Policy

Disclaimer

InvestGoal Capital Advisors conducts thorough evaluations of potential investment returns using historical, quantitative, and qualitative data to support informed decision-making. While our analyses are designed to assist in achieving financial goals, investment performance may vary due to market dynamics and other external factors. Past performance should be viewed as informative but not predictive of future results. Our models and recommendations are based on the best available information and sound professional judgment, yet all investments are subject to inherent market risks. We emphasize the importance of assessing each investment recommendation in the context of your individual financial profile, including cash flow requirements, tax considerations, and personal objectives. InvestGoal Capital Advisors is committed to guiding clients in building resilient, well-informed portfolios. We encourage ongoing review of your investment plan to ensure continued alignment with evolving financial circumstances and market conditions. Active engagement and regular reassessment can help support the achievement of long-term financial goals. For products or services that fall outside the regulatory scope of the Board, clients should be aware that grievance redress mechanisms under the Board’s framework do not apply. We further disclose that InvestGoal Capital Advisors does not utilize Artificial Intelligence tools in the formulation of investment advice and do not share confidential client information with any third party. All the numbers mentioned in the report should be viewed as indicative ranges to start building a disciplined financial plan, and shouldn't be read as a commitment in absolute terms. Investment in securities markets are subject to market risks. Read all related documents carefully before investing.

Declaration by InvestGoal Capital Advisors (or 'Advisors')

The Advisor hereby declares that:

• 1.1 It shall neither render any investment advice nor charge any fee until the client has signed this agreement

• It 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

• It 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.

Risk Profiling and Assessment

• The Advisor shall endeavour to ensure that a comprehensive risk profiling of the Client (“Risk Profiling”) has been carried out on a periodical basis. in this respect, the Client shall provide such data and information which is necessary for carrying out such Risk Profiling

• The Parties understand that the information derived from the Risk Profiling shall be communicated to the Client after a risk assessment has been done

• The Advisory Services shall be provided based on the suitability and appropriateness of the client’s investment objectives, risk tolerance, assets under advice, experience, and knowledge of understanding risk. The rationale for the advice shall be documented

• Investment advice shall be issued only after completion of Client risk profiling and suitability assessment, and not prior to it.

Payment Terms

• Payments shall be made through authorized modes including SEBI’s Centralized Fee Collection Mechanism (CeFCoM), which includes Net Banking, Debit Card, UPI / UPI AutoPay, IMPS / NEFT / RTGS, eNACH (Electronic National Automated Clearing House), Cheque and Credit Card. These platforms enhance investor protection, regulatory oversight, and clarity by assigning virtual account numbers for each transaction and enabling multiple payment options.

• All payments shall be made by account payee crossed cheques / demand draft or by way of direct credit into the Investment Adviser’s bank account through NEFT/ RTGS/UPI/ or any other mode specified/allowed by the authority from time to time.

• It is clarified that Advisor does not accept cash deposits. All payments should be through legitimate sources and should be in compliance with the policies and guidelines laid down by RBI, NPCI, SEBI, or any other regulatory body. Further, the Advisory fee shall be paid from the Bank account of the Client, and in case of a joint Bank Account, the Client shall be one of the holders of such Bank Account.

• Additional fees for requested extra checkpoints will be communicated and mutually agreed upon between the Parties.

Obligations of the Client

• The Client agrees and undertakes that the Client shall provide such data and information to the Advisor as may be required by the Advisor for the purposes of rendering the Advisory Services, including, name, email ID, phone number, PAN number, Aadhar number, address and any other data and information required for the purposes of doing KYC of the Client under the provisions and guidelines as provided by SEBI and/or any other regulatory body.

• The Client undertakes to notify the Advisor promptly of any material change to the information provided, including any change related to personal information, financial status, or investment objectives. The Client understands and accepts that failure to do so may adversely affect the quality and suitability of the advice.

• The Client agrees that the Client shall not disclose any advice provided by the Advisor to any third party. Any advice provided is exclusively for the Client’s knowledge and us

• In the event of the Client’s death/demise, the Advisor shall be protected in acting under these terms until it receives written notice of death from the legal representatives/heirs of the Client. The legal representatives/heirs will be recognized by the Advisor only upon producing appropriate and valid legal documents establishing their status.

Declarations and Disclosures by Advisor

• The Advisor represents and warrants that it:

• Complies with all applicable laws, SEBI IA Regulations, and maintains required registrations.

• Abides by the Code of Conduct as specified in the Third Schedule of the SEBI (Investment Advisers) Regulations, 2013.

• Maintains an arms-length relationship between its advisory activities and any other activities.

• Will 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.

• Shall be responsible for the maintenance of Client accounts and data as mandated under the Regulations.

Disclaimer by Advisor

• Advisory services will be based on public information, research, and analysis deemed reliable, but no representation or warranty is made as to its accuracy or completeness. All investments in securities and financial products are subject to market risks, and past performance is not indicative of future returns. Recommendations should not be construed as guarantees of any return or as investment offers, nor do they substitute for independent judgment by the investor

• Clients are advised to read all scheme and product-related documents carefully, assess their individual risk profiles, and consult with their financial and tax advisors before acting on any advice received

• The Advisor does not undertake any responsibility for any direct or indirect losses arising from investment decisions based on information and advisory provided. Please note that Advisor do not hold custody of funds or securities for clients.

Confidentiality

• Each Party (the “Receiving Party”) will hold the Confidential Information of the other Party (the “Disclosing Party”) in trust and confidence and will not disclose such information to any third party without the prior written consent of the Disclosing Party, except as required by law or to its affiliates and employees on a need-to-know basis for performing its obligations under this Agreement.

• Any information shall not be considered “Confidential Information” to the extent that such information: (a) was already known to the Receiving Party free of any restriction; (b) is subsequently learned from an independent third party without breach of this Agreement; (c) is or becomes publicly available through no wrongful act of the Receiving Party; or (d) is independently developed by the Receiving Party

• The Receiving Party may disclose Confidential Information if required to do so under any applicable law, rule or order, provided that the Receiving Party, where reasonably practicable and legally permissible, provides the Disclosing Party with prior written notice of the required disclosure.

Limitation of Liability

• The Client acknowledges that the Advisor does not guarantee that its advice will result in profits or avoid losses. The Advisor will not be liable to the Client for any error of judgment or loss suffered by the Client in connection with the Advisory Services, except in cases of gross negligence, wilful default, or fraud by the Advisor

• All decisions in relation to investments are based on the Client’s own evaluation of their financial circumstances and investment objectives. The Advisor shall not be responsible or held liable for any decision, action or omission by the Client

• The Client confirms awareness of the risks associated with securities investments as detailed in Schedule I. The Advisor shall not be liable for any loss arising from such risk factors.

• In case of any regulatory investigation requiring client-level information, the Advisor’s liability shall extend only to submission of records maintained in ordinary course of business.

Indemnity

The Client agrees to indemnify and hold harmless the Advisor, its directors, officers, and employees from and against any and all liabilities, losses, damages, or costs arising out of or in connection with a breach of any terms of this Agreement by the Client, non-compliance with any applicable law, or any act of gross negligence, fraud, or wilful default by the Client

Force Majeure

The Advisor shall not be liable for any failure to perform its obligations under this Agreement due to a Force Majeure Event. In the event of equipment breakdowns on account of a Force Majeure Event, the Advisor shall take reasonable steps to minimize service interruptions but shall have no liability with respect thereto.

Amendments and Termination

• Amendments: Any amendment or variation to this Agreement shall not be effective unless made in writing and agreed by both Parties.

• Termination: 1. Either Party may terminate this Agreement by giving the other thirty (30) days prior written notice. 2. This Agreement may be terminated immediately upon a material breach by either Party, or in the event of suspension/cancellation of the Advisor’s registration by SEBI. 3. In the event of pre-mature termination arising due to the Advisor, the Client shall be refunded the fees for the unexpired period on a pro-rata basis. However, the Advisor may retain a maximum breakage fee of not greater than one quarter's fee.

• Upon termination, the Advisor shall ensure transfer of records to the Client upon request, in compliance with SEBI record-keeping laws.

Death or Disability of Client

Upon receiving written notice of the Client’s death or permanent disability from their legal representatives, this Agreement shall terminate. The legal heirs/representatives shall be relieved from any further fee obligations for the unexpired term. The Advisor will provide necessary assistance for the transfer of data and records.

Grievance Redressal

The Advisor shall be responsible for resolving grievances within the timelines specified under SEBI circulars. The Client can register formal complaints by writing to the Advisor at grievance.investgoal@gmail.com . If the resolution is unsatisfactory, the Client may lodge a grievance through SEBI’s SCORES platform. The Advisor shall resolve all written grievances within 21 calendar days, as prescribed under SEBI circulars.

Dispute Resolution and Governing Law

• All disputes, differences, or claims arising from this Agreement shall be referred to arbitration in accordance with the Arbitration and Conciliation Act, 1996. The arbitration shall be conducted in Mumbai, and the language shall be English.

• This Agreement shall be governed by and construed in accordance with the laws of India. Subject to arbitration, the Parties submit to the exclusive jurisdiction of the courts in Mumbai.

Miscellaneous Provisions

• Notices: Any notice or other communication required to be given under this Agreement shall be in writing and sent by email or registered post to the addresses of the Parties.

• Entire Agreement: This Agreement, together with its Schedules, constitutes the entire agreement between the Parties and supersedes all previous agreements and understandings.

• Severability: If any provision of this Agreement is held to be invalid or unenforceable, the remainder of this Agreement shall not be affected thereby.

• No Waiver: No failure or delay by any Party in exercising any right under this Agreement shall operate as a waiver thereof

Privacy policy

InvestGoal Capital website is owned by InvestGoal Capital Advisors Pvt Ltd, which is a data controller of your personal data. We have adopted this Privacy Policy, which determines how we are processing the information collected by InvestGoal Capital, which also provides the reasons why we must collect certain personal data about you. Therefore, you must read this Privacy Policy before using InvestGoal Capital website. We take care of your personal data and undertake to guarantee its confidentiality and security.

Legal disclosure

We will disclose any information we collect, use or receive if required or permitted by law, such as to comply with a subpoena or similar legal process, and when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request

Contact information

If you would like to contact us to understand more about this Policy or wish to contact us concerning any matter relating to individual rights and your Personal Information, you may send an email to investgoalcapitaladvisors@gmail.com