and not Client and vice versa. Although Investment Adviser will use its best efforts to advice it’s all clients consistently, factors including date of account opening, account additions, withdrawals, and different investment choices may lead to different investment advices for similarly situated clients. Client also acknowledges that transactions in a specific security may not be accomplished for all clients at the same time at the same price.

20. MAINTENANCE OF ACCOUNTS AND CONFIDENTIALITY (IF APPLICABLE):

Investment Adviser shall be responsible for maintenance of client accounts and data as mandated under the Securities and Exchange Board of India (Investment Advisers) Regulations, 2013. All indivation furnished by the Client to the Investment Adviser including Client's identity, shall be treated as confidential. The Investment Adviser agrees not to voluntarily disclose confidential indivation without Client's prior consent (unless required by law, court order or agency directive, or unless the Investment Adviser expects, in its reasonable opinion, that it will be compelled by a court or government agency, or unless such indivation becomes publicly available or known other than as a result of actions of the Investment Adviser).

21.TERMS OF FEES AND BILLING:

(a) Provide specific details on the following:

(i) The quantum and manner of payment of fees for investment advice rendered.

(ii) Fee modalities and periodicity, by attaching a detailed fee schedule to the agreement;

(iii) Illustration(s) on how the fee will be determined;

(iv) whether payment to be made in advance;

(v) type of documents evidencing receipt of payment of fee;

(vi) Periodicity of billing with clear date and service period.

In the condition of amendment or termination, the advance fee will adjust as per terms of agreement.

(b) The payment of fees shall be through a mode which shows traceability of funds. Such modes may include account payee crossed cheque/ Demand Drafts or by way of direct credit to the bank accounts through NEFT/ RTGS/ IMPS/ UPI or any other mode specified by SEBI from time to time. However, the fees shall not be accepted in cash.

22. LIABILITY OF INVESTMENT ADVISER. The agreement to clearly state that the ‘Money Secure Investor Investment Adviser’ shall not incur any liability by reason of any loss, which a client may suffer by reason of any depletion in the value of the assets under advice, which may result by reason of fluctuation in asset value, or by reason of non-performance or underperformance of the securities/funds or any other market conditions.

Terms as specified:

· Except as otherwise provided by law, Investment Adviser or its officers, directors, employees or affiliates will not be liable to Client for any loss that:

· client may suffer by reason of any depletion in the value of the assets under advice, which may result by reason of fluctuation in asset value, or by reason of non-perdivance or under-perdivance of the securities/funds or any other market conditions;

· Client may suffer as a result of Investment Adviser’s investment advice or other action taken or omitted in good faith and with the degree of care, skill, prudence and diligence that a prudent person acting in a similar fiduciary capacity would use in conducting an enterprise of a similar nature and with similar objectives under the circumstances;

· Caused by following Client’s written or oral instructions;

· Caused by using inaccurate, outdated or incomplete indivation provided by Client and/or by Client’s failure to promptly inform Investment Adviser of changes in his or her financial and/or economic situation, investment objectives or any restrictions that may affect the management of Client’s account;

· Caused by any action or omission by the Custodian, any broker or dealer to which Investment Adviser advices transactions for Client’s account or by any other third-party professionals or service providers;

· Resulting from the failure or delay in perdivance of any obligation under this Agreement arising out of or caused by circumstances beyond Investment Adviser’s reasonable control, including, without limitation, acts of God, earthquakes, fires, floods, wars, terrorism, civil or military disturbances, sabotage, epidemics, riots, interruptions, loss or malfunctions of utility, computer software or hardware, transportation or communication service, accidents, labour disputes, acts of a civil or military authority;

· Governmental actions or inability to obtain labour, material, equipment or transportation; or

· Consisting of any indirect, special, incidental or consequential damages.

· If Client’s account contains only a portion of Client’s total assets, Investment Adviser shall only be responsible for those assets that Client designates as the subject of Investment Adviser’s investment management services under this Agreement. Client agrees that Investment Adviser need not consider additional assets over which Client has not given Investment Adviser discretionary authority.

23. REPRESENTATIONS AND COVENANTS: Adequate and appropriate representations about qualifications of the adviser, principal officer, persons associated with the investment advice , receipt of all applicable approvals and consents (from regulatory / statutory bodies, third party consents, corporate approvals etc.) and covenant to maintain them throughout the validity of advisory service.

Profile of Investment Advisor & Principal Officer along with receipt of all applicable approvals and consents is available on website and Annexure VIII

All the persons associated with the investment advice fulfil the Certification & Qualification as specified by SEBI Regulation.

We at Money Secure Investor Investment Adviser covenant to maintain them throughout the validity of advisory service qualifications of the adviser, principal officer, persons associated with the investment advice, receipt of all applicable approvals and consents (from regulatory / statutory bodies, third party consents, corporate approvals etc.)

24. DEATH OR DISABILITY OF CLIENT: Provisions in relation to continuation / termination of the advisory service in event of client's death / disability, succession, nomination, representation etc. to be incorporated.

In the case of natural and unnatural death of the investor, the M/s Money Secure Investor Investment Adviser In event of client's death / disability, services shall be terminated or provided to his/her succession, nomination, representation etc.

25. DEATH OR DISABILITY OF INVESTMENT ADVISER:

In the event of Investment Adviser’s death / disability, its legal heirs, executor, trustee, administrator of estate of the deceased (the “Obligor”) shall be the person-in-charge. In case of death of investment advisor. In the event of termination of services, the contract will be terminated automatically, but all the provisions related to the complaint and complaint will remain in force. Under this obligation the detail of the person in charge from investment adviser will be : Name : Ayushi Shrivastava, Pan Number: GYFPS5491Q

26. SETTLEMENT OF DISPUTES AND PROVISION FOR ARBITRATION: Adequate provisions to cover protection of acts done in good faith as well as for dispute resolution mechanism including arbitration that may be specified under the Securities and Exchange Board of India (Investment Advisers) Regulations, 2013.

In the event of any dispute between the two parties, both parties will follow the following procedure. First, the investment advisor will appoint a professional to understand the subject of the dispute. Once the content of the dispute is known, this professional will always act as a bridge between the investment advisor and the client. The location of arbitration and reconciliation will always be registered in the investment advisor's office. In any dispute, any verbal interaction with the executive will not be part of the settlement process. This agreement will be the memorandum for this process. In the arbitration process, the expenses of any professional will be borne by the investor. The parties will work with each other in good faith and comply with the provisions of the Securities and Exchange Board of India (Investment Advisor) Regulations, 2013 as well as the Arbitration and Reconciliation Act, 1996. The parties submit all their disputes arising out of or in connection with this Agreement or any other issue(s) to the exclusive jurisdiction of the Courts of Indore.

27. DISCLOSURES: Client shall read the disclosure as mentioned in Annexure-III, and Investment Adviser shall disclose to the client, if there is any change in the indivation contained therein.

28. DISCLAIMER:

Client shall read and understood the disclaimer as mentioned in Annexure-IV.

29.ADHERENCE TO GRIEVANCE REDRESSAL TIMELINES:

Investment Adviser shall be responsible to resolve the grievances within the timelines specified under SEBI circulars.

The Investment adviser has complaint grievance redressal mechanism to ensure timely resolution of complaint. The client shall follow this process for redressal.

30. COMPLIANCE CONTACT PERSON :

In case of any query or grievance, client shall contact through following medium:

Tel No.: 9522225262

Mail id: [email protected]

Further, Investment Adviser shall be responsible to resolve the grievances within the timelines specified under SEBI circulars.

31. SEVERABILITY

If any provision of this Agreement shall be held or made invalid by a court decision, statute, rule or otherwise, the remainder of this Agreement shall not be affected thereby

i.e. The principle of seriousness applies to this agreement, which means that if any part of the contract becomes invalid, due to any court decision or change of an act, regulation, and rule. However, this event will not affect the whole agreement.

32. FORCE MAJEURE.

The Investment Adviser shall not be liable for delays or errors occurring by reason of circumstances beyond its control, including but not limited to acts of civil or military authority, national emergencies, work stoppages, fire, flood, catastrophe, acts of God, insurrection, war, riot, or failure of communication or power supply. In the event of equipment breakdowns beyond its control, the Advisor shall take reasonable steps to minimize service interruptions but shall have no liability with respect thereto

33.MISCELLANEOUS.

Each party agrees to perform such further actions and execute such further agreements as are necessary to effectuate the purposes hereof

34. BINDING AGREEMENT. This Agreement shall constitute a binding Agreement upon acceptance by Money Secure Investor Investment Advisor. This contract is personal, and solely between the Client and Money Secure Investor Investment Advisor

35. INDEMNIFICATION. The Client agrees to indemnify, defend and hold harmless firm, its proprietor, officers, employees, representatives, and any other service providers.

Client acknowledges that the Investment Adviser's, investment recommendations involve some degree of risk. Client acknowledges that all investment activity in Client's Account shall be at Client's own risk, which can result in loss of Client's investment capital, annual income, and/or tax benefits. Client acknowledges that the Investment Adviser will not reimburse Client for any losses. Client acknowledges that the Investment Adviser’s past perdivance of recommended investments should not be construed as an indication of future results, which may prove to be better or worse than the past.

Client acknowledges that the Investment Adviser does not claim to be able to accurately predict the short-term future investment perdivance of any individual security or of a group of securities. Client acknowledges that the Investment Adviser makes judgmental evaluations before providing investment advice for Client. In making judgmental evaluations, the Investment Adviser agrees to use its best efforts to review sources of indivation that it has found to be valuable, accurate and reliable. Client acknowledges that the Investment Adviser cannot and does not survey all sources of publicly available indivation. Client acknowledges that the Investment Adviser is not responsible for the accuracy or completeness of indivation furnished to the Investment Adviser by Client or by any other party.

36. GOVERNING LAW AND JURISDICTION. This agreement and any grievance, dispute, query, proceeding or claim of whatever nature arising out of or in any way relating to this agreement and services or its formation, shall be governed by and construed in accordance with the laws of the Securities and Exchange Board of India. The Courts of Indore have jurisdiction of any kind of Grievance, dispute, query, proceeding or claim.

37. PERIOD OF VALIDITY. This engagement agreement shall be initially valid for service period and/or duration mentioned in your Invoice, from the date of signing the agreement and to be renewed subsequently by mutual consent of both the parties.

38. PROOF OF INCOME & LIABILITY:

· Yes, I will submit 6 months bank. statement and /or Income Tax Return ( Last 3 Years Financial years) as income proof along with loan statement for verification of information for financial liability, which I am providing to Money Secure Investor Investment Advisor in this process

If yes PROOF OF INCOME & LIABILITY are attached with Agreement as annexure.

· No, I will not want to whole financial planning, e.g. Mutual Fund, Insurance, Bond, Estate, Planning of Tax and Will Matter and other aspects. So, I shall not deposit the proof Income and financial liability. I will take responsibility for any regulatory action.

If you understand and accept the above terms, Please Provide acceptance by signing the same.




IN WITNESS WHEREOF, the parties hereto have executed this Agreement from the date of signing this agreement mentioned on the bottom of each page.

Refer the Signatory Details at the end of agreement


ANNEXURE-I



SERVICES



SNO

SERVICES

DESCRIPTION

FEATURES

1

STOCK CASH PACKAGE

This service is specially created for those who wish to earn regular return on their investment in CASH market. In which we will be providing all the recommendation generated in Intraday Cash segment, Nifty Review, Resistance & Support. In this package we provide fair, reliable and timely calls to our clients can make money with us and get a high profit.

Around 2-3 Cash Market Calls Daily.

2

STOCK FUTURE PACKAGE

This service is specially created for those who wish to earn regular return on their investment in Future market. Stock Future enables you to trade in a futures contract with an intraday perspective. i.e., you can take intraday positions in various future contracts. In this service we provide intraday calls on Stock Futures.

Around 2-3 Future Market Calls Daily.

3

STOCK OPTION PACKAGE

This service is specially created for those who wish to earn regular return on their investment in Option market. Stock Options tips are for those traders who want to take advantage from market with minimum investment. In this service we provide our clients 2-3 calls in Stock option daily with very good accuracy.

Around 2-3 Option Market Calls Daily.

4

STOCK CASH PREMIUM

This service is specially created for those who wish to earn regular return on their investment in stock market. In this segment we specifically give calls in Cash/Future/Option with big targets than normal all equity segment.

Around 1-2 Cash Market Calls Daily.

5

STOCK OPTION PREMIUM

This service is specially created for those who wish to earn regular return on their investment in Option market. In this segment we specifically give calls in Options with big targets than normal Option segment.

Around 1-2 Future Market Calls Daily.

6

STOCK FUTURE PREMIUM

This service is specially created for those who wish to earn regular return on their investment in Future market. In this segment we specifically give calls in futures with big targets than Future segment.

Around 1-2 Option Market Calls Daily.

7

BTST(CASH/FUTURE/OPTION)

This service is specially created for those who wish to earn regular return on their investment. In this segment we specifically give BTST trades in Option/Future/Equity Segment

Around 1-2 Market Calls Daily

8

COMMODITY PACK (MCX/NCDEX)

This service is specially created for those who wish to earn regular return on their investment in Commodity MCX market. In this package we provide fair, reliable and timely calls to our clients can make money with us and get a high profit in MCX segment

Around 2-3 Commodity Market Calls Daily.

9

COMMODITY PREMIUM PACK (MCX/NCDEX)

This service is specially created for those who wish to earn regular return on their investment in Commodity MCX market. In this segment we specifically give calls in Options with big targets than normal MCX segment.

Around 1-2 Commodity Market Calls Daily.

10

EQUITY COMBO ( CASH+ FUTURE/OPTION)

This is Combo Pack of Cash & Future or Option Pack

Around 3-6 Calls from combo Daily

11

MSI COMBO (EQUITY+ MCX/NCDEX)

This is Combo Pack of Equity & Commodity Pack (MCX or NCDEX)

Around 2-6 Calls from combo Daily



Service Package Includes:


  • Follow Ups & All Important News & Information.
  • Nifty Review, Resistance & Support.
  • Direct Mobile Number will be provided for Complete Support.
  • We provide our Clients very good accuracy in this service.
  • Domestic and Global Market position Overview.

Medium of calls:

Calls Will Be Given Only On SMS.

India: All GSM & CDMA Networks Covered.







- - - - - - - [END OF ANNEXURE - I] - - - - - - -







ANNEXURE-II



SERVICES PRICING



STOCK CASH PACKAGE

STOCK FUTURE PACKAGE

WEEKLY

5000+GST (18%)

WEEKLY

5000+GST (18%)

FORTNIGHT

8000+GST (18%)

FORTNIGHT

8000+GST (18%)

MONTHLY

15000+GST (18%)

MONTHLY

15000+GST (18%)

QUARTERLY

40000+GST (18%)

QUARTERLY

40000+GST (18%)

HALF-YEARLY

80000+GST (18%)

HALF-YEARLY

80000+GST (18%)

STOCK CASH PREMIUM

STOCK FUTURE PREMIUM

MONTHLY

40000+GST (18%)

MONTHLY

40000+GST (18%)

QUARTERLY

75000+GST (18%)

QUARTERLY

75000+GST (18%)

HALF-YEARLY

125000+GST (18%)

HALF-YEARLY

125000+GST (18%)

STOCK OPTION PACKAGE

COMMODITY PREMIUM PACK (MCX/NCDEX)

WEEKLY

5000+GST (18%)

MONTHLY

40000+GST (18%)

FORTNIGHT

8000+GST (18%)

QUARTERLY

75000+GST (18%)

MONTHLY

15000+GST (18%)

HALF-YEARLY

125000+GST (18%)

QUARTERLY

40000+GST (18%)

HALF-YEARLY

80000+GST (18%)

EQUITY COMBO ( CASH+ FUTURE/OPTION)

MONTHLY

75000+GST (18%)

COMMODITY PACK (MCX/NCDEX)

QUARTERLY

125000+GST (18%)

WEEKLY

5000+GST (18%)

FORTNIGHT

8000+GST (18%)

MSI COMBO (EQUITY+ MCX/NCDEX)

MONTHLY

15000+GST (18%)

MONTHLY

75000+GST (18%)

QUARTERLY

40000+GST (18%)

QUARTERLY

125000+GST (18%)

HALF-YEARLY

80000+GST (18%)

BTST(CASH/FUTURE/OPTION)

STOCK OPTION PREMIUM

MONTHLY

45000+GST (18%)

MONTHLY

40000+GST (18%)

QUARTERLY

85000+GST (18%)

QUARTERLY

75000+GST (18%)

HALF-YEARLY

122000+GST (18%)

HALF-YEARLY

125000+GST (18%)







- - - - - - - [END OF ANNEXURE - II] - - - - - - -







ANNEXURE-III



DISCLOSURE



We do not receive any consideration by way of remuneration or compensation or in any other form whatsoever, by us or any of our associates or subsidiaries for any distribution or execution services in respect of the products or securities for which the investment advice is provided to the client

We do not recommend a stock broker. If any stock broker is recommended by any of our representative, we do not receive any consideration by way of remuneration or compensation or in any other form whatsoever from stock broker or any other intermediary so recommended to client. To ensure compliance with the IA Regulation 2013, we have resolved that the company and all its representatives will not make any trades in the market.

We are not associated in any manner with any issuer of products/ securities, this ensures that there is no actual or potential conflicts of interest.

This also ensures that objectivity or independence in the carrying on of IA services is not compromised.

Investment is stock or commodity markets is subject to market risk, though best attempts are made for predicting markets, but no surety of return or accuracy of any kind is guaranteed, while the performance sheet of various products is available but should not be considered as a guarantee for future performance of the products/services. Clients are advised to consider all the advice as just a opinion and make investment decision on their own. In case of clients seeking advice on any specific positions already made by the client, we will be able to suggest best possible action considering our view on the security or product. Such suggestion under any circumstances shall be considered as an opinion (not advice) from our company and we advise client to consider our opinion and not consultancy to make his/her final decision. We are not liable for any losses whatsoever client may incur in accepting this opinion.

Client is also advised to trade only if tips suit his current risk appetite and risk bearing capacity, all such tips shall be considered as a view or opinion and client shall on his/her discretion decide actual trades. We are not associated with any intermediaries and do not recommend services of any specific intermediaries.

No litigations have been filed against the company since the incorporation of the company.

All the tips which are suggested by our company are communicated in written, no verbal communication from any of the executives or otherwise under any circumstances shall be considered as advice by our company.

Client is also advised to read, understand & agree to Terms & Conditions and Disclaimer of Service. We do not guarantee any profits/returns.

To avoid any conflict of interest, neither company nor any of its Proprietor / Partner / Directors trade in the Products under services.







- - - - - - - [END OF ANNEXURE - III] - - - - - - -







ANNEXURE-IV



REFUND POLICY



We follow the Refund Policy as per the guidelines of SEBI issued on the date September 23, 2020 circular number SEBI/HO/IMD/DF1/CIR/P/2020/182 (Subject: Guidelines for Investment Advisers)

Further, we strongly recommend that before payment, our visitors:

1. Read all information about our products, services and support given to our clients. our clients.

2. Evaluate the services before opting any service.

3. Read all About Us and our technical Team.

4. Read our Terms of Use.

5. Read our Privacy Policy.

Do not allow children or other unauthorized family members or friends to access your credit cards or your account at the payment site to ensure that no one pays for a Membership without your permission.



PRIVACY POLICY



We understand that the information which you have given us is to be kept private and confidential, and we keep up the promise that we will safeguard the information of our clients whether old or new. The information like your name, mobile no, email id, address etc are required for the company as well as the client as it helps in better communication of the services. Following policy has been implemented for safeguarding the information.

The personal information would not be rented, sold, exchanged given or transferred to any person or company without your consent or reason.

We have physical, electronic, and procedural safeguards to protect personal information about you and your account Information is password-protected.

The information provided by you would be used only for rendering the services for which you have subscribed with us and not for any other purpose.

The personal info like mail id, address or mobile no may be used to introduce new products and services or newsletters, new packages, events, or any other services started by the company for enhancement of our relationship.

Once you provide us the information, we assume that you agree with the terms and conditions and even the privacy policy of the company.

If you register yourself on our website, it means that you are authorizing us to use your number to send SMS and can call you whenever needed, which is in accordance of our privacy policy. In case if there is any change in your contact info you would let us know about this prior through any mode you like.

We can contact even if you have a DO Not Disturb facility activated on your mobile so if you register with you serve us with the right to send SMS on this number facility also.

We may invite you for polls and contest or feedbacks posted on our website or on your mail, replying to such mails or participating in such activities is voluntary no obligations.



DISCLAIMER



The information and views in this report, our website & all the service & we provide are believed to be reliable, but we do not accept any responsibility (or liability) for errors of fact or opinion. Users have the right to choose the product/s that suits their provisions.

Sincere efforts have been made to present the right investment perspective. The information contained herein is based on analysis and reliable sources. This material is for personal information based upon it & takes no responsibility.

The information given herein should be treated as only factor, while making investment decision. The report does not provide individually tailor-made investment advice. Money Secure Investor recommends that investors should independently evaluate particular investments and strategies, and encourages investors to seek advice of a financial adviser.Money Secure Investor shall not be responsible for any transaction conducted based on the information given in this report, which is in violation of rules and regulations of NSE and BSE.

The share price projections shown are not necessarily indicative of future price performance. The information herein, together with all estimates and forecasts, can change without notice. Analyst or any person related to Money Secure Investor might be holding positions in the stocks recommended. It is understood that anyone who is browsing through the site has done so at his free will and does not read any views expressed as a recommendation for which either the site or its owners or anyone will be held responsible for . Any surfing and reading of the information is the acceptance of this disclaimer.

All Rights Reserved.

Investment in Commodity and equity market has its own risks.

We, however, do not vouch for the accuracy or the completeness thereof. We are not responsible for any loss incurred whatsoever for any financial profits or loss which may arise from the recommendations above. M/s Money Secure Investor Financial Services. does not purport to be an invitation or an offer to buy or sell any financial instrument. Our Clients (Paid Or Unpaid), Any third party or anyone else have no rights to forward or share our calls or SMS or Report or Any Information Provided by us to/with anyone directly or indirectly by them. If found so then Serious Legal Actions and proceedings can be taken for violation of the policy.







- - - - - - - [END OF ANNEXURE - IV] - - - - - - -







ANNEXURE-V



RISK CLASSIFICATION OF SERVICES



SERVICES

RISK

STOCK CASH PACKAGE

MEDIUM

STOCK FUTURE PACKAGE

HIGH

STOCK OPTION PACKAGE

HIGH

STOCK CASH PREMIUM

HIGH

STOCK FUTURE PREMIUM

HIGH

COMMODITY PACK (MCX/NCDEX)

HIGH

COMMODITY PREMIUM PACK (MCX/NCDEX)

HIGH

EQUITY COMBO ( CASH+ FUTURE/OPTION)

HIGH

BTST(CASH/FUTURE/OPTION)

HIGH

STOCK OPTION PREMIUM

HIGH

MSI COMBO (EQUITY+ MCX/NCDEX)

HIGH







- - - - - - - [END OF ANNEXURE - V] - - - - - - -







ANNEXURE-VI



PROFILE





Investment Advisor & Principal Officer

Officer Name: MS. Alka Srivastava

Phone: 09522225262

Email : [email protected]

NISM CERTIFICATIONS:

INVESTMENT ADVISOR MODULE

LEVEL 1 : 23-Jan-2023

LEVEL 2 : 16-Jan-2023

SEBI REGISTRATION NUMBER : INA000008817







- - - - - - - [END OF ANNEXURE - VI] - - - - - - -









On behalf of Money Secure Investor Client Signature
(Please sign/refer at the bottom of every page.)


Authorized Signatory
(Please sign/refer at the bottom of every page.)


Client Signature
Authorized Signatory Name : Alka Shrivastav Client Name : ________________________
Effective Date : Date of singing the agreement.
Place: Indore (M.P.)