Most Important Terms & Conditions

Rahul Rajgopal Wealth Advisor provides fee-only investment advisory services to individual clients in accordance with SEBI (Investment Advisers) Regulations, 2013.

Services include: financial goal planning, asset allocation guidance, investment strategy recommendations, risk profiling, portfolio review, retirement planning, estate planning guidance, and comprehensive financial diagnostics.

Advisory services may include guidance on products and services outside the regulatory purview of SEBI (such as insurance, real estate, and other assets). For such services, the adviser will make appropriate disclosures and clients acknowledge that SEBI's grievance redressal mechanism does not extend to such products.

The adviser does not provide execution services. The adviser does not buy, sell, or transact securities on behalf of the client.

The adviser does not provide trading calls or model portfolio recommendations as defined under SEBI (Research Analysts) Regulations, 2014.

This practice operates on a fee-only basis. No commissions, referral fees, trail fees, or any other compensation is received from product manufacturers or distributors.

Fees are charged under the Fixed Fee Mode as permitted under Regulation 15A of the SEBI (Investment Advisers) Regulations, 2013.

The maximum fee chargeable is ₹1,51,000 per annum per family of clients, as specified by SEBI. This limit is reviewed by IAASB every three years.

Fee details, payment terms, and refund policy are specified in the individual Advisory Agreement entered into with each client.

Fees are not linked to the performance of the portfolio or to any specific investment product.

As a SEBI Registered Individual Investment Adviser, this practice does not undertake distribution or execution of securities transactions on behalf of clients.

Clients are responsible for executing their own transactions through their chosen broker, depository participant, or fund platform.

The adviser will not have access to client trading accounts, demat accounts, or bank accounts for the purpose of executing transactions.

No Power of Attorney (POA) over client accounts is sought or accepted.

The adviser discloses all material conflicts of interest to clients prior to and during the advisory engagement.

As a fee-only adviser, structural conflicts arising from product commissions or distribution incentives do not exist.

If the adviser or any family member has a direct or indirect interest in any investment recommended, this will be disclosed to the client in writing prior to making the recommendation.

The adviser does not accept gifts, hospitality, or any other non-monetary benefit from product providers that could influence advisory recommendations.

Conflict of interest disclosures are updated as and when any new conflict arises and are included in the advisory agreement.

This practice uses automated metric calculation engines to generate the Wealth Diagnostic Report. These systems process client-provided financial data to compute structural scores across eight dimensions: Stability, Efficiency, Alignment, Execution, Resilience, Tax, Debt, and Estate Readiness.

The automated diagnostic system does not constitute investment advice. All advisory recommendations derived from or following the diagnostic are the sole responsibility of Rahul Rajgopal, the registered investment adviser.

Client data processed by automated systems is held securely and is not shared with third parties except as required by law.

The adviser is solely responsible for the security, confidentiality, and integrity of client data used in AI-assisted processes, in accordance with Regulation 18(9) of the SEBI (Investment Advisers) Regulations, 2013 as amended December 2024.

Clients may request clarification on any automated output at any time. The adviser will explain the basis of any score or metric on request.

All client information shared with the adviser is held in strict confidence and used solely for the purpose of providing advisory services.

Client data will not be shared with third parties except where required by law, regulation, or with the explicit written consent of the client.

The adviser maintains records of all client interactions, advisory recommendations, and supporting documents for a minimum of five years as required by SEBI.

Clients have the right to request access to their own data held by the adviser at any time.

In the event of a data breach or security incident, clients will be notified promptly in accordance with applicable law.

Prior to providing advisory services, the adviser will conduct a structured risk profiling and suitability assessment of each client.

Advisory recommendations will be based on the client's documented risk profile, investment horizon, financial goals, and personal circumstances.

Clients are required to provide accurate and complete financial information to enable proper suitability assessment.

The risk profile will be reviewed and updated at least annually or whenever there is a material change in the client's financial situation.

Investment advice provided without an up-to-date risk profile may be unsuitable — clients are encouraged to notify the adviser of any significant life or financial changes.

Clients may raise complaints directly with the adviser by email or phone. The adviser will acknowledge complaints within 3 business days and resolve them within 30 days.

If unresolved, clients may escalate complaints to SEBI SCORES at scores.sebi.gov.in.

For online dispute resolution, clients may access SEBI's ODR platform at smartodr.in.

The adviser's associated SEBI regional office is the Northern Regional Office, New Delhi.

Complaint data is disclosed publicly on this website and updated by the 7th of each succeeding month in compliance with SEBI requirements.

Advisory services are provided under a formal written advisory agreement signed by both parties prior to commencement of services.

Either party may terminate the advisory agreement with written notice as specified in the agreement.

Upon termination, the adviser will provide a final advisory note summarising the client's position and any outstanding recommendations.

Fees paid for services already rendered are non-refundable. Fees paid in advance for future periods will be refunded on a pro-rata basis.

Records of the advisory engagement will be retained for five years from the date of termination as required by SEBI regulations.

The adviser maintains the following records for a minimum of five years: client onboarding documents, risk profile assessments, advisory agreements, investment recommendations, client communications, and complaint records.

Records are maintained in a secure, organised manner and are available for inspection by SEBI or its authorised representative on request.

Clients may request copies of their advisory records at any time during or after the engagement.