Investor Charter of Quantum Information Services Private Limited

Below is the Investor Charter of Quantum Information Services Private Limited (hereinafter 'QIS') (having its brand named under "PersonalFN"). This is as per SEBI Circular SEBI/HO/MIRSD/MIRSD-PoD/P/CIR/2025/80 dated June 02, 2025:

• Vision and Mission Statements for advisory clients of QIS:

  • 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.

• Details of business transacted by QIS with respect to its advisory clients:

  • 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 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.
  • To ensure that all advertisements are in adherence to the provisions of the Advertisement Code for Investment Advisers
  • Not to discriminate in terms of services provided, among clients opting for same/similar products/services offered by investment adviser.

• Details of services provided to QIS advisory clients:

  • Onboarding of Clients

    • Sharing of agreement copy
    • Completing KYC of clients

  • 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.
    • To disclose any conflict of interest of the investment advisory activities with any other activities of the investment adviser.
    • To disclose the extent of use of Artificial Intelligence tools in providing investment advisory services
    • To provide investment advice to the client based on the risk-profiling of the clients (only after risk profile is approved by the client) and suitability of the client.
    • To treat all advisory clients with honesty and integrity
    • To make adequate disclosure to the investor of all material facts such as risks, obligations, costs, etc. relating to the products or securities advised by the adviser.
    • To provide clear guidance and adequate caution notice to clients when providing investment advice for dealing in complex and high-risk financial products/services.
    • 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.
    • To disclose the timelines for the various services provided by the investment adviser to clients and ensure adherence to the said timelines.

• Details of grievance redressal mechanism and how to access it

  1. Investor can lodge complaint/grievance against Investment Adviser in the following ways:

     In case of any grievance/complaint, a customer/client should approach us via email at complaint@personalfn.com. We shall ensure to redress the grievance immediately but not later than 21 days of the receipt of the grievance.

     Mode of filing the complaint on SCORES or with Investment Adviser Administration and Supervisory Body (IAASB)

     • SCORES 2.0 (a web based centralized grievance redressal system of SEBI for facilitating effective grievance redressal in time-bound manner) https://scores.sebi.gov.in

       Two level review for complaint/grievance against investment adviser:

       • First review done by designated body (IAASB)
       • Second review done by SEBI
     • Email to designated email ID of IAASB
  2. If the client is not satisfied with the resolution provided by the Market Participant, then the Investor has the option to file the complaint/ grievance on SMARTODR platform for its resolution through online conciliation or arbitration.
  3. With regard to physical complaints, complaints may be sent 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.

• Rights of investors/clients:

  • 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 Suitability of the Financial Products
  • Right to Exit from Financial product or service in accordance with the terms of agreement with the investment adviser
  • 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

• Expectations from the advisory clients of QIS (Responsibilities of advisory clients):

  • Do's

    • Always deal with SEBI registered Investment Advisers.
    • Ensure that the Investment Advisers has a valid registration certificate.
    • Check for SEBI registration number.
    • Please refer to the list of all SEBI registered Investment Advisor which is available on SEBI website in the following link:
      https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doRecognisedFpi=yes&intmId=13
    • 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. You may make payment of advisory fees through Centralised Fee Collection Mechanism (CeFCoM) of IAASB if investment adviser has opted for the mechanism.
    • 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.
    • Ask all relevant questions and clear your doubts with your Investment Adviser before acting on advice.
    • Assess the risk-return profile of the investment as well as the liquidity and safety aspects before making investments.
    • 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.
    • Be vigilant in your transactions.
    • Approach the appropriate authorities for redressal of your doubts / grievances.
    • Inform SEBI about Investment Advisers offering assured or guaranteed returns.
    • Always be aware that you have the right to exit the service of an Investment Adviser
    • Always be aware that you have the right to seek clarifications and clear guidance on advice
    • Always be aware that you have the right to provide feedback to the Investment Adviser in respect of services received.
    • Always be aware that you will not be bound by any clause, prescribed by the investment adviser, which is contravening any regulatory provisions.

  • Don'ts

    • Don't fall for stock tips offered under the pretext of investment advice.
    • Do not provide funds for investment to the Investment Adviser.
    • 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.
    • Don't fall prey to luring advertisements or market rumors.
    • Avoid doing transactions only on the basis of phone calls or messages from any Investment adviser or its representatives.
    • Don't take decisions just because of repeated messages and calls by Investment Advisers.
    • Do not fall prey to limited period discount or other incentive, gifts, etc. offered by Investment advisers.
    • Don't rush into making investments that do not match your risk-taking appetite and investment goals.
    • Do not share login credential and password of your trading and demat accounts with the Investment Adviser.

Below is the Investor Charter of Quantum Information services Private Limited (hereinafter ‘QIS’). This is as per SEBI Circular SEBI/HO/IMD/IMD-II CIS/P/CIR/2021/0685 dated December 13, 2021, and SEBI/HO/MIRSD/MIRSD-PoD/P/CIR/2025/81 dated June 02, 2025:

• Vision and Mission Statements for investors of QIS:

  • 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 QIS with respect to its investors:

  • To publish research report based on our 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.

• Details of services provided to Investors

  • Onboarding of Subscribers.

    Subscribers are onboarded by an online process. At the time of making payment, subscriber fills in his name, email id, address, credit card/cheque details.

    We share our terms and conditions of research services and also complete Know Your Customer (KYC) checks to ensure compliance with regulatory requirements, for fee paying subscribers.

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

Details of grievance redressal mechanism and how to access it

• In case of any grievance / complaint, a subscriber may approach us complaints@equitymaster.com and we shall strive to redress the grievance immediately, but not later than 21 days of the receipt of the grievance.

  Mode of filing the complaint on SCORES or with Research Analyst Administration and Supervisory Body (RAASB)

  1. SCORES 2.0 (a web based centralized grievance redressal system of SEBI for facilitating effective grievance redressal in time-bound manner) (https://scores.sebi.gov.in)
     
     Two level review for complaint/grievance against Research Analyst:
     • First review done by designated body (RAASB)
     • Second review done by SEBI
  2. Email to designated email id of Research Analyst Administration and Supervisory Body (RAASB)
• If the Investor is not satisfied with the resolution provided by the Market Participants, then the Investor has the option to file the complaint/ grievance on SMARTODR platform for its resolution through online conciliation or arbitration.
  
  With regard to physical complaints, complaints may be sent 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

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

Expectations from the Investors of QIS (Responsibilities of investors)

• 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 Analysts 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 the 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.
• Don'ts
  • Do not provide funds for investment to the Research Analyst.
  • Don’t fall prey to luring advertisements or market rumours.
  • Do not get attracted to limited period discount or other incentive, gifts, etc. offered by Research Analyst.
  • Do not share login credentials and password of your trading and demat accounts with the Research Analyst.