DSK Investment Advisors Private Limited

DSK Investment Advisors Private Limited ("DSK Investments", "we", "our", or "us") is committed to protecting the privacy of every individual who interacts with us, our website, or our mobile application. This Privacy Policy explains how we collect, use, store, share, and protect your information.

Information We Collect

In the course of providing investment advisory and related services, we may collect:

• Identity & KYC information: name, date of birth, PAN, Aadhaar, address, photograph, signature, and other documents required under SEBI / AMFI / KRA regulations.
• Contact information: email address, phone numbers, and correspondence address.
• Financial information: income details, investment holdings, bank account details, risk profile, and financial goals.
• Usage information: pages visited, time spent, IP address, browser and device data, and similar technical data collected via cookies.

How We Use Your Information

• To provide investment advisory services and execute the engagement agreed with you.
• To complete KYC, suitability assessment, and risk profiling as required by law.
• To communicate updates, recommendations, statements, and regulatory disclosures.
• To meet legal, statutory, audit, or regulatory obligations applicable to investment advisers in India.
• To improve our services and to detect and prevent fraud, abuse, and security incidents.

Sharing of Information

We do not sell your personal information. Information may be shared only with:

• Regulators, statutory authorities, exchanges, depositories, custodians, KRAs, and AMCs, where required by law or by the engagement.
• Service providers (such as portfolio reporting platforms, IT infrastructure, and audit firms) under appropriate confidentiality obligations.
• Where you have given specific consent to share information for a defined purpose.

Data Retention

We retain your information for as long as you remain a client and thereafter for the period prescribed under SEBI regulations and other applicable laws.

Data Security

We use reasonable technical and organisational measures, including access controls, encryption in transit, and restricted-access systems, to protect personal information from unauthorised access, disclosure, alteration, or destruction.

Cookies

Our website may use cookies and similar technologies to enable basic functionality, remember preferences, and analyse usage. You can control cookies through your browser settings; disabling them may affect certain features.

Your Rights

You may request access to, correction of, or deletion of your personal information, subject to applicable legal and regulatory record-keeping requirements. To exercise your rights, write to us at dsk@richify.in.

Changes to this Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this website with the revised effective date.

Business Activity

DSK Investment Advisors Private Limited is registered with the Securities and Exchange Board of India (SEBI) as a Non-Individual Investment Adviser under Registration No. INA000018416. Our business is to provide investment advice, financial planning, and related services to individuals, families, HNIs, family offices, and non-resident Indians.

Independence

We are independent advisors and are not incentivised to take custody of your investments. We do not access client accounts or holdings to offer advice except as expressly authorised in the engagement.

Fees & Compensation

For investment advisory services, fees are charged in accordance with the applicable SEBI (Investment Advisers) Regulations and the engagement agreement signed with you. We do not receive commission from any product manufacturer or distributor in respect of the advisory services we provide.

Conflict of Interest

We disclose all material conflicts of interest in the engagement agreement. We do not use client information or recommendations for any purpose other than serving the client. Where a conflict cannot be avoided, it is disclosed in writing to the client.

Use of Artificial Intelligence (AI)

We may use AI tools to support research, portfolio analysis, and operational efficiency. Final investment recommendations are reviewed and authorised by our qualified advisors. Use of AI does not replace the judgment of the Principal Officer or relieve us of regulatory responsibility.

Risk Profiling & Suitability

All investment advice is preceded by risk profiling and suitability assessment as required under the SEBI (Investment Advisers) Regulations. Recommendations are based on, and limited to, the information provided by the client.

Records of Interactions

We maintain records of our interactions with clients (and prospective clients prior to onboarding) where any conversation related to advice has taken place, in line with regulatory requirements.

Annual Audit

We conduct an annual audit of our investment advisory activities as required under the SEBI (Investment Advisers) Regulations.

Employees

We employ only qualified personnel certified by the National Institute of Securities Markets (NISM) where required.

The information contained on this website is for general informational purposes only. It does not constitute investment advice, an offer or solicitation to buy or sell any security, or a recommendation to enter into any transaction.

Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Past performance is not indicative of future results. The securities quoted, if any, are for illustration only and are not recommendatory.

For prospective clients, content on this website is only for discussion based on generic information and trends in the capital market and shall not be construed as investment advice. Personalised advice is provided only after the execution of an engagement agreement and the completion of risk profiling and suitability assessment.

Registration granted by SEBI (INA000018416), membership of BASL (BASL2048), and certification from NISM in no way guarantee the performance of the intermediary or provide any assurance of returns to investors or clients.

The prices, value, income, and appreciation of securities mentioned are based on the information available in the public domain or the latest information provided to DSK Investments and are subject to change. DSK Investments makes every effort to use reliable, comprehensive information, but makes no representations or warranties — express or implied — and assumes no liability for the accuracy, completeness, or usefulness of any information contained in this document or website.

Neither DSK Investments nor any of its affiliates has undertaken any regulatory, legal, tax, or accounting analysis relating to the suitability of any securities. Recipients should consult their professional tax and accounting advisors prior to acting on any information set forth herein.

Any distribution, use, or reproduction of the information on this website without the prior written permission of DSK Investment Advisors Private Limited is unauthorised and strictly prohibited.

DSK Investments, its directors, employees, and agents will not be liable for any direct, indirect, incidental, or consequential damages sustained or incurred in connection with the use, operation, or inability to use this website or reliance on any information contained herein.

Vision

To deliver high-quality, suitability-based investment advice that empowers investors to make informed decisions and achieve their financial goals.

Mission

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

Services Provided

• Investment advice on equity and mutual fund products.
• Financial planning, retirement planning, and goal-based investing.
• Portfolio analysis and asset allocation guidance.

Rights of Investors

• To receive fair, suitable, and unbiased investment advice based on risk profiling and KYC.
• To receive a copy of the investment advisory agreement, including fee details, conflict of interest disclosures, and confidentiality provisions.
• To receive disclosure of all material facts — risks, obligations, costs — relating to recommended products or securities.
• To receive clear guidance and adequate caution notice when advice involves complex or high-risk products.
• To receive disclosure of any conflict of interest of the investment advisory activity with any other activity of the adviser.
• To receive disclosure of the extent of use of AI tools in providing investment advisory services.
• To privacy and confidentiality of information shared with us, except where disclosure is required by law or with specific consent.
• To non-discrimination in services provided among clients opting for the same or similar products / services.

What We Will Do

• Treat every client with honesty and integrity.
• Conduct proper, unbiased risk profiling and suitability assessment.
• Enter into a written advisory agreement with every client, including fee structure and conflict-of-interest disclosure.
• Provide investment advice based on the client's risk profile and suitability.
• Maintain confidentiality of client information except where disclosure is legally required.
• Disclose timelines for various services and adhere to them.
• Conduct an audit annually as required.
• Disclose the status of complaints on our website on a monthly basis.
• Maintain records of interactions with clients (and prospective clients) where any conversation related to advice has taken place.
• Ensure that all advertisements adhere to the SEBI Advertisement Code for Investment Advisers.
• Employ only qualified and certified employees.

Grievance Redressal Mechanism

An investor may approach DSK Investments with any grievance or complaint. We will strive to redress the grievance immediately, but in any case not later than 21 days from the date of receipt.

If the grievance is not resolved to your satisfaction, you may lodge a complaint through:

1. SCORES 2.0 — SEBI's web-based centralised grievance redressal system, at scores.sebi.gov.in.
   Two-level review:
   • First review by the designated body — Investment Adviser Administration and Supervisory Body (IAASB).
   • Second review by SEBI.
2. Online Dispute Resolution (ODR) — If you remain unsatisfied with the resolution provided, you may file a complaint on the SmartODR platform at smartodr.in.

Investor Grievance Contact

Grievance Redressal Officer: Mrs. Jasmeen Kochhar
Email: jas@richify.in