SEBI’s regulatory disclosure requirements
Regulatory Complaints Disclosure
As mandated by SEBI, Registered Investment Advisers (RIAs) are required to display the complaints status on the website as shown below:
Data as of the month ending
Formats for investors complaints data to be disclosed monthly by IAs on their website and mobile applications:
S.No. | Received from | Pending at the end of last month | Received | Resolved* | Total pending# | Pending complaints > 3 months | Average Resolution time ^ (in days) |
1 | Directly from investors | 0 | 0 | 0 | 0 | 0 | NA |
2 | SEBI - SCORES | 0 | 0 | 0 | 0 | 0 | NA |
3 | Other Sources (if any) | 0 | 0 | 0 | 0 | 0 | NA |
Grand Total | 0 | 0 | 0 | 0 | 0 | NA | |
Number of complaints received during the month against the IA due to impersonation by some other entity: Note: In case of any complaints received against the IA due to impersonation of the IA by some other entity, the IA may adjust the number of such complaints from total number of received/resolved complaints while preparing the above table. Further, IA must close such impersonation-related complaints after following the due process as specified by SEBI/ IAASB. * Inclusive of complaints of previous months resolved in the current month. # Inclusive of complaints pending as on the last day of the month ^ Average Resolution time is the sum total of time taken to resolve each complaint in days, in the current month divided by total number of complaints resolved in the current month. |
- Clients can seek clarification to their query and are further entitled to make a complaint in writing, orally or telephonically. Clients can write to the Investment Adviser at roshni.nayak@goalbridge.in | The client can expect a reply within 10 business days of approaching the Investment Advisor.
- In case you are not satisfied with our response you can lodge your grievance with SEBI on SCORES or you may also write to any of the offices of SEBI.
- Clients/Investors can also access the portal of smart online dispute resolution here: Click Here!
Annual Audit Compliance
Disclosure regarding Annual compliance audit requirement under Regulation 19(3) of SEBI (Investment Advisers) Regulations, 2013 for the previous and current financial year:
S.No. | Compliance | Audit Status | Remarks, if any |
1. | FY 2021-22 | Completed | |
2. | FY 2022-23 | Completed | - |
3. | FY 2023-24 | Completed |
Grievance Redressal/Escalation Matrix
S.No. | Details of designation | Contact Person Name | Physical address location | Contact No. | Email-ID | Working hours when complainant can call |
1. | Customer Care | Roshni Nayak | C/204, New Gagangiri CHS, Off Devidas lane, Borivali W,Mumbai - 400092 | 9769171272 | roshni.nayak@goalbridge.in | Monday-Saturday - 9am - 7pm. |
2. | Head of Customer Care | NA | - | |||
3. | Compliance Officer | NA | ||||
4 | CEO | NA | ||||
5 | Principal Officer | Roshni Nayak | C/204, New Gagangiri CHS, Off Devidas lane, Borivali W,Mumbai - 400092 | 9769171272 | roshni.nayak@goalbridge.in | Monday-Saturday - 9am - 7pm. |
SEBI Investor Charter
The following charter is to facilitate investor awareness:
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 enter into an agreement with the client providing all details including fee details, aspects 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 on its website.
- To disclose the name,proprietor name, type of registration, registration number, validity, complete address with telephone numbers and associated SEBI Office details (i.e. Head office/ regional/ local Office) on 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.
C. Details of services provided to investors (No Indicative Timelines)
- 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 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.
D. Details of grievance redressal mechanism and how to access it
1. Investor can lodge complaint/grievance against Investment Adviser in the following ways:
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 or with Investment Adviser Administration and Supervisory Body (IAASB)
i. 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
ii. Email to designated email ID of IAASB
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.
3. With regard to physical complaints, investors may send their complaints 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
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 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
F. Expectations from the investors (Responsibilities of investors)
- Do’s
- i. Always deal with SEBI registered Investment Advisers.
- ii. Ensure that the Investment Adviser has a valid registration certificate.
- iii. Check for SEBI registration number.
- Please refer to the list of all SEBI registered Investment Advisers which is available on SEBI website in the following link: Click Here: https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doRecognisedFpi=yes&intmId=13)
- iv. 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.
- v. 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.
- vi. Ask all relevant questions and clear your doubts with your Investment Adviser before acting on advice.
- vii. Assess the risk–return profile of the investment as well as the liquidity and safety aspects before making investments.
- viii. 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.
- ix. Be vigilant in your transactions.
- x. Approach the appropriate authorities for redressal of your doubts / grievances.
- xi. Inform SEBI about Investment Advisers offering assured or guaranteed returns.
- xii. Always be aware that you have the right to exit the service of an Investment Adviser
- xiii. Always be aware that you have the right to seek clarifications and clear guidance on advice
- xiv. Always be aware that you have the right to provide feedback to the Investment Adviser in respect of services received.
- xv. 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
i. Don’t fall for stock tips offered under the pretext of investment advice.
ii. Do not provide funds for investment to the Investment Adviser.
iii. 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.
iv. Don’t fall prey to luring advertisements or market rumors.
v. Avoid doing transactions only on the basis of phone calls or messages from any Investment adviser or its representatives.
vi. Don’t take decisions just because of repeated messages and calls by Investment Advisers.
vii. Do not fall prey to limited period discount or other incentive, gifts, etc. offered by Investment advisers.
viii. Don’t rush into making investments that do not match your risk taking appetite and investment goals.
ix. Do not share login credential and password of your trading, demat or bank accounts with the Investment Adviser.
SEBI Registration Details
Name: Roshni Nayak| SEBI Registered Investment Advisor| RIA No – INA000016038| (Type of Registration- Individual |Validity of Registration- Perpetual | Reg. Address: C/204, New Gagangiri Chs, Laxminarayan Temple Road, Borivali West, Mumbai, Maharashtra, 400092| Contact No – +91 9769171272 | Email id: roshni.nayak@goalbridge.in
SEBI regional/local office address – Plot No. C 4-A , G Block, Near Bank of India, Bandra Kurla Complex, Bandra East, Mumbai, Maharashtra 400051.