Your Financial Command Center, Backed by a SEBI-Registered Investment Adviser

INVESTOR CHARTER IN RESPECT OF INVESTMENT ADVISERS

A. Vision and Mission Statements for investors

Vision: Invest with knowledge & safety.

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

B. Details of business transacted by the Investment Adviser with respect to the investors

• To provide investment advice based on analysis of publicly available information and known observations.
• To provide an independent unbiased view on securities.
• To offer unbiased recommendation, disclosing the financial interests in recommended securities.
• To conduct audit annually.
• To maintain records of interactions, with all clients including prospective clients.

C. Details of services provided to investors

Onboarding of Clients:

• Sharing of terms and conditions of advisory services.
• Completing KYC of fee-paying clients.
• Documenting risk profiling and suitability assessment.

D. Details of grievance redressal mechanism

Mode of filing the complaint with Investment Adviser:
In case of any grievance / complaint, an investor may approach the concerned Investment Adviser who 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:

• SCORES 2.0 (a web based centralized grievance redressal system of SEBI) at https://scores.sebi.gov.in
• SMART ODR for Online Dispute Resolution at https://smartodr.in

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 be Heard and Satisfactory Grievance Redressal.
• Right to Exit from Financial product or service.
• Right to provide feedback on the financial products and services used.

F. Expectations from the investors

Do's:

• Always deal with SEBI registered Investment Adviser.
• Ensure that the Investment Adviser has a valid registration certificate.
• Always pay attention towards disclosures made before investing.
• Pay your Investment Adviser through banking channels only.

Don'ts:

• Do not provide funds for investment to the Investment Adviser.
• Don't fall prey to luring advertisements or market rumors.
• Do not share login credential and password of your trading, demat or bank accounts with the Investment Adviser.

Grievance Redressal / Escalation Matrix

For any grievances,

• Step 1: The client should first contact the Investment Adviser using the contact details provided on this website.
• Step 2: If the resolution is unsatisfactory, the client can lodge grievances through SEBI's SCORES platform at https://scores.sebi.gov.in
• Step 3: The client may also consider the Online Dispute Resolution (ODR) through the Smart ODR portal at https://smartodr.in

Investment Adviser — Minimum Information & Terms and Conditions (MITC)
(SEBI Registration No. INA000022695)

Disciplinary history

No penalties / directions have been issued by SEBI under the SEBI Act or Regulations made thereunder against the Investment Adviser relating to Investment Advisory services.

Details of associates

No associates.

Disclosures with respect to Advisory Services

The Investment Adviser or its employee or its associates may have financial interest or actual / beneficial ownership in the securities recommended in personal portfolios. There are no actual or potential conflicts of interest arising from any connection to or association with any issuer of products / securities.

The Investment Adviser or its employees or associates have not received any compensation from the subject company in the past 12 months.

Most Important Terms and Conditions

The terms and conditions and the consent thereon are for the advisory services provided by the Investment Adviser. The Investment Adviser cannot execute or carry out any trade (purchase / sell transaction) on behalf of the client.

Note:

• Fees are fixed, disclosed in the client agreement, and payable through banking channels only.
• Cash payment is not allowed.
• Traders / Investors in the services are not being offered any guaranteed / assured returns. Past performance of the services does not indicate / guarantee the future performance or return.

Disclosure Regarding Use of Artificial Intelligence (AI) Tools

No Artificial Intelligence (AI) tools are currently used in the preparation, generation, or distribution of our advisory services. All outputs are derived through human analysis and traditional research methodologies.

Information we collect

Personal Information: We may collect personally identifiable information, such as your name, email address, postal address, phone number when you provide it to us voluntarily.

Usage Data: We may collect information about how you use our Services, including your access times, browser types, and language preferences.

Device Information: We may collect information about the device you are using to access our Services.

How we use your information

• To provide, maintain, and improve our Services.
• To personalize our Services.
• To respond to your comments, questions, and requests.
• To send you technical notices, updates, security alerts.
• To monitor and analyze usage patterns, trends, and activities.

Security

The security of your Personal Information is important to us. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

Changes

This Privacy Policy will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page.

Contact us

If you have any questions about this Privacy Policy, please contact us at tanish@worthostech.com.

Disclaimer — WorthOS Technologies Private Limited — SEBI Registered Investment Adviser — Reg.No. INA000022695

1. Investments in the securities market are subject to market risks. Read all the security-related documents carefully before investing.
2. Registration granted by SEBI, enlistment with BSE and certification from NISM in no way guarantee performance of the Investment Adviser or provide any assurance of returns to investors.
3. Advisory fees are fixed, disclosed in the client agreement, and non-refundable unless our registration is suspended or cancelled by SEBI.
4. There are no guaranteed returns or profits or fixed returns in the stock market.
5. Our fees / subscription charges are fixed and we do not operate on any profit-sharing model.
6. We do not manage your funds. You have to take entries and exits in your own account.
7. Past performances and results are no guarantee of future performance.
8. All recommendations shared are confidential and for the reference of clients only.
9. The recommendations must not be used as a singular basis for any investment decision.
10. Our recommendation may be based on Technical and/or Fundamental and/or Combination of both.

1. About the Investment Adviser

WorthOS Technologies Private Limited is a SEBI Registered Investment Adviser having its office at A-85, Sector 5, Noida, Uttar Pradesh, India \u2013 201301.

Registered with SEBI vide Registration Number: INA000022695, Registration Validity: Perpetual (until suspended or cancelled by SEBI).

2. About the Business

WorthOS Technologies Private Limited is a Fintech company building India's decision-intelligence layer for personal finance, along with a SEBI-regulated fee-only investment advisory practice.

3. Details of Business Activities

WorthOS Technologies provides investment advisory services and personal finance tools focused on financial planning, portfolio review, and goal-based investing.

4. Disciplinary History

There are no outstanding litigations and no disciplinary actions against WorthOS Technologies by SEBI or any other regulatory authority.

5. Terms and Conditions

WorthOS Technologies has exercised due diligence in checking the correctness and authenticity of the information contained herein. The opinions expressed are based on research conducted as of the date appearing in the material.

Compliance Audit Status

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Audit for FY2025 – 26

Status — Compliance Audit Not Applicable

Reason —

The Investment Advisory services are conducted in accordance with SEBI regulations. Compliance audit shall be conducted and uploaded on the website as per SEBI regulations in the subsequent financial years.

WorthOS Technologies values our clients and is committed to providing unsurpassed services. Our clients need to realise that we do not offer a 100% guarantee on our recommendation and hence cannot offer any refund on subscriptions regardless of the individual client's performance.

Please note that all sales are final. By accepting the proposal of service and making a payment for the subscription, you agree that there will be ABSOLUTELY NO REFUNDS and/or CANCELLATIONS IN ANY CIRCUMSTANCES.

No Refund Policy

We strongly recommend that before making a payment, our visitors and potential clients please:

• Read all information about our products
• Visit the 'About Us' section on our website
• Read our Terms of Service
• Read our Privacy Policy