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Terms and Conditions

 

Terms of use

These Terms and Conditions (“T&C”) govern the access and use of services offered by Koul Investment Advisor, a SEBI-registered Investment Adviser (SEBI Registration Number: INA000022066 | BSE Enlistment No. 2459), having its registered office at –

Koul Investment Advisor, Shop no. 13, FF, SLF Mall , Sector (30-33) , IP Colony, Faridabad, Haryana – 121003 

By subscribing to or using our services, you (“Client” / “User”) acknowledge that you have read, understood, and agreed to these T&C, along with the Investment Advisory Agreement, Privacy Policy, and applicable SEBI regulations

  1. Regulatory Status
  • Koul Investment Advisor is registered with SEBI as a Individual Investment Adviser under the SEBI (Investment Advisers) Regulations, 2013.
  • Registration with SEBI and membership of BSE Administration and Supervision Limited (BASL) do not guarantee performance or returns.
  • All services are provided strictly in accordance with SEBI guidelines and Code of Conduct.
  1. Nature of services
  • Services provided are non-discretionary and non-binding investment advice.
  • The IA does not:

o Execute trades or transactions on behalf of clients.

o Hold client funds or securities.

o Provide assured or guaranteed returns.

  • Advice is based on client’s risk profile, financial objectives, and information provided.
  1. Subscription & Access
  • Services are accessible only while the Client’s subscription remains active.
  • Subscription fees are as per SEBI’s prescribed fee caps:

o Fixed Fee Mode: Maximum ₹1,25,000 per annum per client/family.

o AUA Mode: Maximum 2.5% of Assets Under Advice per annum.

  • Clients may request cancellation, subject to pro-rata refund rules under SEBI regulations.
  1. Client Responsibilities
  • Provide accurate and complete information during onboarding and throughout the engagement.
  • Update the IA of any material changes in financial situation, objectives, or risk tolerance.
  • Make independent investment decisions; the IA is not responsible for execution.
  1. Risk Disclosure
  • All investments in securities are subject to market risks, including possible loss of principal.
  • Past performance does not indicate or guarantee future results.
  • Product-specific risks (Structured Products, PMS, AIFs, Bonds, etc.) are outlined in Annexure: Product-Specific Declarations,which Clients must acknowledge before availing such services.
  1. Confidentiality & Data
  • Client information will be treated as confidential.
  • Data may be shared with regulators, auditors, or third-party service providers only with client consentor as required by law.
  1. Conflicts of Interest
  •  Koul Financial Advisor may advise multiple clients, and recommendations may differ based on client needs.
  • The IA and its group entities maintain strict advisory–distribution segregation; only direct plans/products are recommended.
  1. Grievance Redressal
  1. Limitation of Liability
  • The IA shall not be liable for losses, damages, or claims arising from:

o Market fluctuations or performance of securities.

o Client’s execution of advice.

o Failures of third-party systems (brokers, exchanges, etc.).

  • Liability, if any, shall be limited to the extent of gross negligence, fraud, or wilful misconduct by the IA.
  1. Governing Law & Jurisdiction
  • These T&C are governed by the laws of India.
  • Any disputes shall be subject to arbitration under the Arbitration and Conciliation Act, 1996, seated in New Delhi.
  • Subject to arbitration, the courts of “IA State”shall have exclusive jurisdiction.
  1. Amendments

The IA reserves the right to update or modify these T&C from time to time, in line with SEBI regulations. Updated terms will be published on the website, and continued use of services constitutes acceptance of such updates

  1. Disclaimer
  • SEBI registration, BSE Enlistment, or NISM certification do not guarantee performance or returns.
  • Clients must read all relevant documents carefully before investing.
  • By using our services, the Client acknowledges the above and accepts full responsibility for investment decisions.