Investor Charter – Laurel Financial Services

IMPORTANT

Laurel Financial Services is a SEBI-registered Research Analyst (Reg. No. INH000023904) and BSE-enlisted. We provide stock market research and investment insights for educational purposes only. Investments in securities are subject to market risks; returns are not guaranteed. Please read all documents carefully and consult a SEBI-registered advisor before investing. For queries, contact 8225000076 | Compliance Officer: Ali (9179624120).

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1. Vision and Mission Statement for Investors

Vision
Invest with knowledge & safety.

Mission
Every investor should be able to invest in right investment products based on their needs, manage and monitor them to meet their goals, access reports and enjoy financial wellness.

B. Details of business transacted by the Research Analyst with respect to the investors

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

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

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

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

An investor may lodge a complaint/grievance against the Research Analyst by approaching the concerned Research Analyst, who shall endeavor to resolve the grievance immediately, but not later than 21 days from receipt.

Modes of filing complaint:

SCORES 2.0 – SEBI’s centralized grievance redressal system
https://scores.sebi.gov.in
- First review by RAASB
- Second review by SEBI
Email to the designated email ID of RAASB

If unsatisfied, the investor may escalate the complaint to the SMART ODR platform for online conciliation or arbitration.

Physical complaints may be sent to:
Office of Investor Assistance and Education
Securities and Exchange Board of India (SEBI)
SEBI Bhavan, Plot No. C4-A, ‘G’ Block
Bandra-Kurla Complex, Bandra (E)
Mumbai – 400051

E. Rights of Investors

Right to Privacy and Confidentiality
Right to Transparent Practices
Right to fair and Equitable Treatment
Right to Adequate Information
Right to Initial and Continuing Disclosure
-Right to receive information about all the statutory and regulatory disclosures
Right to Fair & True Advertisement
Right to Awareness about Service Parameters and Turnaround Times
Right to be informed of the timelines for each service
Right to be Heard and Satisfactory Grievance Redressal
Right to have timely redressal
Right to Exit from Financial product or service in accordance with the terms and conditions agreed with the research analyst
Right to receive clear guidance and caution notice when dealing in Complex and High-Risk Financial Products and Services
Additional Rights to vulnerable consumers
– Right to get access to services in a suitable manner even if differently abled
Right to provide feedback on the financial products and services used
Right against coercive, unfair, and one-sided clauses in financial agreements

F. Expectations from Investors (Responsibilities of Investors)

1.Do’s

Always deal with SEBI registered Research Analyst.
Ensure that the Research Analyst has a valid registration certificate.
Check for SEBI registration number.
Please refer to the list of all SEBI registered Research Analyst which is available on SEBI website in the following link:
https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doRecognisedFpi
=yes&intmId=14)
Always pay attention towards disclosures made in the research reports before investing.
Pay your Research Analyst through banking channels only and maintain duly signed receipts mentioning the details of your payments. You may make payment of fees through Centralized Fee Collection Mechanism (CeFCoM) of RAASB if research analyst has opted for the mechanism (Applicable for fee paying clients only)
Before buying/ selling securities or applying in public offer, check for the research
recommendation provided by your Research Analyst.
Ask all relevant questions and clear your doubts with your Research Analyst before acting on recommendation.
Seek clarifications and guidance on research recommendations from your Research Analyst, especially if it involves complex and high risk financial products and services.

Always be aware that you have the right to stop availing the service of a Research Analyst as per the terms of service agreed between you and your Research Analyst.
Always be aware that you have the right to provide feedback to your Research Analyst in respect of the services received.
Always be aware that you will not be bound by any clause, prescribed by the research analyst, which is contravening any regulatory provisions.
Inform SEBI about Research Analyst offering assured or guaranteed returns.

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

We would also like to highlight that investments in the securities market are inherently risky and subject to market fluctuations. Registration with SEBI and certification from NISM do not in any manner guarantee the performance of the Research Advisor or assure any returns to clients.

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SEBI Reg. No.

BSE Enlistment No

SEBI Reg. No.

1. Vision and Mission Statement for Investors

B. Details of business transacted by the Research Analyst with respect to the investors

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

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

E. Rights of Investors

F. Expectations from Investors (Responsibilities of Investors)

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